Delayed Gratification wrote:Since I’ve switched from investing in the Roth to the 401K I haven’t been really sure about how to keep the asset allocation on track.
eiggub wrote:I’m currently maxing out my retirement plans (403b, Backdoor Roth, HSA, SEP IRA & taxable account) in Vanguard index funds with 20% of income. I also recently bought a home with previous savings to build equity and to get the mortgage interest deduction.
retiredjg wrote:A person with a SEP IRA should not be doing back door contributions to Roth IRA because the SEP IRA is involved in the tax calculation. Are there two of you?
Tamales wrote:Thanks Pingo, yes I'll work all those other aspects out on my own, and if I get stuck I'll ask a specific question.
feh wrote:What are folks thoughts on AIANX? It's available in my 401K and I'm thinking about taking a position in it...
pingo wrote:It might be a wee off-topic, but I would have no problem using AIANX if I simply had to have inflation-protected bonds. I haven't read much on the subject, but I *think* there is practically zero alpha to be had by active management in the inflation-protected bond arena, so costs are even more crucial. So, I could live with ER 0.26% if TIPS were a must-have or if I had to hold bonds in the 401k and AIANX were the most reasonable 401k bond option.
feh wrote:I'm considering it because I'm 2 years from retirement (when folks seem to think TIPS start to make sense), and I don't have any TBM funds in my 401K.