Old 12-22-2017, 08:51 AM
  #34  
DLax85
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Joined APC: Jul 2007
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Originally Posted by kwri10s View Post
While I appreciate the group that is all for a big B fund vs an A fund. Please keep in mind that the B fund contribution limits are just that limits. Think back just a month when Congress was looking at lowering the 401K limit from 17000 per year. Equally low hanging fruit for politicians trying to increase the impact on high wage earners (us) would be to chop the max cap down from 54K. If that was dropped down to say 25K and all our eggs were now in a basket that relied on Congressional legislation we could very sad.

Just a quick reminder that all B fund, 401K limits, etc are legislative limits. An A fund is not. Not that I don't think we should look to improve the B fund, but I don't think we should put all our eggs in that basket. Yes, I'm hungry while typing.
Diversify me baby!!

Index A fund cap vs reasonable metric, and add additional YOS multipliers until 30th YOS.

Plus increase B fund towards 12-13% with cash over cap provision
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