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Financial Planning / Foolish 401(k)s


Subject:  Re: 401k vs. personal investment Date:  1/6/2013  4:15 AM
Author:  bergmanm Number:  24990 of 25619

Thanks for the detailed reply Acme. I will answer the questions you raised.

1) I don't have the list in front of me now, but there is no Vanguard with low fees. They all charge 1.3+% fees. I choose two, one of them is NBSRX.

2) About 45% tax - I am in California and these are the numbers for me. I went to paycheck calculator and adjusted the deduction until my net gain lowered by the same amount. And I have no discipline issues when it comes to investments.

3) Math in my own investment - You are right the math is not perfect. I had to st