Why the 401K is my LAST priority
Автор: Jada Des
Загружено: 2026-01-19
Просмотров: 50
Описание:
In this analysis, I break down why the 401k is currently the lowest priority in my asset allocation strategy. While traditional financial advice suggests blindly contributing to employer-sponsored plans, I evaluate the opportunity cost of locking up capital in pre-tax vehicles versus the flexibility of self-managed accounts.
Key Strategy Points: • Tax Efficiency: Why I prioritize post-tax Roth contributions [00:36] to hedge against future tax rate hikes [04:09]. • Liquidity & Control: The importance of a 3-6 month emergency fund [02:05] in a post-pandemic economy to avoid negative equity traps [03:02]. • Self-Managed Portfolio: Managing my own Roth IRA to eliminate management fees and treat my portfolio with hedge-fund-level aggression [01:29]. • Capital Deployment: Why I prioritize surplus cash for real estate acquisitions over parking it in a 401k [06:07].
#assetallocation #opportunitycost #liquiditymanagement #personalfinance
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