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Learning, Sharing, and Teaching => Investor Alley => Topic started by: LearningMustachian72 on June 25, 2019, 12:21:37 PM

Title: 401k Rollover
Post by: LearningMustachian72 on June 25, 2019, 12:21:37 PM

Hey!

Switching jobs and want to rollover my 401k to a traditional IRA for low cost index fund investing.

My options are as follows:

Charles Schwab
90% = Schwab Total Stock Market Index Fund (0.03% Expense)
10% = Schwab International Index Fund (0.06%)

Vanguard
90% = Vanguard Total Stock Market Index Fund (0.04%)
10% = Vanguard Select FundsTotal International Stock Index Admiral (0.11%)

Seems like Schwab is the clear winner for this investment strategy but I am wondering if anyone has any longer term considerations for Schwab vs. Vanguard or other things I should consider?

Thank you in advance!

Title: Re: 401k Rollover
Post by: jinga nation on June 25, 2019, 12:49:18 PM

Maybe this will help:

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&endDate=06%2F24%2F2019&initialAmount=10000&annualOperation=1&annualAdjustment=1000&inflationAdjusted=true&annualPercentage=0.0&frequency=2&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&showYield=false&reinvestDividends=true&benchmark=VFINX&symbol1=VTSAX&allocation1_1=90&symbol2=VTWIX&allocation2_1=10&symbol3=SWTSX&allocation3_2=90&symbol4=SWISX&allocation4_2=10&total1=100&total2=100&total3=0

Title: Re: 401k Rollover
Post by: LearningMustachian72 on June 25, 2019, 01:44:25 PM

I actually found a great article here...

https://mymoneywizard.com/vanguard-vs-charles-schwab/#comment-21195

My question is, would the capital gains tax come into play if I plan to use the Roth conversion ladder in the future?