Search found 7 matches

by TexasEng
Thu Apr 20, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Roth Order of Contribution Clarification Q
Replies: 3
Views: 218

Re: 401k & Roth Order of Contribution Clarification Q

Thanks for laying out the options and the salary considerations. I do not qualify for the deductible, so option A is in fact preferable.

TexasEng
by TexasEng
Thu Apr 20, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Roth Order of Contribution Clarification Q
Replies: 3
Views: 218

401k & Roth Order of Contribution Clarification Q

I'm just trying to understand what I've read over my time browsing the site. Please correct or confirm the following statements. From what I gather, the preferred avenue for retirement savings for a "high tax bracket" individual is to contribute to the pre-tax traditional 401K. This is due...
by TexasEng
Fri Apr 14, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 25113

Re: Age when you started to max out your retirement accounts?

I think there's too much focus by some people around here about "maxing out your retirement accounts," for a number of reasons. For one, the "maxing out" amount is really just an arbitrary number set by the government that usually bears no more than minimal, if any, relationship...
by TexasEng
Fri Jul 29, 2016 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation too cash heavy: how to unwind?
Replies: 37
Views: 3707

Re: asset allocation too cash heavy: how to unwind?

There are definitely cycles in the markets. The problem is we don't know how long they last. They are easier to spot in hindsight than when you are living through them. I disagree. A cycle is something with periodicity. What you are talking about are ups and downs. People try to see patterns becaus...
by TexasEng
Wed Mar 16, 2016 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Trying to decide between Vanguard and Betterment for long term holdings
Replies: 18
Views: 2402

Re: Trying to decide between Vanguard and Betterment for long term holdings

Are people suggesting life strategy funds because OP said "long term holdings"? At what point should the general 3-fund portfolio be used as opposed to LS fund?
by TexasEng
Mon Dec 07, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: How's my company 401K? & Betterment account advice
Replies: 4
Views: 777

Re: 401K Advice & Betterment account advice

Lafder - Thanks for the response! I will be reading through those links you provided today. I appreciate your time.
by TexasEng
Thu Dec 03, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: How's my company 401K? & Betterment account advice
Replies: 4
Views: 777

How's my company 401K? & Betterment account advice

Hi y'all, Thanks for helping out. I just wanted to get some advice on my 401k and another account I have. Below are some details, and my questions are listed at the bottom. Emergency funds: Yes Debt: No debt Tax Filing Status: Single w/ no dependents Age: 23 Desired Asset allocation: xx% stocks / xx...

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