The Investment Thread

Saint_Ward said

So, a percent of salary that is going towards a 401k (hopefully with a company match) is one factor, but it's not the end of the world if it's low. For me, I'm at 6% (to get the full company match of 3%). And almost every year they give an extra bonus of company stock (they call it equity builder), of like 2% or so in the spring. And of course, someone making 40k/year putting 12% away vs someone making 80k/year putting 7% away.. the second person is putting more actual money away.

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Yep. Companies should be providing a flat $ amount per employee instead of %-based retirement system based on employee contributions.

My employer provides 5% regardless if you contribute or not. I was maxing my 457 prior to buying a home but dropped to 13.7% afterwards. As a Xennial with a decent salary in a HCOL area, 13.7% isn’t enough even with 5% on top of that.

On the investment topic, I wish I never put a penny in international mutual funds. Seeing little to no growth over the last few years compared to US investments is painful given my retirement funds are 15-20% international.