1. Team 11 Personal Investment  Puneet Chhina - Organizer  Tommy Lu – Technical  Zang Man Tang - Summarizer

2. Scenarios Scenario 1 Scenario 1 –Roth IRA Scenario 2 Scenario 2 –401K (Matching contribution) Scenario 3 Scenario 3 –401K ( No Matching contribution)

3. Assumptions Age 25 Age 25 Starting Salary $60,000 Starting Salary $60,000 Salary Raise 5% per yr Salary Raise 5% per yr Same employer for the duration of employment. Same employer for the duration of employment. Retirement Age 75yrs Retirement Age 75yrs Average Inflation 3% per yr Average Inflation 3% per yr Tax Bracket 28% Tax Bracket 28%

4. Overview

5. WHAT WOULD YOU CHOOSE ?

6. Resources Internet: Internet: –http://www.rothira.com http://www.rothira.com –http://www.401khelp.com http://www.401khelp.com –http://www.ifa.com http://www.ifa.com Books: Books: –Essentials of Engineering Economic Analysis, Newnan, D. G., Engineering Press, 2nd Ed. 2000 Financial Consultant: Financial Consultant: –Dr. Phillip R. Rosenkrantz