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Re: Rolling over 401ks to IRA

thetrb , welcome to the forum. 1) Fidelity seems to charge $75 to invest in this fund. Are there any other fees / expenses I'll have to pay or is that about it? Besides the transaction fee you'll just have to pay the expense ratios of the fund -- 0.18%. 2) Would you recommend any other funds? 2045 ...
by Duckie
Fri Jan 30, 2015 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401ks to IRA
Replies: 3
Views: 190

Re: Foreign Tax credit and STATE Income Taxes

While most states do not seem to allow a state credit for foreign taxes paid but perhaps they would allow you to take an additional itemized deduction. Has anyone heard of this? It would depend on the state. In California when you figure your itemized deductions for state tax purposes, foreign taxe...
by Duckie
Fri Jan 30, 2015 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax credit and STATE Income Taxes
Replies: 32
Views: 3629

Re: Need help with Backdoor Roth

kc1202 , welcome to the forum. 1) Because of the timing issue, did I lose the ability to make use of a back door roth for 2014? No. The backdoor Roth is two steps and only one happened in 2014. You completed the process in 2015. 2) What is the impact on form 8606? When you file your 2014 taxes add ...
by Duckie
Thu Jan 29, 2015 11:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help with Backdoor Roth
Replies: 2
Views: 288

Re: Portfolio Allocation

I have accounts with Schwab, Vanguard and the Thrift Savings Plan. All my holdings are in mutual funds. I am looking for a way to see what percentage of my assets across all three accounts are in each asset class. The free Morningstar Instant X-Ray will work for the funds with ticker symbols. For t...
by Duckie
Thu Jan 29, 2015 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation
Replies: 4
Views: 377

Re: Backdoor Roth and 1099 Form

I did a Backdoor Roth for the first time this year and wanted to make sure I did it right. This year 2015 or last year 2014? Was the contribution of $5,500 for year 2014 or 2015? It sounds like you made the contribution for 2014. In what year did the conversion happen, 2014 or 2015? These details m...
by Duckie
Wed Jan 28, 2015 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth and 1099 Form
Replies: 3
Views: 352

Re: 30 yrs-old, married, looking for advice on our portfolio

csoyka , welcome to the forum. You have a desired AA of 90% stocks, 10% bonds (low), with 30% of stocks in international. That breaks down to 63% US stocks, 27% international stocks, and 10% bonds. You could have something like: Taxable at Vanguard -- $54K -- 67% 40% ( VTSAX ) Vanguard Total Stock ...
by Duckie
Wed Jan 28, 2015 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30 yrs-old, married, looking for advice on our portfolio
Replies: 3
Views: 621

Re: Roth IRA Backdoor and Marriage

Right, thanks - but suppose she sets up a traditional (deductible) IRA. In that case, post-marriage she'd be subject to taxation upon backdoor conversion because of the basis calculation. I'm wondering if that'd apply to me as well. Her TIRA would not affect your backdoor conversion. It would only ...
by Duckie
Wed Jan 28, 2015 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Backdoor and Marriage
Replies: 3
Views: 267

Re: What age did you move out?

I graduated college at age 21 and got married a few weeks later. Boom! Gone!

It took another ten years before I moved all my stuff out of the garage.
by Duckie
Wed Jan 28, 2015 7:11 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 4778

Re: Help with asset allocation placement- tax considerations

snowbldr , welcome to the forum. You have a Roth IRA at Vanguard worth around $20K and a new 401k plan worth around $0. What do you currently hold in the Roth IRA? What are the options in the 401k plan? List the names, ticker symbols, and expense ratios plus any extra fees. I have devised a pretty ...
by Duckie
Mon Jan 26, 2015 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation placement- tax considerations
Replies: 4
Views: 402

Re: Investment help for retirement accounts - NoVA2015

NoVA2015 wrote:Is there a spreadsheet that you use while rebalancing ?

I came across some online tools on vanguard and the morning start x-ray. but i was wondering if there is a tool that you use to arrive at these figures so quickly.

No spreadsheet. I just use a pencil and a calculator.
by Duckie
Mon Jan 26, 2015 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment help for retirement accounts - NoVA2015
Replies: 14
Views: 1519

Re: Seeking Help With Investments

If you would like you could download/view my profit sharing fund data sheets from the link below. The Moderately Aggressive fund would be suitable for your needs and fit the rest of your retirement portfolio. Thanks, could I use one single fund like ( VASIX ) Vanguard LifeStrategy Income Fund (0.14...
by Duckie
Mon Jan 26, 2015 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Help With Investments
Replies: 6
Views: 684

Re: Seeking Help With Investments

I did look at the LifeStyle funds and the LifeStyle Moderate Aggressive Growth Fund is 81/19 with 26% in international, so that one seems like it could be a good fit. That sounds like a decent option. It's more expensive than the Equity Index but it would be easier to work with. I have PDF's data s...
by Duckie
Sun Jan 25, 2015 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Help With Investments
Replies: 6
Views: 684

Re: MAGI too high for planned deduction of tIRA. Backdoor Ro

Rollover IRA $250k ROTH IRA $100k If I were to contribute and do a backdoor.... I would have to convert the entire Rollover amount and be taxed on $150k? You could: ⋅ Convert the $250K and pay a ton of taxes. Then use the backdoor method. ⋅ Roll the $250K into your employer's re...
by Duckie
Sun Jan 25, 2015 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI too high for planned deduction of tIRA. Backdoor Roth?
Replies: 11
Views: 915

Re: MAGI too high for planned deduction of tIRA. Backdoor Ro

If I convert to Roth, will I be paying tax on that $76.51? You'll be paying taxes on a lot more than that because of the pro-rata rule . For this example let's say the account doesn't gain or lose anything and there are no more contributions. Let's also say this is the only non-Roth IRA you have. U...
by Duckie
Sat Jan 24, 2015 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI too high for planned deduction of tIRA. Backdoor Roth?
Replies: 11
Views: 915

Re: Seeking Help With Investments

TJTrader620 , welcome to the forum. Tax Rate: 13.5% Federal, 4.25% State There is no 13.5% bracket. We need the marginal bracket not the effective rate. 1. I'm unsure if my current risk allocation is appropriate for my age, thoughts? 80/20 at age 28 is reasonable. 2. My traditional IRA is from a 40...
by Duckie
Sat Jan 24, 2015 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Help With Investments
Replies: 6
Views: 684

Re: Spreadsheet Question - Fees and Contributions

I found many online calculators that allow you to calculate the detrimental effect on asset based fees. However, I have not found one that allows to calculate those fees overtime while taking into account regular contributions. I can't help with the spreadsheet functions but here is a calculator th...
by Duckie
Sat Jan 24, 2015 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spreadsheet Question - Fees and Contributions
Replies: 2
Views: 440

Re: Investment help for retirement accounts - NoVA2015

I have about 194k in former employer 401k - if i bring that into the current 401k at once. i would be buying the four funds ( FXSIX, FSEVX,VTSNX,VBTLX) in bulk. What is the best way to spread/sprinkle this money in these four funds over time ? While i agree trying to time the market is a no-no. I t...
by Duckie
Sat Jan 24, 2015 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment help for retirement accounts - NoVA2015
Replies: 14
Views: 1519

Re: How should I invest 13k when I'm in college?

mortalministries , welcome to the forum. I have 8k a savings account and 5k in a CD. I was wondering the best way to long term invest in considering that I just want to start making money. What you do depends on a lot of things. ⋅ Did you have a job last year? Will you have one this year?...
by Duckie
Fri Jan 23, 2015 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I invest 13k when I'm in college?
Replies: 9
Views: 460

Re: IRA Advice Needed Please

I contribute about $5,000 per year to the Roth IRA but am now over the earning limit for contributing to a Roth. Any suggestions on what the best way to invest my $5,000 annual contribution?? I recommend the 
 Backdoor Roth IRA 
 method. It's a series of steps: ⋅ Open a Traditional IRA an...
by Duckie
Fri Jan 23, 2015 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Advice Needed Please
Replies: 4
Views: 471

Re: IRA to Roth Conversion + Tax Implications

equivestor wrote:If converting from a Traditional IRA to Roth IRA I don't think you have to pay a 10% penalty. Just the income taxes.

It isn't the conversion that creates the penalty. It's the withdrawal of $50K and only $40K being converted. The penalty is on the $10K not converted and not rolled over.
by Duckie
Thu Jan 22, 2015 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth Conversion + Tax Implications
Replies: 7
Views: 658

Re: Diversity b/t t-IRA and roth-IRA

I just opened up a roth ira (via back door) and wanted to know how different it should be from your traditional ira, with respect to what funds you place in them. I have index funds in my traditional and thought about buying the same funds in my roth, but then I started to wonder if that was divers...
by Duckie
Thu Jan 22, 2015 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversity b/t t-IRA and roth-IRA
Replies: 8
Views: 543

Re: Should I open a Roth IRA ?

So the $10,000 rule for 1st-time homeowner only applies to earnings, not contributions ? If you satisfy the five-year rule it applies to everything. See here . But since you won't satisfy the five-year rule it'll be like retiredjg wrote here . I know I have until April 15th to contribute for FY2014...
by Duckie
Thu Jan 22, 2015 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I open a Roth IRA ?
Replies: 25
Views: 1839

Re: What if I incorrectly fund my IRA/401k?

Am I will capped at contributing $5,500 max into tIRA in a year like a Roth? The maximum contribution for under age 50 is $5,500 to TIRA or Roth IRA or a combination. But no more than $5,500 to all. But if the money grows before I use the backdoor then it's ok to fund my Roth more than $5,500 that ...
by Duckie
Thu Jan 22, 2015 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if I incorrectly fund my IRA/401k?
Replies: 18
Views: 1620

Re: Should I open a Roth IRA ?

mistike , welcome to the forum. I'm close to the Roth IRA income limit. With my current income, I can contribute $1,200 to it for FY2014. I'm thinking of doing it, even though it doesn't seem much, if only so I have one if my income ever goes beyond the limit, and maybe use the backdoor process to ...
by Duckie
Wed Jan 21, 2015 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I open a Roth IRA ?
Replies: 25
Views: 1839

Re: What would you do in this scenario?

sgl , welcome to the forum. I'd go with 2. Pay car loan and heloc and fund Roth IRA's for 2015. You can then use the extra monthly cash (from two fewer bills) to pay extra on the mortgage, to live on while contributing more to employer plans, to invest in taxable, or a combination. Do you have a se...
by Duckie
Wed Jan 21, 2015 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would you do in this scenario?
Replies: 11
Views: 967

Re: What if I incorrectly fund my IRA/401k?

Open a Traditional IRA at the same custodian as your Roth IRA. I use VG, do they let me do this? Yes. What if I fund the TIRA at $5,500 and the money market pays $1 ... Can I convert $5,501 to the Roth in a single year? Yes. You are allowed to convert as much as you want. I only pay tax on the gain...
by Duckie
Wed Jan 21, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if I incorrectly fund my IRA/401k?
Replies: 18
Views: 1620

Re: [How To Get More Into My ROTH IRA?]

Is the $18,000 annual contribution limit include the company match? No. The match is on top of the $18K limit. It's part of the $53K limit. Is the $18,000 annual contribution limit include my $5,500 ROTH IRA contribution limit? No. Is there a way for me to contribute more to the ROTH IRA? And how? ...
by Duckie
Tue Jan 20, 2015 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: [How To Get More Into My ROTH IRA?]
Replies: 4
Views: 711

Re: Finally eligible for Comapny 401k (help choosing)

Debt: Her: School Loan $8000.00 at 4% Pay this off. Here are my new 401k choices at Vanguard: The best options are: Vanguard Institutional Index (0.02%) Vanguard Extended Market Index (0.08%) Vanguard Total International Stock Index (0.12%) Vanguard Total Bond Market Index (0.05%) My comments/quest...
by Duckie
Tue Jan 20, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally eligible for Comapny 401k (help choosing)
Replies: 6
Views: 437

Re: What if I incorrectly fund my IRA/401k?

I have my own company and have a 401k play but I do not have a traditional IRA. Do I need to set up some kind of SEP IRA to do this back door? It's a series of steps: ⋅ Open a Traditional IRA at the same custodian as your Roth IRA. . ⋅ Make your contribution. This will be a non-...
by Duckie
Tue Jan 20, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if I incorrectly fund my IRA/401k?
Replies: 18
Views: 1620

Re: What if I incorrectly fund my IRA/401k?

When you write about not qualifying for the Roth IRA based on income I assume you mean earning too much not too little. If that is the case you can always use the 
 Backdoor Roth IRA 
 method. You don't have to wait to find out if your income is too high. You can use the backdoor method even if you ...
by Duckie
Mon Jan 19, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if I incorrectly fund my IRA/401k?
Replies: 18
Views: 1620

Re: Was TurboTax Home & Business FREE for Flagship in 2013?

I haven't done it myself but for 2014 it looks like if you're Flagship you can get the Premier Desktop download version for free and then once that's done you can upgrade to the Home & Business version for around $10. See this post and this post. I know nothing about the 2013 prices.
by Duckie
Mon Jan 19, 2015 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Was TurboTax Home & Business FREE for Flagship in 2013?
Replies: 2
Views: 413

Employee Stock Options tax issue

For those of you who have employee stock options there is an article in the San Francisco Chronicle by Kathleen Pender you may find useful. How to avoid paying double tax on employee stock options Anyone who participates in an employee stock option or stock purchase plan at work could overpay their ...
by Duckie
Sun Jan 18, 2015 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employee Stock Options tax issue
Replies: 0
Views: 197

Re: IRA advice (Please) from 401k rollover

I have never heard of this before. Why would someone not be able to contribute to a Rollover IRA? You can. However, if you ever need to roll that Rollover IRA to an employer plan some plans are persnickety and insist on "conduit" IRAs (even though the IRS no longer requires "conduit&...
by Duckie
Sun Jan 18, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA advice (Please) from 401k rollover
Replies: 7
Views: 552

Re: Need some financial advice after just purchasing a new h

WHL wrote:That's a lot of debt :shock:

There's no way I would try to have a kid and lose that second income until the majority of that debt is paid off.

Yeah, but "mid to late thirties" means she's running out of time. Some things are more important than money.
by Duckie
Sun Jan 18, 2015 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need some financial advice after just purchasing a new home
Replies: 15
Views: 2025

Re: Tax documents for pension lump sum, suit settlements?

When you say "put the types and amounts on Form 1040 Line 21 (Other income)," looking at the 1040 instructions for line 21, that leads me to publication 525, and on pg 29 of the 2013 version there is a category called "court damages and awards." I have done it on paper and on Li...
by Duckie
Sun Jan 18, 2015 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax documents for pension lump sum, suit settlements?
Replies: 3
Views: 442

Re: IRA advice (Please) from 401k rollover

Russelleverett wrote:My wife does have a pension through the school she works at.

Many schools offer 403b plans. Have your wife check with her employer.

What would be a good AA for me to look for?

I'd recommend an AA of 75% stocks and 25% bonds. (VTHRX) Vanguard Target Retirement 2030 Fund (0.17%) would work.
by Duckie
Sun Jan 18, 2015 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA advice (Please) from 401k rollover
Replies: 7
Views: 552

Re: Guidance Greatly Appreciated

CPR , welcome to the forum. You have an AA of 80% stocks, 20% bonds, with 20% of stocks in international. That breaks down to 64% US stocks, 16% international stocks, and 20% bonds. You could have: Taxable at Vanguard -- 14% 10% ( VTI ) Vanguard Total Stock Market ETF (0.05%) 4% ( VXUS ) Vanguard T...
by Duckie
Sat Jan 17, 2015 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Guidance Greatly Appreciated
Replies: 4
Views: 487

Re: Tax documents for pension lump sum, suit settlements?

This year I took a pension from a previous employer as a lump sum payout, and the amount was transferred into a rollover IRA at a brokerage firm (I never saw a check and no tax was taken out as far as I know). Will I receive some tax document for this, and/or do I need to document it as formerly a ...
by Duckie
Sat Jan 17, 2015 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax documents for pension lump sum, suit settlements?
Replies: 3
Views: 442

Re: Portfolio Checkup?

We may consider having her do some consulting and start a Solo 401k and do a rollover that way. Not sure what that would entail or if there are any gotchas there though (like, if she actually has to have income...). Yes, she would have to have net income in order to contribute something to the solo...
by Duckie
Sat Jan 17, 2015 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup?
Replies: 11
Views: 1061

Re: A quick poll--pension annuity vs. lump sum

I chose the pension annuity. Within the first five years they paid me more than the original lump sum amount. And since that happened just before the recession I came out way ahead.
by Duckie
Fri Jan 16, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3693

Re: Portfolio Checkup?

tqb , welcome to the forum. My wife is a SAHM and we've been contributing $5500 to her IRA, since it only seems "fair." However, it's non-deductible and since it is after tax contributions, we have to file the appropriate paperwork. Should we bother doing this? Seems like we should just k...
by Duckie
Fri Jan 16, 2015 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup?
Replies: 11
Views: 1061

Re: Rebalancing/reallocating 401k strategy

Her 401k 34.54% VBTIX (.07%) Income 12.75% VITSX (.04) large cap 10.24% SEQUX (1.02%) large cap 6.89% VIIIX (.02%) large cap 5.89% VSCPX (.06%) small cap 4.8% FSPNX (.095%) international stock 2.98% VMCPX (.06%) Mid cap 8.74% FIDELITY DIVERSIFIED INSTITUTIONAL UNITIZED (.61%) International Stock 13...
by Duckie
Fri Jan 16, 2015 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing/reallocating 401k strategy
Replies: 2
Views: 337

Re: IRA advice (Please) from 401k rollover

Russellevertt , welcome to the forum. Looking for guidance on how to invest my 401k rollover. I moved to a different employer and need to rollover my 401k. My new employer doesn't offer a 401k or anything at this time. I will be rolling it over from PNC and have approximately 23,000 to roll over an...
by Duckie
Fri Jan 16, 2015 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA advice (Please) from 401k rollover
Replies: 7
Views: 552

Re: Investment Advice

razzledazzle , welcome to the forum. Current Investment: Brokerage accounts: ~$180 in stocks. Plan to hold long term. ~90% in financials. Is that $180.00 which is irrelevant or $180,000.00 which is significant? Rollover Roth/IRA ~$17k Vanguard Intermediate-Term Treasury Fund Investor Shares ~$35k V...
by Duckie
Fri Jan 16, 2015 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 16
Views: 1778

Re: Need Advice Please (We are Novices and Plans all over)

Please review and make recommendations as necessary. Do I need Mid/Small Cap Funds? Your AA of 50/20/30 is reasonable. Your proposed portfolio is a lot more complicated than it needs to be. You don't need Growth Index because that's already contained in Total Stock. You are seriously overweighting ...
by Duckie
Fri Jan 16, 2015 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice Please (We are Novices and Plans all over)
Replies: 9
Views: 1257

Re: New 401(k) plan, and question re: FutureAdvisor.com

Given the 401k options and expenses and the expectation to stay only a couple of years, I would choose Voya index Plus LargeCap (0.90%). To educate myself, can I ask why you might choose that over the Strategic Allocation portfolio? Given my shorter time horizon for this specific account, while I k...
by Duckie
Fri Jan 16, 2015 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) plan, and question re: FutureAdvisor.com
Replies: 6
Views: 749

Re: New 401(k) plan, and question re: FutureAdvisor.com

SS11201 , welcome to the forum Which funds should I chose in the 401(k), assuming I keep all my holdings at Vanguard in VITVX? (or not, see Question 2 below) Given the 401k options and expenses and the expectation to stay only a couple of years, I would choose Voya index Plus LargeCap (0.90%). I re...
by Duckie
Thu Jan 15, 2015 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) plan, and question re: FutureAdvisor.com
Replies: 6
Views: 749

Re: Looking for advice / total financial picture

I am especially interested for you to share any experiences that may help me understand how you weight future pension payments with asset allocation. I am still working to understand how pension affects my asset allocation. Some people think of a pension as a (potential) bond which means they feel ...
by Duckie
Thu Jan 15, 2015 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice / total financial picture
Replies: 5
Views: 1269

Re: Is 2015 the year for me to open a Roth IRA?

INTRESIS wrote:Wait, so in terms of the annual limit on a Roth IRA being $5,500, is that limit for each year from Jan.-Dec. or each year from May-April?

You are allowed to contribute to a 2014 Roth IRA until April 15, 2015. You are allowed to contribute to a 2015 Roth IRA from January 1, 2015 to April 15, 2016.
by Duckie
Thu Jan 15, 2015 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 2015 the year for me to open a Roth IRA?
Replies: 11
Views: 679

Re: Is 2015 the year for me to open a Roth IRA?

INTRESIS , you have $12K minus $10K for an emergency fund which leaves $2K. Additional $13.3K coming in over the year. You will need $15.5 for loans/surgery. With the available $2K you have enough coming in to cover it, barely. So what you could do is put $5.5K of your emergency fund in a Roth IRA....
by Duckie
Thu Jan 15, 2015 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 2015 the year for me to open a Roth IRA?
Replies: 11
Views: 679
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