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401k - fund allocation

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Chitti_babu
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Username: Chitti_babu

Post Number: 13615
Registered: 03-2012
Posted From: 108.60.158.130

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Posted on Monday, March 16, 2015 - 02:01 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

http://www.fool.com/retirement/iras/2014/10/22/ira-vs-401k-w hich-is-better-for-you.aspx
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Mrhyderabad
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Username: Mrhyderabad

Post Number: 11187
Registered: 01-2008
Posted From: 166.137.240.109

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Posted on Monday, March 16, 2015 - 01:33 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maserati:


last few months (6-12) lo baaga perform chesina emerging mkt funds cheppandi? And intl fund as well

I used to have both in my portfolio couple of years ago but recently got rid of them
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Sonyvaio
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Username: Sonyvaio

Post Number: 17955
Registered: 12-2006
Posted From: 170.48.19.254

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Posted on Monday, March 16, 2015 - 12:55 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Just4fun:

401k, IRA both r different?


401k lo rendu unnayi, traditional 401k and IRA ani

http://en.wikipedia.org/wiki/Comparison_of_401%28k%29_and_IR A_accounts
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Humpty_dumpty
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Username: Humpty_dumpty

Post Number: 30054
Registered: 02-2009

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Posted on Monday, March 16, 2015 - 12:50 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ok vanguard lo target 2045 ani yettan blind gaa till date
indx and this one meedha sadhuvukovaali

also
best way to allocate below contributing sources ?
employee
employer matching
safe harbor

aa lite treat all as one antaara?
till date last 2 sources are vested 100%

any strategies, pitfalls?

401k for dummies ani sadhivaa...naaku thelisindhay rasaadu
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Maharshi
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Username: Maharshi

Post Number: 6253
Registered: 02-2008
Posted From: 170.146.220.20

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Posted on Monday, March 16, 2015 - 12:50 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

Yeppp. Open IRA and u can contribute upto 5500 if u dont participate in 401K




annai ...naa question kuda on the similar lines. IRA account ela opne chesthe better ..directly edanna bank ki vella or through agent aa ?
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Just4fun
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Username: Just4fun

Post Number: 32214
Registered: 10-2007
Posted From: 166.137.248.28

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Posted on Monday, March 16, 2015 - 12:50 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Ur making me confuse again. 401k, IRA both r different?? Employer through contribute chesina 5500 ee limit aa?? Or ala ekkuva limit untada.
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Andhrawala
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Username: Andhrawala

Post Number: 38084
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Monday, March 16, 2015 - 12:45 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Just4fun:

One basic Q: can we maintain 401k ourself instead of through employer? Any cons or limit on the contribution ?




Yeppp. Open IRA and u can contribute upto 5500 if u dont participate in 401K
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Andhrawala
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Username: Andhrawala

Post Number: 38083
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Monday, March 16, 2015 - 12:43 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Humpty_dumpty:

Vanguard Target Retirement 2055 #




Humpty. go for this

It will be aggressive. Assumes that u will retire in 2055 and invest the money accordingly.
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Sonyvaio
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Username: Sonyvaio

Post Number: 17954
Registered: 12-2006
Posted From: 170.48.19.254

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Posted on Monday, March 16, 2015 - 12:41 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Just4fun:

One basic Q: can we maintain 401k ourself instead of through employer? Any cons or limit on the contribution ?


if employer is not contributing, best would be investing in mutual funds

especially index funds....401k lo money will be locked, ante teesukovachu kaani penalties pay chese kante.....INdex funds maintain cheyadam best

adey Employer contribute chestunte, 401k contribution chesukovali, employer iche 3-6% long term lo effects baguntayi
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Sonyvaio
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Username: Sonyvaio

Post Number: 17953
Registered: 12-2006
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Posted on Monday, March 16, 2015 - 12:40 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Humpty_dumpty:

vanguard target lo already yettyanappaa
index kooda waadikay iwwanna?


index ye teesukovali, maa company vanguard ivatam ledu ani roju feel avtuna....
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Humpty_dumpty
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Username: Humpty_dumpty

Post Number: 30053
Registered: 02-2009

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Posted on Monday, March 16, 2015 - 12:38 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

get, sony
vanguard target lo already yettyanappaa
index kooda waadikay iwwanna?
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Just4fun
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Username: Just4fun

Post Number: 32213
Registered: 10-2007
Posted From: 166.137.248.28

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Posted on Monday, March 16, 2015 - 12:38 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

One basic Q: can we maintain 401k ourself instead of through employer? Any cons or limit on the contribution ?
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Getafix
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Username: Getafix

Post Number: 18511
Registered: 02-2008
Posted From: 12.151.251.178

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Posted on Monday, March 16, 2015 - 12:35 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Humpty_dumpty:

Vanguard Target Retirement *




nee current age using sesi retirement age estimate sesi pina fund lo etteseyy..

401k site login avdam anukuni, password gurthundaka light teesukune batch ki Vanguard target retirement funds best.. nen majority allocation dantlo set sesa..
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Sonyvaio
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Username: Sonyvaio

Post Number: 17949
Registered: 12-2006
Posted From: 170.48.19.254

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Posted on Monday, March 16, 2015 - 12:34 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Humpty_dumpty:


Vanguard Indexes teesuko annai, alage look for other funds performances
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Humpty_dumpty
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Username: Humpty_dumpty

Post Number: 30052
Registered: 02-2009

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Posted on Monday, March 16, 2015 - 12:31 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ippudu seppandi

anything familiar

I will research the ones you quote

AllianzGI NFJ Small Cap Value Fund Inst.
Artisan Mid Cap Value Inv
BlackRock Equity Dividend (I)
Columbia Acorn USA Z #
Fidelity Balanced Fund
Fidelity Capital & Income Fund ‡
Fidelity Capital Appreciation
Fidelity Contrafund
Invesco Real Estate Fund R5 #
Lazard Emerging Markets / I ‡
Morgan Stanley Inst Mid Cap Growth(I)
Oppenheimer International Bond Y
PIMCO Real Return/Institutional
PIMCO Total Return Fund (Inst)
Prudential Jennison Natural Resources Z
Thornburg International Value (R5)
Vanguard Interm-Term Treasury Inv
Vanguard Target Retirement 2010 #
Vanguard Target Retirement 2015 #
Vanguard Target Retirement 2020 #
Vanguard Target Retirement 2025 #
Vanguard Target Retirement 2030 #
Vanguard Target Retirement 2035 #
Vanguard Target Retirement 2040 #
Vanguard Target Retirement 2045 #
Vanguard Target Retirement 2050 #
Vanguard Target Retirement 2055 #
Vanguard Target Retirement Income #
Wells Fargo Stable Return Fund N
Vanguard Interm-Term Bond Index Adm #
Vanguard Large Cap Index Adm #
Vanguard Small-Cap Index (Admiral) #
Vanguard Total Intl Stock Index Admiral #
Vanguard Mid-Cap Index Fd (Admiral) #
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Sonyvaio
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Username: Sonyvaio

Post Number: 17948
Registered: 12-2006
Posted From: 170.48.19.254

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Posted on Monday, March 16, 2015 - 12:30 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Chass, HD annai post chesi delete chesinatunadu
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Sonyvaio
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Username: Sonyvaio

Post Number: 17946
Registered: 12-2006
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Humpty_dumpty:


ichina list lo Vanguard Large cap index teesuko annai, eyes wide shut
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Vjawarrior
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Username: Vjawarrior

Post Number: 15900
Registered: 02-2014
Posted From: 153.2.247.30

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Posted on Monday, March 16, 2015 - 12:05 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maserati:

go with 50% S&P500 index ETF, 25% emerging markets etf and 25% international etf.


bhale simple gaa telchi paaresaav gaa annai
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Sonyvaio
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Username: Sonyvaio

Post Number: 17944
Registered: 12-2006
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Posted on Monday, March 16, 2015 - 12:01 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Prudential ayite cheppu annai,

market is good, Large cap ani untadi if you go through the allocations, put more money there

performance graph istadu every plan vaadu, aa graph batti last quarter ni batti allocations marustu untanu
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Rajusk
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Username: Rajusk

Post Number: 35974
Registered: 02-2008
Posted From: 170.74.56.82

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Posted on Monday, March 16, 2015 - 11:59 am:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maharshi:

Tax filing ki pothe, eduru kattalsi vasthundi prathi year due to various income resources


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Just4fun
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Username: Just4fun

Post Number: 32208
Registered: 10-2007
Posted From: 204.235.114.65

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Posted on Monday, March 16, 2015 - 11:58 am:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Idle_yzag:

Hyder and JackJill kurrolu advising sestharu


AEPGX, ANCFX, ANEFX, SMCWX


endo ivi evado gujju gadu maintain chestunnadu. ippatiki 10% down ani chupistondi.
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Maharshi
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Username: Maharshi

Post Number: 6252
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Posted From: 170.146.221.27

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Posted on Monday, March 16, 2015 - 11:57 am:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

IRA accout gurinchi kuda konchem postandi ..thread veyyataniki baddakinchi veyala.

Tax filing ki pothe, eduru kattalsi vasthundi prathi year due various reasons. CA sir vaadu IRA account opne chesi funds transfer chesthe daniki kontah tax exemption ani chepthu unnadu 2-3 years , final ga ee yr seseddamani decide ayya.

So account open cheddam anukunte how to proceed edi better ..experts pls advise.

deeni gurinche teliyadu kabatti 401k gurinchi veediki asalu teliyadu ani HD unkul artham chesukoni thread hijack ani tittakunda untadu anukuntunna..aa pi kuda gava
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Maserati
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Username: Maserati

Post Number: 1257
Registered: 02-2015
Posted From: 161.141.1.1

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Posted on Monday, March 16, 2015 - 11:53 am:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

go with 50% S&P500 index ETF, 25% emerging markets etf and 25% international etf.
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Rajusk
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Username: Rajusk

Post Number: 35972
Registered: 02-2008
Posted From: 170.74.56.82

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Posted on Monday, March 16, 2015 - 11:53 am:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Humpty_dumpty:

chaala yrs badhaginchaaka ee month 401k plan site lo latest gaa login ayya






atla moola padi unna dhanaanni Padmanabhaswamy temple vallu taalalu teesinattu teesthunnara
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Idle_yzag
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Username: Idle_yzag

Post Number: 38217
Registered: 02-2008
Posted From: 12.130.4.244

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Posted on Monday, March 16, 2015 - 11:52 am:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

mee plan lo vunnavi ikkada pettu,

Hyder and JackJill kurrolu advising sestharu
JP/Chiru
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Bunty717
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Username: Bunty717

Post Number: 43001
Registered: 02-2008

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Posted on Monday, March 16, 2015 - 11:51 am:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

401k waste..
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Humpty_dumpty
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Username: Humpty_dumpty

Post Number: 30048
Registered: 02-2009

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Posted on Monday, March 16, 2015 - 11:48 am:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

chaala yrs badhaginchaaka ee month 401k plan site lo latest gaa login ayya

oka three funds seppandi ...generic gaa
okati steady gaa long term
oka avg risky
okati risky
50-25-25 gaa allocate sedhaari anukuntunnaa

meru seppinavi maa plan lo unnayo ledho kooda secking seyyali
401k waste ani seppamaakandi

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