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Re: High-Fee 403(b) Plan vs. Taxable Account

Thank you both for following up. All of what you said makes sense, and I will make the necessary adjustments to rebalance as you have suggested.
Regards,
Ilan
by iat24
Tue Feb 12, 2013 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: High-Fee 403(b) Plan vs. Taxable Account
Replies: 8
Views: 800

Re: Income Limit on Roth IRA Contribution

That is very helpful. Thank you for the info.
by iat24
Tue Feb 12, 2013 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Income Limit on Roth IRA Contribution
Replies: 10
Views: 2549

Re: High-Fee 403(b) Plan vs. Taxable Account

Thanks Taylor and dickenjb for your responses. Taylor, I have read a lot of your posts and appreciate you sharing your insights gained from years of investing. I read through the Valic TSA plan and calculated the actual ER to be 1.44% - comprised of 1) 0.16% on underlying LifeStrategy Moderate, 2) 1...
by iat24
Mon Feb 11, 2013 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: High-Fee 403(b) Plan vs. Taxable Account
Replies: 8
Views: 800

Re: Income Limit on Roth IRA Contribution

Thanks all. With respect to a backdoor Roth, I have read some people say to wait a certain period before converting from a traditional to a Roth. I assume the longer one waits, the higher the chance of paying more tax upon conversion. Is there a minimum number of days to wait before making the conve...
by iat24
Mon Feb 11, 2013 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Income Limit on Roth IRA Contribution
Replies: 10
Views: 2549

Re: High-Fee 403(b) Plan vs. Taxable Account

That is very helpful. Thank you, David. I wasn't aware that taxable investments (ignoring any realized capital gains) were that much more costly. I had been looking at the tax cost ratio for a couple of index funds, seen they were low, and thought that might offset the higher fees. Can you please ex...
by iat24
Mon Feb 11, 2013 7:12 am
 
Forum: Investing - Help with Personal Investments
Topic: High-Fee 403(b) Plan vs. Taxable Account
Replies: 8
Views: 800

Re: Income Limit on Roth IRA Contribution

Thank you to each of you for the response. All help answer my question. I will max out my 401(k), wait until after year-end before contributing to my Roth, and not DCA during the year.
by iat24
Mon Feb 11, 2013 7:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Income Limit on Roth IRA Contribution
Replies: 10
Views: 2549

Income Limit on Roth IRA Contribution

Hi everyone, I am starting a new job soon and have a question regarding the income limits when contributing to a Roth IRA. My salary will have a high variable component, so I won’t know until the end of the year what my MAGI for 2013 ends up being. If I would like to max out my Roth IRA (as opposed ...
by iat24
Sun Feb 10, 2013 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Income Limit on Roth IRA Contribution
Replies: 10
Views: 2549

High-Fee 403(b) Plan vs. Taxable Account

Hi everyone, This is my first post on the forum, but I have learned a lot and appreciated reading it over the past couple years. I help my mom with her investments, and I would appreciate any input/advice on the following. She is 53, works at a private school, and has roughly $50K invested in her 40...
by iat24
Sun Feb 10, 2013 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: High-Fee 403(b) Plan vs. Taxable Account
Replies: 8
Views: 800

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