b****b
发帖数: 199 | 1 I am acutally thinking of getting a certificate in financial planning (CFP). I
found the exam questions are not that hard. I think financial planning becomes
my hobby now.
1) Determine how much you want to save. 10-15k/year sounds like a lot, but
that's less than 10% of your household income. My intuition is that's not
enough given you have 2 kids for college. You can find good online financial
calculators and pluge in the numbers, such as what age you want to retire,
your life expectance, comfo | p****n
发帖数: 2247 | 2 补充一点，12/31/2010之后，529 plan就没有Income Tax-Free的好处了。
除非国会议员们发善心，给这个benefit延期。
这是俺不建议529 plan的原因。
OP的孩子，一个1岁，一个3岁，2010年都不到花钱上学的年龄。
如果真想弄529的话，scholarshare49.com, 01/28之前Enroll，
contribute 100 or more，有$50 的Amazon GC赚。
performence不太清楚，俺没兴趣，没琢磨。
【在 b****b 的大作中提到】
: I am acutally thinking of getting a certificate in financial planning (CFP). I
: found the exam questions are not that hard. I think financial planning becomes
: my hobby now.
: 1) Determine how much you want to save. 10-15k/year sounds like a lot, but
: that's less than 10% of your household income. My intuition is that's not
: enough given you have 2 kids for college. You can find good online financial
: calculators and pluge in the numbers, such as what age you want to retire,
: your life expectance, comfo
| b****b
发帖数: 199 | 3 That's what I would do in most cases. But it still depends. For example, if
your 401K is very good one, with great mutual funds that's closed (e.g. Dodge
& Cox), or with funds of institutional classes (not otherwise accessible, and
low-ER), you may want to keep your 401K. Or, the majority of your 401k is your
company stock that's greatly appreciated, the best solution is to cash out and
pay the penalty plus tax, assuming you have hold that for at least a year.
401K and IRA have the same tax imp | b****b
发帖数: 199 | 4 That's good point. But I am not really concerned. The common opinion on that
is they will mostly likely to extend it (see savingforcollege.com).
Alternatively, open a Coverdale (education) IRA, with maximum $2000/year
contribution, and you can fully be in charge of the investment. But the
disadvantages is that money is considered as the children's assets and will
likely reduce the total amount of kid's financial aid.
(CFP). I
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【在 p****n 的大作中提到】
: 补充一点，12/31/2010之后，529 plan就没有Income Tax-Free的好处了。
: 除非国会议员们发善心，给这个benefit延期。
: 这是俺不建议529 plan的原因。
: OP的孩子，一个1岁，一个3岁，2010年都不到花钱上学的年龄。
: 如果真想弄529的话，scholarshare49.com, 01/28之前Enroll，
: contribute 100 or more，有$50 的Amazon GC赚。
: performence不太清楚，俺没兴趣，没琢磨。
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