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19 Apr '24How Do Microsoft Employees Invest for Retirement? Updated
Continue readingIn unraveling the investment tapestry of Microsoft employees’ retirement portfolios, the Department of Labor (DoL) furnishes crucial insights through the annual filings of Form 5500 by 401(k) plan sponsors, offering a panoramic view into the investment choices shaping their financial futures. Deciphering the Investment Landscape Shares in Microsoft stock (MSFT) stand as a cornerstone […]
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03 Jan '24How to Retire with $10 Million
Continue readingHow realistic is it for a new college graduate to retire with $10 million? Turns out, a million dollars isn’t what it used to be. The movie “How to Marry a Millionaire” was released back in 1953. It seems at that time—70+ years ago—being a millionaire was the epitome of financial success. Yet today, instead […]
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13 Sep '23The ESPP Decision – More Equity?
Continue readingAn employee stock purchase plan (ESPP) is a program offered by a company to its employees to purchase shares of company stock at a discounted price. ESPPs are a popular way for employees to build wealth over time and share in the company’s success. There are two main types of ESPPs: Qualified ESPPs: These plans […]
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19 Jul '23Unique Employee Benefits-Apple, Facebook, Google & Microsoft
Continue readingLarge technology companies in the U.S. offer a range of employee benefits to support workers and maintain a positive environment. Each company’s benefits package includes both standard offerings (health insurance, PTO, etc.) and unique perks. Here are some of the unique employee benefits provided by four of the largest tech employers: Google (Alphabet Inc.) […]
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31 Mar '23RSU Income & Mortgage Qualification
Continue readingWorking for a tech company that uses Restricted Stock Units (RSUs) as compensation can limit your ability to qualify for the home mortgage you might desire. Luckily, more mortgage providers now accept income from RSUs in their qualification calculations, but it may take some advanced planning on your part. More about Equity Compensation at Tech […]
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07 Oct '22Compounding Investment Returns
Continue readingThe stock market is down significantly this year with many tech companies losing over 30%. Against this dismal backdrop, compounding returns and adding to your investment portfolio may not be top-of-mind. Yet it behooves you to keep in mind that U.S. equity markets historically return about 10% per year on average over the long term. […]
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12 Aug '22
How Do Microsoft Employees Invest for Retirement?
Continue readingWe have data to answer this question thanks to the Department of Labor (DoL). 401(k) plan sponsors are required to file Form 5500 with the DoL every year. Form 5500 lists which investments Microsoft 401(k) plan participants have selected for their retirement funds—giving us insight into how Microsoft employees choose to invest for retirement. So, what […]
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31 Jul '20Target Date Retirement Funds
Continue readingThe most common investments in many tech company 401k plans are target date retirement funds. These funds provide employees with exposure to a diversified investment portfolio that systematically shifts out of risky asset classes (like stocks) and into less volatile investments (like bonds) as you get older and closer to retirement. Firms like Amazon.com and […]
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09 Jan '19Are Qualified Opportunity Funds A Good Investment?
Continue readingDo you hold highly appreciated stock that you want to sell, but don’t want to pay the subsequent capital gains tax? If so, there is a new investment option to consider. Investing in a Qualified Opportunity Fund (QOF) allows you to defer federal tax on your capital gains while freeing up the money you initially […]
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25 Sep '18
RSU Income & Mortgage Qualification – 2018
Continue readingWorking for a tech company—like Amazon—that uses Restricted Stock Units (RSUs) as compensation, can limit your ability to qualify for the home mortgage you might desire. Luckily, more mortgage providers now accept income from RSUs in their qualification calculations, but it may take some advanced planning on your part. This change is likely based on […]
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08 Jun '18Statistically Probable Investing
Continue readingWe are often asked, “What’s your investment thesis?” Although various investment approaches impact your accumulation of wealth differently, we don’t believe selecting the “best” investment thesis is the most critical decision. The largest long-term influence on your wealth—unless you are already independently wealthy—is more likely whether you have implemented a disciplined investment plan. Systematic contributions […]
