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Cash Balance Plans Can Be an Extra Retirement Savings Account

By James M. Dahle, MD, FACEP | on May 14, 2015 | 3 Comments
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Explore This Issue
ACEP Now: Vol 34 – No 05 – May 2015

Pages: 1 2 3 | Single Page

Topics: Emergency PhysicianPersonal FinanceRetirement

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About the Author

James M. Dahle, MD, FACEP

James M. Dahle, MD, FACEP, is the author of The White Coat Investor: A Doctor’s Guide to Personal Finance and Investing and blogs at http://whitecoatinvestor.com. He is not a licensed financial adviser, accountant, or attorney and recommends you consult with your own advisers prior to acting on any information you read here.

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3 Responses to “Cash Balance Plans Can Be an Extra Retirement Savings Account”

  1. July 22, 2015

    pete levasseur Reply

    I read your cash balance plans article. A note to be made is that if you have BOTH a 401k and a defined benefit plan, your 401k is limited to 18k-24k (age dependent)plus 6% of Schedule C income, NOT $35,000 as in a solo 401K.

  2. September 16, 2015

    DOI Reply

    WCI,

    Looking into setting up a cash balance plan (cbp) have few questions.

    1) Does your cbp provide a third party administrator (tpa)or do you have to get your own?

    2) What types of portfolios does your cbp offer?

    3) What do think is a fair cap on aum fees for these cbp?

    4) What is going market rate for a tpa?

    5) Do you have a list of cbp providers like was done in 401k comparison article?

    Thanks for the great previous articles, have changed my out look on retirement!

    • September 21, 2015

      James M. Dahle, MD, FACEP Reply

      1) Generally provided.
      2) Ours is a reasonable mix of mostly index mutual funds. I’ve seen portfolios anywhere from 52% to 72% stock (which I think is probably a little on the high side.)
      3) As low as possible. Mine charges 0.3-0.4%.
      4) Not sure.
      5) No. That might be worth a future post though.

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