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Sorry for the delayed response. Just closed on a house 2 weeks ago and am working hard. Ruralavalon, thank you! I chose to stick with what you recommended. So far I have already invested $2700 and am happy with it. I am happy I took your advice as I needed the extra cash for all the fees and bills t...

Thanks Pete! Could you clarify what you mean when you say “Yes” in the beginning in response to whether or not I should use the traditional 457b and “So if we assume for now that a Roth (after-tax) account is right for you (it might be)”? Are you saying I should use the Roth 457b or Traditional 457b...

Slimshady, I'll contact the board of the NYSDCP as well. thanks for the suggestion. I would also like to reduce the number of funds. How do you like the passive International Index? What do you think about what petrico said about the international index: "A bigger issue is in the international ...

ruralavalon, Thank you so much. I read everything you suggested. I don't have any other investments ( except the fact that i'll be closing on a $225K house soon - i have already $60K for down payment ) Yes, after reading those articles, I would like to have my AA for 20% in bonds and 80% in stocks. ...

Hello All, I'm 26, and have 6 months with New York State civil service. My salary is currently $37K and will max out at $58K. I also plan to stay with NY state until retirement. I'm contributing to NY's deferred compensation plan (457b), which is like a 401k. I'm extremely new to investing and need ...

JW, thank you for your advice and for clarifying my errors. In a sense, can't I control my income because I don't have to take out more than the RMD requires. Even if I had $1 million in my 457b I would only have to take out around $36.5K a year (1 million/ 27.4 (the distribution period for age 70.5...

Thanks again for everyone's help and clarification! Duckie, I do pay into social security. Sometimesinvestor, I do have some questions about the group of funds, and i'll post that later on. Yes, I have several Vanguard options and I'm happy about that. ------ JW, isn't an important question how much...

Thank you all for your help. Sorry it took so long to reply - I read everything that you guys suggested and gave it a lot of thought. Honestly, after all that reading I feel a lot more knowledgeable, but I admit that I am still confused. I have many questions; please forgive me if they are not in lo...

i'm sorry linuxuser, but could you clarify why the pre-tax is a better choice for me than after-tax if i'll only be taxed at 15% by choosing after-tax? Thanks

thanks guys.

That makes sense JW. Roth seems like the choice. I forgot about the standard deduction and exemption.

I read the article linuxuser. thanks. So since i'll be taxed at 15% due to my salary why do you recommend pre-tax?

Hello, I'm extremely new to investing and need all the help I can get. Any information would be greatly appreciated. Some stats: I'm 26, and have 6 months with New York State civil service. My salary is $37,000. I plan to be contributing to deferred compensation until retirement (which will be in a ...