Local Success.org

[...] most investors doing differently. Note: If you have other retirement accounts, your asset allocation should be considered across all of your accounts. Doing so can make managing your retirement [...]

[...] to their limits before putting money in a taxable account with no tax advantages. ELI5: Asset Allocation Your asset allocation is how you divide your money amongst the various asset classes and the [...]

[...] , see this article which has several other links to good information about the matter. Asset Allocation considerations Considering Social Security in one’s asset allocation usually falls [...]

[...] As a follow-on to Your 401k and You: Basic Information, I would like to summarize some of the main things you need to know about Traditional and [...]

Old Age, Survivors, and Disability Insurance (OASDI), otherwise known colloquially as “Social Security” is often ignored and even more oft [...]

ELI5: How does a 401k work? In plain English, a 401k is an account you put money into that receives favorable tax treatment. Each year you can elect [...]

[...] . In the 3-fund portfolio you aim to hold broadly diversified index funds in the three major asset classes: US stocks, International stocks, and Bonds. By investing in this manner you are instantly [...]

[...] . In the 3-fund portfolio you aim to hold broadly diversified index funds in the three major asset classes: US stocks, International stocks, and Bonds. By investing in this manner you are instantly [...]

[...] guess about your future income tax rates – Those that believe they will be in a lower income tax bracket when they retire usually favor the traditional 401k. Those that believe they will be in a [...]

[...] believe they will be in a higher income tax bracket when they retire usually favor the Roth IRA. Those that believe income tax rates will rise [...]

[...] ’ll still need the first five years’ expenses available via taxable accounts, Roth IRA contributions, and perhaps part-time work. 4. Pay off debt or contribute to my 401k? If your employer [...]

[...] ’ll still need the first five years’ expenses available via taxable accounts, Roth IRA contributions, and perhaps part-time work. 4. Should I pay off debt or contribute to my IRA? IRA [...]

[...] your portfolio should be the three major asset classes – US stock index funds, International Stock index funds, and Bond index funds. A good starting point for determining your bond holding [...]

[...] your portfolio should be the three major asset classes – US stock index funds, International Stock index funds, and Bond index funds. A good starting point for determining your bond holding [...]

[...] penalty. If you do so even earlier, you can access it with a five-year delay via a Roth IRA conversion ladder, although you’ll still need the first five years’ expenses available via [...]

[...] penalty. If you do so even earlier, you can access it with a five-year delay via a Roth IRA conversion ladder, although you’ll still need the first five years’ expenses available via [...]

[...] is [your age]%. At least 20% of your stock holdings is recommended to be in an international stock index fund [Source]. The younger you are, the more risk you can afford to take on in the form of [...]

[...] percentage is [your age]%. At least 20% of your stock holdings should be in an international stock index fund [Source]. The younger you are, the more risk you can afford to take on in the form of [...]

[...] lost returns. Vanguard offers various tools to compare the costs of investing in high or low expense ratio funds (1,2). Unfortunately not all 401k plans are created equal, and some fund selections are [...]

[...] returns. Vanguard offers various tools to compare the costs of investing in high or low expense ratio funds (1, 2). Unfortunately not all IRA providers are created equal, and some providers [...]