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The amount of "space" in a tax-favored account is limited....somoneone might have $100K in a Roth and $200K in a taxable account, for example. What types of investments should be avoided in tax-favored investment accounts rather than taxable investments accounts? And vice versa? For exampl...

So I know we can contribute $17,500 to a 401k. I understand that after that $17,500, you can elect to contribute more--up to $50,000. My question is: what is the difference between after-tax contributions and a contributions to a Roth IRA (which has a $5,000 limit)? In both, you've already paid the ...

I'll certainly look into it.

Btw, why would doing a 401k->Roth conversion be a bad idea in my tax bracket? I am still pretty young and all signs point to taxes going up rather than down in the future, so I figure it is a wise decision.

Hi all, Quick question: I had money in my old employer's 401k (University of California system, via Fidelity). Some of my funds are "institutional class," which means they are basically identical to normal Fidelity funds, but have lower expense ratios. For example: My UC FSKTX is basically...

Did a search with some different terms and figured it out: Basically, if you contribute to a Roth and later realize you are over the income limit, you can "recharacterize" the Roth IRA to a tIRA using an IRS form. However, since this sounds like a pain, I think I will just create a tIRA, c...

Hi! Quick question for the amazing folks on this board (really, people out here know a lot!): If I add $5,000 to my Roth IRA today, but then discover at the end of the year that my income is greater than the $125,000 limit for contributing to a Roth, what happens? I'd like to put money in the Roth A...

So I've been reading about ETF's lately. I know mutual funds make their money by charging a management fee. But ETF's such as iShares charge no trading fee, and there is no management fee. Which sounds great, but then, how do ETF's make money? "If it's too good to be true it probably is".....

Hi! I have a Roth TSP. The limit is $17,000 / year. Money is deducted from my paycheck and goes directly into the Roth TSP. Can I add money to the TSP by just writing a check and depositing it into my TSP account (as you might do to fund a savings account)? Or can you only add funds to the TSP as a ...

Thanks for the replies thus far, folks! To answer your question: my former employer only offered 401k as an option, so I had no choice but to go with it. My new employer offers the TSP and Roth TSP. What makes matters complex is that they actually will match 5% of my salary, but they force you to pu...

Hi all, I know that if I contribute $17,000 to a 401k, I can also contribute $5,000 to a Roth IRA. But what about a 401k and a Roth TSP? I had a 401k at my old job earlier this year, and contributed $7,000 (PRE-tax dollars) since January 2012. Switched jobs and now have a Roth TSP (limit is $17,000)...