I usually contribute to my Roth IRA at Vanguard in January ($6,500 for 2013). I generally invest in Vanguard's high-yield bond, REIT (VNQ) or TIPS funds, all funds I want to hold in a tax-sheltered account but that aren't available in my 401(K).
All three funds have done so well that they're pretty fully-priced. Should I:
1) Buy one or more of them anyway as my Roth contribution this year.
2) Is there another good fund worth owning in a tax-sheltered account that isn't as fully priced?
I was thinking about buying GNMA, but yield has really dropped. I read about Vanguard's international REIT, VNQI, on a thread here. I don't have any international real estate exposure, just domestic through VNQ and my mortgage on a NY co-op (but I consider that my home more than an investment).
I know this is a small amount, but any suggestions would be very welcome, so I don't spend too much of 2013 waiting for inspiration to strike!
Thanks,
lynneny
