User talk:Hoppy08520

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The section 401k match would also be useful in Prioritizing investments. If it's intended for Thrift Savings Plan, consider making this a template for insertion in both pages. I don't know your intentions, or if there is more to do here. --LadyGeek 20:10, 14 December 2014 (CST)

LadyGeek, thanks for your note. I'm intending to do just that. I started writing that blurb to help answer a question in the forum and it grew from there....I'll try to make what I wrote be applicable to 401(k), 403(b), etc. --Hoppy08520 13:55, 15 December 2014 (CST)

First, I retitled (moved) your user sub-pages for clarity. You can also do this, which is the "Move" drop-down entry to the left of the wiki's search box.
Next, User:Hoppy08520/Employer matching contributions looks like it's good enough to be a stand-alone page. Prioritizing investments and Thrift Savings Plan (and others) can then refer to this page for the full details.
I thought the 401k match would be better here, so I incorporated it into the page. If you want to incorporate User:Hoppy08520/Employer matching contributions#Maximizing employer match into other pages, you can use the wiki's <noinclude>, <include> tags to simply include the page and only the desired section will appear. It's an alternative to using templates, but might be more complicated to think about. OTOH, replacing it with a template, especially if you want to use only this section in other pages, would be a good approach.
If you disagree with what I did, just undo the changes.
To move a user page to the "main" area, just move the page and select (main) from the drop-down box. The Hoppy08520: part will disappear.
--LadyGeek 20:38, 15 December 2014 (CST)
Yes check.png Done I have moved the User:Employer matching contributions page to a standalone page. I have added sections on the Roth 401(k) and on SIMPLE IRAs, along with a link to a matching contributions calculator; also added a navigation template and category. --Blbarnitz 09:40, 18 December 2014 (CST)
Thank you LadyGeek and Blbarnitz. I am a starter but not always a reliable finisher. I kept meaning to do that but kept forgetting. Thank you. --Hoppy08520 09:04, 23 December 2014 (CST)

I don't understand your comment starting with "I'm finding that I wish I could see this hidden category..." Can you please supply an example, or try explaining the idea in a different manner? Are you referring to the use of categories in a User page (what this is)? --LadyGeek 15:34, 7 April 2015 (CDT)

Testing new forum post [1] Testing new post without date[2]


Misc Stuff I'm Working On

User: Hoppy08520

I'm finding that I wish I could see this hidden category. Occasionally I see a page that should have this category, but I need to view the source to see if the category has been added to the page pr mpt. Moreover, I think it would actually be educational for readers to see that a page has information that can change from one year to the next. It gets people in the mindset that some figures can and do change annually. But I don't feel that strongly about it and

Pages under development:

BernsteinEstimates.png

To Do

Merge duplicative parts in AA in Multiple Accounts

In TSP

  • Considerations for transferring in to TSP
  • Comparison of TSP with 401(k) and similar DC plans
  • Distribution considerations

401k match

Maximizing employer match

If your employer provides a matching contribution, you will want to maximize that amount. Take into account the following considerations:

  • Some employers match employee contributions only as they are made from payroll, and do not offer "make up" or "true up" contributions; one such employer is the Federal Thrift Savings Plan. This can cause an employee to lose out on some matching funds if:
    • The employee contributes the IRS maximum before the end of the year.
    • The employee suspends contributions for any period of time.
  • If the employer does offer true up contributions, then any shortfall in matching funds because of the scenarios above, will be added to the employee's matching funds at the end of the year to "true up" the employer's match. If your employer does offer to true up contributions, then many of the details in this section do not concern you as your employer will make sure you gain the maximum match.

Considerations for those who want to maximize their contribution to the IRS maximum, and earn the maximum match available:

  • Ideally, if you plan to contribute the IRS maximum, you should contribute a fixed amount per pay period as opposed to a percentage. For example, supposing you are paid two times per month and the IRS maximum is $18,000, then you should elect to contribute $750.00 per pay period ($18,000 / 24).
  • Many plans do not allow participants to specify a fixed contribution per pay period, but only offer a percentage contribution based on salary. In this case, calculate what percentage it would take to maximize over the course of the year. For example, if you earn $100,000 per year, and are paid twice per month, and the IRS maximum is $18,000, then, you would choose 18.0%.
  • If you have a variable salary, or if you get a raise or salary reduction, then you'll need to regularly recompute your contribution amounts to make sure you wind up contributing the maximum amount while also earning the highest matching amount you can.


Forum post rewrite scratch

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References

  1. Bogleheads® forum topic: The Three Fund Portfolio. 7 April 2019
  2. Bogleheads® forum topic: The Three Fund Portfolio