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Re: Merrill Lynch 401k Options

The update helps quite a bit. Are you charged any additional fees or expenses (like: administrative; advisory; service; record keeping) in addition to those expense ratios? If so, how much? That will help you determine where its best to invest next, after contributing enough to get the full employe...
by Veni Vidi Decessi
Sun Jun 22, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch 401k Options
Replies: 5
Views: 638

Merrill Lynch 401k Options

Hi! I am just starting my first job (just finished my first week), and want to start setting up a simple 3-fund portfolio. My 401k is sponsored by Merrill Lynch, and has the following options, listed below. Company match is 9% on a 6% contribution. This money will likely account for a little over 1/...
by Veni Vidi Decessi
Sat Jun 21, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch 401k Options
Replies: 5
Views: 638

Re: Sacrifices: Saving 50% of Take Home Pay?

OP here: Perhaps I am in the minority here. I would argue to execute your plan. I think a couple years of sacrifice accomplishes two critical things: Living with heavy sacrifice builds confidence in your ability to endure hardship. I agree, for the most part. However, there is a differatiation that ...
by Veni Vidi Decessi
Fri Jul 12, 2013 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 6072

Re: Sacrifices: Saving 50% of Take Home Pay?

Please change that to "when we do start having kids." You need to adjust & change your entire mindset and thought process so that the "we" comes automatically. Bigger issue than finances, IMO. I mean the actual process of having (nearing birthing) a child - i.e. at ~9 months...
by Veni Vidi Decessi
Thu Jul 11, 2013 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 6072

Re: Sacrifices: Saving 50% of Take Home Pay?

I also think it's a poor investment for your wife to go through college to get her master's degree and only work for two years. As an aside, her college major was a duo in polysci and history. The masters gives her a marketable degree. She may work more than two years, as well. She also wants go ba...
by Veni Vidi Decessi
Thu Jul 11, 2013 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 6072

Sacrifices: Saving 50% of Take Home Pay?

Hello there! I have just finished writing this post, and I want to thank you in advance for taking the time to read this. So, here is a bit of background before my barrage of questions: My fiancee and I will be married next year. I will be graduated by then (22 yo then), and have an expected salary ...
by Veni Vidi Decessi
Thu Jul 11, 2013 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 6072

Re: Roth or TIRA Longterm?

Ah. I was unaware that deductions from retirement accounts were counted in your MAGI. I guess this question is more a moot point now. Thanks for all the info!
by Veni Vidi Decessi
Wed Jul 10, 2013 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth or TIRA Longterm?
Replies: 3
Views: 371

Roth or TIRA Longterm?

Greetings! I come with my first post as a new convert to your ways! My question requires a bit of background information about myself: I will be graduating college next year, and have an expected starting salary of 65k-70k, based on national averages. Obviously all my numbers will change based on my...
by Veni Vidi Decessi
Tue Jul 09, 2013 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth or TIRA Longterm?
Replies: 3
Views: 371

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