# Episode 12 - Retirement & Investment: Facts and Morality

Page: https://stenobird.com/podcast/lend-hoping-nothing-podcast-6322350/episode-12-retirement-investment-facts-and-morality
Text version: https://stenobird.com/podcast/lend-hoping-nothing-podcast-6322350/episode-12-retirement-investment-facts-and-morality.md
Podcast: [Lend Hoping Nothing Podcast](https://stenobird.com/podcast/lend-hoping-nothing-podcast-6322350)
Published: 2024-01-29T19:22:47+00:00
Episode link: https://lendhopingnothing.substack.com/p/episode-12-retirement-and-investment
Audio file: https://api.substack.com/feed/podcast/141168388/20bfb738d9840505b796a440fb27c976.mp3
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JSON: https://stenobird.com/v1/public/podcasts/lend-hoping-nothing-podcast-6322350/episodes/episode-12-retirement-investment-facts-and-morality
Duration seconds: 2583

## Resource

Nota Bene I am not a financial or tax advisor. Take everything I say with a grain of salt and do your own research and find professionals for additional help. Facts Options for retirement * 401k * Employer sponsored retirement account * Invest a percentage of salary * Typically involves an employer match of 3%-5% ( https://www.fidelity.com/learning-center/smart-money/average-401k-match ) * Invest in small set of mutual funds * IRA * Individual Retirement Account * Invest your money * Depending on manager can invest in the whole market * Mutual funds, stocks, bonds, options, real estate, infrastructure, etc. * Different types of accounts - Traditional vs. Roth ( https://investor.vanguard.com/investor-resources-education/iras/roth-vs-traditional-ira ) * Tax advantaged accounts with eligibility and contribution requirements. * Traditional * Deposit pre-tax, withdrawal as income tax * Advantage * Income tax bracket lower in future than today * Can use for a regular expenses * Have more money to invest sooner * Roth * Deposit post-tax, withdrawal tax free * Advantage * Can withdrawal for bigger expenses * Can also be valuable if you expect taxes to go up in the future or to be in a higher bracket * Limitations on when you can withdrawal and have minimum distributions after retirement * Other Accounts * Brokerage Account * Can invest in the whole market * No limitations on deposit/withdrawal levels or timing * Involves various capital gains taxes * Various bank accounts * Low profits, but limited risk Stocks * Ownership claim in the company * Includes certain rights to the company * Voting rights at shareholder meeting - offer proposals, vote for directors, etc. * Rights to certain financial information * Limited rights to dividends - especially if board is unjustified in no…

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