Search found 9 matches

by Alfonsia
Fri Apr 21, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Real newb. Help with a check up.
Replies: 15
Views: 1279

Re: Real newb. Help with a check up.

Thanks for your help. I think I have it down now. @@. Really, it was me being a dumbass.
by Alfonsia
Thu Apr 20, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Real newb. Help with a check up.
Replies: 15
Views: 1279

Re: Real newb. Help with a check up.

Thanks, I know I am being dim, but I have the TIRA set up but not the roth and it doesn't; seem to let me convert by the convert to to roth button LOL. , I assumed I just did a conversion from the TIRA to magically become a roth but actually I still need to open a roth to do that? That is what is tr...
by Alfonsia
Thu Apr 20, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Real newb. Help with a check up.
Replies: 15
Views: 1279

Re: Real newb. Help with a check up.

OK, thanks so much, so I do open a roth, even though income is too high, and do I fund it with anything while I am opening it? I am really bumbling through and learning on the job. I need to look more at the 401K, I know it is 100% vested, theoretically has no fees and the current allocation is: 73%...
by Alfonsia
Thu Apr 20, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Real newb. Help with a check up.
Replies: 15
Views: 1279

Re: Real newb. Help with a check up.

I wonder why seem to be having a problem and it is very likely me LOL. the T IRA brokerage has the 5500 (for 16) in a mutual fund target retirement date (I think that was my mistake? To do that from the MM account rather than the roth conversion then?), I am trying to do the roth conversion and I am...
by Alfonsia
Thu Apr 20, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard backdoor ROTH - Exchange vs Convert to Roth options
Replies: 10
Views: 1277

Re: Vanguard backdoor ROTH - Exchange vs Convert to Roth options

I seem to be having a problem and it is very likely me LOL. SO the TIRA brokerage I managed to do is now is set up as a mutual fund target retirement date (I think that was my mistake? To do that from the MM account rather than the roth conversion then?), I am trying to do the conversion and I am no...
by Alfonsia
Tue Apr 11, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Real newb. Help with a check up.
Replies: 15
Views: 1279

Re: Real newb. Help with a check up.

Re the IRA. Does the ACH transfer have to sit in the vanguard settlement account and then I choose (e.g. the target date option)? The option for 2016 is already blocked out and the transfer is pending, even though the bank etc was all the same as the brokerage account. Is this the normal way? Or hav...
by Alfonsia
Thu Mar 30, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Real newb. Help with a check up.
Replies: 15
Views: 1279

Re: Real newb. Help with a check up.

Thanks, I will get to the 401 is a bit, is it too onerous to do the IRA online? I just have a vanguard brokerage account (sorry, I am sure this sounds clueless).
by Alfonsia
Thu Mar 30, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Real newb. Help with a check up.
Replies: 15
Views: 1279

Re: Real newb. Help with a check up.

Thanks for that, re "get IRA accounts for each of you. If you get these established soon (before ~April 15), you can make IRA contributions now for the 2016 tax year." As a vanguard customer, do I open IRA accounts for me and DH as if I am a new customer? Does the conversion need to be don...
by Alfonsia
Wed Mar 29, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Real newb. Help with a check up.
Replies: 15
Views: 1279

Real newb. Help with a check up.

I know that it looks really lazy, mea culpa. I could make some pathetic excuses but you have heard it all before. We are newer US citizens. I am just trying to work through this so please bear with me. My first question is whether to open an IRA for each of us this year? I will work out the backdoor...

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