Search found 7 matches

by DavidREng
Tue Sep 10, 2019 2:40 pm
Forum: Personal Investments
Topic: Allocation weighting among accounts
Replies: 2
Views: 167

Re: Allocation weighting among accounts

Thanks for the link. I have been googling that question but didn't know how to properly phrase my intent!
by DavidREng
Tue Sep 10, 2019 2:31 pm
Forum: Personal Investments
Topic: Allocation weighting among accounts
Replies: 2
Views: 167

Allocation weighting among accounts

I'm trying to create a tax-wise asset allocation using taxable, tax-deferred 401(k), and tax-free Roth accounts. However, a dollar in my Roth is worth more than a dollar in my 401(k), which is worth more than a dollar in my taxable account. Should added weight be given to balances in a tax-advantage...
by DavidREng
Tue Sep 10, 2019 2:22 pm
Forum: Personal Investments
Topic: "Tax-Efficient Allocation" Fallacy?
Replies: 14
Views: 1585

"Tax-Efficient Allocation" Fallacy?

I've read so much about the conventional wisdom of placing non-tax efficient asset classes (bonds, reits) into tax-advantaged accounts, and tax-efficient vehicles (low-turnover US index funds and international equities) into taxable accounts. However, it would seem to me that while a bond in a taxab...
by DavidREng
Thu Aug 22, 2019 11:13 pm
Forum: Personal Investments
Topic: Traditional 401(k) or Roth 401(k)
Replies: 9
Views: 704

Re: Traditional 401(k) or Roth 401(k)

My decision whether to contribute pretax or Roth to my 401k is based on my marginal tax rate at time of contribution versus when I withdraw from the 401k. +1 to this and all other replies. One consideration: because DavidREng will be making a maximum contribution , the breakeven withdrawal rate wil...
by DavidREng
Sat Aug 10, 2019 2:15 pm
Forum: Personal Investments
Topic: Traditional 401(k) or Roth 401(k)
Replies: 9
Views: 704

Traditional 401(k) or Roth 401(k)

Our company is under new ownership, and with that, a new 401(k) plan. Unfortunately, I can no longer take part in profit-sharing, so I'm limited to the $19,000 deferral plus employer match. One of the features is the option to utilize a Roth 401(k) for the "deferral" portion. I'm currently in the 37...
by DavidREng
Tue Nov 08, 2016 8:35 pm
Forum: Personal Investments
Topic: 529 Superfunding Rules
Replies: 3
Views: 1367

Re: 529 Superfunding Rules

Thanks for the responses. My primary question was certainly answered, in that I can indeed overlap "superfunding" years (as defined as giving more than $14,000/child/parent) as long as each individual year is less than $14,000 when funding is spread out over 5-year periods. The reason that I am doub...
by DavidREng
Thu Oct 13, 2016 10:51 pm
Forum: Personal Investments
Topic: 529 Superfunding Rules
Replies: 3
Views: 1367

529 Superfunding Rules

My wife and I have two children, aged 4 and 2, and file our returns jointly. I would like to superfund our 4-year old daughter's 529 plan in 2016, but I'm not sure if I'll be able to contribute the entire combined 5-year max of $140,000. If I contribute, say, $110,000 in 2016, am I still able to con...