The Actual Benefit of Front-Loading Your Investments is Smaller Than You’d Think.

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We’re taking a departure from our usual scheduled programming, bringing you a timely guest post from Mike at Married & Harried on the subject of front-loading your investments.

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Do you front-load your retirement accounts? I know PoF does. I’ve considered it since it should provide a boost to my investments given the general trend of a rising market.

My 401k plan allows up to 25% of each paycheck to be directed to a 401k. In order to get all $18,500 (2018 limits) deposited in January, I would need a gross salary of $74,000 per month, or $888,000 per year. I’m not quite there yet.

The other factor is that my company match is based on each pay period. If I don’t contribute, I don’t get a match for the period. My maximum match is 3% to my 6% contribution. I would be giving up a guaranteed 50% return on that money.

The Actual Benefit of Front-Loading Your Investments is Smaller Than You’d Think.

Find out more details anytime by swiping up on this story.

We’re taking a departure from our usual scheduled programming, bringing you a timely guest post from Mike at Married & Harried on the subject of front-loading your investments.

Do you front-load your retirement accounts? I know PoF does. I’ve considered it since it should provide a boost to my investments given the general trend of a rising market.

My 401k plan allows up to 25% of each paycheck to be directed to a 401k. In order to get all $18,500 (2018 limits) deposited in January, I would need a gross salary of $74,000 per month, or $888,000 per year. I’m not quite there yet.

Retirement Account Front-Loading Options

The other factor is that my company match is based on each pay period. If I don’t contribute, I don’t get a match for the period. My maximum match is 3% to my 6% contribution. I would be giving up a guaranteed 50% return on that money.

Read More About Front-Loading Options by Swiping UP Right Here.

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