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Re: Vanguard 529 Plan or PA 529 or other?

This site seems to have a lot of information regarding 529 plans including comparisons:

http://www.collegesavings.org/index.aspx
by squidler4
Thu May 02, 2013 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 Plan or PA 529 or other?
Replies: 21
Views: 1161

Re: Should I convert Traditional IRA to Roth?

While this is very unbogleheadish advice, I think this is an instance where one can actually use market timing. If your contributions are after tax, you would pay tax only on the earnings when you convert. Why not wait until the market is down and the earnings are a lower percentage? Granted the ma...
by squidler4
Mon Apr 08, 2013 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert Traditional IRA to Roth?
Replies: 15
Views: 1482

Re: Should I convert Traditional IRA to Roth?

Thanks Kaneohe for replying, Yes II have filed 8606 forms since the beginning but I have never accumulated them to determine how much I have contributed vs how much is gain. I will have to do this. I am not sure what you mean here.........each 8606 builds on the previous history so you should only ...
by squidler4
Mon Apr 08, 2013 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert Traditional IRA to Roth?
Replies: 15
Views: 1482

Re: Help Rebalancing Retirement Accounts

A few comments: 1. "Age: 49/48" and "We plan to retire in 1 & 2 yrs respectively. We will max out contributions for all accounts in 2013 & 2014 or $45,000 per year and $22,500 in 2015." Numbers look a bit off to me. One of you will perhaps turn 50 this year, so can max o...
by squidler4
Sat Apr 06, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Rebalancing Retirement Accounts
Replies: 2
Views: 531

Help Rebalancing Retirement Accounts

I would like some advise on rebalancing mine and my wife's retirement accounts. : Emergency fund - 1yr Debt: Mortgage $310,000 12 yrs remaining @ 3.75% - No other debt Tax Status: Married filing Jointly Tax Rates: 33%/9.3% State: CA Age: 49/48 Desired Allocation: 65% stock /35% bond International Al...
by squidler4
Fri Apr 05, 2013 1:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Rebalancing Retirement Accounts
Replies: 2
Views: 531

Re: Should I convert Traditional IRA to Roth?

How much of the total is taxable? Do you have 401(k) or similar plans? If so, check to see if they will accept rollovers from IRAs. That's a way to move taxable amounts out of the way to perform tax-free conversions and backdoor Roth from that point on. Brian Good question. I have a 457b through IC...
by squidler4
Thu Apr 04, 2013 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert Traditional IRA to Roth?
Replies: 15
Views: 1482

Re: Should I convert Traditional IRA to Roth?

I am new to this forum have been reading a lot about converting IRA's and backdoor Roth's. I wasn't aware that the limitations were lifted in 2010 to be able to convert a traditional IRA to a Roth IRA until I read this forum. My wife and I have $190,000 combined in separate Traditional IRA's at Van...
by squidler4
Thu Apr 04, 2013 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert Traditional IRA to Roth?
Replies: 15
Views: 1482

Re: Should I convert Traditional IRA to Roth?

What's the breakdown of His vs Her IRA values? Might make sense to do a smaller one. Do you have taxable accounts? Taxable investing in your tax bracket is relatively expensive, especially in CA. Would argue for doing conversions now. Do you plan to retire in a different state? Many states exempt I...
by squidler4
Thu Apr 04, 2013 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert Traditional IRA to Roth?
Replies: 15
Views: 1482

Should I convert Traditional IRA to Roth?

I am new to this forum have been reading a lot about converting IRA's and backdoor Roth's. I wasn't aware that the limitations were lifted in 2010 to be able to convert a traditional IRA to a Roth IRA until I read this forum. My wife and I have $190,000 combined in separate Traditional IRA's at Vang...
by squidler4
Wed Apr 03, 2013 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert Traditional IRA to Roth?
Replies: 15
Views: 1482

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