401k-plan-decoder

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Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding. Use when someone asks 'is my 401k any good', 'decode my 401k plan', 'which funds should I look at', or 'what fees am I paying'. Produces a fee decode in dollars-over-time, match and vesting math, a fund-lineup triage by cost, and the questions for HR or the plan administrator.

AI & Automation 1,228 stars 220 forks Updated today MIT

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Skill Content

# 401k Plan Decoder Skill Nobody reads the 401k enrollment packet, which is how a 0.9% expense ratio quietly eats six figures of a career's compounding. This skill reads it: what the funds actually cost in dollars over time, what the match really promises once vesting and true-up fine print are applied, and which plan features (Roth option, brokerage window, loan terms) matter for this person. It decodes cost and structure — it never picks investments. ## What This Skill Produces - The fee decode: each relevant expense ratio and admin fee converted to dollars-over-career on the user's numbers - Match math with the fine print applied: per-paycheck vs. annual true-up, vesting schedule, what leaving at year N forfeits - Fund-lineup triage by cost tier — where the cheap broad-market building blocks are, and which funds cost 10× a near-identical neighbor - Feature decode (Roth 401k, after-tax + conversions if offered, loans, brokerage window) and the questions for HR/administrator ## Required Inputs Ask for these only if they aren't already provided: - **The plan documents** — fund lineup with expense ratios (the fee disclosure / 404a-5 notice is the gold source), match formula, vesting schedule, summary plan description excerpts. Decode what's provided; list what's missing by name. - **Their numbers** — salary, current contribution %, balance, and age band — needed to make fees and match concrete. - **Tenure expectation** — vesting math is meaningless without it. ## Framew...

Details

Author
mohitagw15856
Repository
mohitagw15856/pm-claude-skills
Created
5 months ago
Last Updated
today
Language
HTML
License
MIT

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