Category Archives: Money

This is my final take on Roth vs. Traditional 401k in which I extend the previous model to include two new variables: a different tax rate for money withdrawn from 401k (the expectation is that you will be in a … Continue reading →

There is a subtle bug in my original post on Roth vs. Traditional 401k. The bug being that in Roth 401k, we pay taxes upfront but we still get to invest full contribution amount that grows tax-free. The bug is … Continue reading →

Let be amount invested over years. = rate of return. = tax rate. Roth 401k You pay taxes upfront. That reduces to . After years this becomes which you can withdraw tax free. Traditional 401k You don’t pay any taxes … Continue reading →

This post is an analysis of the Washington State GET (Guaranteed Education Tuition) program. The main question we want to answer is whether to invest in GET or Vanguard 529 or both. GET Resources: https://www.get.wa.gov/sites/default/files/documents/2017-18-GET-Enrollment-Guide.pdf https://www.get.wa.gov/sites/default/files/documents/Program%20Details.pdf Click to access Tuition-Payout-Over-Time-Chart-2018.pdf … Continue reading →

https://assetbuilder.com/knowledge-center/articles/three-ways-to-have-vanguard-at-fidelity https://www.bogleheads.org/wiki/Fidelity Q. Does Fidelity have a fund that compares to the Vanguard Balanced Index (ticker: VBINX)? I like the performance and the low expense fees the Vanguard fund has. I also like the ratio of 60 percent stocks, 40 … Continue reading →

I have been a Vanguard customer for almost 10 years. I opened an account with them after getting glowing recommendations from a trusted friend many years ago. In the past 10 years there have been several instances when I needed … Continue reading →

Not deleting this post but below steps will not give you the correct rate of return. Excel merely hides the cells that are not marked as CONTRIBUTION. It doesn’t exclude them from the XIRR computation. Download your transaction history as … Continue reading →

http://www.irs.gov/publications/p523/ar02.html#en_US_2013_publink1000200711 Maximum Exclusion You can exclude up to $250,000 of the gain (other than gain allocated to periods of nonqualified use) on the sale of your main home if all of the following are true. •You meet the ownership test. … Continue reading →

http://apps.finra.org/fundanalyzer/1/fa.aspx http://www.finra.org/Investors/ToolsCalculators/index.htm http://www.sec.gov/answers/mffees.htm Mutual Fund Fees and Expenses As with any business, running a mutual fund involves costs. For example, there are costs incurred in connection with particular investor transactions, such as investor purchases, exchanges, and redemptions. There are also … Continue reading →