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 401K ma Kati Pugyo?

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Posted on 08-28-17 12:55 PM     Reply [Subscribe]
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Kaam garna thaleko 8 yrs bhaecha, 401 ma 90k pugecha

Tapai haru ko kati pugyo, share garnuhos. I used to contribute only 4% now 8%.
 
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Posted on 08-28-17 1:04 PM     [Snapshot: 19]     Reply [Subscribe]
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what's the match?
 
Posted on 08-28-17 2:40 PM     [Snapshot: 163]     Reply [Subscribe]
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That's a lot of money ! $90k in 8 years , you did well. Looks like you put in roughly $10k per year and some profit from market . Great, I only have $10k
 
Posted on 08-28-17 3:13 PM     [Snapshot: 196]     Reply [Subscribe]
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typical Nepali talk, how much money you have? what kind of car you drive? what is your immigration status? .. why do you get curious about others.. there are much richer than you and a lot poorer than you.. if you think you are doing fine than you are doing fine
 
Posted on 08-28-17 7:49 PM     [Snapshot: 414]     Reply [Subscribe]
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Mulajasto, I'm trying to compare growth rates here, not trying to size my wealth against others. I live in a small town in Indiana and don't really have many Nepali friends, I'm trying to see if I should contribute more based on replies here. I hope your 401k grows at a 100% , my best wishes.

Anyway, frustu bro, I contributed probably 5k a year but the market has grown a lot in the last 8 years hence the growth. Keep your comments coming guys.
 
Posted on 08-28-17 7:52 PM     [Snapshot: 425]     Reply [Subscribe]
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Oh yeah and the match is 4% to 4%
 
Posted on 08-29-17 5:05 AM     [Snapshot: 608]     Reply [Subscribe]
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401k ma $90k cha bhane bro ko savings account ma Kati ? $200k ?
 
Posted on 08-29-17 9:26 AM     [Snapshot: 733]     Reply [Subscribe]
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No man I put some towards my house, some in lending club (p2p lending about 5% return so far) and rest in betterment.com and FAANG (fb, amzn, aapl, nflx and goog). Still drive a shitty car, wear cheap clothes and eat at mcdonalds/wendys and coupon like hell though.
 
Posted on 08-29-17 9:28 AM     [Snapshot: 734]     Reply [Subscribe]
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How long did it take you to get to 10k?
 
Posted on 08-29-17 9:51 AM     [Snapshot: 766]     Reply [Subscribe]
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Bro asdfgh,
Are you married or single? I trying to plan mine too.
 
Posted on 08-29-17 10:03 AM     [Snapshot: 789]     Reply [Subscribe]
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Married for the last two years. I suggest maxing out your 401k at 16% if you're single because your tax rate is too high. My wife also contributes 12% into her 401k.


 
Posted on 08-29-17 12:12 PM     [Snapshot: 899]     Reply [Subscribe]
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24k in 2 years. match 3% from employer, i do 7% from my end.
Last edited: 29-Aug-17 12:22 PM
Last edited: 29-Aug-17 12:30 PM

 
Posted on 08-29-17 12:38 PM     [Snapshot: 932]     Reply [Subscribe]
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Clueless.. what's 401k? what does matching mean? Am I the only dumb here? :D
 
Posted on 08-29-17 12:58 PM     [Snapshot: 969]     Reply [Subscribe]
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Retiremnet account set up by a private company. If you work as consultant i advise you to get IRA.
 
Posted on 08-29-17 1:29 PM     [Snapshot: 992]     Reply [Subscribe]
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Cybro, thats really good. Everyone's 401 k jumped 20-25% since Trump became prez.
 
Posted on 08-30-17 11:57 PM     [Snapshot: 1425]     Reply [Subscribe]
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I've about ~100K after ~5years. Good 401K match at my firm - Tech firm. Investing mainly in high growth though volatile stocks i must add as well. Well, hoping to ride out the market in terms of fallout or better yet maybe exit my stock positions since the market is at all time high at the moment. Cash or sticking to bond market maybe if i exit my current stock positions.
Last edited: 31-Aug-17 12:15 AM

 
Posted on 08-31-17 11:35 AM     [Snapshot: 1595]     Reply [Subscribe]
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Hey Cybro, how come you have same amount of money as mine in 2 years. I have had it for 4 years and contribution are same as yours 3.5 % + 6 % = 9.5% combined.. are you making double my wage or what?
 
Posted on 08-31-17 11:39 AM     [Snapshot: 1596]     Reply [Subscribe]
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btw, guys yo active vs passive fund kun chahi ramro hola.. active ma 0.38 % charge lido raicha while passive jamma .08%. aba Passive ali safe huncha ani growth tei anusar kam pani huncha.. tara active ali risky with higher gain oppportunity.. which one do you think is better? this rates are for my company.. is it higher or lower compare to yours?
Last edited: 31-Aug-17 11:39 AM

 
Posted on 08-31-17 3:20 PM     [Snapshot: 1703]     Reply [Subscribe]
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I have about 20,000 in 1.5 yrs with 3% match and 3% contribution and investment in high risk portfolio and generous annual profit sharing from company. I know we can draw money before retirement with some penalty and tax payment.
In case of extreme hardship, I have safety net back in Nepal and my prospect of living beyond 70 is very minimal, is it worth accumulating money in 401 K.
Just curious.
Last edited: 31-Aug-17 03:29 PM

 
Posted on 08-31-17 4:36 PM     [Snapshot: 1774]     Reply [Subscribe]
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Yeah kinda sucks you can't take out at an early age without penalty . But you can start taking out at ~60 years of age but that's also too much for Nepalese !

My goal is to take our everything at the age of 45 and go to Nepal and relax for rest of the life . I ain't staying here !
 
Posted on 09-01-17 7:26 AM     [Snapshot: 2012]     Reply [Subscribe]
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Frustu everyone keeps postponing their going back to nepal-for-good till they are old and retired. When you are 45 make sure you post an update
 



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