Leaderboard

Sounds like you are doing a very good job! All of these funds are registered with the SEC and the returns are public so you can "Google" something like "comparison of Vanguard funds" and you will find a bunch of information that may be helpful. In other words, there is history on these funds and you don't need the statements from this account to see what it is.

Again, so sorry for your loss. Not defending Vanguard because they can be slow, as you experienced, but they did know "know" your husband was deceased until they received the death certificate. I think your complaint is with your husband's employer's HR department. They should have helped you through this process in my opinion. Unfortunately, I do not think you will succeed with any claim against anyone with regard to this perceived loss. You may be able to keep the account active and hope that the stock market goes back up. It has plummeted during the time period you reference, again, in my opinion, due to President Trump's idea that tariffs would not cause market retaliation. It (the market) may very well right itself in a week or two. The best of luck to you. A trustworthy adviser might be a valuable addition to your team.

I haven't seen this one in a while. I'm of the impression that a plan termination doesn't create a short plan year, but does create a short limitation year for Section 415. I don't know if anything has changed since I got that impression. May be worth looking in to. However, if you actually amended the plan to create a short plan during during the plan termination, then you may have 'screwed the pooch'. Good Luck!

there is a strange rule under 1.401(k)-2(b)(v) .......in the event of a complete termination of the plan...ih the entire balance of the HCE is distributed prior to when the plan makes a distribution of excess contribution...the distribution is deemed to have been a corrective distribution...to the extent that a corrective distribution would otherwise have been required.

So a person caring for a disabled child who is receiving SSI for such cannot save for retirement and have a meager 401(k) balance? What is wrong with this government? Give them enough to survive with public assistance and ensure that they will always remain on public assistance in retirement and, of course, these poor souls have no choice but to continue to vote those politicians into office or risk their primary means of survival. Those are my thoughts. Suggestions - there should be sufficient medical expenses to substantiate a hardship withdrawal.