Tracking after-tax vs pre-tax 401k contributions

[Aaron Stacy]

My employer uses Vanguard for its 401k program. I can (and do) configure automatic paycheck deductions for both pre-tax and after-tax contributions.

Vanguard's statements and exports are frustrating because they lump both of these into one amount. I've been trying to track them as 2 different accounts, but that means asserting the balance involves adding them together, making sure that matches the statement/website, and then adding the assertions manually.

Is there a better way to track these 2 amounts? Or does someone know of a better way to export Vanguard balances (they're also annoying since they never provide running totals, and the balances are always for the date of export, rather than the date range of the export)?

[Ben Blount]

I recommend downloading ofx files from them instead. For some reason the ofx export misses some 401k accounts for me, so I use the Quicken qfx export, which beancount_import/sources/ofx can still understand.

When you download them you'll end up with separate accounts for each possible source (after tax, pre tax, rollover, matching).

The other way to do it is from the "Retirement plan" section you can get to a transaction view screen. Change the "View by" setting to "Both" and you'll see it broken down by both fund and source type.

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[Martin Blais]

I do the same thing; I use OFX for the 401k (I think I say "quicken, to separate accounts"), and CSV for the Roth.

Four subaccounts in the 401k.

There's still a fair bit of rounding issues in assertions, but at the four digits level, and I use the ~ syntax on the Balance directive to disregard those.

It is what it is...

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