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11 Oct '22Retirement Spending
Continue readingAre you saving enough for retirement? Can your investments support your retirement spending desires? These are difficult questions to answer. It boils down to how much money you need in retirement to maintain an acceptable lifestyle. Unless you are close to retiring, you likely don’t have a good grasp of your retirement spending needs. How […]
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16 Sep '22Fat FIRE for Tech Workers
Continue readingFor software engineers, coders, hackers and developers working at successful tech firms, the prospect of early retirement may be appealing, but for many, the lifestyle choices required of the FIRE movement are not worth it. For many high-earning tech workers, retiring before the traditional mid-60s retirement age is the plan, but with an elevated standard […]
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19 Aug '22What Do Apple Employees Invest In?
Continue readingAt least for their company sponsored retirement plan, we have the 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 Apple 401(k) plan participants have selected for their retirement funds—giving us insight into […]
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12 Aug '22How 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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10 Oct '21
How Do Amazon Employees Invest For Retirement?
Continue readingThanks to the Department of Labor (DoL), we have data to answer this question. 401(k) plan sponsors are required to file Form 5500 with the DoL every year. Along with other information, Form 5500 lists which investments Amazon 401(k) plan participants have selected for their retirement funds—giving us insight into how Amazon.com employees choose to […]
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02 Feb '21Financial Rubbernecking – Part 3: Retirement Accounts
Continue readingHow do your retirement savings stack up? Are you accumulating retirement assets faster than your peers? This is the third posting in a series exploring these types of questions. (See Part 1 – Income; See Part 2- Net Worth) Every three years I look forward to the latest Federal Reserve Board’s Survey of Consumer Finances […]
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02 Aug '19Roadmap to Retirement: FIRE or FRA
Continue readingA comfortable retirement—with ample assets—is the ultimate savings goal. Sacrifice consumption today so that one day you are financially independent and can retire with a fulsome lifestyle. Early retirement advocates have adopted the acronym FIRE (Financial Independence, Retire Early) as their rallying cry. The FIRE movement largely focuses on limiting expenses—living on a fraction of […]
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10 Oct '18Save Taxes on 401(k) Distributions
Continue readingPreferential Tax Treatment on Company Stock in Your 401(k) If you hold shares of your employer’s stock in your 401(k) account, there is an IRS rule with the potential to significantly reduce your future tax burden. The rule pertains to net unrealized appreciation (NUA). NUA is the difference between the price you originally paid for […]
