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53 year old with retirement plan. help please!

Hello, I am posting for my mother; she single-handedly raised my sister and I and because of this she was never able to save for retirement. However, she wants to start now. She recently came into some money: $150k and she wants to see what she can do to maximize it for retirement. so any help would...
by ks1773
Wed Aug 21, 2013 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 53 year old with retirement plan. help please!
Replies: 4
Views: 637

Re: Not maxing TSP (401k) but putting some in ROTH IRA?

If it was me, I would put $5000/yr into the Roth IRA so that you have access to asset classes that are not available in TSP (TIPS, Value tilt, REIT, Emerging Markets, International Small). If you are comfortable with S&P 500 (C), Completion Index (S), and Developed Markets (I) plus G and F Fund...
by ks1773
Fri Dec 28, 2012 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not maxing TSP (401k) but putting some in ROTH IRA?
Replies: 15
Views: 3417

Re: Not maxing TSP (401k) but putting some in ROTH IRA?

Should I contribute about 12500 to my TSP and max ROTH IRA at 5000 ? or should I put the full 17500 in my TSP ? These two are not equivalent. You would be saving more in the first case. by not equivalent, you mean because ROTH IRA is post-tax right? Yea I do realize that. The TSP is now also availa...
by ks1773
Fri Dec 28, 2012 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not maxing TSP (401k) but putting some in ROTH IRA?
Replies: 15
Views: 3417

Not maxing TSP (401k) but putting some in ROTH IRA?

Hello, I have a quick question regarding TSP (401k gov) + Roth IRA. Should I contribute about 12500 to my Trad TSP and max ROTH IRA at 5000 ? or should I put the full 17500 in my TSP ? contributing 12500 would ensure that I am in the lower tax bracket (25%) and no matter how much I contribute I woul...
by ks1773
Fri Dec 28, 2012 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not maxing TSP (401k) but putting some in ROTH IRA?
Replies: 15
Views: 3417

23 year old, need financial advisement

Hello, I have been working for about a year now and have decided to become serious with my finances. I have read several posts in this forum and also The Boglehead’s Guide to Investing , but I definitely still feel like a “newb” to the investing world. I have listed the details of my current state b...
by ks1773
Sun Aug 19, 2012 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old, need financial advisement
Replies: 4
Views: 769

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