How to Get a Good Return on Investments in a Four O One K

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The point of asset location is to eke out a little bit of extra return by being smart about where you put your various assets. You want assets with a really high return and assets that are very tax inefficient in tax protected accounts, cause you want those accounts to grow so you can benefit from the tax protection on even more money in the future. Sometimes it makes sense to just leave those there and build around them. It really depends how you want a simplified portfolio.

In this week's episode we are taking listener questions regarding retirement accounts. We talk about 403(a), 403(b), and 457(b) accounts and what the maximum contributions for those are. We cover defined benefit plans vs a mega backdoor roth and when to pick which or both options. We answer questions about taxable accounts and catch-up contributions as well as differences in employer contributions and solo 401(k) accounts and when you can make contributions for a spouse. If you have questions about retirement accounts you will find some answers here.

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The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you!

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