"I will primarily invest in index funds regardless of which choice I end up using. "
Re: LOL.. This is probably why you haven't gotten any responses so far...
Charts? tools? as in the Movie saying> "You don't need No stinking Charts"
Just make up your own..Based upon a $10,000 basis..
or a 1st yr Accounting Major can do that for you as well..( ck your Loacl University ) or Go pay a CPA Guy a couple of Hundred bucks!
and what's a lousy 1% annual fee on Per $10k? A lousy $100/yr?
and with $100k = $1,000 yr?
Don't be a Cheapskate..ie: It's the Penny wise and Dollar Foolish " trick
The Differed program would be my 1st choice, especially at a 35% tax braket..
Differring $3,500 Yr on a per $10k Basis is a No brainer to me.. Expeically over a 20 yr basis..? Compund that out at a 7% apy and see what you come up with vs using $3,500 Yr Less..
And so what if you have to pay 1/3rd in taxes when you take it out., you will will have 2/3rd more !
As for using Index Funds? Maybe.. but If a Bal. Index Port of a 60/40 Mix gives you an ave of 7.7% apy vs some ActiveMangedBal Funds ( AMBF's) give you 11% apy, don't you think your better off in them? ( even look at VWELX or VWINX vs AMBF's like FPACX,OAKBX,PRWCX,PRPFX for Example ) which by-the way are still in the Black as of 7/04.. vs a 60/40 Index port is DWN about -6% Ytd...they got to be feeling really secure being in those Index Funds..LOL
And 3% apy would "only" just about DOUBLE your $ after 20 yrs..
But, seeing as your Ina 35% tax bracket and are a Rich boy, You don't need more $..So, your right, stick to those Index funds that are Lower Fees, Less taxes and Much Lower Rtns, so you won't have to pay more taxes...LOL
Of course, I am just a Retired guy and I am Biased and Advocate AMBF's for most of us Amature Investors..Since I played those indexing games for many-a-yrs..but there wasn't much else when I started out..back in the late 70's -90's ..
ps. If your Insistant on owing Index Funds? Maybe Ask the Indexers at
Bogleheads :: View topic - Asking Portfolio Questions
