Bill Cui

on the atlas — 2

• Prioritizing investments - Bogleheads1 savers
• Traditional versus Roth - Bogleheads1 savers

highlights — 2

• Funding priority Here is a general account funding priority that often works well for many people[1][2][3] (not all points will apply to everyone). Refer to Figure 1. Figure 1. Prioritizing investments Establish an emergency fund to your satisfaction. If you have many other high financial priorities (like paying off high-interest debt), start with a smaller emergency fund, and grow it later over time, as those other priorities are satisfied. Contribute to an employer retirement plan (for example, 401(k) or 403b) enough to get the full employer match (the match is like free money, your best pos…

  Prioritizing investments - Bogleheads

• Results Most investors will find that traditional contributions are better during their normal working career, for two reasons: Retirees usually need lower income than while working to maintain the same standard of living, because they are no longer saving for retirement, expenses for children have ended, the mortgage is probably paid off, many retirees relocate to lower cost-of-living areas, work-related expenses have ended, life and disability insurance are no longer needed, etc. Retirees pay a lower tax rate on the income they do draw, because lower income usually means lower tax rates, man…

  Traditional versus Roth - Bogleheads