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Re: help with commingled Rollover Ira to Roth conversion

The employer needs to abide by both the law and the plan documents. If the plan documents say they will only accept rollovers if the IRA is titled "Rollover IRA" then that's what they'll do. They could change the plan to say something else, but if they haven't they haven't. The law that l...
by ren20
Wed Oct 23, 2013 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with commingled Rollover Ira to Roth conversion
Replies: 23
Views: 1194

Re: help with commingled Rollover Ira to Roth conversion

The employer needs to abide by both the law and the plan documents. If the plan documents say they will only accept rollovers if the IRA is titled "Rollover IRA" then that's what they'll do. They could change the plan to say something else, but if they haven't they haven't. The law that l...
by ren20
Wed Oct 23, 2013 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with commingled Rollover Ira to Roth conversion
Replies: 23
Views: 1194

help with commingled Rollover Ira to Roth conversion

earlier the year I rolled over my 401k money from my past employer to vanguard rollover IRA. Without doing much research I have since made contribution (post-tax) to the rollover Ira account as well. Only recently I've found this account is commingled. I can no longer move the money to my current em...
by ren20
Wed Oct 23, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with commingled Rollover Ira to Roth conversion
Replies: 23
Views: 1194

Re: short term goal, please help planning my portfolio.

Okay. having some reading ahead of me.

I will call to find out all the details regarding after tax contribution as well as rolling the old 401k from vg to jpm.
by ren20
Fri Aug 09, 2013 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

Re: short term goal, please help planning my portfolio.

hey Pingo, Thanks for the info. I have updates for you. 401k is maxed out, and looks like company matching didn't hit 50%. So I assume the bonus contribution did affect the match. I can call to find out. I rolled the old 401k over to vanguard rollover ira. I no longer am eligible for roth, so my con...
by ren20
Thu Aug 08, 2013 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

Re: short term goal, please help planning my portfolio.

answers to your questions 1. The link reveals my employer. But I can host the pdf else where. Will update when it's done. 2. Provider is JPmorgan. tho the data sheet says blackrock in the header. 3. I couldn't find the related information on the provider's website. will call to find out. it would be...
by ren20
Fri Feb 01, 2013 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

Re: short term goal, please help planning my portfolio.

Pingo, Are you suggesting I should keep all in target date retirement fund? That's one of the area that's also confusing me. I have target date in my Roth, Then 3 funds in my rollover ira. Do I treat them as two separate accounts? I guess my question is, since I have 3 accounts for retirement fund. ...
by ren20
Thu Jan 31, 2013 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

Re: short term goal, please help planning my portfolio.

Thank you. They aren't nice if the owner couldn't unitize them. :)

I've began actively monitoring my portfolio not long ago. I felt like I made a big mistake with my old 401k. I left them as they were for too long, 3 years.
by ren20
Wed Jan 30, 2013 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

Re: short term goal, please help planning my portfolio.

I've also updated my fund list for my current 401k. Could you guys also give me suggestion on how I am doing there? I simply picked the life path 2050 fund when I started. Also updated original post. Vanguard Prime Money Market-Inst ___VMRXX____________0.09 Galliard Stable Value Managed Income Fund_...
by ren20
Wed Jan 30, 2013 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

Re: short term goal, please help planning my portfolio.

Just rolled the old 401k over to vanguard. Their Rep was very helpful, guided me thru every step. That will simplify things up a bit for me. I have total bond index 20%, total stock market 50%, and total international index 30% in the rollover IRA. Does this conflict my roth ira? I have a target ret...
by ren20
Thu Jan 10, 2013 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

Re: short term goal, please help planning my portfolio.

Thank you for the input. I am also wondering if it's really a good time to buy a house? i understand the interest rate is low. This is gonna be the biggest purchase of my life. It's exciting also intimidating. At this rate, I will probably be able to save up enough by the end of the year. I can't fi...
by ren20
Wed Jan 09, 2013 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

short term goal, please help planning my portfolio.

Hi, Up until this point, I only invested in 401k, vanguard roth, I am 29yr old, single. I hope I can learn more about investment from the community here. here's my break down. Have emerg. fund 6 months. credit card Debt: $2000( will pay off very soon) student loan: $6134@2.3% tax filing status: sing...
by ren20
Tue Jan 08, 2013 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: short term goal, please help planning my portfolio.
Replies: 21
Views: 2170

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