Topics | Search Log Out | Register | Edit Profile
Hide Clipart | Banned/Unbanned User Log | Moderator Login History | Thread Delete/Move Log | Last 30 mins | 1 | 2
401 K

Chalanachithram.com DB » New TF Industry Related » Archive through February 10, 2017 » 401 K « Previous Next »
Author Message
 

Sony
Legend
Username: Sony

Post Number: 33700
Registered: 12-2006
Posted From: 170.48.19.249

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:55 am:       

ayite major portion index lo etti, aa large cap/mid caps lo takkuva edatanu
 

Rebel
Hero
Username: Rebel

Post Number: 15447
Registered: 02-2008
Posted From: 159.45.129.11

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:54 am:       

do u guys know about buffet's 1 million $ bet ?

Nearly a decade ago, Warren Buffett made a million-dollar bet: that by investing in a completely unmanaged, broad-market low-fee index fund, he could beat the gains earned by a high-powered hedge fund with a team of managers at the helm.


At the end of 2015, Buffett was up 65.7% vs. their 21.9%.

http://finance.yahoo.com/news/buffett-most-mportant-investme nt-lesson-211351601.html
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35216
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:48 am:       

hmm, looks like i am wrong

then what is the use of managed funds and extra fees?
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35215
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:47 am:       


Sony:

cannot or can?


managed funds index nee kooda beat seyyaka pothay inka yendhuku ani thaatha feel anukuntunna
 

Rebel
Hero
Username: Rebel

Post Number: 15445
Registered: 02-2008
Posted From: 159.45.129.11

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:47 am:       

>>cannot or can?

can not. he thinks index funds are best with low expense ratios. there will be exceptions anuko.

http://www.investopedia.com/articles/investing/060216/3-reas ons-why-buffett-suggests-index-funds-average-americans-brka- spy.asp

http://www.marketwatch.com/story/warren-buffetts-investing-t ip-for-lebron-james-stick-with-an-index-fund-2015-03-02
 

Sony
Legend
Username: Sony

Post Number: 33699
Registered: 12-2006
Posted From: 170.48.19.249

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:44 am:       


Rebel:

.but generally buffet thinks other actively managed funds cant beat index funds returns


cannot or can?
 

Rebel
Hero
Username: Rebel

Post Number: 15444
Registered: 02-2008
Posted From: 159.45.129.11

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:42 am:       

>>so i need to put more money in index funds then

index funds vi takkuva untay coz they just monitor an index..
nee istam baasu..u can mix n match..but generally buffet thinks other actively managed funds cant beat index funds returns
 

Sony
Legend
Username: Sony

Post Number: 33698
Registered: 12-2006
Posted From: 170.48.19.249

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:41 am:       


Sony:

index funds are having 0.05 and 0.06

migitavi 0.59, 0.69 range lo unnayi.


these are all %s
 

Sony
Legend
Username: Sony

Post Number: 33697
Registered: 12-2006
Posted From: 170.48.19.249

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:40 am:       


Rebel:


rebel bhayya, checked my expense ratio index funds are having 0.05 and 0.06

migitavi 0.59, 0.69 range lo unnayi...so i need to put more money in index funds then?
 

Rebel
Hero
Username: Rebel

Post Number: 15442
Registered: 02-2008
Posted From: 159.45.129.11

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:37 am:       

>>did a 42.19% on HDs 401k YTD

Mav, whaat ? mottam company stock lo ettava
 

Rebel
Hero
Username: Rebel

Post Number: 15441
Registered: 02-2008
Posted From: 159.45.129.11

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:30 am:       

>>but i am asking if I can do IRA for my wife? not Roth IRA.

not sure.. but I think roth ira is better if u r already contributing to 401k..
we should diversify money into different platforms like before tax/after tax/
 

Jalsa
Legend
Username: Jalsa

Post Number: 35665
Registered: 02-2008
Posted From: 73.197.109.142

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:16 am:       


Jai_ycp:

total moeny put in retirement accounts cannot be more than 18K anukunta kadha for a person.



That's right.
 

Jai_ycp
Side Hero
Username: Jai_ycp

Post Number: 7529
Registered: 04-2015
Posted From: 100.36.224.18

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:15 am:       


Maverick:

you can do 401k and ira both



total moeny put in retirement accounts cannot be more than 18K anukunta kadha for a person.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Jalsa
Legend
Username: Jalsa

Post Number: 35664
Registered: 02-2008
Posted From: 73.197.109.142

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:13 am:       


Maverick:

as long as your agi < 180k, you can do 401k and ira both



yes, it's less. but i am asking if I can do IRA for my wife? not Roth IRA.
 

Maverick
Legend
Username: Maverick

Post Number: 63424
Registered: 01-2008
Posted From: 108.171.130.187

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 10:00 am:       


Jalsa:

If wife is not working, can we still create a IRA account for them and contribute to that as well?


as long as your agi < 180k, you can do 401k and ira both
Happy Vizag
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19484
Registered: 06-2008
Posted From: 204.77.233.154

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 09:53 am:       

http://www.clark.com/529-plans-remain-preferable-pre-paid-st ate-school-?_ga=1.65049959.835049875.1486556002

check this out for 529 plans....
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Jai_ycp
Side Hero
Username: Jai_ycp

Post Number: 7526
Registered: 04-2015
Posted From: 100.36.224.18

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 09:29 am:       


Mamamiya786:

ei charges eppudu apply avutai



some quarterly and some annually. you need to check the prospects of the fund.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19483
Registered: 06-2008
Posted From: 69.109.128.225

Rating: N/A
Votes: 0 (Vote!)

Posted on Wednesday, February 08, 2017 - 07:13 am:       

Fund charges less than one percent vunte good antunnaru keda...ei charges eppudu apply avutai ...
funds move chesinappuda leak yearly charges?
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Rebel
Hero
Username: Rebel

Post Number: 15439
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 05:24 pm:       

>>No other investment gives that kind of returns.

rental income aa US lo ? adantha pedda risk kada also it works in select few markets..
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19481
Registered: 06-2008
Posted From: 69.109.128.225

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 05:14 pm:       


Okahyderabadi:

ayina ikkadaina real estate is the king. invest in some good properties which gives monthly income. No other investment gives that kind of returns.




ikkada konchem kastam antha returns vundavu unless you bought them in recession ...but sure that is one of the idea....ippudu vunnantha lo saving ..tomororw i will invest if i earn more money ...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Okahyderabadi
Side Hero
Username: Okahyderabadi

Post Number: 6608
Registered: 12-2009
Posted From: 68.128.160.159

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 05:10 pm:       


Mamamiya786:


india lo ayina ikkadaina real estate is the king. invest in some good properties which gives monthly income. No other investment gives that kind of returns.
In history there is no such thing as the last word on any subject research leads to new things every day
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19480
Registered: 06-2008
Posted From: 69.109.128.225

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 05:09 pm:       


Jalsa:

oth IRA antey post-tax contribution kadha?




idi andaru eligible avvaru ...esp both wife and husband working ..... gross chala vuntundi kabatti...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Jalsa
Legend
Username: Jalsa

Post Number: 35663
Registered: 02-2008
Posted From: 73.197.109.142

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 01:02 pm:       


Rebel:

can contribute to her roth IRA



roth IRA antey post-tax contribution kadha?

between, Trump gaadu mortgage interest deduction lepi dobbuthunnadu anta...
 

Rebel
Hero
Username: Rebel

Post Number: 15434
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 01:01 pm:       

Jalsa, can contribute to her roth IRA
 

Jalsa
Legend
Username: Jalsa

Post Number: 35662
Registered: 02-2008
Posted From: 73.197.109.142

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 12:57 pm:       

If wife is not working, can we still create a IRA account for them and contribute to that as well?
 

Jalsa
Legend
Username: Jalsa

Post Number: 35661
Registered: 02-2008
Posted From: 73.197.109.142

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 12:56 pm:       

Maaku only company funds ye choice. small cap and mid cap lo pettuntey returns vachevi, of course a little risky too.
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35208
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 12:56 pm:       


Polavaram:

Vuntunna state kakunda vere state plan lo contribute chesthunte tax returns filing lo benefit vundadhu


yes, nevada/utah best plans but you cannot get any tax benefit ( few hundred per yr)
so started in VA - state of residence
 

Polavaram
Junior Artist
Username: Polavaram

Post Number: 417
Registered: 08-2016
Posted From: 66.87.73.3

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 12:53 pm:       

529 contribute viuntunna state ki chesthu vunte tax benefit vuntadhi

Vuntunna state kakunda vere state plan lo contribute chesthunte tax returns filing lo benefit vundadhu

Konni states like missouri, even if you are contributing to other state 529 plan, tax deductions lo benifits vuntundhi
NTR-Vajpayee Polavaram Irrigation Project
 

Sp1234
Side Hero
Username: Sp1234

Post Number: 6191
Registered: 11-2014
Posted From: 70.102.136.132

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 12:41 pm:       

don't count your chickens before they hatch... markets all time high lo unnai so 10%+ is normal...will have to wait and see what a bear market does to 401k.
 

Rajusk
Legend
Username: Rajusk

Post Number: 53522
Registered: 02-2008
Posted From: 170.74.231.22

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 12:37 pm:       


Hero:

sony sir

box office collections..futball...finance..401k..529...IRA...Folitics.. annitilo nu meere anta meere

meeku telavani vishyam edina unda




you forgot Astrology..andulo kooda King..mana Sony kurrod
 

Rebel
Hero
Username: Rebel

Post Number: 15433
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 12:34 pm:       

>>529 ki only 4k varaku tax

adi konni states ke..529 is like roth ira..no taxes on profits earned
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19479
Registered: 06-2008
Posted From: 204.77.233.154

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:55 am:       


Sony:

29 Nevada/Utah plan ye kada???




529 ki only 4k varaku tax benefit , that too only state , not federal ...
if you put more than that , it can not go under taxable amount.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19478
Registered: 06-2008
Posted From: 204.77.233.154

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:45 am:       

I am saving 100 dollars per month for each kid in ga529 , i just checked ...i paid 3000 dollars so far and the balance is 3,300 . i think marginal growth ...is it good. Do i have to be more aggressive...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Sony
Legend
Username: Sony

Post Number: 33686
Registered: 12-2006
Posted From: 170.48.19.250

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:27 am:       


Humpty_dumpty:


529 is one source since earnings are not taxed if used for college

Vanguard index funds vs Ishares
What's your take


529 Nevada/Utah plan ye kada???

Index funds better anukuntuna HD uncle last 2 years bagunayi, wife di vanguard index funds lo petta konta money in 401k

maa company shares gurunchi naaku idea undi, eppudu perugutundi ani, migitavi kastame
 

Rebel
Hero
Username: Rebel

Post Number: 15432
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:25 am:       

>>slightly better than index

hyder..rich becoming rich ante ide..nee paadam ekkada pedithe akkada rising la undi
 

Maverick
Legend
Username: Maverick

Post Number: 63403
Registered: 01-2008
Posted From: 108.171.130.189

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:24 am:       

did a 42.19% on HDs 401k YTD, mine managed only 11%
Happy Vizag
 

Sony
Legend
Username: Sony

Post Number: 33685
Registered: 12-2006
Posted From: 170.48.19.250

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:24 am:       


Hero:


 

Rebel
Hero
Username: Rebel

Post Number: 15431
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:22 am:       

>>>meeku telavani vishyam edina unda

"puvvu puttaganey parimalinchinattu" ante sametha sony ni chusi pettaranta
 

Mrhyderabad
Hero
Username: Mrhyderabad

Post Number: 12383
Registered: 01-2008
Posted From: 47.187.15.253

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:21 am:       


Humpty_dumpty:

2016 returns % yettu

with great diffibulty double digit reach ayindhee




16.43% 01/01/2016 - 01/01/2017 - HD 401k

14.21% 01/01/2016 - 01/01/2017 - Mine

slightly better than index so not too bad anukuntunna
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
 

Hero
Hero
Username: Hero

Post Number: 10252
Registered: 09-2009
Posted From: 38.101.193.194

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:18 am:       


Sony:

401k,529 annitni peelchi pippi chestunnaru..good job




sony sir

box office collections..futball...finance..401k..529...IRA...Folitics.. annitilo nu meere anta meere

meeku telavani vishyam edina unda

 

Rebel
Hero
Username: Rebel

Post Number: 15430
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 11:16 am:       

humpty n sony
401k,529 annitni peelchi pippi chestunnaru..good job
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35205
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:55 am:       

Sony
529 is one source since earnings are not taxed if used for college

Vanguard index funds vs Ishares
What's your take
 

Sony
Legend
Username: Sony

Post Number: 33684
Registered: 12-2006
Posted From: 170.48.19.250

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:37 am:       


Humpty_dumpty:



also, i started 529 for kids ...1 year ayindhee but akkada retursn over a year 4% supisthunaayi
next adhi kooda eval cheyyali


529 kante i am thinking to take vanguard index funds and put money into it monthly/annually for next 15 years rather than 529
 

Sony
Legend
Username: Sony

Post Number: 33683
Registered: 12-2006
Posted From: 170.48.19.250

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:36 am:       


Humpty_dumpty:

sony, changing too often is not good antaaru...is it true?


i made good money last year, ee year mundara kontha funds nunchi maa company stock marchudam anukuni wait chesa 1 week, already 15% perigindi, missed that boat
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35204
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:30 am:       


Rebel:


thxses annai
i did look at exp .ratio when i made changes last year
need to check again

sony, changing too often is not good antaaru...is it true?

also, i started 529 for kids ...1 year ayindhee but akkada retursn over a year 4% supisthunaayi
next adhi kooda eval cheyyali
 

Sony
Legend
Username: Sony

Post Number: 33680
Registered: 12-2006
Posted From: 170.48.19.250

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:27 am:       


Rebel:

Consider an expense ratio of 1%, a fund of $10,000 invested at 8% annual return will grow to $19,672 in 10 years, while the same fund invested at an expense ratio of 0.1% will grow by a higher amount of $21,390. The difference between the returns will zoom on increasing the holding period.


thanks uncle, i have been doing lot of changes to funds last 1 year for more returns...never paid attention to expense ratio

currently Index funds and Large caps were giving me good returns, last year was good

will check out my expense ration now
 

Rebel
Hero
Username: Rebel

Post Number: 15429
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:24 am:       

Consider an expense ratio of 1%, a fund of $10,000 invested at 8% annual return will grow to $19,672 in 10 years, while the same fund invested at an expense ratio of 0.1% will grow by a higher amount of $21,390. The difference between the returns will zoom on increasing the holding period.

Considering the same parameters, with an expense ratio of 0.1%, the fund of $10,000 will grow to $97,869 in 30 years (at the same 8% rate of return). The same fund will however grow to a much lesser value of $76,123 with an expense ratio of 1%.
 

Jai_ycp
Side Hero
Username: Jai_ycp

Post Number: 7484
Registered: 04-2015
Posted From: 100.36.224.18

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:22 am:       


Humpty_dumpty:

may have to rethink if 59.5 is eligible



we are eligible to pick 401k money by 59.5 age.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Jai_ycp
Side Hero
Username: Jai_ycp

Post Number: 7483
Registered: 04-2015
Posted From: 100.36.224.18

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:21 am:       


Mamamiya786:

vanguard fund meeda idea vunda ? konchem manchi funds suggest cheyochhu ga...



I am not an expert. Basic ga risk profile, last 10 years yield chusi set cheyyatame. traditionally you can follow 60/20/20 (risk 3/risk 4/risk 5), kadhu ee year baguntundi market because of trump domestic agenda anukunte go 40/30/30.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Rebel
Hero
Username: Rebel

Post Number: 15428
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:21 am:       

-The expense ratio is the annual fee that all funds charge.

ex: if u invest 10K
Fund with expense ratio 0.1 means it charges $10 per year
Fund with expense ratio 1.4 charges $140

these charges will eat ur returns in the long term.
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35203
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:19 am:       


Jai_ycp:

why pick 65 age fund? the longer fund you pick they will go slow in the initial years and be aggressive in final years.


did not think much
thought 65 would better for my situation

may have to rethink if 59.5 is eligible
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19477
Registered: 06-2008
Posted From: 204.77.233.154

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:18 am:       


Jai_ycp:

. why pick 65 age fund? the longer fund you pick they will go slow in the initial years and be aggressive in final years.




vanguard fund meeda idea vunda ? konchem manchi funds suggest cheyochhu ga...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Andhrawala
Legend
Username: Andhrawala

Post Number: 56848
Registered: 03-2008
Posted From: 152.51.56.1

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:15 am:       


Saint:

employer match monthly vasthada? or yearly? or quarterly?




Typical gaa Employer match monthly vasthundhi

Companies like IBM does yearly onetime in December

Fidelity does 7% match monthly and then gives 10% of salary+bonus in January of following year which is called Profit Sharing
No Signature
 

Jai_ycp
Side Hero
Username: Jai_ycp

Post Number: 7481
Registered: 04-2015
Posted From: 100.36.224.18

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:15 am:       


Mamamiya786:

low expense ratio ante



the cost to maintain a fund. Typical ga fund documentation lo vuntundhi.typically <1 aithe manchidhi. max 0.25 atla vuntayi.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19476
Registered: 06-2008
Posted From: 204.77.233.154

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:15 am:       


Andhrawala:

Fidelity is good. No doubt about it




emaina hidden prices vuntaya ,,,,either fidelity or vanguard.

Ei busy life lo deeni meeda time spend cheyaleka petunia....i have to focus on it for some time....and get some knowledge...

i moved my rollover accounts to vanguard ..with out much thinking i put my money in 2/3 funds ..
based on humpy-dumpy info.

prudential account needs to be moved . Just want to try fidelity.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Jai_ycp
Side Hero
Username: Jai_ycp

Post Number: 7480
Registered: 04-2015
Posted From: 100.36.224.18

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:13 am:       


Humpty_dumpty:

i picked first one based on retirement age ...65 years



401K si available from 59.5 years. why pick 65 age fund? the longer fund you pick they will go slow in the initial years and be aggressive in final years.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19475
Registered: 06-2008
Posted From: 204.77.233.154

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:13 am:       


Rebel:

are all different brokerage/investment firms..it doesn't matter which one u choose..evry firm has good and bad funds...just invest in low expense ratio funds..




Rebel low expense ratio ante ...konchem explain cheyandi ..

fidelity and vanguard are top firms.

Some how i have bad experience with prudential ... any idea about it .. I need to move it to either fidelity or prudential...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Rebel
Hero
Username: Rebel

Post Number: 15427
Registered: 02-2008
Posted From: 159.45.129.12

Rating: N/A
Votes: 0 (Vote!)

Posted on Tuesday, February 07, 2017 - 10:04 am:       

>>11% last year in 401K. I am assuming this is before employer match.

generally it's with everything -matching etc..unless it specifically says..
that's nice return..so far u r the highest..
 

Sony
Legend
Username: Sony

Post Number: 33669
Registered: 12-2006
Posted From: 170.48.2.184

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 04:17 pm:       


Saint:

employer match monthly vasthada? or yearly? or quarterly?


match unte, every pay check ki ostundi
 

Jalsa
Legend
Username: Jalsa

Post Number: 35656
Registered: 02-2008
Posted From: 159.53.78.143

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 04:16 pm:       


Saint:

or yearly?



maaku idhi
 

Saint
Legend
Username: Saint

Post Number: 67374
Registered: 01-2011
Posted From: 144.230.191.36

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 04:16 pm:       

employer match monthly vasthada? or yearly? or quarterly?
 

Jalsa
Legend
Username: Jalsa

Post Number: 35655
Registered: 02-2008
Posted From: 159.53.174.143

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 04:13 pm:       

11% last year in 401K. I am assuming this is before employer match.

mid cap, large cap value, large cap growth, large cap index unnai...okati target date ki move cheyalemo.
 

Banam
Hero
Username: Banam

Post Number: 12671
Registered: 12-2011
Posted From: 70.246.74.143

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:38 pm:       


Sony:



Humpty_dumpty:




Thanks annai's
Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR
 

Banam
Hero
Username: Banam

Post Number: 12670
Registered: 12-2011
Posted From: 70.246.74.143

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:37 pm:       


Rebel:

banam, also check roth IRA. you can contribute 5500 per year.




Thanks bro. I will look into this...
Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR
 

Rebel
Hero
Username: Rebel

Post Number: 15422
Registered: 02-2008
Posted From: 159.45.186.47

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:35 pm:       

>>vanguard better ?

bhayya many times I saw ppl asking these Q's..
it's like asking boa,wellsfargo,chase etc which one better for banking ?

they are all different brokerage/investment firms..it doesn't matter which one u choose..evry firm has good and bad funds...just invest in low expense ratio funds..
 

Xxx
Hero
Username: Xxx

Post Number: 13355
Registered: 04-2009
Posted From: 149.168.132.16

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:31 pm:       


Andhrawala:

Yepp. Fidelity is good. No doubt about it




vanguard better ?
-
 

Andhrawala
Legend
Username: Andhrawala

Post Number: 56829
Registered: 03-2008
Posted From: 152.51.56.1

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:30 pm:       


Mamamiya786:

Is Fidelity good ?




Yepp. Fidelity is good. No doubt about it
No Signature
 

Rebel
Hero
Username: Rebel

Post Number: 15421
Registered: 02-2008
Posted From: 159.45.186.47

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:24 pm:       

banam, also check roth IRA. you can contribute 5500 per year.
 

Polavaram
Junior Artist
Username: Polavaram

Post Number: 409
Registered: 08-2016
Posted From: 24.107.119.38

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:22 pm:       

mutual fund ferformance ni pick chesetappudu choodalsindhi

10 years ferformance choodala




quote:

see this chart from 1928..
since 1980 there are only 6 down years. so last 36 years lo 30 plus years and 6 minus years.




ante inka ittanti down years frequent ga vasthune vuntayi

retire ayye last 5 years lo market padakunda vunte chalu with existing portfolio

or

move everything to bonds or stable funds, if you are planning to retire with in next 5 years
NTR-Vajpayee Polavaram Irrigation Project
 

Guru
Hero
Username: Guru

Post Number: 10576
Registered: 05-2009
Posted From: 199.67.138.42

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:21 pm:       


Rajusk:

aa billing ae entha ani Sesani asking in Billing thread :D




whatsapp chesa Sesani annai ki
 

Guru
Hero
Username: Guru

Post Number: 10575
Registered: 05-2009
Posted From: 199.67.138.42

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:21 pm:       


Humpty_dumpty:

60 is the new 40 antaav




auv annai
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35193
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:16 pm:       


Mamamiya786:


i picked first one based on retirement age ...65 years

rest two picked based on fees, fund type etc.
antha deep gaa think seyyaledhu as our fund manager is supposed to filter much of it
just checked fees and picked large and mid cap

i dont have much of a risk appetite ...rookie annattu
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19472
Registered: 06-2008
Posted From: 204.77.233.154

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 02:10 pm:       


Humpty_dumpty:

we have mainly vanguard, couple of fidelity and wells fargo

Vanguard Target Retirement 2045 Inv Target Maturity 40% of contribution

Vanguard Large Cap Index Adm Large Cap Stock Fund 30%

Vanguard Mid-Cap Index Fd (Admiral) Mid Cap Stock Fund 30%





ei funds ela decide chesaru ..did you study the history of these funds ?

emi ledu blind ga follow avudamani...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Sony
Legend
Username: Sony

Post Number: 33667
Registered: 12-2006
Posted From: 170.48.2.185

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:56 pm:       


Banam:

Nenu contracting and maa company never talks about it, so peddaga investigate kooda cheyaledhu...Can I take a 401K account without employers consent?... Oka vela teesukunte how do I need to push money into this account?


direct gaa paycheck nunchi 401K transfer pettukovachu.

paycheck ADP lanti software ayite nuvve add chesukovachu nee 401K account ni vala website lo online account okati create chesukuni
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35192
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:55 pm:       


Banam:


anything you can save pre-tax is good
i dont know much about the specific case you asked.
but dont waste time...i myself wasted 3-4 years
 

Rajusk
Legend
Username: Rajusk

Post Number: 53462
Registered: 02-2008
Posted From: 170.74.231.22

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:54 pm:       


Guru:

60hrs/week with same billing




aa billing ae entha ani Sesani asking in Billing thread :D
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35191
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:53 pm:       


Guru:


60 is the new 40 antaav
 

Guru
Hero
Username: Guru

Post Number: 10574
Registered: 05-2009
Posted From: 199.67.140.45

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:51 pm:       


Humpty_dumpty:

hello annai
h r u
naa thed last week 200 kottindhee...u did not post...i hurted :P




ofis lo iraga kummings..60hrs/week with same billing

threads lo milk shake sharing okkate takkuva
 

Twotown
Side Hero
Username: Twotown

Post Number: 3355
Registered: 09-2016
Posted From: 207.244.66.70

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:45 pm:       


Banam:


Annai's - naaku inthavaraku 401K ledhu and I am 31 now. Inka nunchi start cheyali antara for sure?.

Nenu contracting and maa company never talks about it, so peddaga investigate kooda cheyaledhu...Can I take a 401K account without employers consent?... Oka vela teesukunte how do I need to push money into this account?




'401k without employer contribution' search kottu choodu discoed ...
 

Banam
Hero
Username: Banam

Post Number: 12667
Registered: 12-2011
Posted From: 70.246.74.143

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:42 pm:       


Sony:




Rebel:




Humpty_dumpty:




Annai's - naaku inthavaraku 401K ledhu and I am 31 now. Inka nunchi start cheyali antara for sure?.

Nenu contracting and maa company never talks about it, so peddaga investigate kooda cheyaledhu...Can I take a 401K account without employers consent?... Oka vela teesukunte how do I need to push money into this account?
Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35189
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:38 pm:       


Guru:


hello annai
h r u
naa thed last week 200 kottindhee...u did not post...i hurted :P
 

Mamamiya786
Hero
Username: Mamamiya786

Post Number: 19471
Registered: 06-2008
Posted From: 204.77.233.154

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:31 pm:       

naku vangaurd lo account vundi ...vadu money market lo petted ...

i need to change them to index funding... any suggestions.

btw , is prudential good for 401k o rollover IRA ? any suggestions to move to which company ?

Is Fidelity good ?
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Guru
Hero
Username: Guru

Post Number: 10573
Registered: 05-2009
Posted From: 199.67.140.42

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:30 pm:       


Humpty_dumpty:



nivu all set..shabba khair..khuyyum brother of aali
 

Sony
Legend
Username: Sony

Post Number: 33666
Registered: 12-2006
Posted From: 170.48.2.185

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:29 pm:       

last month 2.97% increase ayyindi ok antaraa

annatu maavi vanguard kaadu, prudential.

wife has some vanguard funds, index funds set chesaa ok antaraa?
 

Rebel
Hero
Username: Rebel

Post Number: 15420
Registered: 02-2008
Posted From: 159.45.186.47

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:25 pm:       

>>.is this a decent mix?

yes..urs look good to me.
to be blunt..it doesn't matter..any vanguard fund with low expense ratio is good..
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35187
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:18 pm:       

annais
right now ila set chesaa ...is this a decent mix?
we have mainly vanguard, couple of fidelity and wells fargo

Vanguard Target Retirement 2045 Inv Target Maturity 40% of contribution

Vanguard Large Cap Index Adm Large Cap Stock Fund 30%

Vanguard Mid-Cap Index Fd (Admiral) Mid Cap Stock Fund 30%
 

Ysr2009
Side Hero
Username: Ysr2009

Post Number: 4743
Registered: 03-2014
Posted From: 129.135.0.21

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 01:06 pm:       

>> ela ? mottam money market/company stock lo pettava

Search for 'NVLIX' ( Nuveen Winslow Large-Cap Growth Fund Class I )


7/2015 to 2/2017 - 0% returns


 

Andhrawala
Legend
Username: Andhrawala

Post Number: 56824
Registered: 03-2008
Posted From: 152.51.56.1

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 12:59 pm:       


Rebel:

as per buffet if u can't beat s&p 500 returns better change ur investment strategy..it may not apply to 401k since 100% stocks lo andaru pettaru




I keep in Target Retirment funds

around 8% return vachinattundhii
No Signature
 

Rebel
Hero
Username: Rebel

Post Number: 15419
Registered: 02-2008
Posted From: 159.45.186.47

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 12:40 pm:       

>>naadi last year 0% return

ela ? mottam money market/company stock lo pettava >

as per buffet if u can't beat s&p 500 returns better change ur investment strategy..it may not apply to 401k since 100% stocks lo andaru pettaru
 

Ysr2009
Side Hero
Username: Ysr2009

Post Number: 4742
Registered: 03-2014
Posted From: 129.135.0.19

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 12:18 pm:       

>> 2016 returns % yettu

naadi last year 0% return.. worst ferformance ever..
 

Rebel
Hero
Username: Rebel

Post Number: 15418
Registered: 02-2008
Posted From: 159.45.186.47

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 12:07 pm:       

>>2016 returns % yettu

2016 - s&p return is 11.7%

see this chart from 1928..
since 1980 there are only 6 down years. so last 36 years lo 30 plus years and 6 minus years.

http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/ histretSP.html
 

Humpty_dumpty
Moderator
Username: Humpty_dumpty

Post Number: 35185
Registered: 02-2009

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 12:03 pm:       

2016 returns % yettu

with great diffibulty double digit reach ayindhee

planning to max out from now on
 

Rebel
Hero
Username: Rebel

Post Number: 15417
Registered: 02-2008
Posted From: 159.45.186.47

Rating: N/A
Votes: 0 (Vote!)

Posted on Monday, February 06, 2017 - 11:49 am:       

start saving for yourself whether its 401k or other investment vehicle..

if u r on the fence on 401k read this thread..explains it better

https://www.reddit.com/r/personalfinance/comments/1vvqgy/rea d_this_before_thinking_about_touching_your/

on the flip side, watch this video from CBS 60 mins to keep u grounded..in case u forgot 08 recession..
https://www.youtube.com/watch?v=nAHgr9dY9BU&app=desktop

for contractors, 401K=traditional IRA

Add Your Message Here
Post:
Bold text Italics Underline Create a hyperlink Insert a clipart image HASH(0x87104a0){Movie Clipart}
Show / hide regular icons selection options

Click on following links to open cliparts by Alphabetical Order

 A   B   C   D   E   F   G   H   I   J   K   L   M  

N   O   P   Q   R   S   T   U   V   W   X   Y   Z  

Show / Hide Filmy icons selection options

Click on following links to open cliparts by Alphabetical Order

  A   B   C   D   E   F   G   H   I   J   K   L   M  

N   O   P   Q   R   S   T   U   V   W   X   Y   Z  

Username: Posting Information:
This is a public posting area. Enter your username and password if you have an account. Otherwise, enter your full name as your username and leave the password blank. Your e-mail address is optional.
Password:
E-mail:
Options: Enable HTML code in message
Automatically activate URLs in message
Action: