Quickgun_murugan Posted February 28, 2018 Report Share Posted February 28, 2018 16 hours ago, Bhia said: 96K 6% from employer contribution 4 yrs FTÂ 6% contribution is really good kaka... Quote Link to comment Share on other sites More sharing options...
krishnote3 Posted February 28, 2018 Report Share Posted February 28, 2018 7 minutes ago, Quickgun_murugan said: Super.. 50% isthey inka baguntadi kada haha... Quote Link to comment Share on other sites More sharing options...
Quickgun_murugan Posted February 28, 2018 Report Share Posted February 28, 2018 Just now, krishnote3 said: haha... how u doing @krishnote3 bro?? etla nadustundi dandha/ Quote Link to comment Share on other sites More sharing options...
papampasivadu Posted February 28, 2018 Report Share Posted February 28, 2018 employer contribution 8% almost 2.5 yrs nunchi contributing..portfolio close to 50k reach avthundi.. actually Jan lo 50k touch chesindhi but Feb lo dhamaal ani 48k ki padindhi.... Quote Link to comment Share on other sites More sharing options...
papampasivadu Posted February 28, 2018 Report Share Posted February 28, 2018 17 hours ago, phatposts said: India vellipovalsi vaste you can actually make a good use case out of it. For example, you have 100K in your 401k and you left to India for good. You can do one of the below:  Good writeup bro...Keep calm and plan your retirement.. Quote Link to comment Share on other sites More sharing options...
alooparata Posted February 28, 2018 Report Share Posted February 28, 2018 28 minutes ago, papampasivadu said: employer contribution 8% almost 2.5 yrs nunchi contributing..portfolio close to 50k reach avthundi.. actually Jan lo 50k touch chesindhi but Feb lo dhamaal ani 48k ki padindhi.... do u continuously monitor your 401k allocations ? Quote Link to comment Share on other sites More sharing options...
Roger_that Posted February 28, 2018 Report Share Posted February 28, 2018 gp Quote Link to comment Share on other sites More sharing options...
littlestar Posted February 28, 2018 Report Share Posted February 28, 2018 5k Quote Link to comment Share on other sites More sharing options...
Kalam_Youtheman Posted February 28, 2018 Report Share Posted February 28, 2018 23 hours ago, Akkumm_Bakkumm said: Mine is 30k in 2 years and 25k vested. 25k vested aina.. nee tax poyyii 15k emo vasthundhemo ga if early removal Quote Link to comment Share on other sites More sharing options...
Amrita Posted February 28, 2018 Report Share Posted February 28, 2018 19 hours ago, phatposts said: India vellipovalsi vaste you can actually make a good use case out of it. For example, you have 100K in your 401k and you left to India for good. You can do one of the below: Option # 1: Let the 100K be in your 401k and let it sit there till you reach 59.5. After that you can withdraw that. At the time of withdrawal if your balance is 200k(with appreciation and compounding) you pay taxes on the 200k. there are ways to mitigate that but lets leave it there for now.  Option # 2: At the time of leaving for good to India you have 100K. Let us assume you left for good in 2019. With the current tax brackets (revised), your federal tax brackets are 1. Up to 19250 --> 10% 2. Up to 77400 --> 12% Now in 2020 if you withdraw 20000 from your 401k -- you will incur a penalty of 10% for early withdrawal. And the 18000 (after penalty) will be counted towards your earning for 2020. You pay taxes for that 18000 @ 10% only. Had you withdrew the 20K staying in the US, this 18000 adds up to your income for 2020 and you end up paying higher tax.  If your employer matches 401k and you are not investing in it - you are saying I DO NOT WANT FREE MONEY & I WANT TO PAY MORE TAX If your employer does not match and you do NOT invest in 401k, make sure your money is growing better than AT LEAST your federal tax bracket rate. If not you better put the money in 401k. Also keep in mind, 401k progresses (or declines) based on your fund selection. Selecting funds with less operational costs, understanding exposure etc are important. If you are not aware talk to a financial advisory. When stock market goes down, your 401k will go down too. But you will have to average over decades but not mere years.   GP Quote Link to comment Share on other sites More sharing options...
Spartan Posted February 28, 2018 Report Share Posted February 28, 2018 1 hour ago, alooparata said: do u continuously monitor your 401k allocations ? yes Quote Link to comment Share on other sites More sharing options...
littlestar Posted February 28, 2018 Report Share Posted February 28, 2018 10 minutes ago, Spartan said: yes Quote Link to comment Share on other sites More sharing options...
AlaElaAlaEla Posted February 28, 2018 Report Share Posted February 28, 2018 2 minutes ago, littlestar said: but why ?? Quote Link to comment Share on other sites More sharing options...
Akkumm_Bakkumm Posted February 28, 2018 Report Share Posted February 28, 2018 50 minutes ago, Kalam_Youtheman said: 25k vested aina.. nee tax poyyii 15k emo vasthundhemo ga if early removal May be anthe kavochu. Kani adi eppudu teyyamun kada. Employer match untundi kabatti taxes poyina a match lo kontha part potundi but ni investment and compound ina interest ithe profit ye kada. Quote Link to comment Share on other sites More sharing options...
Chakram12 Posted February 28, 2018 Report Share Posted February 28, 2018 60K 6% employee contribution 2.5years Quote Link to comment Share on other sites More sharing options...
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