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Traditional or Roth 401(k)

This article applies whether you have a 401k, 403(b), 457, TSP etc.  Part of the decision comes down to your household tax situation both now and what it may be in the future.   Access to 401k If you have a 401k then you automatically have access to the traditional option.  That is the default [...]

By |2020-02-01T07:30:56-06:00February 1st, 2020|Investing, Uncategorized|0 Comments

IPERS Employees: Invest in your RIC 403(b) / 457 OR in an IRA

Anyone who is an IPERS employee in the State of Iowa who is eligible can participate in their provided RIC (Retirement Investors Club).  Education employees have a 403(b) option that you can contribute to. Public and State employees have a 457 option. Depending on where you work you also have the option to contribute to [...]

By |2019-05-06T11:03:44-05:00May 6th, 2019|Investing, Retirement Accounts|0 Comments

IPERS Employees: What to do with your RIC 403(b) / 457 after you leave IPERS Employment

An individual in IPERS covered employment upon retiring or at a different stage in life has a couple of options on what to do with their money. The table above is based on an initial investment of $10,000, over a 50 year time period, with a 10% return.  Your expense is the fee that your [...]

By |2019-05-01T10:47:41-05:00May 1st, 2019|Investing, Retirement Accounts|0 Comments

IPERS Employees: Investments and Fees Inside your 403(b) OR 457/401a

If you read this title and immediately are not sure exactly what I am referring to I will explain.  IPERS employees have a pension plan as many know.  In addition, they have the opportunity to contribute to a retirement account known as RIC (Retirement Investors Club).   Within the RIC you either have a 403(b) [...]

By |2019-04-02T10:47:53-05:00April 2nd, 2019|Investing|0 Comments

The True Effect of Your Investment and Advisory Fees

In this article we are going to be looking at the costs of assets under management fees (AUM) and the investment fees you have owning your investments.  AUM fees are what some advisories charge for managing your assets.  Typically, it is a percentage of your assets that you have with them under management.  Investments [...]

By |2019-04-04T11:11:14-05:00March 29th, 2019|Investing|1 Comment

The Stock Market

When some people hear of the stock market they may cringe, especially with the 21st century market downturns with the tech boom and real estate boom.  The important thing to keep in mind is no one knows what the stock market is going to do tomorrow, next week, next month much less in the [...]

By |2017-05-07T15:59:44-05:00April 15th, 2017|Investing|0 Comments