- April 20, 2024
- Posted by: legaleseblogger
- Category: Related News
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****** just grabbed a
To cut to the chase I have a 100% match up to 5% on my 401k and wanted to ask for opinions on some of the fees and determine whether they are normal. I have the ‘dream’ to be financially free (maybe not necessarily retire fully, but work part-time or maybe work on a hobby I enjoy). My Plan Administration Asset Based Fee is $3.30 per $1,000 (Annual amount) and $0.83 per $1,000 (Quarterly Amount), mine is the quarterly amount. Assuming I max out my 401k for 2024’s limit (23k, I’m under 50yrs old) Quarterly Fee = 23 x $0.83 = $19.09 x 4 quarters in a year = $76.36 (obviously the market fluctuates and I am not putting a lump sum in but rather contributing over time, but this is just a baseline). As for specific investment fees, I chose the following investments options: (which are iShares MSCI Total International Index K and iShares S&P 500 Index K, fairly young so I’m doing a 90/10 split; 90% into S&P 500 and 10% into International). The fees for each of these are as follow: Gross/Net Investment Expenses for S&P 500 Index K is 0.03% or $0.30 per $1,000 Gross. For Fixed Return Investments it is 2.45%, $24.50 per $1,000. For International Index it is 0.10%, $1.00 per $1,000 Gross. Because I have a 100% Safe Harbor vesting schedule I will 100% be investing to max out the match, but was wondering if I should contribute more into a 401k (tax benefited account) compared to a taxable brokerage account (more flexibility). Any thoughts and opinions are appreciated. I didn’t include some of the more ‘obscure’ or uncommon fees like Wiring, but if I were to rollover it’d be $15 fee.
I have a question about affording a house. I really want to own a home but not sure how to start. My take home pay is around 4.2k. Would it be dumb of me to spend 2k on monthly mortgage? A lot of the houses around me is around 300k. I’m pretty firm on the location, it’s close to my parents, my job, and near parks/cities. I have 20k put away for a future home down payment. I also have 10k for my emergency fund. Is it better to keep saving? How much should I save? I’m not sure if mortgage interest rate will go down anytime soon. Thank you!
How would I go about finding a professional to talk to about non-investing personal money questions?
things i want help with:
-home purchase savings options
-should i move away from my Big Bank and into a credit union; should i open savings with a CU but keep most stuff w BB?
-with my income/savings – what should i be thinking about/doing differently
Anytime i’ve tried to look into finding someone to help me with this i get looped around to investing and retirement funds and it’s all aimed at people with 6 figures in income or savings which i dont expect to ever have.
Edit: I also don’t want/need to be in routine contact with this person, just something to set me up and I’m obviously expecting to pay a consultant fee for it but i dont know where to look that wont be either biased or only be interested in investing talk.
Just joined the sub and saw this thread. Perfect opportunity to ask this question I’ve been kicking around.
I have about 21k in principal in a 529 plan. My understanding is I can withdraw principal without penalty.
That 21k would allow me to payoff a couple debts that would free up about 700 a month and get only a couple months away from paying off another debt to give me another $300 per month.
I can snowball those savings to pay off my other two large debts within about a year. That would be another $900 per month off the budget.
Between those savings and the extra cash in the monthly budget, I could “repay” the 529 withdraw in about 6 months after that. I would then be debt free minus my very minimal mortgage payment.
None of the debt is credit cards. Blended rate on the debt is about 5%, but my main short term goal is get to get out of debt to build assets and cash flow.
Please tell me why this might be a bad idea because I can really only think the downside is something happens like job loss that prevents the immediate repayment of the 529, but even then having less debt would provide a softer landing.
I have a 401k question! Hypothetically, let’s say an employee were to transfer from a traditional 401k to a Roth IRA. Assuming they were beneath both 59.5 and 5 year seasoning period, could they withdraw with a penalty, or would they not be allowed to even attempt to withdraw? Additionally, can employers block any type of withdrawals as a plan administrator? Thanks in advance for anyone who helps out!
Do you use a financial advisor? I’m being charged 1.25% AUM quarterly and this guy barely answers my emails or forgets to restart automatic withdrawals after a change (e.g., I increased the amount I’m investing, and later changed my bank). I think I’ll go back to fidelity and managing it myself, or maybe finding someone who does a flat fee.
I want to do stocks so I got an online brokerage account. I’m looking to dabble in investing (at first) a max of 500 for short-medium term gains. How the hell do I start? Are index funds mostly for just long term investments? Can I invest in individual stocks with an Ally brokerage acct? What other options are there? There’s so many YouTubers/articles for investing, but what’s investing resources can I actually trust? Anything to shed some light would be appreciated.
How do you not go crazy while saving?
FIRE is my dream and I really hope to retire by the time I am 40, and I’ve been aggressively saving but after years of aggressive saving its starting to take a toll. I still I want to go out, I want to live, I want to go on vacations and party. I am still many years away from achieving the fire dream so I just grit my teeth and try to push forward but with everything going on over these last years my goal to 40 is not viable. maybe 44.