401k lo pette kante..

[pahelwan1]

10 hours ago, Netflixmovieguz said:

Safest bond endii when stock market goes down?

Vanguard

[phatposts]

401k is a tax deferred growth vehicle which works extremely well in your favor. These are retirement planning instruments - which are going to work only if you have a hands free approach. Definition of long term is atleast 15+ years, ideally 25-30 years IMO. 

I think everyone should start investing some amount (at least $300 a month) and see the value of that account in 2-3-5years. Employer match unna, leka poyina kooda 401k lo pettukovali ani nenu beleive chestanu. If you are in a higher tax bracket, 401K and IRA help you adjust the AGI which is of huge help. The money grows tax deferred till you start drawing down after 59.5.

While thinking about these decisions, every Indian I have seen starts comparing to real estate - but no one talks about cash flow and livelihood means after you stop working.

Do you know how much money you will need after 60 to maintain a decent life style?

How much savings will you need to get you that normal lifestyle?

Oka land lo money pedite - adi long term lo cashflow avvadu. Short term appreciation untundi but long term yields undavu. If you invest in land and dont take care of your retirement savings, you have to be a very active investor - buying and selling often but at some point in your life you need to become a passive investor. 

If you want to hear this from a professional - pay a fee for Fee Only financial advisors and schedule a meeting. Make sure these are not insurance sellers, they are very very harmful and hurtful for your money.

Analysis paralysis lo munigipokunda edo okati start cheyyi - 401k, IRA,  direct Index fund advising, robo advisers, S&P 500 ila sachetanni unnayi. 

[TechSri]

8 hours ago, nijamena said:

I mean S&P 500 index funds https://fundresearch.fidelity.com/mutual-funds/summary/315911750

Can we buy this without 401k account. 

[psycopk]

11 hours ago, Sarvapindi said:

real estate lo invest seskodam better aa 401k valla wat advantage..? Withdraw seste penalty untadi kada..tax benefits worth aa va..

Company contribution untadi.. lands houses elagu kontav.. 401k you should have one immediately over period of time it will be your major account

[TechSri]

58 minutes ago, pahelwan1 said:

Vanguard

Vanguard lo enti?

[pahelwan1]

23 minutes ago, TechSri said:

Vanguard lo enti?

S&P 500 etf inkoti total stock market etf untadi 

[quickgun_murugun]

10 hours ago, nijamena said:

I mean S&P 500 index funds https://fundresearch.fidelity.com/mutual-funds/summary/315911750

C Fund ! 

[Spartan]

close all holes and put in 401 or IRA

[Sarvapindi]

19 minutes ago, Spartan said:

close all holes and put in 401 or IRA

Y ba

[Spartan]

4 minutes ago, Sarvapindi said:

Y ba

u cant expect urself doing it job or earning 5k per month at age of55-60 right anduke

[Sarvapindi]

5 minutes ago, Spartan said:

u cant expect urself doing it job or earning 5k per month at age of55-60 right anduke

entha pedithe entha untay after 55 ki..oka example esko

[psycopk]

23 minutes ago, Sarvapindi said:

entha pedithe entha untay after 55 ki..oka example esko

samara.. i understand your anxiety and your analysis... just stop over thinking and start 401k

[JackSeal]

29 minutes ago, Sarvapindi said:

entha pedithe entha untay after 55 ki..oka example esko

See this vlog and reduce anxiety by using kumkumadi tailam 

 

[Pavanonline]

13 hours ago, nijamena said:

Past 64 years S&P 500 beats real estate with huge margin.

 

S&P 500 last 5 years more than double. 

 

Invest your 401k in Index fund and see the magic of compunding.

While this has been historically true, real estate in america is slowing morphing into something like India. 401K still makes sense but investing in both is good.

[godfather03]

1 hour ago, Spartan said:

close all holes and put in 401 or IRA

how are you bro? 401 K lo dentlo ekkuva undali investment lo (6, 7 untay kada)