A first practical flaw which you can almost miss if you’re looking for a good investment strategy…. It helps to ensure that articles appear as portions of a cohesive whole. This episode of the podcast is hosted by Jon Luskin, CFP®, a long-time Boglehead and financial planner. Active managers want your money - our. Withdrawal = P X Balance. Active managers want your money - our. [1] At year end 2016, SIMPLE IRAs held approximately $106 billion dollars of assets. This article contains details specific to non-US investors. There is no guarantee it will start to work now. " Taylor is remarkably well informed after having spent most of his 96 years in the real world of. Bogleheads generally accept that the best portfolios use passive management, low costs, wide diversification and aim for tax efficiency. Because emotions and subsequent behavioral pitfalls often lead to. In practice, a deferred purchase of the maximum annual amount will amount to less than $100 of extra interest. Location: 27,000 light years from the Galactic Center of the Milky Way Galaxy (the suburbs) Re: Everything in Vanguard? by minesweep » Fri Mar 31, 2023 9:06 pm. In addition, you might have to pay taxes on any benefits the policy pays above costs that pay for care. The index of 500 stocks was introduced in 1957. John Bogle's articles and speeches are also indexed on our. Hi. Your domicile is usually the. ↑ Bodie, Merton (2000). One gentle reminder, be careful to avoid creating more maintenance work through instruction creep. A fixed asset. On January 1st, 2013, the balance would have been $6,500 = $5,000 + 10% interest + $1,000. I've rounded the numbers to make it easier to figure. This is a simple strategy - spend less than you. From Bogleheads. The spreadsheet is no longer maintained by Simba, but other forum members continue to. [note 1] A well-managed index fund gives investors a simple way to invest with low costs, better tax efficiency, style consistency, and lower. The funds offered in your employer's plan are good funds with low expense ratios. The Netherlands is one of the few countries that has both an estate tax treaty and a withholding tax treaty with the US, and an active FATCA agreement. This article contains details specific to United States (US) investors. Our family makes a combined income of $240,000 and around 10,000 additional income from assets like stocks. It was invented by a person or group using the alias Satoshi Nakamoto, and released as open-source software in 2009. Free medallion signature pope certified wax diplomas. The following outline is provided as a topical overview of asset classes: The three main asset classes are stocks, bonds, and cash . S. [3] Fidelity is sometimes credited with transforming the mutual fund business from a stodgy. There are too many choices! I have $50,000 and thinking purchasing 5 funds at $10,000 each. by allovertheplace » Fri Nov 24, 2023 1:37 am. In the U. The Bogle Center uses its "Bogleheads" trademark to help build a world of well. Maturity date: the date at which the bond principal will be repaid. Calculating personal returns. View history. That’s because most creditors need to see your credit report before they approve a new account. Registration and reception began at 2 PM on Thursday, October 15, 2015 and and the reunion concluded at noon on Saturday, October 18, 2015. by gotoparks » Sat Jun 17, 2023 10:35 am. Prentice-Hall. Age 71 or over – $4,550. Bogleheads emphasize regular. Joined: Sun Mar 16, 2014 7:43 pm. To help you find your way around this world of knowledge, the wiki has a number of pages that organize its contents. From Bogleheads. Wiki page creation (May 13, 2022 - May 13, 2023) ChatGPT in the Bogleheads forum (March 28, 2023) Suggested reading (March 21, 2023) Taxable equivalent yield (February 7, 2023) Taxable equivalent yield (math) (February 7, 2023) UK abbreviations and acronyms (January 15, 2023) Bogleheads investing philosophy - video online course (December 12, 2022) Investing in actively managed funds. From Bogleheads. Vanguard's investment philosophy is explained in the following from the Vanguard US website: Create clear, appropriate. FiveK. These principles are the results of Nobel. The wiki contains information on all sorts of subjects connected to financial matters. Treasury securities are backed by the full faith and credit of the US government, and are available in two types: marketable and nonmarketable. The Bogleheads are a group of like-minded individual. View history. 7% cash (for investing – do not include emergency funds). View history. It does not apply to non-US investors. " This rule has been an issue for those receiving. QCD is that at one level, a donation to a DAF has a maximum percent of AGI that can be deducted in the current year. It is a technique to overcome fear in investing by mitigating the risk of loss. It models the most common financial aspects of a retiree and their spouse's lives, including pensions, Social Security benefits, living expenses, IRA Required Minimum Distributions, purchase of an annuity, sale of a house, and. $500 / $10 per share = 50 additional shares. A technical deep-dive intended for investing researchers who understand the concept of leveraged funds and the risks involved. 401 (k) From Bogleheads. Little Book of Common Sense Investing. Events. Straight Line: A straight line glide path takes a steady, linear approach that gradually reduces the equity weighting of the portfolio over time. The Retiree Portfolio Model is a downloadable Excel spreadsheet created by a retiree for retirees. Straight Line: A straight line glide path takes a steady, linear approach that gradually reduces the equity weighting of the portfolio over time. Jack founded Vanguard and pioneered. " Jack Bogle calls Taylor "King of the Bogleheads. 2. Investment Advisers (IA) [note 1] are people or firms who are paid to give advice on investing in securities such as stocks, bonds, mutual funds, or exchange-traded funds (ETFs). The SIMPLE (Savings Incentive Match Plan for Employees) IRA was established in 1996 by the Small Business Job Protection Act. Social Security: member contributions contains a list of calculators submitted by Bogleheads forum members. Efficient Frontier. I gradually figured out that the excess return earned from the process was a function of asset class volatility, correlation, and return—precisely the same inputs. Below is a brief summary of Top 10 Ways to Prepare for Retirement . Then you would pay $300 on the $1,000 extra capital gains. S&P Indices Versus Active (SPIVA®) measures the performance of actively managed funds against their relevant S&P index benchmarks. The Federal Thrift Savings Plan (TSP) is a retirement savings plan for civilian and military employees of the United States Government. When costs get down to a certain level, other things matter more. These funds are structured as funds-of-funds, and charge only weighted averages of the. This article contains details specific to United States (US) investors. The John C. tools/saving - tool to Prioritize Investments (per bogleheads wiki) by Affable at 50 » Sat Dec 31, 2022 11:01 pm. If you work for a state or local government or for a tax-exempt organization, you may be able to participate in a section 457 deferred compensation plan. ETFs have a creation and. It suggests some approaches and funds that you can use to invest in a similar way to that outlined in the Bogleheads' Guide To Investing. Slice and dice refers to dividing allocations within a given unitary asset class, such as stocks. stocks, selected and monitored by Standard and Poors. The major factors in deciding between owning individual bonds versus a bond fund are: diversification, convenience, costs, and control over maturity, which are described below. Bank of Ireland 365 Monthly: 1. For every $1 of relevant income above the upper bases, 85 cents of your Social Security benefits become taxable, up to a total taxable amount of 85% of your benefits. Bogleheads forum post: "Re: Bookmarklet to lookup selected word in wiki's abbreviation table", LadyGeek. The investment plan should document the medium-term goals (like a new car, a home purchase, starting a business and education expenses for children. Welcome to the Bogleheads® personal finance planning start-up kit . Bogleheads author Larry Swedroe suggests that tilting to stocks with higher expected returns, such as small-cap and value, can allow the investor reduce overall equity exposure while maintaining the same expected return for the portfolio. There is a common belief (promoted by Suze Orman, among others) that owning individual bonds is less risky than a bond fund, but this is not. This article contains details specific to United States (US) investors. Although they are simple, following them is not always easy. I just didn't know if it was necessary. You have $829 after tax, just as if you. Risk tolerance is your emotional and psychological ability to endure investment losses during large market. The following outline is provided as a topical overview of retirement planning: Retirement planning involves saving for retirement, primarily by means of employer provided plans and personal retirement savings plans. Vanguard is now the world’s largest fund company, with more than 20 million investors, 175 U. Risk tolerance is your emotional and psychological ability to endure investment losses during large market. [1] Major brokerages such as Fidelity, Schwab and. A capital gains distribution occurs when mutual funds, closed-end funds, and exchange-traded funds (ETFs) distribute the capital gains realized in their investment portfolios to shareholders. The payments from fixed income annuities discussed here, unless they are graded, or inflation-indexed, will remain fixed over the distribution period. He also regularly contributes to the Bogleheads. An individual retirement arrangement, or IRA, is a personal savings plan which allows you to set aside money for retirement, while offering you tax advantages. 44. While reading the bogleheads wiki referenced above, we find the following US citizens and US permanent residents (green card holders) living in the UK can hold these funds without running into problems with the US's harsh Passive foreign investment company (PFIC) tax regime, and also without running into higher UK tax because they. Live Below Your Means. A charitable gift annuity is an instrument designed to allow an individual to make a gift to a favorite charity and still receive an income from the gifted capital. View history. Tax-advantaged account, such as 401 (k) $5,000 money market fund <- emergency fund. EE Bonds issued after May 2005 earn a fixed rate of. Ireland domiciled ETFs insulate you from US estate taxes of up to 40% of the balance of US situated assets above $60,000. The personal finance articles cover topics such as budgeting, loan management, insurance, charitable contributions, and tax basics. This amount is also the Survivor benefit for the widow in the couple once one of you passes. So strive to make the maximum annual employee deferral to your 401k account, which is $22. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. Real estate investment trusts were created from a law that Congress enacted in 1960 [note 1] to. This article contains details specific to United States (US) investors. (Regularly updated with up-to-date versions). It does not apply to non-US investors. We also host John Bogle's many speeches and videos, including published papers and other works. Withdrawals are scheduled to grow 1% per year, rising to $54,325 at age 100. Establishing a high rate of contributions should be your greater concern at this point, at age 28. This page is intended as a centralized resource for finding wiki pages that include some sort of template. Most customers of failed brokerage. I was expecting it to be more like $45. —For purposes of this subsection, the term “modified adjusted gross income” means adjusted gross income (as defined in section 62 of the Internal Revenue. After breakfast on Thursday morning, John Bogle and Dr. View history. Most everybody fails to get the approach to work (at least in relative terms). The Bogleheads' Guide to Retirement Planning. Getting historical U. Agency bonds, IIRC, are not deductible on state taxes, whereas treasuries generally are, so buyers in high-tax states like New York and California will prefer treasuries, and accept somewhat lower yield on a treasury versus a similar agency. Read More. ; ↑ Discounting translates the future income amount to an equivalent amount of income today. On the other hand, a QCD is limited to $100K per year per person. Taxable. The following outline is provided as a topical overview of bonds: A bond is a debt investment. DTot = Dual Budget, total spending only. Therefore, net of accumulated dividends in the fund, your fund is worth $10 per share. It does not apply to non-US investors. This asset allocation will be used in the next three sample portfolios. 6. Fidelity: one stop shop contains a summary of Bogleheads forum topic "Fidelity as a one stop shop", which provides details about using Fidelity for all banking and investment needs. Rebalancing brings a portfolio that has deviated away from its target asset allocation back into line. Core Four portfolios- 2021 update. Laddering is a technique of holding bonds or CDs of different maturity dates in a portfolio in order to balance high yield and liquidity. This is the first year in a long time that we are planning to itemize. For example, there is an entirely separate Wiki available specifically for Bogleheads investing from Canada. This wiki is a reference resource for investors. From Bogleheads. IRA. We help you make good financial decisions by tuning out the noise and focusing on just a handful of simple, core principles that have proved successful over time. Fund A was worth $250/share. Premiums for non-tax-qualified long-term care policies are not tax deductible. ↑ Comparing Investments, Fundamental Property #1, in the wiki; ↑. Tax-efficient fund placement is an issue facing investors holding assets in multiple accounts, both tax-advantaged and taxable accounts. Ireland domiciled ETFs can benefit from the US/Ireland tax treaty rate of 15% on dividends and 0% on interest paid to Irish corporations, [2] instead of 30% for US nonresident aliens in countries without a US tax treaty. Wiki page creation (May 13, 2022 - May 13, 2023) ChatGPT in the Bogleheads forum (March 28, 2023) Suggested reading (March 21, 2023) Taxable equivalent yield (February 7, 2023) Taxable equivalent yield (math) (February 7, 2023) UK abbreviations and acronyms (January 15, 2023) Bogleheads investing philosophy -. TD Ameritrade is a large online broker that originated from the merger of Ameritrade Holding Corporation and TD Waterhouse USA. [6] The John C. Let's say you need $5,000 in emergency. [note 1] Ideally you build your emergency fund at the same time. Its name comes from section 401 (k) of the Internal Revenue Code [1] which defines it. . The I fund is an international developed market stock collective investment trust. His work has since inspired others to get the most out of their long-term stock and bond investments by indexing. 56% = $1,000 * 6% / $700. The Bogleheads are a group of like-minded individual. From Bogleheads. Outline of bonds. The Retiree Portfolio Model is a downloadable Excel spreadsheet created by a retiree for retirees. Ireland domiciled ETFs insulate you from US estate taxes of up to 40% of the balance of US situated assets above $60,000. It was purchased by Schwab in 2020 and accounts will be migrated to Schwab in 2023. Treat it as your own IRA by designating yourself as the account owner. Other types include closed-end funds and unit investment trusts. [note 6] Whether you should retain a financial planner for a long time, or do your own investing using the Bogleheads investment philosophy or similar, is a personal choice. If you have not already, visit the getting started page for non-US investors, which will introduce you to non-US investing and help you find the right starting point for exploring. For a stock fund, the yield is based on the dividend yield, less expenses. Withdrawals are scheduled to fall 1% per year, declining to $35,959 at age 100. Re: Money Market Mutual Funds vs Bond Funds. org reading list author. [1] [note 1] Determining which mix of assets to hold in a portfolio is a personal choice. We are part of his campaign "to give ordinary investors a fair shake. However, other considerations such as emotional, environmental, and flexibility can sometimes outweigh decisions that may not be financially justified. 1. Taxation of investments by Belgium. It shows what it costs the investment firm to operate the fund. If you have not already done so, visit the Getting started page. dollar, or used to purchase goods or services,. Sunk costs are a fallacy. A three-fund portfoliois a portfolio which uses only basic asset classes — usually a domestic stock "total market" index fund, an international stock "total market" index fund and a bond "total market" index fund. — Bogleheads' Guide To Investing. All wiki editors are welcome to edit this page. Unlike a flexible spending account, unused money remains in the account and can be invested; most accounts offer either mutual funds or brokerage accounts for investing. It does not apply to non-US investors. From Bogleheads. In 2009, half of homeowners 62 or older had 55% or more of their net worth in home equity. Unlike a flexible spending account, unused money remains in the account and can be invested; most accounts offer either mutual funds or brokerage accounts for investing. This article contains details specific to United States (US) investors . Treat it as your own by rolling it over into your traditional IRA, or to the extent it is taxable, into a: 3. It combines the best ideas of the constant-dollar, constant-percentage, and 1/N withdrawal methods to allow the retiree to spend most of the. If you are a US citizen or resident alien, the rules. It is not intended for United States (US) investors, or for US citizens and US permanent residents (green card holders) living outside the US. The fund's. Chart 1 shows a sample portfolio of $100,000 with an asset allocation of 70% stocks and 30% bonds. From Bogleheads. The article illustrates two asset allocation plans using a 60% / 40% stock to bond allocation: For total market investors: A three-fund indexed portfolio; For multifactor ( "slice and. Welcome to the Bogleheads® personal finance planning start-up kit . To construct a three-fund portfolio using ETFs at Fidelity, you'd probably use iShares ETFs -- but there's nothing stopping you from holding Vanguard ETFs at Fidelity. Understanding and avoiding behavioral pitfalls has a greater final impact on your investing success than any other factor. The Roth conversion has a 1. Like the three fund portfolio, but with a few more funds. 529 plans are termed "qualified tuition plans" by the IRS, which authorized the plans in 1996 in Section 529 of the. Financial planning covers day-to-day. It is not intended for non-US investors. Our History. McGraw-Hill. The allocation is further divided into the following three asset classes : 50% US stocks. Most contain a small number of low-cost funds that are easy to rebalance. In this post Barry Barnitz reveals his testing of a forum wiki. [1] and offered its first mutual fund, T. A Dual Budget model is a direct extension of the Bottom-up model, and incorporates two total spending estimates. The tool has a lot of potential and you’re off to great start. A fund's domicile can affect its tax and. The current yield formula is: Current Yield = Annual dollar coupon interest / Price. Taylor Larimore. (A) In general. If the benefits start at an earlier age, they are. Those who are new to the concept are often overwhelmed by the complexity involved in maintaining such a portfolio. It takes planning and commitment and, yes, money. Bogleheads Hall of Fame. From Bogleheads. That is $1800 a year. [1]. Taxation as a US person living abroad involves special considerations for individual taxpayers. Exchange-traded funds (ETFs) and mutual funds are two different investment products that you can use to hold a diversified portfolio of stocks, bonds or other assets. Bogle wrote several investing books, and after retiring from the Vanguard Group in 2000, worked tirelessly as an investor advocate. They started writing a Proposal For The Creation of a Forum Wiki [3] on April 24, 2008, and. Eve Sherrerd. Jack founded Vanguard and pioneered indexed mutual funds. It does not apply to non-US investors. Common Sense on Mutual Funds: New Imperatives for the Intelligent Investor. Many newcomers find that a good way to begin is by reading these Wiki articles: Getting Started and the Bogleheads' investment philosophy. 6 hours ago · BCBS Premium for self only in 2024 is $207. Contributing to a wiki would help many of us crystallize our investing thoughts, and we could link to it extensively in answering newbie questions. Outline of asset classes. Our goal is to create a growing knowledge base of financial subjects that furthers the. Your current marginal tax rate is 12%, and your expected marginal tax rate at withdrawal is 18. For you, holding US domiciled funds or ETFs is one of very few viable routes to index investing. John Bogle era (1975–1996) The Vanguard Group was an outcome of a 1974 corporate struggle at the Wellington Management Company that resulted in the firing of Wellington's CEO, John Bogle. Bogle (1929 - 2019). (Redirected from SEC Yield) The SEC yield of a fund is a standardized calculation of the fund's yield; this allows investors to compare funds from different issuers. Their FRA was 66 and 4 months. Bogleheads: I have updated my Three-Fund Portfolio post to include the recent addition of 2021 returns for each of the three funds. Mid cap stocks have a market cap between $2 billion and $10 billion. Find start-up kits for personal finance, investing, and retirement planning, as well as links to other resources and tips. While the choices for mutual funds depend on the brokerage you use, most modern brokerages offer access to low-cost index mutual funds, and commission-free access to all ETFs. For information on how to ask for. From Bogleheads. . Outline of academics. Vanguard and TIAA-CREF take this approach. It is similar to a 401 (k) in that it is a defined contribution plan that is. Those just starting out may first want to view Video:Bogleheads® investment philosophy which is intended as an introductory tutorial. An exchange-traded fund, or ETF, is a registered investment company. S. Multiply each category's percentage of total spending by the category inflation rate. STot = Single Budget, total spending only. Some of the portfolios (Coffeehouse and Coward’s) are designed as 60/40 stock/bond portfolios. For topics organised as series of frequently asked questions (FAQs), see: Non-US frequently asked questions. Children. S. Fidelity Investments, commonly referred to as Fidelity, earlier as Fidelity Management & Research (FMR), is a giant Boston-based mutual fund company and financial supermarket, and Vanguard's biggest competitor in recent years. 2. S. (Wikipedia is experimenting with a new user interface ("skin") which will be incorporated into a future MediaWiki release. The rules, and even the availability, for this sub-account may vary considerably from one company to another. The process of matching strategies allows an investor planning for retirement to meet specific financial targets with near certainty. Contribute to your employer’s retirement savings plan. Treasury. 1 day ago · Need Recommendations. Pfau is the author/coauthor of numerous studies centering on retirement planning. John Bogle. When taxable income is close to a tax bracket boundary, one could choose to make traditional contributions until the marginal rate drops, then use Roth for further contributions. [1] The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. Current retirement assets. If withdrawals are to start this year, the formula needs. September 3, 2020 - Create a bookmark using the javascript described in the topic. The initial face value of most bonds is $1,000. by mhalley » Sun Oct 01, 2023 4:27 am. An Investment policy statement (IPS) is a statement that defines your general investment goals and objectives. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. [6]The John C. 1. In 2014, Alice and Bob were in the 25% tax bracket (15% long term capital gains tax) and sold their shares. Choose an inflation rate for each category. Fund summary. Variable percentage withdrawal (VPW) is a method which adapts portfolio withdrawal amounts to the retiree's retirement horizon, asset allocation, and portfolio returns during retirement. John C. They represent grok87's own opinions. I also created Category:Bogleheads university so we'll have this ready for next. When buying fixed-income securities ( Treasury bonds, in-state and out-of-state municipal bonds, corporate bonds, certificate of deposits (CD), etc) or bond or money market funds in taxable accounts, you. Outline of financial planning. Second, then when Roth IRAs existed folks who contributed to 401 (k)s and 403 (b)s with high enough income could not contribute, so traditional IRA was the default decision. taxes and $70 in foreign withholding. The page is now "live" in the wiki. How it works. It is also generally governed by Title. Accumulation-dynamic decumulation. This is the only time you can use the April 1 extension. Location: Cleveland, OH. Bob incurred triple the taxes on the same capital gain by not tax-gain harvesting. From Bogleheads. There is a common belief (promoted by Suze Orman, among others) that owning individual bonds is less risky than a bond fund, but this is not necessarily. From Bogleheads. At 71 I was thinking of Vanguard Lifestyle funds and Vanguard sector funds?ISBN. The Bogleheads approach to developing a workable financial plan is to have a sensible household budget - one that provides for needed expenditures, discretionary pleasures, savings for big ticket items, and savings for long term retirement planning. Bernstein, Ph. [note 1] Treasury bills are sold at regular auctions, where institutional investors bid on the prices. 22/ounce - that persists to the. S. Zero-coupon bonds or “zeros” result from the separation of coupons from the body of a security. View history. From Bogleheads. If her benefit at age 62 would be $800 a month ($9,600 a year), she would get to keep none of her social security if she makes $33,360 ($19,200 over the limit - benefits reduced by $9,600). Joined: Mon Mar 30, 2015 10:54 am. , is a bogleheads. A reverse mortgage allows homeowners 62 and older to withdraw a portion of home equity as income or a line of credit without selling the home or making monthly payments. N/A = Calculator does not let the user. The Securities Investor Protection Corporation (SIPC) protects against the loss of cash and securities – such as stocks, bonds, and mutual funds – held by a customer at a financially-troubled SIPC-member brokerage firm. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) Community; ↳ Personal Consumer Issues; ↳ Local Chapters and Bogleheads Community; ↳ US Chapters; ↳ Wiki and Reference Library; ↳. The Bogleheads. This wiki section provides a clear and logical path for any EU investor who is new to Boglehead investing, one that avoids some well known pitfalls. William Bernstein on TIPS, asset allocation, and four deep risks, host Rick Ferri (29 October 2023) Dr. If you use specific identification, you can choose to sell the shares bought last year, which have a basis of $40 a share, so your taxable capital gain is zero. Bogleheads on Investing podcast RSS feed. Fidelity Investments is the marketing name for FMR LLC, a giant Boston-based investment. But little costs don't matter a lot. 12b-1 fees. Schwab. Both. Forum. Many newcomers find that a good way to begin is by reading these Wiki articles: Getting Started and the Bogleheads' investment philosophy. From Bogleheads. The building blocks of Boglehead-style investing are low-expense-ratio index mutual funds and/or exchange-traded funds (ETFs). Exchange-traded funds (ETFs) are also registered investment companies, but structured differently than a. Asset class considerations. Investors should look at all of their accounts as a unified portfolio to construct a portfolio that is low cost, well diversified, and tax efficient. [1] The Callan periodic table of investment returns is patterned after Mendeleev's. I am considering switching to the United Healthcare Choice Plus High plan. The kit ends with articles that cover. The Bogleheads ® follow a small number of simple investment principles that have been shown over time to produce the best results. From Bogleheads. These portfolios are ideal if you are in the accumulation stage, with retirement as your main goal. To use the list, begin at the top and work your way down until you have met your income need for the year. "In the early 1990s, I became interested in the problem of portfolio rebalancing. Target date funds are all-in-one funds that automatically adjust the asset mix of stocks, bonds and cash according to a selected time frame. An index is a statistical measure of a market's value and performance, and serves as a benchmark against which an investment manager's performance is judged. Interest above that is taxed at 15%. Events. Chapters. Your tax rate depends on how long the fund has held the investment, and also. [3] The first 940 euro interest on regulated ( gereglementeerde) savings accounts is exempt. This article contains details specific to United States (US) citizens and US permanent residents (green card holders) living outside the US. Republican [1] Spouse. It does not apply to non-US investors. Since you have an active traditional IRA, either roll taxable amounts. 2% AER; no min. An After-tax 401(k) is a type of 401(k) sub-account, with different rules from traditional and Roth 401(k) accounts. The index is frequently used as a benchmark for measuring international.