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URL:  http://boards.fool.com/tstalkin101-if-the-company-matches-a-portion-of-30466222.aspx

Subject:  Re: Exiting 401K..now what? Date:  1/4/2013  12:35 PM
Author:  gdett2 Number:  71199 of 76094

tstalkin101,

If the company matches a portion of her contribution, I would fund it to that level since a 1 to 1 match is a 50% return for the year.

Outside of that you have your trad and Roth IRAs. If she is over the income level for a Roth, a non-deducible contribution to a trad IRA can be made then converted to a Roth. If she has no traditional IRA-type accounts (IRA/SEP/SIMPLE/etc), it can be done without a tax implication.

Talk to a tax person about this before doing it.

Beyond the above, investing in a taxable account can be tax efficient by selecting your investments carefully and not trading in and out a lot.

Gene
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