Tagged: 401(k)

2019 Front-Loading – An Extra $950 In My Pocket

As it turns out, 2019 was a pretty great year for front-loading my 403(b) account. My low-cost VIIIX (Vanguard Institutional Index Fund Institutional Plus Shares) fund generally tracks the performance of the Standard & Poor’s 500 Index. The S&P 500 returned just over 30% in 2019. Thus, VIIIX put up a very similar return for 2019. On 12/31/2018 VIIIX was worth $227.57 per share and by 12/31/2019 is was worth $290.25 per share. That’s a...

Why I Am Not Front-Loading My Retirement Account In 2020

After going on and on about front-loading over the last year, I have decided not to front-load my retirement account in 2020. You see, I had planned on it. I even put a request into my HR department in early December to set aside about 90% of my salary for retirement starting in January 2020. But then I canceled the request. There is really no telling what my Human Resources department thinks of me. They...