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Re: new investor help

What are good funds for intermediate needs? I'm trying to keep it as simple as possible without worrying about it. For money needed in fewer than five years (including emergency funds) use a mix of savings accounts, money market accounts, CDs, and 
 I Savings Bonds through Treasury Direct . For mon...
by jor
Tue Jul 30, 2013 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: new investor help
Replies: 9
Views: 621

Re: new investor help

That's a pretty nice savings amount for someone your age and you seem to have a pretty good grasp on what you are looking to achieve. Congratulations on that. Remember you do need to have earned income in order to use a Roth IRA. I assume you do since you have listed your federal tax rate. Do you h...
by jor
Sat Jul 27, 2013 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: new investor help
Replies: 9
Views: 621

Re: new investor help

jor , is the $12K for long-term retirement investing or something else? You can contribute up to $5.5K to a Roth IRA for 2013 if you had enough in job income. You could put it in ( VTHRX ) Vanguard Target Retirement 2030 Fund (0.17%). It has close to the AA you want. Then save the rest in taxable f...
by jor
Fri Jul 26, 2013 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: new investor help
Replies: 9
Views: 621

Re: new investor help

I'm assuming the 12k saved is not part of your emergency fund, correct? No, you would not want the bond fund in a taxable account. They would be need to be placed inside of the Roth. And the Total US and Total International funds would go into the taxable account in their proper amounts respectivel...
by jor
Fri Jul 26, 2013 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: new investor help
Replies: 9
Views: 621

new investor help

Hey everyone first time poster looking for some help about investing I recently graduated from school and will be entering grad school in the fall. Probably won't have a full time job for another 2-3 years. I work two part time jobs and save enough for tuition while living at home to cut costs. I ha...
by jor
Fri Jul 26, 2013 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: new investor help
Replies: 9
Views: 621

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