saradagakasepu Posted September 25, 2014 Report Posted September 25, 2014 na 401k 53 bank tho undi...evo investment options select cheyyamantundi...avento naku ardam kavatla....old company lo work chesetappudu valle options pick chese vallu...kottha company lo maname pick cheskovalanta.... evarikaina investment options ela pick cheskovali idea unte kastha cheppandi babulu....Plzz CITI#H@ thankyou
Spartan Posted September 25, 2014 Report Posted September 25, 2014 if ur age is below 35yrs.... put 90% stocks..10% Bonds..
akusharat Posted September 25, 2014 Report Posted September 25, 2014 If you have a plan to select from provider for time you want to retire, select those plans. If under age 30, select 2050 retirement plan. Such plans basically invest more in stocks and less on bonds.
saradagakasepu Posted September 25, 2014 Author Report Posted September 25, 2014 thanks chittinaidu & nijama_abadama..... eee options unnay...and percentage contribute chesthamo aduguthundi... veetillo Fixed, Bond ante ardam ayindi...migilina categories ento thelidu...meku emanna idea unda? Investment Name Asset Class T. Rowe Price Retirement Income Fund Asset Allocation T. Rowe Price Retirement 2010 Fund Asset Allocation T. Rowe Price Retirement 2020 Fund Asset Allocation T. Rowe Price Retirement 2030 Fund Asset Allocation T. Rowe Price Retirement 2040 Fund Asset Allocation T. Rowe Price Retirement 2050 Fund Asset Allocation Artisan International Inv International Funds Columbia Acorn International Z International Funds Virtus Emerging Markets Opportunities I International Funds T. Rowe Price Real Estate Specialty American Beacon Small Cp Val Inst Small Cap Funds Columbia Small Cap Index A Small Cap Funds T. Rowe Price New Horizon Small Cap Funds Artisan Mid Cap Inv Mid Cap Funds Artisan Mid Cap Value Investor Mid Cap Funds Vanguard Mid Cap Index Signal Mid Cap Funds Columbia Large Cap Index Z Large Cap Funds Harbor Capital Appreciation Inv Large Cap Funds T. Rowe Price Equity Income Fund Large Cap Funds PIMCO Total Return Fund - Admin Bond Morley Stable Value Fund Fixed
Dippam Posted September 25, 2014 Report Posted September 25, 2014 Off topic question: Ee 401k plan lo money eppudu padithe appudu teesukolemu kada, in cse India vellipodham anukunte appudu ee money position enti ? Manaki 56 years vache varuku wait chesi teesukovali aa
saradagakasepu Posted September 25, 2014 Author Report Posted September 25, 2014 Off topic question: Ee 401k plan lo money eppudu padithe appudu teesukolemu kada, in cse India vellipodham anukunte appudu ee money position enti ? Manaki 56 years vache varuku wait chesi teesukovali aa
Dippam Posted September 25, 2014 Report Posted September 25, 2014 money withdraw cheskunte financial institution ni batti 5-10 business days lo check vasthadi...56 years avasaram ledu...eppudaina theeskovachchu...but 10% entho penalty kattali......and needi pre-tax aithe tax pay cheyyali... stocks pedatha...but avi eppudu up & down untay kada....so best stock ela chuskuni pettali?Thanks idi teliyaka inni rozullo 401k plan vaadukoledu. Total stock market index funds lantivi emanna unte alantivi pettuko Bhayya
Spartan Posted September 25, 2014 Report Posted September 25, 2014 money withdraw cheskunte financial institution ni batti 5-10 business days lo check vasthadi...56 years avasaram ledu...eppudaina theeskovachchu...but 10% entho penalty kattali......and needi pre-tax aithe tax pay cheyyali... stocks pedatha...but avi eppudu up & down untay kada....so best stock ela chuskuni pettali? valle pedtar stocks lo..u dont need to do that... nuvve invest cheskovali ante..valla deggare trading account open cheskoval.. Vangaurd has that option..
saradagakasepu Posted September 25, 2014 Author Report Posted September 25, 2014 valle pedtar stocks lo..u dont need to do that... nuvve invest cheskovali ante..valla deggare trading account open cheskoval.. Vangaurd has that option.. bro...i think i'm confused...stocks lo nenu direct ga invest cheyyalenu anukunta... paina post lo options icchanu chudava koncham...ala undi 53 vadi web site lo...and okkokka option ki entho kontha percentage contribute cheyyamani undi...so i can choose 1 or more options...and contribute to them...the total contribution should be 100%...
THE_FNG Posted September 26, 2014 Report Posted September 26, 2014 10% penalty is on top of your usual tax liability. Say you make 100k. If you withdraw 10k from 401f, then your income is considered to be 110k. Your tax will be calculated for 110K. On top of that you will pay 10% penalty for the the 10K you withdraw from your 401K acct. One work around for that is when you move back to India, just withdraw money so that you will fall under the no-tax bracket(less than minimum wage). In that case your tax liability is 0% + 10 % penalty.
THE_FNG Posted September 26, 2014 Report Posted September 26, 2014 TS...check the fund performance for the last 1mo, 3mos, 1yr and lifetime. Also 10 yrs performance of 10K chudu. That will give you an idea of whether or not to select that fund.
Dippam Posted September 26, 2014 Report Posted September 26, 2014 10% penalty is on top of your usual tax liability. Say you make 100k. If you withdraw 10k from 401f, then your income is considered to be 110k. Your tax will be calculated for 110K. On top of that you will pay 10% penalty for the the 10K you withdraw from your 401K acct. One work around for that is when you move back to India, just withdraw money so that you will fall under the no-tax bracket(less than minimum wage). In that case your tax liability is 0% + 10 % penalty. Super. Thanks bro
saradagakasepu Posted September 26, 2014 Author Report Posted September 26, 2014 10% penalty is on top of your usual tax liability. Say you make 100k. If you withdraw 10k from 401f, then your income is considered to be 110k. Your tax will be calculated for 110K. On top of that you will pay 10% penalty for the the 10K you withdraw from your 401K acct. One work around for that is when you move back to India, just withdraw money so that you will fall under the no-tax bracket(less than minimum wage). In that case your tax liability is 0% + 10 % penalty. good to know...idi thelidu naku... TS...check the fund performance for the last 1mo, 3mos, 1yr and lifetime. Also 10 yrs performance of 10K chudu. That will give you an idea of whether or not to select that fund. thanks bhayya...investment performance ani edo ichchadu...will check it out...
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