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The year you plan on retiring
If you're an employee, your funds remain in the 401(k). Only specific reasons are permitted for withdrawal - by law - and wanting an outside firm to manage the funds is not one of those reasons.
Check the fees gofor the funds with the lowest fees
If you don't want to think about it, just allocate everything to a target date retirement fund of the year you approximately plan to retire. It is diversified and will auto-rebalance as you get closer to retirement.
Any PwC fish give insight the the additional Wealth Builder? Recently joined and am confused by it. If I contribute to that as well, is it also untouchable until retirement?
You don't contribute to Wealth Builder, it's a quasi-pension/profit sharing that PwC contributes to
Read the reports and pick what types of risk/rewards work best for you. Look at the trends from previous quarter
You pick a target retirement date fund if you don't know what you're doing or consider a mix of the other funds if you do. Since you're in the former category, do what D1 says.
Should I just move my entire fund to betterment or something? Feel like I'm too uninformed to make these choices
Technically we aren't allowed to use Betterment or Wealthfront. Which by the way is a silly rule
S1 - I thought we can use betterment and wealthfront? I've not used them, but had a principal recommend it saying they used it
You can't do anything but the funds in your account while still employed - no Betterment, Wealthfront, Fidelity, or anything else.
The further in the future, the lower the expected risk AND return.
I.e can expect target date fund 2050 to have smaller returns then 2030
It's actually the opposite. A 2060 target date fund invests more aggressively than a 2050 because the time horizon allows you to ride out the dips better. If you invest all along drops are good because you're buying at a discount, just like filling up your car with gas...See "dollar cost averaging".