Asterops

  • In Case You Missed It: Best of Summer 2024

    In Case You Missed It: Best of Summer 2024

    The article highlights the five most popular newsletter topics as summer ends, focusing on employee benefits, retirement planning, job searching, remote work culture, and the use of AI for lead research. These insights aim to help readers enhance their professional and personal lives, with more content expected in the fall.

  • ETFs vs. Mutual Funds: Understanding the Key Differences

    ETFs vs. Mutual Funds: Understanding the Key Differences

    Exchange-traded funds (ETFs) and mutual funds are popular investment choices for achieving financial goals. Both offer diversification and professional management, with key differences in trading, fees, transparency, tax efficiency, and minimum investment. Choosing between them depends on individual circumstances, preferences, and investment goals. ETFs may be suitable for lower costs and tax efficiency, while mutual…

  • What’s a “Boglehead” & More about Passive Investing

    What’s a “Boglehead” & More about Passive Investing

    In recent times, small-cap stocks have surged, highlighting the short-term unpredictability of the market. Embracing the Boglehead philosophy, based on John Bogle’s principles, advocates passive investing through low-cost index funds. This approach prioritizes long-term growth over quick gains, emphasizing simplicity, low expenses, and steadfastness in navigating market fluctuations.

  • Beyond Roth: Comparisons to a Traditional IRA & Backdoor Conversions

    Beyond Roth: Comparisons to a Traditional IRA & Backdoor Conversions

    The Roth IRA offers tax-free retirement savings, while the Traditional IRA allows tax-deductible contributions and tax-deferred growth. The choice between them depends on factors like current and future tax rates. For high earners, the “Backdoor Roth” conversion strategy can provide tax-free retirement income, but careful consideration and professional advice are crucial.

  • Roth IRA: Your Retirement Cornerstone

    Roth IRA: Your Retirement Cornerstone

    Roth IRAs offer tax-free growth and withdrawals, flexibility, and long-term retirement accumulation. Contributions are made with after-tax dollars, allowing for tax-free growth and withdrawals. Early-career starters benefit from locking in lower tax rates. Other advantages include flexibility, no required minimum distributions, and protection against future tax increases. Eligibility and contribution guidelines apply, and various strategies…

  • HSA Pt. 2 – Know your options & how to optimize

    Missed Part 1 on HSAs? Check it out here on Substack. You’ve opened your HSA, funded it, and are ready to manage those medical bills. Now comes the question – how to optimize your HSA for maximum benefit. Let’s dive into contribution limits, saving strategies, investment options, and explore similar accounts like FSAs and HRAs. Contribution Limits: How Much Can…