Good compilation, I more or less agree with the suggested prioritizations and such. One thing that I think may be worth a sentence or two in the appropriate section: management fees for the various funds in employer-sponsored retirement accounts vary widely. While aiming for Vanguard will generally result in a low management fee, if some 401k plan doesn’t have any Vanguard funds, the next best heuristic to choose between various index funds is whether the management fee is under 0.1%/yr (assuming it fits your other criteria w.r.t. diversification, etc). The target-date funds that are commonly pushed by the 401k administrators often have absurdly high fees (1%+) which eat into returns a lot.
Good compilation, I more or less agree with the suggested prioritizations and such. One thing that I think may be worth a sentence or two in the appropriate section: management fees for the various funds in employer-sponsored retirement accounts vary widely. While aiming for Vanguard will generally result in a low management fee, if some 401k plan doesn’t have any Vanguard funds, the next best heuristic to choose between various index funds is whether the management fee is under 0.1%/yr (assuming it fits your other criteria w.r.t. diversification, etc). The target-date funds that are commonly pushed by the 401k administrators often have absurdly high fees (1%+) which eat into returns a lot.