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Re: ROTH IRA Cash Contribution?

I did some research and it looks like the answer to my own question is a Vanguard Money Market fund (within my roth IRA obv), unless I am missing something.
by gane
Tue Mar 12, 2013 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Cash Contribution?
Replies: 4
Views: 395

ROTH IRA Cash Contribution?

I have contributed 3k out of the 5k limit this year to the Vanguard total stock market index. It is at a 52 week high and rising, I'm not sure if I want to dump the additional 2k to meet my max at the highest price it has been all year. I have read you can simply contribute to your ROTH IRA account ...
by gane
Tue Mar 12, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Cash Contribution?
Replies: 4
Views: 395

Re: Total Stock Index + Small Cap?

Thanks all! It seems the more I read the more it confirms that the 3 fund portfolio (total stock/international/bond) is the way to go. I guess I just like reading/learning about all this investing stuff and want to spice it up beyond that!
by gane
Fri Feb 08, 2013 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Index + Small Cap?
Replies: 12
Views: 1320

Total Stock Index + Small Cap?

I'm 25. I just opened my first fund through vanguard for my ROTH IRA. I decided to go with the Vanguard total stock market index investor shares. I'd like a little more "reward" that could be more aggressive/risky. I keep reading how popular the TOTAL STOCK index/ total international index...
by gane
Thu Feb 07, 2013 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Index + Small Cap?
Replies: 12
Views: 1320

Re: What exactly is an ETF?

Assuming you purchased your Vanguard fund directly through Vanguard, you did not make a mistake. VTSMX is the investor share class of the Vanguard Total Stock Market Index fund. Investor shares have a higher expense ratio and lower dividend than VTI ETF or VTSAX Admiral shares. VTI and VTSAX have t...
by gane
Mon Feb 04, 2013 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: What exactly is an ETF?
Replies: 8
Views: 674

Re: What exactly is an ETF?

Read the Bogleheads wiki, which has more information on ETFs in general and Vanguard ETFs specifically: http://www.bogleheads.org/wiki/ETF Thanks chipmonk. I guess ETFs are not an option for me at the moment because you have to buy large orders in bulk? I see no minimum listed on the ETF so I'm not...
by gane
Mon Feb 04, 2013 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: What exactly is an ETF?
Replies: 8
Views: 674

What exactly is an ETF?

What is the difference between these two funds? Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) Vanguard Total Stock Market ETF (VTI) The ETF has a much lower expense ratio and higher dividends... I purchased 3k VTSMX two days ago based on extensive research and suggestions (almost al...
by gane
Mon Feb 04, 2013 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: What exactly is an ETF?
Replies: 8
Views: 674

Re: Pay off Car or Start ROTH IRA?

How low is your income? It may be more beneficial to first open with a Traditional IRA, since contributions lower your 2012 AGI, which could qualify you for a large "Savers Credit", up to a 50% match on up to $2,000 contributed if your AGI is below $17,250, which you may not otherwise get...
by gane
Mon Feb 04, 2013 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off Car or Start ROTH IRA?
Replies: 14
Views: 1686

Re: Pay off Car or Start ROTH IRA?

WHL wrote:I would absolutely contribute for the 2012 Roth IRA, then pay off the vehicle, then fund your 2013 Roth IRA.

Can't miss contribution years!


Thanks! This is the exact plan I'm thinking as well.
by gane
Sat Feb 02, 2013 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off Car or Start ROTH IRA?
Replies: 14
Views: 1686

Pay off Car or Start ROTH IRA?

I have been paying off my car loan aggressively (approx $2k/month). I have about 12k left, which will bring me to around June/july when it's paid off. %3.9. This is a couple of months past the April cutoff to get in $5000 for a roth IRA. I planned to open my ROTH IRA after I pay off my car loan, but...
by gane
Fri Feb 01, 2013 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay off Car or Start ROTH IRA?
Replies: 14
Views: 1686

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