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To empower African-Americans, and all people of color, with the knowledge and inspiration to foster progression and productivity in the community.
In 2004, 92 million individuals in the United States owned mutual funds. Thatâs almost half of all U.S. households compared to only 6% of all households in 1980. 92% of those 92 million said they invested in mutual funds to save for retirement. The advent of tax-deferred vehicles like
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1 year ago
1 year ago
the other half of this story, which is something i'm sure you'll touch on, is that the best alternative for ybp's is a roth. you pay taxes now for the money that you contribute to the plan, but when you retire, all of the income from that plan is tax free. assuming you're in a higher bracket, you'll actually be paying less taxes.
umo, i agree. savings accounts get the double, but roth ira's don't.
the only dilemma with not utilizing your 401k is that you're missing the free money aspect of your employer match.
maybe the analysis of taxes early vs. taxes later vs. dividends from free 'employer contributed' dollars is the third part that can be analyzed. maybe that is what you're alluding to at the end of the article?
1 year ago
1 year ago
http://money.cnn.com/2007/10/08/pf/expert/expert1.moneymag/index.htm?section=money_pf