Retirement & Investments

Fidelity, Empower, USI and more — balances, tax buckets, and savings forecast

Total Saved
$418,968.38
Contributions YTD
$42,420.00
You + employer
Employer Match YTD
$10,024.00
Free money
Accounts
6

By Tax Treatment

Total$418,968

Tax Buckets Explained

Tax-Deferred$309,450
74% of portfolio

Traditional 401(k)/IRA. Contributions reduce taxable income today; withdrawals are taxed as ordinary income in retirement.

Roth (After-tax)$52,830
13% of portfolio

Roth 401(k)/IRA. Contributions are made with after-tax dollars; qualified withdrawals (including growth) are tax-free.

Taxable Brokerage$38,907
9% of portfolio

Standard brokerage account. Dividends and realized gains are taxed; no contribution limits or withdrawal penalties.

HSA$17,781
4% of portfolio

Health Savings Account. Triple tax advantage: pre-tax contributions, tax-free growth, and tax-free qualified medical withdrawals.

Retirement & Investment Accounts

  • FI
    Fidelity 401(k)
    FidelityPre-tax
    $149,020
    3 holdings
  • EM
    Empower 401(k)
    EmpowerPre-tax
    $95,093
    1 holdings
  • US
    USI 401(k) Plan
    USI Consulting GroupPre-tax
    $65,336
    3 holdings
  • FI
    Fidelity Roth IRA
    FidelityRoth
    $52,830
    2 holdings
  • VA
    Vanguard Brokerage
    VanguardTaxable
    $38,907
    3 holdings
  • FI
    Fidelity HSA
    FidelityHSA
    $17,781
    2 holdings

Asset Allocation

  • US Stocks50%
  • Target Date27%
  • International13%
  • Bonds9%
  • Cash1%

Savings Forecast

Project your balance to retirement and see how it splits across tax buckets.

Assumptions

Current age34
Retirement age65
Annual return7%
Inflation2.5%
Annual contribution raise2.5%
Annual contributions by bucket
Pre-tax
$
Roth
$
Taxable
$
HSA
$
Total / year$72,720

Projected balance at age 65

31 years · 7% return
Projected
$13.8M
In today's $
$6.4M
Contributions
$3.8M
Growth
$10.0M
Est. Annual Income
$551,152
Using the 4% rule
Est. After-Tax Value
$11.4M
Roth/HSA tax-free; pre-tax taxed at ~22%
Monthly Income
$45,929
Pre-tax, at retirement

Projected Split by Tax Bucket at Retirement

Tax-Deferred$10.3M (75%)
Roth (After-tax)$1.4M (10%)
Taxable Brokerage$1.2M (9%)
HSA$841.0K (6%)