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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
A place to talk about investing stuff.
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Old 06-16-2020, 12:05 AM   #5416
Jenson71 Jenson71 is offline
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My company match blows. Only bad part about my job and benefits. I put in 12% of my own income to bring my tax bracket down though. Crazy how many people pass up free money in the company match.
I worked with someone who got the company match into her SIMPLE IRA, but never bought anything with it. It was just cash. After over a decade. I wanted to strangle her.
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Old 06-16-2020, 06:14 AM   #5417
Hog's Gone Fishin Hog's Gone Fishin is offline
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IQ taking off.
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Old 06-16-2020, 06:38 AM   #5418
Loneiguana Loneiguana is offline
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The Fed says it is going to start buying individual corporate bonds

Unprecedented.
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Old 06-16-2020, 06:58 AM   #5419
lewdog lewdog is offline
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The Fed says it is going to start buying individual corporate bonds

Unprecedented.
If this gravy train ever stops, watch out.
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Old 06-16-2020, 07:03 AM   #5420
Hammock Parties Hammock Parties is offline
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IQ taking off.
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Old 06-16-2020, 07:23 AM   #5421
petegz28 petegz28 is offline
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Originally Posted by lewdog View Post
My company match blows. Only bad part about my job and benefits. I put in 12% of my own income to bring my tax bracket down though. Crazy how many people pass up free money in the company match.
Does your company offer a Roth 401k?

Are you maxing out your Roth IRA?
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Old 06-16-2020, 07:32 AM   #5422
lewdog lewdog is offline
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Originally Posted by petegz28 View Post
Does your company offer a Roth 401k?

Are you maxing out your Roth IRA?
They do but I have my own ROTH IRA that I started in college. I contribute to it myself and have maxed it the last 3 years.
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Old 06-16-2020, 08:54 AM   #5423
Tylerthigpen!1! Tylerthigpen!1! is offline
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Originally Posted by lewdog View Post
My company match blows. Only bad part about my job and benefits. I put in 12% of my own income to bring my tax bracket down though. Crazy how many people pass up free money in the company match.
What's your match?
Last edited by Tylerthigpen!1!; 06-16-2020 at 09:30 AM..
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Old 06-16-2020, 09:02 AM   #5424
lewdog lewdog is offline
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Originally Posted by Tylerthigpen!1! View Post
What's your match?
1% on 4%, nothing over that. Lame.
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Old 06-16-2020, 09:20 AM   #5425
petegz28 petegz28 is offline
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They do but I have my own ROTH IRA that I started in college. I contribute to it myself and have maxed it the last 3 years.
Okay so you have the Roth IRA maxed, awesome!!!

Now, change your 401k contributions to the following:

Pre-tax contribution to only the amount you have to have to get the full company match. Nothing more!! NOTHING MORE! If they only match up to 4% then you contribute no more than 4%

Put the rest of what you want to contribute in the Roth 401k. Yes, yes, I know, you don't get the tax deductions. BOO to the ****ing HOO!!! Woe is me, I had to pay taxes, wha, wha, wha.

Big ****ing deal. Put it in your Roth 401k. There are several advantages to this:

1. If for some reason you HAD to have the money before you retire you can get back up to the amount you put in (your capital) with no penalites or taxes.

2. If you hold it until you retire you pull out of it 100% tax free. No figuring that if you want $1k you might have to pull out $1.3 k because of taxes.

3. Most likely taxes will be higher than they are now when you retire


ROTHs are the ****ing awesome. I only put into pre-tax what I have to in my 403b because our company only matches pre-tax contributions. The rest goes into the ROTH.
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Old 06-16-2020, 09:26 AM   #5426
Shag Shag is offline
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Originally Posted by petegz28 View Post
Okay so you have the Roth IRA maxed, awesome!!!

Now, change your 401k contributions to the following:

Pre-tax contribution to only the amount you have to have to get the full company match. Nothing more!! NOTHING MORE! If they only match up to 4% then you contribute no more than 4%

Put the rest of what you want to contribute in the Roth 401k. Yes, yes, I know, you don't get the tax deductions. BOO to the ****ing HOO!!! Woe is me, I had to pay taxes, wha, wha, wha.

Big ****ing deal. Put it in your Roth 401k. There are several advantages to this:

1. If for some reason you HAD to have the money before you retire you can get back up to the amount you put in (your capital) with no penalites or taxes.

2. If you hold it until you retire you pull out of it 100% tax free. No figuring that if you want $1k you might have to pull out $1.3 k because of taxes.

3. Most likely taxes will be higher than they are now when you retire


ROTHs are the ****ing awesome. I only put into pre-tax what I have to in my 403b because our company only matches pre-tax contributions. The rest goes into the ROTH.
A Roth maxes out at $6k per year, vs $19.5k for a 401k, plus Roth has income limits to even qualify.
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Old 06-16-2020, 11:29 AM   #5427
petegz28 petegz28 is offline
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A Roth maxes out at $6k per year, vs $19.5k for a 401k, plus Roth has income limits to even qualify.
A ROTH 401k maxes out at $19,500, bro


$19,500
The contribution limit for a designated Roth 401(k) for 2020 is $19,500, up from $19,000 in 2019. Account-holders who are age 50 or older may make catch-up contributions of up to $6,500, for a potential total annual contribution of $26,000.
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Old 06-16-2020, 11:38 AM   #5428
Buehler445 Buehler445 is offline
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A Roth maxes out at $6k per year, vs $19.5k for a 401k, plus Roth has income limits to even qualify.
401K Roth has the same limit as traditional.
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Old 06-16-2020, 12:00 PM   #5429
Shag Shag is offline
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A ROTH 401k maxes out at $19,500, bro


$19,500
The contribution limit for a designated Roth 401(k) for 2020 is $19,500, up from $19,000 in 2019. Account-holders who are age 50 or older may make catch-up contributions of up to $6,500, for a potential total annual contribution of $26,000.
Quote:
Originally Posted by Buehler445 View Post
401K Roth has the same limit as traditional.
Whoops, my bad - I was thinking just a Roth IRA.
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Old 06-17-2020, 11:44 AM   #5430
scho63 scho63 is offline
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Homebuyer mortgage demand spikes to 11-year high, as rates hit another record low

https://www.cnbc.com/2020/06/17/home...ecord-low.html

Time to look at home builders?
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