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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

That is very helpful. Thank you for the info.

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...

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...

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...

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.

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 ...

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...