5 ms·

Both the non-taxed 20k and 10% gains are not going to be realistic.

• zer00eyz 11y ago
  last 3 years the S&P would get you close to 10% the last ten years on the S&P would put you firmly at 5% Thats assuming you don't pick a decent fund with return rates that sit somewhere in the middle. If your lucky/smart you fund may return much higher, or you get slapped and loose money. If one isn't doing it already, 401k withholdings can go up to 18k a year (close enough to 20k a year), and you can get some more savings in there depending on your marriage and partners employment status. If OP isn't maxing out his non taxable investments today, then him putting aside 18k in 401k from his current paycheck (rather than taking the cut) has even MORE upside for him, than I'm suggesting. And hitting the right fund (and its unlikely) could have 14% returns. SO I fully agree with you, my estimates could be foolishly low (or outrageously high) we simply don't know.