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Re: Does your employer still offer pensions to new hires?

ExxonMobil offers pension for new hires. No cost of living adjustments.
by marek
Sun Aug 31, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 4000

after tax contribution to ESP vs. taxable account

I am maxing out my pre-tax contributions and have an option to contribute after tax dollars (up to $34k/year) to Employer Savings Plan. This money grows tax deferred until withdrawal - it works similar to non-deductable IRA, but I cannot roll it over to Roth. Does it make sense to contribute after t...
by marek
Mon Jun 09, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: after tax contribution to ESP vs. taxable account
Replies: 1
Views: 105

Re: High Earners - What's Your Profession?

Computer Scientist working for large oil & gas company. Not in management.
by marek
Sun Jan 12, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28933

Re: College savings for a high-income household

At 29, how did you get 500k into tax advantaged? Oh, and you are right on the after-tax Roth conversion. I've done the same. You can save ~51k per year in Employee Saving Account - if your company offers it. The federal limits are $16k pre tax, the rest after tax. If you are an owner of a smaller c...
by marek
Wed Jan 01, 2014 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: College savings for a high-income household
Replies: 46
Views: 4932

Re: How to treat Pension in AA?

What if I have an option to take the pension as lump sum? That would be a chunk of $ that needs to be invested somewhere.
by marek
Fri Feb 01, 2013 11:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to treat Pension in AA?
Replies: 28
Views: 3074

AA: Why 30% tax adjustment for taxable account?

Where is 30%-20% reduction of the value of the taxable account coming from for the Tax Adjusted Asset Allocation? Should it be just reduced by the taxes on capital gain? http://www.bogleheads.org/wiki/Tax-Adjusted_Asset_Allocation You should also reduce the value of your taxable account by about 30%...
by marek
Fri Feb 01, 2013 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA: Why 30% tax adjustment for taxable account?
Replies: 2
Views: 434

How to treat Pension in AA?

How do you treat pension in your AA? Is it like bond?
by marek
Sat Jan 19, 2013 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to treat Pension in AA?
Replies: 28
Views: 3074

Re: Savings Plan: before tax, Roth, after tax vs. taxable

Can you get the after-tax stuff out before age 59.5? Or are you older? In-service rollover? A number of folks have shown that contributing after-tax is good if the contributions can be fairly quickly extracted and put into a Roth IRA where the gains are tax-free going forward. I don't think I can g...
by marek
Sat Jan 19, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Savings Plan: before tax, Roth, after tax vs. taxable
Replies: 3
Views: 432

Savings Plan: before tax, Roth, after tax vs. taxable

My employer has a savings plan which offers following accounts: - before tax - Roth - after tax There is an annual limit of $16.5k for before tax + Roth contributions. There is a total limit ofsavings plan contgributions of $50k per year. I am in 33% tax bracket. I have been contributing to before t...
by marek
Sat Jan 19, 2013 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Savings Plan: before tax, Roth, after tax vs. taxable
Replies: 3
Views: 432

Re: taxable account better than tax deferred ?

It does seem necessary to distinguish the three categories of pre-tax tax deferred, post-tax tax deferred, and post-tax tax exempt. Yes. I think there are some apples and oranges going on here. :D Back to the original question... taxable account better than tax deferred? I think pre-tax tax deferre...
by marek
Sat Jan 19, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: taxable account better than tax deferred ?
Replies: 11
Views: 922

Re: taxable account better than tax deferred ?

So you compared a taxable investment to a non-deductible tax-deferred investment. I don't think anybody would argue with you except you probably ignored dividends taxed every year in the taxable account, but not in the tax-deferred account. OTOH, maybe you should compare taxable investment to a ded...
by marek
Sat Jan 19, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: taxable account better than tax deferred ?
Replies: 11
Views: 922

Re: taxable account better than tax deferred ?

So you compared investing $10K per year in tax deferred vs $6.7K per year in taxable? Taxable cannot come out ahead if the 33% tax rate was still in effect at the end of the 25 year period. Thank you for pointing this out - I was careful to account for taxing dividends every year, but I forgot that...
by marek
Sat Jan 19, 2013 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: taxable account better than tax deferred ?
Replies: 11
Views: 922

taxable account better than tax deferred ?

I have always believed that it makes sense to use tax deferred accounts. Recently I got really intrigued by the statement in the "Principles_of_Tax-Efficient_Fund_Placement", that tax deferred accounts convert long-term capital gains into ordinary income. I did a quick spread sheet calcula...
by marek
Fri Jan 18, 2013 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: taxable account better than tax deferred ?
Replies: 11
Views: 922

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