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Investing
5 articles
Every Investing article on techmoneylab
Roth IRA vs Traditional 401k Data: When Each Beats the Other
Run the actual math: marginal tax brackets, employer match, retirement income brackets. The break-even points, and a simple decision framework.
60/40 Portfolio: Allocation Decisions, Bond Risks, and Vanguard Fund Roles
Evaluate a 60/40 allocation using spending needs, bond risks, global diversification, rebalancing, and clearly labeled calculations—not historical return promises.
Dividend Investing vs Total Return — The 30-Year Math That Surprises Most Investors
Dividend ETFs (SCHD, VYM) outperformed the S&P 500 from 2000-2010. They underperformed it from 2010-2024. Here is what the actual data shows about dividend investing vs index funds.
Target-Date Funds — Vanguard, Fidelity, Schwab Glide Path Compared
All three providers offer target-date 2050 funds, but they take different paths to retirement. The 30-year glide path differences cost up to $40,000 in lifetime returns.
Tax-Loss Harvesting — IRS Rules, Wash Sale Math, and Real ROI by Tax Bracket
Tax-loss harvesting adds 0.5-1.0% annually to taxable returns. The 30-day wash sale rule has nuances most articles miss. Here is the rule, ROI math, and when not worth doing.