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Re: Beginner Investor Needing Advice

They might total to around $5,000 if I sold them all. I've always just left them alone, but I could sell them and invest them in a taxable account. I would sell all of these and add the money to the house fund. The $18K includes both the employee and employeer contributions. I put 20% of my salary ...
by Duckie
Mon Apr 27, 2015 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor Needing Advice
Replies: 5
Views: 537

Re: New Boglehead Needs Help with Asset Allocation

rleslie4 , welcome to the forum. I am not happy with Vanguard increasing their international exposure in their Target Retirement accounts. If you don't like this then you should remove the Target funds from the taxable account, too. You should anyway because they hold taxable bonds. Your new IRA pe...
by Duckie
Sun Apr 26, 2015 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Needs Help with Asset Allocation
Replies: 1
Views: 166

Re: 401K Pre Tax, Roth 401k or After tax 401K??? HELP!

What would you recommend I do to grow my portfolio as tax advantaged as possible??? Here's what I recommend: ⋅ Contribute $18K to the pre-tax 401k. ⋅ Contribute $5.5K to the Roth IRA via the 
 backdoor method 
. Since you listed no non-Roth IRAs you should not have a problem wit...
by Duckie
Sun Apr 26, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Pre Tax, Roth 401k or After tax 401K??? HELP!
Replies: 14
Views: 838

Re: Please sanity check my new asset allocation plan

Mstar714 , welcome to the forum. Does my allocation plan (what funds I've placed in what accounts) and the stock/bond ratio look good? I like your proposed AA. Emergency funds: Yes, 75k in 1% online savings account Debt: Mortgage, 4.875%, $50,000 left in loan on $250,000 house) No other debts. One ...
by Duckie
Sat Apr 25, 2015 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please sanity check my new asset allocation plan
Replies: 5
Views: 579

Re: Beginner Investor Needing Advice

bandit510 , welcome to the forum. Desired Asset allocation: 100% stocks / 0% bonds Desired International allocation: 100% stocks / 0% bonds Of your stock allocation (which happens to be 100%) how much do you want US and how much international? If you want your stock AA to be 70% US and 30% internat...
by Duckie
Sat Apr 25, 2015 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor Needing Advice
Replies: 5
Views: 537

Re: Roth IRA options when you can't contribute to it anymore

- The Roth IRA is at Fidelity and 100% in the SPRTN TOTAL MKT INDX INVESTOR CLASS FSTMX. It is at .1% expense ratio since I think you have to get to 10,000 to get the next class expense ratios. That was one reason I wanted to get some more money in there. I could roll this over to Vanguard and I gu...
by Duckie
Sat Apr 25, 2015 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA options when you can't contribute to it anymore
Replies: 12
Views: 1154

Re: Bond allocation-retire in 2 yrs

What should be our bond allocation? Between 30% and 50%. My wife says 0% but I disagree with her. So she's comfortable potentially losing 50% of your retirement portfolio? She's got a cast-iron stomach. What bond funds should we buy? We have accounts at Vanguard and Fidelity. ( VBTLX ) Vanguard Tot...
by Duckie
Fri Apr 24, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation-retire in 2 yrs
Replies: 14
Views: 1092

Re: Newbie...What did I invest in???

What the heck are these things? I can not find information on these at all Here's an article about them. Here's the summary about HGX, and here's the summary about SPSIOP. I had never heard of step-up notes. Can I get rid of them before the due date of 1/27/2017? I don't think so. The summary speci...
by Duckie
Fri Apr 24, 2015 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie...What did I invest in???
Replies: 11
Views: 1188

Re: Roth IRA options when you can't contribute to it anymore

masrepus , welcome to the forum. A backdoor Roth is also not an option since I also have a sizeable Traditional IRA. I also have a Roth 401k with my employer so I might be able to roll the IRA into the 401k and make the backdoor Roth possible but the 401k options are not the best so I didn't want t...
by Duckie
Fri Apr 24, 2015 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA options when you can't contribute to it anymore
Replies: 12
Views: 1154

Re: Lump Sum Investment Question

mathguy87 , welcome to the forum. You left out a lot of information. ⋅ You are a grad student with a year left of school. How are you paying for it plus your living expenses? ⋅ Do you have student loans? ⋅ Do you have credit card debt? ⋅ Do you have an emerge...
by Duckie
Fri Apr 24, 2015 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investment Question
Replies: 2
Views: 273

Re: Rolling over a pension plan to an IRA

alliwantedwasapepsi , welcome to the forum. I'm thinking the IRA makes the most sense, but what funds do I choose in the Vanguard offerings to make up that IRA? What funds you choose in the IRA depends on your Asset allocation and the other retirement assets you have. Since you have your own busine...
by Duckie
Thu Apr 23, 2015 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over a pension plan to an IRA
Replies: 3
Views: 339

Re: Cash-heavy and action-ready: How's this allocation?

So even in a 15% tax bracket (w/no state tax), the Intermediate-Term Tax Exempt fund will have a better yield than the Total Bond fund? I don't know if it has a better yield. It may not. I just prefer tax-exempt in taxable accounts. Others disagree. When interest rates rise having a taxable bond fu...
by Duckie
Thu Apr 23, 2015 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash-heavy and action-ready: How's this allocation?
Replies: 22
Views: 1901

Re: Need some opinions on asset allocation

jacob07 , welcome to the forum. IShould I count my cash balance pension plan as part of my asset allocation? Maybe as part of my 35% bond allocation? Or should I not consider it as part of my overall allocation? Since I have no control over it, I can't rebalance it. The pension is an asset but not ...
by Duckie
Thu Apr 23, 2015 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need some opinions on asset allocation
Replies: 1
Views: 212

Re: Creating 3 fund portfolio 401k with limited Fidelity opt

kennyszub , welcome to the forum. Could I get some feedback on my current allocations, and what changes I should make? Without knowing the expense ratios this will be a bit of a guess but the best stock fund options are: Spartan 500 Index Spartan Extended Market <-- Roughly 80% large caps (500 Inde...
by Duckie
Thu Apr 23, 2015 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating 3 fund portfolio 401k with limited Fidelity options
Replies: 3
Views: 381

Re: Cash-heavy and action-ready: How's this allocation?

For HIS portfolio (current holdings), is it as simple as: Taxable: Vanguard Total Stock: $405,000 (45%) Vanguard Total International: $180,000 (20%) Vanguard Total Bond: $65,000 (7.2%) SEP IRA: Vanguard Total Bond: $240,000 (26.7%) Roth IRA: Vanguard Total Bond: $10,000 (1.1%) You don't want taxabl...
by Duckie
Thu Apr 23, 2015 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash-heavy and action-ready: How's this allocation?
Replies: 22
Views: 1901

Re: Total bond fund in frequently-used HSA?

An HSA is an attractive investment option, but at the same time, in this case, there's less tolerance for risk, as the account is used on a regular basis. (It doesn't look like CDs can be held in the HSA.) The Total Bond Market (VBMFX) offers a decent balance of risk and return, with less volatilit...
by Duckie
Wed Apr 22, 2015 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond fund in frequently-used HSA?
Replies: 4
Views: 524

Re: 401K and Taxable Account Advise

What percentage split would you choose amongst those? You have an AA of 90% stocks, 10% bonds (low for your age), with 20% of stocks in international. That breaks down to 72% US stocks, 18% international stocks, and 10% bonds. If the 401k were the only retirement account (which it's not) I would al...
by Duckie
Wed Apr 22, 2015 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K and Taxable Account Advise
Replies: 19
Views: 1500

Re: Portfolio review

My wife's new 401k has RERGX American Funds Europacific Growth R6 as what looks like the only real international option. Is that fund a decent choice to up our intl allocation? I would probably move about 10k from US equities to this fund. ER is .49% according to Morningstar. It's a decent fund and...
by Duckie
Wed Apr 22, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 26
Views: 2519

Re: 401K and Taxable Account Advise

I want to get the best out of my 401K at this point even with the bad E/R's and funds I have access to. I am open to reallocating where needed. The least bad options in the 401k are: ( JLGZX ) JPMorgan Large Cap Growth Fund Class R2 (1.30%) <-- Large cap growth ( PEQRX ) Putnam Equity Income Fund C...
by Duckie
Tue Apr 21, 2015 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K and Taxable Account Advise
Replies: 19
Views: 1500

Re: 26 year old asking advise on the next steps to take

Ecks89 , welcome to the forum. Current Retirement Assets ~30k of PG stock where I reinvest dividend's and do not touch it. I would sell this, taking taxes into consideration. We do not recommend individual stocks. You could use this money to fund your Roth IRA and to live on while contributing more...
by Duckie
Tue Apr 21, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old asking advise on the next steps to take
Replies: 15
Views: 1112

Re: Appreciative newbie w/questions to fine-tune new portfol

Tax Filing Status: Married Filing Jointly, but just looking at one person's holdings here Why just one person's holdings? It's only half the picture. New annual Contributions $2,000 401k (+ $800 employer matching contributions) $5,500 Roth IRA (hopefully annually!) $?? taxable Why so little to the ...
by Duckie
Tue Apr 21, 2015 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Appreciative newbie w/questions to fine-tune new portfolio
Replies: 8
Views: 420

Re: "How much of your portfolio is in index funds, and why?"

100% of my portfolio is in index funds.

Why? Because it's easy. Easy to set up, to maintain, to rebalance, to track. It's also inexpensive. So, being both lazy and cheap frugal, it's perfect for me.
by Duckie
Tue Apr 21, 2015 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 65
Views: 5755

Re: MAGI exceed limit - Confirming Roth IRA transfer process

1) Transfer Rollover 401k to my company's 401K making zero in my TIRA in Vanguard 2) Open a new TIRA account in my wife's name with Vanguard Yes and yes. 3) Transfer Roth IRA amount for 2015 (Contribution + Earnings) ..saying 6000 from my Roth iRA and 6200 from my wife's Roth IRA to the TIRA accoun...
by Duckie
Tue Apr 21, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI exceed limit - Confirming Roth IRA transfer process
Replies: 12
Views: 940

Re: Yay! I fired my adviser! Now what?!

However, I should keep some assets in this portfolio for a gain, correct? If I take them out of the ones they are in (slowly) what do I move them off to specifically that wouldn't be taxed? Won't all those gains be taxed at some point? I'm not exactly sure what you mean here. You will eventually se...
by Duckie
Mon Apr 20, 2015 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yay! I fired my adviser! Now what?!
Replies: 11
Views: 2228

Re: MAGI exceed limit - Confirming Roth IRA transfer process

The Rollover 401K IRA is only in my name. Someone from this forum advised and I need NOT do anything for my wife's Roth IRA. The reason you are recharacterizing in the first place is because your joint income is too high to make direct contributions to a Roth IRA. That means her joint income is too...
by Duckie
Mon Apr 20, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI exceed limit - Confirming Roth IRA transfer process
Replies: 12
Views: 940

Re: Quick gut-check/feedback on 27y.o.'s first full plan?

I do see that the Vanguard Target Retirement 2055 Fund (VFFVX) (which best matches my age) has ~10% in bonds (and they keep the bond % around 10% all the way through Retirement 2040), so maybe I'll shoot to duplicate that (unless someone may suggest Vanguard is systematically too aggressive in thei...
by Duckie
Mon Apr 20, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick gut-check/feedback on 27y.o.'s first full plan?
Replies: 16
Views: 1547

Re: Yay! I fired my adviser! Now what?!

terp3473 , welcome to the forum. Age: 33 Desired Asset allocation: 75% stocks / 25% bonds (just a guess) Reasonable for your age. Desired International allocation: 15% of stocks (also, just a guess) Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". ...
by Duckie
Mon Apr 20, 2015 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yay! I fired my adviser! Now what?!
Replies: 11
Views: 2228

Re: 56 yr old ? on my Roth IRA

what would you suggest I do on the Roth ?? I tried to go with the 3 fun investment I read about here...what did I do wrong ? The three-fund portfolio is total US stock, total international stock, and total bond. In your Roth IRA you have Vanguard Total Stock Market which covers total US stock, Vang...
by Duckie
Mon Apr 20, 2015 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 56 yr old ? on my Roth IRA
Replies: 6
Views: 586

Re: Help with IRA choices

surfer5855 , although I personally prefer Vanguard, you could stay at Fidelity but just get out of the PAS account. You could have: 40% ( FSTVX ) Spartan Total Market Index Fund Advantage Class (0.05%) 20% ( FSGDX ) Spartan Global ex U.S. Index Fund Advantage Class (0.18%) 40% ( FSITX ) Spartan U.S...
by Duckie
Mon Apr 20, 2015 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with IRA choices
Replies: 3
Views: 214

Re: MAGI exceed limit - Confirming Roth IRA transfer process

I have contributed 5500 to Roth IRA for me and my wife (my wife does not work) for 2015 with Vanguard. Does this mean you contributed $5.5K to a Roth IRA for yourself and $5.5K to a Roth IRA for your wife? Because if you also contributed for your wife then she will have to recharacterize her Roth I...
by Duckie
Mon Apr 20, 2015 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI exceed limit - Confirming Roth IRA transfer process
Replies: 12
Views: 940

Re: Quick gut-check/feedback on 27y.o.'s first full plan?

Desired Asset allocation (retirement): 93% stocks / 7% bonds (120 minus age) Desired International allocation: 40% of stocks (copying Vanguard's Target Retirement 2060 here) You need more bonds. Minimum of 10%. 20% would be better. Funds available in my 401(k) that have decent expense ratios: What ...
by Duckie
Mon Apr 20, 2015 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick gut-check/feedback on 27y.o.'s first full plan?
Replies: 16
Views: 1547

Re: 56 yr old ? on my Roth IRA

would I be better leaving the Roth alone or having some go to Amerivest ? Two separate questions: Should you pay Amerivest to manage some of your retirement money? No. Should you leave the Roth alone? No. Please provide more information for us using the 
 Asking Portfolio Questions template. Make s...
by Duckie
Mon Apr 20, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 56 yr old ? on my Roth IRA
Replies: 6
Views: 586

Re: Limiting Financial Institution "Sharing Personal Info"

My question is do you need to reaffirm your direction to limit sharing to the greatest extent possible every year, or does a directive given one time stick forever, or for a certain number of years? Unless you are changing something you only need to do it once per institution. (But if your institut...
by Duckie
Sun Apr 19, 2015 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Limiting Financial Institution "Sharing Personal Info"
Replies: 1
Views: 218

Re: Help with my 401k Allocations

kingrocks , welcome to the forum. Age: me: 37, Desired Asset allocation: 60 stocks / 40 bonds? Desired International allocation: not sure At age 37 an AA of 60/40 is reasonable. A little conservative, but reasonable. For international I recommend 30% of stocks. But anything between 20% and 40% is r...
by Duckie
Sun Apr 19, 2015 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 401k Allocations and Savings build up??
Replies: 16
Views: 874

Re: Work adjustment options

Earl Lemongrab, you're 59 with $1.4MM in your portfolio and only $41K expected annual expenses. That would be 2.8% of the portfolio, already a safe withdrawal rate. But when you add the $39K pension into the mix (and eventual social security) there is no financial reason to keep working.
by Duckie
Sun Apr 19, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Work adjustment options
Replies: 19
Views: 1407

Re: DB and DC plan limits combined?

I worked at a job that had a pension and a separate 457b plan. The pension was mandatory. I had no choice whether or not to have that amount withheld. It was pre-tax. The 457 plan was elective. I was able to contribute the federal maximum (which in 2015 would be $18K). The amount the OP's FIL contri...
by Duckie
Sat Apr 18, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: DB and DC plan limits combined?
Replies: 13
Views: 902

Re: Reverse rollover and backdoor Roth

daremyth , welcome to the forum. My current plan is to do a roll-in from the rollover IRA into my 401k (my plan allows it), then do a conversion of the remaining traditional IRA into a Roth. Since the trad has been open for a little while, I'll take a little bit of a tax hit, but I'm ok with that i...
by Duckie
Fri Apr 17, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reverse rollover and backdoor Roth
Replies: 4
Views: 401

Re: ROTH IRA Overcontribution Question - Form 8606 + Backdoo

For some reason I thought if there was a RIRA to TIRA recharacterization you're supposed to include that on Line 6 (since you're effectively changing the contribution). If you had recharacterized the 2014 contribution in 2014 instead of 2015 (and not converted it in 2014) then there would have been...
by Duckie
Fri Apr 17, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1098

Re: Can I open solo 401K on 2500$ self employed income

Maybe Vanguard changed its policy. My experience is from 1.5 years ago. My wife had a Vanguard solo 401K plan and SEP and rollover IRA's with Vanguard as well. They would not allow rollover into the 401K. We had to open a Fidelity solo 401K to roll those IRA's into it. SEP IRAs and rollover IRAs ar...
by Duckie
Thu Apr 16, 2015 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1316

Re: ROTH IRA Overcontribution Question - Form 8606 + Backdoo

I see that on line 17, you entered the amount that was reacharacterized (not included earnings). I really wanted to do this since it seemed right, but the instructions said to use Line 11 (if you did Part 1), which includes earnings. That's why I kept getting the taxable income was 0 (2618-2618). I...
by Duckie
Thu Apr 16, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1098

Re: Can I open solo 401K on 2500$ self employed income

Just crashing someone else's thread - does Vanguard not accept ANY rollovers? Or do they just not accept IRAs? In other words, could I roll over an old employer's 401k into a Vanguard solo 401k? Vanguard's Individual-401k details state they accept rollovers from qualified plans (like a 401k). I don...
by Duckie
Thu Apr 16, 2015 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1316

Re: Backdoor Roth after Rollover

I think I know the answer to this, but if my wife is over 50 then I assume she is eligible to make a total non-deductible IRA contribution of $6500 in 2015 (standard $5500 plus the $1000 catch-up)? Yes. As for the Backdoor Roth, I assume the total $6500 would be eligible for the Backdoor Roth conve...
by Duckie
Thu Apr 16, 2015 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth after Rollover
Replies: 10
Views: 895

Re: Can I open solo 401K on 2500$ self employed income

Yaz , it sounds like you won't be contributing any money to your W2 401k plan until November. If that is the case, you are unlikely to max the $18K limit to that plan. Because of that you should be able to contribute almost all of your ~$2500 self-employment earnings to the solo 401k as an employEE...
by Duckie
Wed Apr 15, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1316

Re: Retirement Portfolio Help

boglefan86 , welcome to the forum. My main goal is to simplify my portfolio and have a low expenses that takes advantage of my 401k and Roth portfolio. I see that the Fidelity Spartan funds have low expenses, but not sure which ones complement well. I guess my weakness is understanding what funds o...
by Duckie
Wed Apr 15, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Help
Replies: 7
Views: 925

Re: ROTH IRA Overcontribution Question - Form 8606 + Backdoo

The $5500 contribution for 2014 was done in early 2014, but the recharacterization and conversion was just done a few days ago (2015). Line 6 says to use the total value of TIRA/SEP/Simple IRA's as of December 31, 2014. The were actually 0 for me (since the $5500 was still in the ROTH as the time),...
by Duckie
Wed Apr 15, 2015 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1098

Re: Rules on using IRA money for child's education?

Mom has a 6 yr old ROTH account: $10,000 (balance) [Ttl contributions: $5,000 (thus, $5k of the balance is from growth & earnings)] Q1) Can she withdraw $5,000 from her ROTH in the first year to help cover the $5,000 shortfal without tax or penalty? Yes. Q2) Then, are there any tax implications...
by Duckie
Tue Apr 14, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rules on using IRA money for child's education?
Replies: 16
Views: 1277

Re: ROTH IRA Overcontribution Question - Form 8606

For some reason I thought it would be simpler to wait to 2015 to do the conversion for the 2014 contribution, which is why I waited. It's cleaner when both the contribution and conversion happen in and for the same year. That way they get put on the same form. I think TT uses this "IRA Info Wk...
by Duckie
Tue Apr 14, 2015 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1098

Re: Couple of Q's about Roth IRAs / opening new Roth @ Vangu

If we get our tax figures tomorrow (4/14), is that enough time to open a new Roth IRA with Vanguard? She can walk into a bank and open and fund a Roth IRA tomorrow. Then after the tax-filing storm has abated she can open a Roth IRA at Vanguard and have them pull the assets from the bank Roth IRA in...
by Duckie
Mon Apr 13, 2015 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Couple of Q's about Roth IRAs / opening new Roth @ Vanguard
Replies: 7
Views: 522

Re: 403B vendor choices - stay at TRP or transfer to Fidelit

DA200 wrote:Is it worth the effort to transfer?

If it were me I would switch to Fidelity. I would pick Spartan Total Market, Global ex US, and US Bond index funds (depending on the rest of the portfolio).
by Duckie
Mon Apr 13, 2015 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403B vendor choices - stay at TRP or transfer to Fidelity
Replies: 9
Views: 631

Re: ROTH IRA Overcontribution Question - Form 8606

My question is: Did I fill out the 2013 8606 and now the 2014-8606 correctly while using TurboTax? 2013 8606 Line 1: 2460 Line 2: 0 Line 3: 2460 Line 4: --- Line 5: --- Line 6: --- Line 7: --- Line 8: --- Line 8: --- Line 9: --- Line 10: x (turbotax put this) Line 11: --- Line 12: --- Line 13: --- ...
by Duckie
Mon Apr 13, 2015 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1098
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