The difference was explained by respondents in your other thread. Don't do it.boston2013 wrote:we should roll her 401k into a Vanguard IRA when the year ends? There will be no difference from a tax point of view to leaving it in the 401k but more investment options with lower er. Is this correct?
1. My wife just stopped working, we should roll her 401k into a Vanguard IRA when the year ends? There will be no difference from a tax point of view to leaving it in the 401k but more investment options with lower er. Is this correct? My quick glance at your portfolio is that you do not have a traditional IRA now. Is that correct? It looks like you have Roth IRAs. IF this is correct you may wish to keep the old 401k money where it is to keep open the option of backdoor Roths.
2. I like the three fund style of investing. What is the best way to work the fidelity 401k into this with the available funds? I need a little more time to look over your funds.
3. I have never paid any attention to tax efficiency while investing but we are in such a high tax bracket that we might really benefit from it. What’s the best way to achieve this? Generally you just want to keep bonds out of taxable, REIT also if you are going to invest in it.
4. Do you factor the 529 into your total portfolio even though it's not for retirement? I would think no and that it should have it's own asset allocation. Some people do it different than me, but I like to keep retirement money in one bucket, other needs in other buckets.
Thanks again for any advice!
boston2013 wrote:The reason why I wanted to get some money in the market and stop paying off debt as aggressively (and you can tell me if this makes sense) is that my debt is all real estate so I see paying off my debt as the same thing as investing in real estate. From this point of view I feel like I have a wildly disproportionate amount of my money in real estate already. If the real estate market where I live crashed I would be in trouble. Thoughts on this line of thinking?
boston2013 wrote:Why did you use the (VEIEX) Vanguard Emerging Markets Stock Index instead of the (VTIAX) Vanguard Total International Stock Index Fund in the IRAs?
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