Row 97038

Row ID: 97038 | Dataset Entry | Axioma AXP Content Repository

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This page contains data entry 97038 from the Axioma AXP content repository. The structured data below represents the complete record for this entry.

Hello, /r/investing! I’m trying to figure out if it’s possible (realistic) to grow a retirement fund of $350k to $2.5MM in 15 years, with continued contributions.

Breakdown of the funds (all VTI/VTSAX):

401k - $300k

Roth IRA - $50k

Brokerage - $50k

HSA - $1k

Monthly Contributions:

*401a/403b - $3000

Roth IRA - $500

HSA - $300 (starting now)

According to investment calculators, 2.5MM should be achievable in 15 years, assuming an annual (avg.) gain of 8%.

*401a does not count towards personal contribution limits

My questions are as follows:

1. I know the average return rate of the market is ~10%, but my timeline is 15 years, so that may change the dynamic a bit. Is an 8% gain realistic within this time?

2. Is there a more optimized way of investing these funds? I max out my 401k, Roth IRA, and I am now starting to max my HSA so I can use that as another tax advantaged bucket. Granted that I remain employed by the same employer for the next 15 years, is there any other way I should have these funds positioned or invested?

3. Is it worth using my HSA as another tax advantaged bucket, seeing as ~$4k is the annual max?

Thank you!

FieldValue
text Hello, /r/investing! I’m trying to figure out if it’s possible (realistic) to grow a retirement fund of $350k to $2.5MM in 15 years, with continued contributions. Breakdown of the funds (all VTI/VTSAX): 401k - $300k Roth IRA - $50k Brokerage - $50k HSA - $1k Monthly Contributions: *401a/403b - $3000 Roth IRA - $500 HSA - $300 (starting now) According to investment calculators, 2.5MM should be achievable in 15 years, assuming an annual (avg.) gain of 8%. *401a does not count towards …
label r/investing
dataType post
communityName r/investing
datetime 2024-05-25
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url_encoded Z0FBQUFBQm5LalBCdGV4NzIxc29FQ0ZnOVg3X1prT1dZeEJZY08tU3lkaEtLeXFNTmRPajEtaGIwTTRsOUU2SzBUT0NnazNiNTZpVlVNU0tsa3NGTXJ4eHJubFgxNm1ILVgtVTBENjYwT2F2c0toV00wOWhZX1pVSGJiVG5aZ0Y5LTNvZUs3eEo2MmVSZ0xyb3lvMG9tM3U0UDZrN2VFSVBoM1R6dGJ2WTBSQTdNY3BlWkhpMnlvPQ==

Raw Record

{
  "text": "Hello, /r/investing! I’m trying to figure out if it’s possible (realistic) to grow a retirement fund of $350k to $2.5MM in 15 years, with continued contributions.\n\nBreakdown of the funds (all VTI/VTSAX):\n\n401k - $300k\n\nRoth IRA - $50k\n\nBrokerage - $50k\n\nHSA - $1k\n\n\nMonthly Contributions:\n\n*401a/403b - $3000\n\nRoth IRA - $500\n\nHSA - $300 (starting now)\n\n\nAccording to investment calculators, 2.5MM should be achievable in 15 years, assuming an annual (avg.) gain of 8%.\n\n*401a does not count towards personal contribution limits\n\nMy questions are as follows:\n\n1. I know the average return rate of the market is ~10%, but my timeline is 15 years, so that may change the dynamic a bit. Is an 8% gain realistic within this time?\n\n2. Is there a more optimized way of investing these funds? I max out my 401k, Roth IRA, and I am now starting to max my HSA so I can use that as another tax advantaged bucket. Granted that I remain employed by the same employer for the next 15 years, is there any other way I should have these funds positioned or invested?\n\n3. Is it worth using my HSA as another tax advantaged bucket, seeing as ~$4k is the annual max?\n\nThank you!\n\n",
  "label": "r/investing",
  "dataType": "post",
  "communityName": "r/investing",
  "datetime": "2024-05-25",
  "username_encoded": "Z0FBQUFBQm5Lak12a3NWNjZJUnpWaEVybG9aQzdqYzFWc0MtV2VnVGVHeEdnLWROTXVhNHBoeE9iNTFobThIM1VXQzZVNzR3bWZ1N1pFd2Ria09PZTZ0azM5X2JnSHFXUVE9PQ==",
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}
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