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Tingari_xx
Bewarse Legend
Username: Tingari_xx
Post Number: 34972
Registered: 08-2006
Posted From: 205.157.110.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 11:00 am: |
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/nuvvu company change ayithe employer dabbulu nokkesthaaaru OM ba//
u sure? PF laage idi kooda, transfer avutundi
jai akon...jai jayZ..jai jai lilWayne
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Shadow
Bewarse Legend
Username: Shadow
Post Number: 11785
Registered: 05-2008
Posted From: 199.67.131.153
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 10:46 am: |
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Gochi:entha kaavalante antha pettochu parveen baa...satisfaction important
teliyaka cheppava..jokavaa?
2010 ki max limit 16500..(google 410k max contribution 2010)
pullalesh:
check the top 10 holding companies in MF and check the fund's cost ratio, past performance, etc.
make sure to diversify ur portfolio..30%-large caps, 30% mid, 40% index funds, etc depending on ur risk apetite
nenu index funds, emerging markets,large caps,comp common stock lo etta
http://www.sachinandcritics.com/
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Okka_magaadu
Pilla Bewarse
Username: Okka_magaadu
Post Number: 83
Registered: 04-2004
Posted From: 67.98.187.69
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 9:34 am: |
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It is good to invest in 401K even if your are planning to go back to India, provided your employer matches your contribution. Usually employers will match 50% to 100% of your contribution, up to 5% of your salary. Only thing is you should have good mutual funds to invest in. Also, you will be investing over a period of time and it will average out over the period. Vanguard is better than many companies in offering. What you should be looking for in a MF is for low Expense ratio of a mutual fund. One good fund is VWINX, which has ***** rating. When you go to India you don'e have to take every thing in one lumpsum, you can spread it over years, so that you pay only the penalty which is 10%, like taking 20,000 an year. |
Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18514
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:51 am: |
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Stylestar:konni companies rule pedhathayi.. the company match cannot be vested upto three years ani.. ante three years dhaka akkada lekapothe adhi nee account lo add avvavu..
i think we dont have anything like that
???
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Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18513
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:51 am: |
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Praveen:nuvvu company change ayithe employer dabbulu nokkesthaaaru OM ba
malli idokati vundaa... na 401K money antha vanguard ane company handle chestaadi.. so is it fine.. and also, as it if FT job, near future lo job mare aalochana ledu
???
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Stylestar
Yavvanam Kaatesina Bewarse
Username: Stylestar
Post Number: 1330
Registered: 01-2009
Posted From: 65.206.96.254
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:49 am: |
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Onlymovies:what is vesting limit?
konni companies rule pedhathayi.. the company match cannot be vested upto three years ani.. ante three years dhaka akkada lekapothe adhi nee account lo add avvavu.. |
Praveen
Celebrity Bewarse
Username: Praveen
Post Number: 5698
Registered: 03-2004
Posted From: 65.198.163.148
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:48 am: |
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nuvvu company change ayithe employer dabbulu nokkesthaaaru OM ba |
Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18511
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:47 am: |
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Stylestar:vesting limit lekapothe use chesuko
what is vesting limit?
???
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Stylestar
Yavvanam Kaatesina Bewarse
Username: Stylestar
Post Number: 1328
Registered: 01-2009
Posted From: 65.206.96.254
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:42 am: |
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Onlymovies:vundi, 4%,
vesting limit lekapothe use chesuko.. oorike vache money ni pogutukuntamu endhuku.. |
Praveen
Celebrity Bewarse
Username: Praveen
Post Number: 5694
Registered: 03-2004
Posted From: 65.198.163.148
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:41 am: |
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penalty and tax kanna mee company matchng contribution ekkuva untundemo kada
so u will be in gain only |
Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18510
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:40 am: |
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Praveen:OM baa mee company lo matching ledhaa?
vundi, 4%, but nenu retire ayyevaraku ikkada vundanu.. so penalty and tax kattalante vesi wastemo ani anipistundi..
???
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Praveen
Celebrity Bewarse
Username: Praveen
Post Number: 5692
Registered: 03-2004
Posted From: 65.198.163.148
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:39 am: |
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OM baa mee company lo matching ledhaa? |
Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18509
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:39 am: |
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Stylestar:match unte miss avaku.. contribute atleast upto their match..
naaku match vundi, 5% ki vaadu 4% chestaadu..
???
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Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18508
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:39 am: |
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Stylestar:YES
so peekeyyamantava 401,
nenu kotha company lo join ayyi, 1 month ayyindi.
1 st pay check, with Roth 401K 5% select chesaanu..
last week, 401k ki 5% and Roth ki 5% pettanu,
so peekeyyatam better emo anipistundi, atleast 200 cash extra vastundi kada..
???
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Stylestar
Yavvanam Kaatesina Bewarse
Username: Stylestar
Post Number: 1327
Registered: 01-2009
Posted From: 65.206.96.254
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:38 am: |
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Praveen:company contribution undhi first 5% total match and next is 50% edho ani
match unte miss avaku.. contribute atleast upto their match.. |
Praveen
Celebrity Bewarse
Username: Praveen
Post Number: 5690
Registered: 03-2004
Posted From: 65.198.163.148
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:35 am: |
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thanks SS bedaru
i will think on it over weekend and decide
company contribution undhi first 5% total match and next is 50% edho ani |
Stylestar
Yavvanam Kaatesina Bewarse
Username: Stylestar
Post Number: 1325
Registered: 01-2009
Posted From: 65.206.96.254
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:34 am: |
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Onlymovies:so 401 kooda pedda use emi ledu.. (especially, who do not wish to retire in US)
YES.. |
Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18506
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:22 am: |
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Stylestar:Roth.. you are already putting after-tax.. and you have to pay tax and penalty over the income it generates.. so it is better to do stocks so that you will be paying only tax..
cheppanu ga ba.. 401K kuda guarantee ledhu ani.
so 401 kooda pedda use emi ledu.. (especially, who do not wish to retire in US)
???
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Stylestar
Yavvanam Kaatesina Bewarse
Username: Stylestar
Post Number: 1320
Registered: 01-2009
Posted From: 65.206.96.254
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:15 am: |
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Onlymovies:So, Roth kooda no useaa? for US leaving people.
Long term lo kooda same problem vundachu kada.. i mean, suppose i m going to retire here, on my retirement time, recession vaste appudu kooda naa dabbulu poyinatte kada..
Roth.. you are already putting after-tax.. and you have to pay tax and penalty over the income it generates.. so it is better to do stocks so that you will be paying only tax..
cheppanu ga ba.. 401K kuda guarantee ledhu ani. |
Vamsea
Yavvanam Kaatesina Bewarse
Username: Vamsea
Post Number: 2335
Registered: 06-2004
Posted From: 67.60.219.196
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:06 am: |
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ROTH IRA is better than traditional 401k. as 401k contributions are tax deductible up to $5000( varies each yr), if you happen take money out of your 401k before you reach certain age like 60, it will be taxed heavily.
http://www.investopedia.com/articles/retirement/03/012203.asp
dave thaatha articles chaalaa vunnayi retirement meeda
http://www.daveramsey.com/article/roth-ira-101/lifeandmoney_investing/ |
Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18499
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 8:01 am: |
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Stylestar:
So, Roth kooda no useaa? for US leaving people.
Long term lo kooda same problem vundachu kada.. i mean, suppose i m going to retire here, on my retirement time, recession vaste appudu kooda naa dabbulu poyinatte kada..
???
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Stylestar
Yavvanam Kaatesina Bewarse
Username: Stylestar
Post Number: 1311
Registered: 01-2009
Posted From: 65.206.96.254
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 7:59 am: |
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Onlymovies:what about them, who wants to go back in few years, Roth better aa leka normal 401K?
if you are planning to go back.. then it is not a good option... you have to pay the tax + 10% penalty.. also what if market is in bad shape when you are leaving..
this is for long term when you want to retire here.. also 401K is not guaranteed since it depends on the market..
monna recession appudu lot of people lost thei hard earn money.. 30 years ga cherchukuna money 40 to 50% padipoyindhi.. it will not bounce back that soon.. so it also depends on our fate.. |
Onlymovies
Bewarse Legend
Username: Onlymovies
Post Number: 18494
Registered: 01-2009
Posted From: 199.173.224.32
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 7:40 am: |
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Stylestar:if you are planning to stay and retire here in US.. it is better to contribute as much you can
what about them, who wants to go back in few years, Roth better aa leka normal 401K?
???
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Proofdada
Bewarse Legend
Username: Proofdada
Post Number: 87690
Registered: 03-2004
Posted From: 85.125.191.204
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 7:33 am: |
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mfs manaku theldu bayya...perf encouraginga leedhu antunnaru US varaku...
oka GaaliJ, oka Yeesu, oka Geddam
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Codes
Bewarse Legend
Username: Codes
Post Number: 57991
Registered: 05-2006
Posted From: 212.60.115.186
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 7:23 am: |
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Praveen:but MFs unnai maname choose chesukovaali antunnaru
koddiga research cheste betteru.. past performance , allocation etc..
more help contact PD mama..
Compare for understanding, not for judgement.
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Stylestar
Yavvanam Kaatesina Bewarse
Username: Stylestar
Post Number: 1310
Registered: 01-2009
Posted From: 65.206.96.254
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 7:22 am: |
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Tingari_xx:nenu edo default di enrol ayyanu,
nenu anthe ba.. |
Stylestar
Yavvanam Kaatesina Bewarse
Username: Stylestar
Post Number: 1309
Registered: 01-2009
Posted From: 65.206.96.254
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, September 24, 2010 - 7:21 am: |
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Praveen:asalu idhi elaa modhalu pettaali?
first thing is do your company matches your contribution?
ex: if they match upto 4%.. then you put 4%.. if they say 50% of your contribution upto 4% then you put 8%. If they.. do not miss it. Atleast contribute what they match..
i think you can contribute upto $16K per year.. and increase every year..
if you are planning to stay and retire here in US.. it is better to contribute as much you can.. SS meedha elagu nammakamu ledhu.. you need money when you retire.. also think about medical expenses when we retire..
inka MF.. unless you are good at montitoring and changing based on the market go with conservative plans.. you can check with your provider..
if you are not HCE you can also lookat Roth IRA.. you will be contributing after tax money but you do not have to pay the tax on the income it generates when you retire.. also you can take out your post-tax contribution any time you want.. |
Tingari_xx
Bewarse Legend
Username: Tingari_xx
Post Number: 34945
Registered: 08-2006
Posted From: 76.109.130.86
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, September 23, 2010 - 9:25 pm: |
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nenu edo default di enrol ayyanu, entha vundo bhi telvad...3 years ga nadustondi
jai akon...jai jayZ..jai jai lilWayne
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Gochi
Bewarse Legend
Username: Gochi
Post Number: 69762
Registered: 07-2004
Posted From: 24.229.138.244
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, September 23, 2010 - 9:23 pm: |
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Praveen:month ki entha pettavvochu gochesh
entha kaavalante antha pettochu parveen baa...satisfaction important
 |
Praveen
Celebrity Bewarse
Username: Praveen
Post Number: 5688
Registered: 03-2004
Posted From: 70.251.54.250
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, September 23, 2010 - 9:18 pm: |
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month ki entha pattivvochu gochesh |
Praveen
Celebrity Bewarse
Username: Praveen
Post Number: 5687
Registered: 03-2004
Posted From: 70.251.54.250
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, September 23, 2010 - 9:18 pm: |
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mutual funds gochesh |
Gochi
Bewarse Legend
Username: Gochi
Post Number: 69760
Registered: 07-2004
Posted From: 24.229.138.244
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, September 23, 2010 - 9:17 pm: |
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Praveen:but MFs unnai maname choose chesukovaali antunnaru
MF ante enti
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Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 33603
Registered: 05-2004
Posted From: 98.243.24.34
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, September 23, 2010 - 9:08 pm: |
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kallu moosukoni unna list lonchi eseyyatame
SPB and Kishore Kumar are my two ears
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Praveen
Celebrity Bewarse
Username: Praveen
Post Number: 5682
Registered: 03-2004
Posted From: 70.251.54.250
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, September 23, 2010 - 9:03 pm: |
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asalu idhi elaa modhalu pettaali?
edho form ichi sign cheyymannaru HR..but MFs unnai maname choose chesukovaali antunnaru
help pls
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