SSGA US BOND INDEX SECURITIES LENDING SERIES FUND CLASS VIII

I really appreciate it. I have been investing in roth k since I believe we’re at the lowest tax rates historically and they can only go higher. Listed are the funds available with the gross expense ratios. I have edited my original post to provide more information on my net worth. And you usually don’t make as much when you’re in retirement. If your lousy k doesn’t pass, be sure to contribute 5. I own the market.

As mentioned in the edited post, I do sometimes get down about the huge options losses that i’ve incurred, but I guess I have to continue working hard and start investing the “right” way and eventually get back. I think it applies. If that’s the case, I looked using the morningstar x-ray and it does have a lot of small caps. I haven’t invested in my k this year, but I will try to reach the yearly maximum contribution with the remaining two monthly pay periods. You increase your upside potential too. The funds available aren’t the best either most with high expense ratios.

You increase your upside potential too.

k asset allocation help –

When you dump the whole chunk into a stock heavy allocation, you greatly increase your downside risk. Pick a certain amount of funds to invest and buy every two weeks according to the desired asset allocation? Just edit your original post.

Anything beyond the IRA you can do, invest in vkii taxable account. Speculation is a good description of trying to time the market. But I wouldn’t do it when you’re dumping in everything in two months. Bad Timing Costs Investors 2.

– State Street U.S. Bond Index Non-Lending Series Fund Class C | Fidelity Investments

I imagine that next year you’ll be splitting your contributions over many paychecks, so then it’s fine to securitties a stock heavy allocation for each contribution.

If all goes well, I should have about 70K or so to invest in a taxable account annually, that includes a variable bonus and monthly contributions.

About Roth K – I wouldn’t do that in your position. So, just one last follow up, I’ve been reading how we can’t time the market and shouldn’t delay investing based on market highs as we have now or any behavior of the markets, so my question is what is the most optimal way to invest. Get the tax savings now and use that extra money to build backdoor Roth or taxable savings. Do have the option of either a Traditional or Roth k?

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The return on money that’s in that mattress of yours is zero. The data shows that an investor is better served by sticking lendign a strategic asset allocation plan and filtering out the noise of whatever else is happening in the market.

Bogleheads.org

What would your short term and long term asset allocation look like? I am amazed obnd how bad some of these plan options are. The returns will be, I believe, above zero–well above zero. I own the market. Given that we’re at almost record market highs, do you suggest another approach to slowly get into that target allocation?

You’re right about the fund selection, but the Wiki section on k expensive or mediocre choices explains that even a bad k is better than taxable. Picking funds comes after you have your foundational thinking clear–otherwise impulse may steer you off course funf. And you usually don’t make as much when you’re in retirement. Currently I’m diversified between roth k and traditional, but I will definitely look into more traditional.

What are your thoughts on the process of buying into the funds? No one knows what the future holds, or when, so you should start and stick to a good long-term plan now, and not wait. Thank you in advance! I’m definitely starting up the backdoor Roth IRA again. What funds fund names, tickers and expense ratios are you currently using in each account?

If your lousy k doesn’t pass, be sure to contribute 5. Consider all accounts together as a single unified portfolio.

You seem to think that tax rates will inevitably go up. Someone who dumped the whole chunk into the market before the Great Depression didn’t break even for 25 years.

As mentioned in the edited post, I do sometimes get down about the huge options losses that i’ve incurred, but I guess I have to continue working hard and start investing the “right” way and eventually get back. Don’t have anything in a taxable account right now since my remaining funds after the big options trading losses i incurred are in an employer fund was given this benefit this year, but we have a capacity limit.

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Try to ignore the market, because nobody knows what it’s going to do in the future. I don’t think that’s the aim of most families in America. Also bond funds are not very tax-efficient, and are preferably placed in traditional tax protected accounts like your k.

Well, not investing bone guarantee you inddx have no retirement plan. Does anyone have a good article on details of expense ratios for mutual funds vs etfs, etc?

And I could be wrong, clwss the way. My concern is that given peak market conditions, do you think I should in the short term asset allocate differently with the speculation that markets will drop once rates increase?

I actually switched and will be adding to traditional this year with the last two monthly pay periods. My employer is working on a better k plan, but in the meantime based on that formula in the mentioned blog, it does seem like I should still invest in my employer’s k given that seucrities not securitifs how long i’ll be at the firm and my tax bracket. As for how to contribute, if you have a stock-heavy desired allocationI would not dump all of this year’s contributions into that allocation unless you’re paid weekly in which case each contribution would not be that big.

Last edited by pingo on Mon Nov 02, 7: Also what is an appropriate sub-allocation between large cap, mid cap, small cap? The case against roth k actually makes very valid points. Last edited by yeehaw2 on Tue Oct 27, 6: Even if they go up in general, which they might not, it doesn’t mean they’ll go up for you.