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I called Fidelity today and used the amazing info on this forum to navigate the process. I finally got in touch with someone in their "Investment solutions" team, and he was vaguely familiar with this process. I told him I wanted to perform a non-hardship service withdrawal of after tax funds from my 401k to my Roth IRA. He replied and told me that was possible if I called in, but kept referring to this as a rollover. Anyone happen to know if that is correct? I would need to call in periodically to do this, but the long term advantages more than make up for the time on the phone. Thanks for the AWESOME feedback everyone!

This topic is near and dear to my heart. Thanks for posting this question! Are there any income limits associated with the mega backdoor Roth? My plan offers after tax donations and in service withdrawals. Curious if our annual income factors into this?

Howdy boglers! Hope everyone is having an awesome day! I started a new job, and am trying to simulate VTSAX in my 401K using the following link:

https://www.bogleheads.org/wiki/Approxi ... ock_market

Specifically, using the 3 fund Fidelity approach. My 401k doesn't offer the Fidelity small cap, but they do offer the Vanguard equivalent. Would the following three funds simulate VTSAX?:

83% FIDELITY 500 INDEX FUND
10% FIDELITY MID CAP INDEX FUND
7% VANGUARD SMALL CAP INDEX, ADM

I *assume* that the Vanguard small cap fund is similar to the Fidelity one, but want to verify with the gurus. Thanks for any insight!

Thanks @jeffreys for the thread! Good read, and I'm going to follow the advice there and read through a bunch of old threads.

Thanks @retired@50! Do you see any issues putting 50% of my equity holdings into VHYAX, and the other 50% into VTSAX? I'm a huge fan of the dividends, and am perfectly fine with a modest rate of return. I don't like to make huge changes without thinking things through, hence the question.

Morning bogleheaders! I was reviewing my portfolio over the weekend, and started to wonder if holding 20% of my equity portion in VHYAX (Vanguard High Dividend Yield Index Fund Admiral Shares ) in a tax deferred account is silly. I am a 60/40 person, and of the 60% in equities I currently have 80% in VTSAX and the rest in VHYAX. I realize VHYAX doesn't have the same historical returns as VTSAX, but I like the 3% dividend as well as the stability the companies in it provide. Am I being foolish by doing this? I'm on track to retire comfortably by age 59 1/2 if that makes a difference.

@masha12 did you cancel your account once the bonus paid out?

This is a great deal! Did you sign up? I'm thinking about creating an account to get the $700.

Want to thank every Bogle head for their sage wisdom! I'm learning a TON reading through the archives. After a ton of analysis, I am going to invest $4K each month into VTSAX in a Vanguard taxable brokerage account. Does it make more sense from a tax perspective to do this as a monthly lump sum, or would weekly investments (52 per year) make more sense? What I can't seem to figure out is how to come up with a cost basis when I eventually start to draw this out in 15 - 20 years. With weekly contributions there would be hundreds of transactions, and this could also make tax loss harvesting a bit hairy. Any suggestions from the more experienced investors on the list? Weekly? Monthly? Quarterly? Something else? I would love to invest weekly to ...

Hey sycamore. My goal for this money is to build a nest egg for retirement. I have a decent amount in my emergency fund which I will dig into if something pops up. I keep adding to that each month as well.

Huge thanks for the awesome advice Jay! I just set up weekly withdrawals into VTSAX, and will adjust the bond % in my tax deferred accounts periodically. Love the simplicity of this!

Thank you both for the excellent advice. Your suggestions make total sense, and I am definitely going to take your advice. Is there by any chance a way to reduce the tax burden if I go this route? Looks like I will need to account for the dividend taxes each year.

I would like to start by thanking everyone for their awesome contributions to the WIKI, as well as their contributions to various threads. I've been ingesting everything on bogle heads for the past week, and can't thank you enough for making this information publicly available! I've read through the following article: bogleheads.org/wiki/Tax-efficient_fund_placement And I think this brought up more questions than answers. I would like to start putting an additional 5K to work in my taxable brokerage account at Vanguard, but I am not real clear what makes the most sense. Here is a snapshot of my current financial situation: Emergency funds: 2+ years. Debt: Zero debt and house paid for. Tax Filing Status: Married Filing Jointly Tax Rate: 32% ...