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Financial Planning / Foolish 401(k)s


Subject:  Re: Roth 401(k) and company match Date:  6/19/2012  4:58 PM
Author:  mday1 Number:  24897 of 26142

Just to follow up, I called Schwab (who manages our 401(k)) and asked.

It turns out I left out an important detail. There's a lot of moving parts here. ;-) The plan also has a self-directed brokerage option where I can buy and sell individual securities, and I've been taking advantage of that (with the help of Stock Advisor and Rule Breakers).

The plan's mutual funds are tracked internally in two "buckets" for pre-tax vs. post-tax contributions and the gains that result from them. In the self-directed brokerage, the pre-tax and post-tax funds are co-mingled, so they keep track of the percentage of each as they flow in or out.

Thanks a bunch to both you and AJ! That was very helpful!

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