新入职，怎样最优化公司401K?

All employees have completed three months of service will be eligible to receive the Employer Match contributions. You may enter immediately for deferral contributions. You may enter the plan immediately upon completion of three months of service for the Employer Match. The company will make the Employer Match contributions equal to 100% of the first 4% of compensation that you contribute.
我8月中旬将从大学换到公司，目前的大学是403b，自己的403b目前只放了$3500. 2020年的401k(403b）总和应该是$19500。 那么剩下的$16000 contribution是不是应该放在11月，12月比较合算？谢谢！

Doesn’t matter much in the long run

$16000*0.04 = $640

好像很少哦。以前的单位是match工资的5%。

Some employers have matching cap per paycheck and it bit me once. First year I maxed 401K out when bonus was paid in February but only got $300 (cap). If I spread it out through out the year I would have gotten 11X of that. Your employer might or might not have this kind of gotchas but do check with your HR. If you don't have such cap then its better to max out earlier so you can manage your timing into market (i.e. put it into money market and then move into equities later, but if you are under 30 you probably don't care and you can put into equity right here right now.)

回复 5楼yolandos的帖子
"put into equity" 是放进股票吗？

能有match就放，再多也没必要吧

回复 5楼yolandos的帖子
"put into equity" 是放进股票吗？
echomom 发表于 2020-07-25 11:44

yes. Equity is a asset class. Most 401K has equity mutual funds, either actively managed or passively managed (target dated funds). The other common asset class in 401K is bond.

有闲钱就放满啊

能有match就放，再多也没必要吧
chop2004 发表于 2020-07-25 11:51

再多也没必要? I don't agree as contribution in this case is likely pretax.

$16000*0.04 = $640
geneontology 发表于 2020-07-25 11:31

upto 4% of salary not contribution.

8月入职3个月之后开始match 也就是最多match今年11月和12月工资的4% 公司match不占用个人上限19500 放多少看你愿意省税还是需要工资到手啊

先放4%至少把公司的match拿到，剩下的入职后慢慢了解再调整

Defer又不是免税，现在不交以后交，以后税率不见得更低，钱也更不值钱。当然如果收入很高，闲钱太多放也无妨。

回复 5楼yolandos的帖子
Not an issue if employer plan offers true up, so it depends.

Defer又不是免税，现在不交以后交，以后税率不见得更低，钱也更不值钱。当然如果收入很高，闲钱太多放也无妨。
chop2004 发表于 2020-07-25 12:19

Well, if you are disciplined enough to do your after tax investment then you have a point as no one knows what one's marginal tax rate will be when retire.
If not, think if you have contributed $1K in 1990 vs $500 in 1990 how much you end up with today and how much tax you would pay...still think the extra $500 is not worth putting aside?

看看单位的原则吧，一般来说401K最大限度买工资的35%。