AFlaccoSeagulls Posted February 14, 2018 Share Posted February 14, 2018 Just now, ramssuperbowl99 said: Well the way the question was worded made me wonder if the question was "my employer would match 6% in a pre-tax 401k or 6% in a post-tax 401k". They'll match 6% contributions. I'm not sure if it has to be in one or the other, or both. Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted February 14, 2018 Share Posted February 14, 2018 5 minutes ago, Darth Pees said: So if I can, I'd like to re-visit the HSA stuff real quick. Now that I've maxed out my contributions, I still don't know what I should allocate the investments in. So when I load the page, there's a bunch of categories: Mutual Fund Investments Large Cap - US Equity Small and Mid Cap - US Equity Non-US Equity Fixed Income Asset Allocation And then in each of those sections there's like 5-10 options... Hopefully there's an index fund in each of the first 3 categories. Copy and paste fund lists (or PM me) and I can provide some recommendations. Link to comment Share on other sites More sharing options...
AFlaccoSeagulls Posted February 14, 2018 Share Posted February 14, 2018 Just now, ramssuperbowl99 said: Hopefully there's an index fund in each of the first 3 categories. Copy and paste fund lists (or PM me) and I can provide some recommendations. Quote Large Cap - U.S. Equity Mutual Fund Name Symbol Balance Available Election Davis New York Venture Class Y DNVYX 0.000 $0.00 0% Victory Diversified Stock I VDSIX * Closed to New Investors 0.000 $0.00 0% JP Morgan Large Cap Growth Class I SEEGX 0.000 $0.00 0% Vanguard Dividend Appreciation Index Investor VDAIX 0.000 $0.00 0% Schwab Fundamental U.S. Large Company Index SFLNX 0.000 $0.00 0% Vanguard 500 Index Fund Admiral Shares VFIAX 0.000 $0.00 0% Small and Mid Cap - U.S. Equity Mutual Fund Name Symbol Balance Available Election Artisan Small Cap Institutional APHSX 0.000 $0.00 0% Oppenheimer Main Street Class Y MIGYX 0.000 $0.00 0% Neuberger Berman Mid Cap Intrinsic Val Inv NBRVX * Closed to New Investors 0.000 $0.00 0% American Century Mid Cap Value Class I AVUAX 0.000 $0.00 0% Parnassus Mid Cap Institutional PFPMX 0.000 $0.00 0% Vanguard Small Cap Index Admiral Class VSMAX 0.000 $0.00 0% JP Morgan Small Cap Value Class I PSOPX 0.000 $0.00 0% Non-U.S. Equity Mutual Fund Name Symbol Balance Available Election Dodge & Cox International Stock Fund DODFX 0.000 $0.00 0% Thornburg International Value Class I TGVIX 0.000 $0.00 0% Vanguard Developed Markets Index Admiral VTMGX 0.000 $0.00 0% Vanguard Emerging Markets Stock Index Admiral VEMAX 0.000 $0.00 0% Harbor International Fund Instl Class HAINX 0.000 $0.00 0% American EuroPacific Growth Fund Class R-6 RERGX 0.000 $0.00 0% Fixed Income Mutual Fund Name Symbol Balance Available Election Harbor Bond Fund HABDX * Closed to New Investors 0.000 $0.00 0% AMG Managers Amundi Intermediate Gov N MGIDX 0.000 $0.00 0% Vanguard Short Term Investment Grade VFSTX 0.000 $0.00 0% Dodge & Cox Income Fund DODIX 0.000 $0.00 0% Metropolitan West Total Return Bond Class M MWTRX 0.000 $0.00 0% Pimco Low Duration I PTLDX * Closed to New Investors 0.000 $0.00 0% Vanguard Long-Term Bond Index Investor VBLTX 0.000 $0.00 0% Asset Allocation Mutual Fund Name Symbol Balance Available Election Vanguard LifeStrategy Conservative Growth Investor VSCGX 0.000 $0.00 0% Vanguard LifeStrategy Moderate Growth Investor VSMGX 0.000 $0.00 0% American 2020 Target Date Class R6 RRCTX 0.000 $0.00 0% American 2025 Target Date Class R6 RFDTX 0.000 $0.00 0% American 2030 Target Date Class R6 RFETX 0.000 $0.00 0% American 2035 Target Date Class R6 RFFTX 0.000 $0.00 0% American 2040 Target Date Class R6 RFGTX 0.000 $0.00 0% American 2045 Target Date Class R6 RFHTX 0.000 $0.00 0% American 2050 Target Date Class R6 RFITX 0.000 $0.00 0% American 2055 Target Date Class R6 RFKTX 0.000 $0.00 0% Link to comment Share on other sites More sharing options...
pwny Posted February 14, 2018 Author Share Posted February 14, 2018 Just now, ramssuperbowl99 said: Well the way the question was worded made me wonder if the question was "my employer would match 6% in a pre-tax 401k or 6% in a post-tax 401k". Gotcha. Yeah, if he could effectively be in a situation where he’s effectively double taxed on the employer contribution if he did ROTH, going to traditional is the right way. Link to comment Share on other sites More sharing options...
cddolphin Posted February 14, 2018 Share Posted February 14, 2018 dear god make it stop Link to comment Share on other sites More sharing options...
LETSGOBROWNIES Posted February 14, 2018 Share Posted February 14, 2018 4 minutes ago, cddolphin said: dear god make it stop This isn’t fun? Link to comment Share on other sites More sharing options...
AFlaccoSeagulls Posted February 14, 2018 Share Posted February 14, 2018 5 minutes ago, cddolphin said: dear god make it stop 2 Link to comment Share on other sites More sharing options...
skywindO2 Posted February 14, 2018 Share Posted February 14, 2018 I can put up to 6% in to my retirement accounts and have my employer match it. I do a 3% split between the before tax account and the roth 401k but the employer contribution goes to a separate account, safe harbor matching? Knowing that, should I change to only be contributing to my roth 401k? Am I missing out on anything by just using target funds instead of specific stock? Link to comment Share on other sites More sharing options...
pwny Posted February 14, 2018 Author Share Posted February 14, 2018 3 minutes ago, Darth Pees said: They'll match 6% contributions. I'm not sure if it has to be in one or the other, or both. There’s 3 different things that could be going on here and now I’m confused. If you make $50 per hour, and work $20 hours, you make $1,000 gross. If you put in $60, how much do they put in? Is it $60? If $100 of that $1,000 is going to your HSA and is non-taxable, your taxable income is now $900. If you put in $60, what do they put in? Is it $60 or is it $54? If that $60 is non-taxable, that would bring your taxable income down to $840. What are they putting in then? Is it $60, $56.40, or $50.40? I guess it’s also possible that they’re matching 6% of whatever you put in, but that would be freaking trash if they only put in $3.60. Link to comment Share on other sites More sharing options...
AFlaccoSeagulls Posted February 14, 2018 Share Posted February 14, 2018 (edited) 8 minutes ago, iPwn said: There’s 3 different things that could be going on here and now I’m confused. If you make $50 per hour, and work $20 hours, you make $1,000 gross. If you put in $60, how much do they put in? Is it $60? If $100 of that $1,000 is going to your HSA and is non-taxable, your taxable income is now $900. If you put in $60, what do they put in? Is it $60 or is it $54? If that $60 is non-taxable, that would bring your taxable income down to $840. What are they putting in then? Is it $60, $56.40, or $50.40? I guess it’s also possible that they’re matching 6% of whatever you put in, but that would be freaking trash if they only put in $3.60. I have no idea about any of this, but I can probably guess that if I put in $60, and that's 8% of my gross pay, they'll put in whatever 6% of that gross pay is (so I would put in $80 and they'd put in $60). Beyond that, I have no clue. EDIT: To give you an idea, I'm looking at my transaction history and so for the most recent transaction I put in $233.13 and they matched at $160. Edited February 14, 2018 by Darth Pees Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted February 14, 2018 Share Posted February 14, 2018 (edited) @Darth Pees your employer has some boss-*** benefits. You're going to want VFIAX, VSMAX, VTMGX, VEMAX, and VBLTX to more or less recreate the 3-fund portfolio. VFIAX and VSMAX in about a 4:1 or 5:1 ratio recreates most of the US stock market. VTMGX and VEMAX in about 3:1 recreates most of the international market. VBLTX is pretty much the bond market So your allocation should be very heavy stocks vs. bonds. I'm 95/5 personally, but anywhere around 95/5 to even 80/20 works for your age. How much international versus domestic is up to you. Some people choose 1:1. Personally right now, I'm 2:1 US:international, but there are people who recommend 3:1 or even more. So divide up accordingly. Say you want to do what I do (95/5 stocks/bonds, 2:1 US:international), it would break down. 63.4% US stock market (VFIAX - 50.7% and VSMAX -12.7%) 31.6% International market (VTMGX - 23.7% and VEMAX - 7.9%) 5% VBLTX for bonds TIFWIW Edited February 14, 2018 by ramssuperbowl99 Link to comment Share on other sites More sharing options...
AFlaccoSeagulls Posted February 14, 2018 Share Posted February 14, 2018 @ramssuperbowl99 I'm gonna PM you to stop clogging up the thread with stock discussion Link to comment Share on other sites More sharing options...
MrDrew Posted February 14, 2018 Share Posted February 14, 2018 2 hours ago, Darth Pees said: Alright I feel a lot better now and I'm no longer in a panic about how I'm going to pay out-of-pocket for this. I checked my HSA and I had like $1,250 in there. Activated my HSA debit card and used that to pay for the services so hopefully that'll take care of it. If not, and you did come out of pocket, you can get reimbursed off of the HSA when that happens. Like you paid the copay out of pocket, you can get that back from your HSA. Prescriptions work the same. Link to comment Share on other sites More sharing options...
AFlaccoSeagulls Posted February 14, 2018 Share Posted February 14, 2018 5 minutes ago, MrDrew said: If not, and you did come out of pocket, you can get reimbursed off of the HSA when that happens. Like you paid the copay out of pocket, you can get that back from your HSA. Prescriptions work the same. Luckily I didn't just pay it out of pocket at first. I ended up charging my HSA debit card, but yeah if I did end up paying and then realizing later that I had my HSA, I would have 100% reimbursed myself. I'm thankful others here reminded me of the HSA. Link to comment Share on other sites More sharing options...
Ty21 Posted February 15, 2018 Share Posted February 15, 2018 Hey @Darth Pees where is darth poops 5 Link to comment Share on other sites More sharing options...
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