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Good research. All you are missing is that you have to have a larger amount of money than the $3000 miminums to get the lower ER, typically $10,000 per fund but more in some cases. When those staple funds above exceed $10,000 they will qualify for "admiral shares." VTSAX (ER=0.07) instead...

Wow... I started my Roth IRA before I left the US and have had a small amount of money coming out of my bank account every month... I will have to take a second look at how I report my income. This is all a bit new to me and I will have to speak with my accountant regarding this situation. Thank you...

What I mean is that you are not allowed to contribute to an IRA in one year more than you made in taxable earned income that year. Excluded income does not count as taxable earned income, so unless you have some un-excluded earned income (wages, salary, etc. -- not interest or investment income), t...

Regardless of if you have any non-foreign excluded earned income in 2013, you should consider converting some Traditional -> Roth while you have an effective 0% tax rate. Would this be a worthwhile idea? Would it even work that way? Due to my excluded funds, would I be classified as having a 0% tax...

When you get to where you have a fairly large portfolio it is probably worth it to make your own TR fund out of the 3 individual funds to save yourself 0.1% on the expense ratio. The TR combined funds are about 0.1% higher ER. Very little work to rebalance every couple of years. JW When you say the...

While I'm on the topic of Funds, I should ask about some other funds I have. I have some money in Apple Stock from an Employee Purchase Program, and I also have some other stocks in another brokerage account. In total, these equal about (at current market value) ~ $16,000. Now I don't know much abou...

One thing to be aware of, Vanguard won't allow you to open accounts with an address outside of the US. So don't try to open any that way. If that's your situation, say so and people can suggest other options. Brian Appreciate this comment! I already knew that and will be signing up under my parents...

If you like the AA in TR 2050 then it will be fine in both the Rollover and the Roth IRAs. Especially if you have a "small amount". Emergency funds: Almost all my money is in cash (in RMB, but I do have about $30,000 in case of emergency) What is "RMB"? Are you in China? Current...

I have accumulated a small amount of money in some retirement funds from putting some money in a Roth IRA and a previous employers 401k. I will be bringing both of these accounts to Vanguard to develop a retirement portfolio for myself which will work for me. Currently, I don't know much about the f...

Your foreign earned income exclusion is all or nothing and so is your foreign housing exclusion, if any. But you must have earned income that is NOT excluded to make any IRA contribution. If you do have such income, you are probably in a low marginal bracket, so a Roth IRA would be the way to go. I...

I'm working outside of the US and due to my salary I don't have to pay any tax inside the US (If you make under ~90,000, then your exempt). My question is this: I have a Traditional IRA and a Roth IRA. Because I don't pay taxes right now, would it be better to be placing my money in the Traditional...

Dear Bogleheads, This is my first post, but I'm currently in the process of switching some old investments from multiple accounts into Vanguard to better manage my money. I will ask later regarding my financing questions later. I currently have a tax question related to IRAs. I'm working outside of ...