Search found 51 matches

by Messner8000
Tue Oct 17, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Any Red Flag with Canceling Federal Employee Health Insurance?
Replies: 11
Views: 1106

Any Red Flag with Canceling Federal Employee Health Insurance?

Here is a question for any other federal employees on these boards. I am a federal employee and my wife (who is not a federal employee) just got a new job. To my surprise, the health care offered through her work is a better deal than the plans offered through my work. My plan is thus to cancel my f...
by Messner8000
Fri Oct 13, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1687

Re: Anyone Ever Jackhammered a Concrete Patio?

Thanks everyone for the informative responses, and to Rocco and hicabob for the links. All these responses made me realize that: (1) that this would indeed be possible, and so (2) I need to do more research. While I'm not a big guy (about 6 ft. 170), it sounds like from a physical standpoint it shou...
by Messner8000
Fri Oct 13, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1687

Anyone Ever Jackhammered a Concrete Patio?

My wife and I are hoping to get a screened in porch and we just got our first quotes. Due to drainage issues, one big component of each quote is $6,000 to remove a 12 foot by 12 foot section of concrete in the back yard and some outdoor concrete steps (which may or may not be filled with extra concr...
by Messner8000
Sun Oct 08, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 79
Views: 5567

Re: Password Protection

Thanks, everyone, for responding to my question - things make a lot more sense now. I now realize that transitioning to a password manager is a much bigger task than I thought - needing to change the passwords for all of my sights, then install the program on my wife's computer and my computer and o...
by Messner8000
Sat Oct 07, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 79
Views: 5567

Re: Password Protection

Is it bad form to interrupt a great thread with a really dumb (but related) question? Everyone is always talking about these password manager programs. I recently downloaded LastPass. Here is what I don't get. LastPass lets me access all my accounts on my computer using my master password. Which is ...
by Messner8000
Fri Sep 29, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?
Replies: 19
Views: 1114

Re: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?

Thanks for the thoughts, Klang. The idea that I just wouldn't have a taxable account - that I would basically just draw from my ROTH for major expenses (including maybe even my sabbatical) is so counter to everything I was ever told in the last 20 years (never touch your retirement accounts unless i...
by Messner8000
Fri Sep 29, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?
Replies: 19
Views: 1114

Re: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?

Rural - thanks for taking the time to write such a detailed response. I will look (again) at the wiki pages you flagged. I edited my original post to address your questions. I did want to clarify one issue. Right now, my AA allocation in my retirement accounts is more like 85/15. My original thinkin...
by Messner8000
Fri Sep 29, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?
Replies: 19
Views: 1114

Re: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?

Thanks for the link. I knew about the 10% penalty, but it never occurred to me that it could make sense to pay the penalty rather than having the money in a taxable account. I will have to study that article in much more detail, and then probably ask more questions :beer
by Messner8000
Fri Sep 29, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?
Replies: 19
Views: 1114

Re: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?

Klang - I'll be the first to admit that I may not know enough to think through all the ins and outs, but if I understand your question, my thinking was that since I can't use the 457/401k money for the sabbatical, it made sense to think of the money I need for that separately - since it is going to ...
by Messner8000
Fri Sep 29, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?
Replies: 19
Views: 1114

Why don't three goals - sabbatical, early retirement, and retirement - mean 3 different asset allocations?

I've read repeatedly on this board that you should consider all your accounts as one for purposes of determining the right asset allocation. But how does this work if you have three different goals you're saving for with three very different time (and thus risk) horizons? I am 35 and my wife (30) an...
by Messner8000
Sun Sep 24, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7600

Re: Help?! My 70 year old father is 100% invested in equities

Well, I'm glad my question has triggered such a wide-ranging conversation! Two thoughts I'll flag: (1) After so many comments about whether my dad would have the fortitude to stick with with his 100% AA in bad times, it occurred to me that I think I recall him saying a few years back that during the...
by Messner8000
Sat Sep 23, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7600

Re: Help?! My 70 year old father is 100% invested in equities

Thanks for all the thoughtful responses. I completely agree that the 1% for the adviser seems not good (especially since I don't like the adviser, who says things like "I've had very good success in my career picking winners...." and stuff like that). But my dad has always had an adviser and it's ju...
by Messner8000
Sat Sep 23, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7600

Re: Help?! My 70 year old father is 100% invested in equities

Wow - thanks for all the thoughts. Livesoft - was your post a joke? If so, it rang close to home as I recently revamped my portfolio and adopted a 3-fund approach that is 80% stocks and 20% bonds. Since all this money (low-mid six figures) is in retirement accounts I won't access for 25+ years, I ca...
by Messner8000
Sat Sep 23, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Invest, or Buy a $25,000 Screened-in Deck?
Replies: 24
Views: 2337

Re: Invest, or Buy a $25,000 Screened-in Deck?

Your thoughts are well taken, Bough. Certainly the super ego part of me says that such an indulgence is just that...an indulgence. But the other half of me says, well, I am doing well saving for retirement and kid's college (although, of course you can always save more), both of our jobs are very se...
by Messner8000
Sat Sep 23, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7600

Re: Help?! My 70 year old father is 100% invested in equities

Thanks for all the responses. To be honest, I was expecting everyone to say that he needs to read book X or article Y, and I wasn't expecting folks to tell me to lay off him! But thinking about it, I think that is probably darn good advice. I raised the point, he wasn't too thrilled about it, and so...
by Messner8000
Sat Sep 23, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Invest, or Buy a $25,000 Screened-in Deck?
Replies: 24
Views: 2337

Re: Invest, or Buy a $25,000 Screened-in Deck?

Thanks for all the positive feedback! Since we are meeting all of our retirement goals, it sounds like getting the deck is the way to go. To answer one of the questions, we bought our house a year ago for $500,000, so the deck is 5% of that (although zillow and redfin say the house is now worth 560 ...
by Messner8000
Sat Sep 23, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7600

Re: Help?! My 70 year old father is 100% invested in equities

A very fair point. No - he did not ask for (and probably does not want) my advice. But he is always eager to learn more, and I feel like if I said "dad, I know you're doing X, Y, Z, but you should read these couple chapters in these couple investment books, and then use what you learn as a basis for...
by Messner8000
Sat Sep 23, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Invest, or Buy a $25,000 Screened-in Deck?
Replies: 24
Views: 2337

Re: Invest, or Buy a $25,000 Screened-in Deck?

Yes - I too am definitely feeling the tug of the "what's the point of earning money if you don't spend it on things that will bring you happiness" argument. (And to answer your question, yes, we are meeting all of our retirement goals and have a rainy day fund).
by Messner8000
Sat Sep 23, 2017 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Invest, or Buy a $25,000 Screened-in Deck?
Replies: 24
Views: 2337

Invest, or Buy a $25,000 Screened-in Deck?

As my father would say, I have a "high class" problem that I wanted to get some feedback on. I'm 35 years old, my wife and I each have good stable jobs (we each earn high five figures), and we have a new house, a 5-year old, a 6-month rainy day fund, and low-to-mid six figure retirement accounts (wh...
by Messner8000
Sat Sep 23, 2017 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7600

Help?! My 70 year old father is 100% invested in equities

Since discovering this forum about six months ago, I've been busy reading books about investing and trying to determine what my AA should be (as a 35-year old). Upon deciding on an 80/20 stocks/bonds AA, I got curious and asked my retired 70-year-old father what his AA is for his sizable retirement ...
by Messner8000
Sat Jul 29, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Can you overdose on 3-fund portfolios?
Replies: 8
Views: 1029

Re: Can you overdose on 3-fund portfolios?

Thanks, Jbolden for the article and succinct (and thought-provoking) thoughts. I guess my answer is that at my current level of knowledge (only been reading/learning about this stuff for about 4 months), by necessity I value simplicity because I don't yet have the toolbox necessary to increase compl...
by Messner8000
Sat Jul 29, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Can you overdose on 3-fund portfolios?
Replies: 8
Views: 1029

Re: Can you overdose on 3-fund portfolios?

Thanks for the information. I just started reading Ferri's All about Asset Allocation, and so looks like I'm on the right track there! Fortunately, all of our accounts - 401k, ROTH 401k, 403(b), etc. - have access to the Vanguard index funds I mentioned, and so that at least really simplifies things...
by Messner8000
Sat Jul 29, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can you overdose on 3-fund portfolios?
Replies: 8
Views: 1029

Can you overdose on 3-fund portfolios?

I have a 401k, my wife has a 403(b), and we each have a ROTH IRA. These used to be invested in a wide range of individual stocks and other not-so-great investments managed by an adviser, but now I have seen the light (thanks to lots of reading and folks on this board) and have transferred several of...
by Messner8000
Fri Jul 28, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Plan Detective: Where do I find the "hidden" fees?
Replies: 8
Views: 637

Re: 403(b) Plan Detective: Where do I find the "hidden" fees?

Thanks, everyone. That makes me feel a bit more comfortable that maybe we're just lucky!
by Messner8000
Fri Jul 28, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Plan Detective: Where do I find the "hidden" fees?
Replies: 8
Views: 637

403(b) Plan Detective: Where do I find the "hidden" fees?

My wife just got a job in the public schools and they are offering her a 403(b) through Fidelity (through a program they call FidelityNetBenefits). I had heard horror stories about 403(b) fees and expected the worst. I just called Fidelity, and they said that for her school's 403(b) fund I have acce...
by Messner8000
Tue Jul 18, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?
Replies: 10
Views: 867

Re: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?

Thanks again for your thoughts. In response to your question, Celia, it's actually pretty simple (and I think somewhat common). My wife (who is in her mid-30s) has always socked a little away in a ROTH since she started working, and her parents' adviser has always invested those little amounts each ...
by Messner8000
Mon Jul 17, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?
Replies: 10
Views: 867

Re: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?

Thanks for the thoughts. To answer pk's question, the fund is with Fidelity but I'm thinking of moving it to Vanguard, and the only reason we didn't pay for the adviser is that it's that my wife's parents use the adviser (and pay his 1% commission :() and as a "perk" he "manages" this small amount o...
by Messner8000
Sun Jul 16, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?
Replies: 10
Views: 867

Re: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?

To answer your question, right now my portfolio is a simple three-fund approach: about 50% Total Stock Market (VTSAX), 30% Total International Stock Index (VTIAX) and 20% Total Bond Market Index Fun (VBTLX). So I plan to sell the Equal Sector Weight ETF and just use the money to buy the above holdin...
by Messner8000
Sun Jul 16, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?
Replies: 10
Views: 867

Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?

My wife has a ROTH IRA that is 100% invested in a fund called ALPS Equal Sector Weight ETF (EQL). The expense ratio of the fund is .48. My plan (as I have already done with all of my holdings) is to sell the entire fund and then purchase shares of Vanguard Target Retirement Fund with a 80/20 AA. (Fo...
by Messner8000
Fri Jul 14, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Why "Exchange" Funds Instead of "Sell" Funds?
Replies: 12
Views: 1138

Re: Why "Exchange" Funds Instead of "Sell" Funds?

Thanks everyone. That all makes a lot of sense and I appreciate the prompt and helpful responses. Geez...this forum is awesome.
by Messner8000
Fri Jul 14, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Why "Exchange" Funds Instead of "Sell" Funds?
Replies: 12
Views: 1138

Re: Why "Exchange" Funds Instead of "Sell" Funds?

Gotcha - the funds I am selling are not Vanguard and the funds I am buying are Vanguard, and so it looks like perhaps for my purposes there isn't a difference....
by Messner8000
Fri Jul 14, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Why "Exchange" Funds Instead of "Sell" Funds?
Replies: 12
Views: 1138

Why "Exchange" Funds Instead of "Sell" Funds?

Maybe a newbie question, but I'm in the process of selling various mutual funds and buying various Vanguard index funds. When I go to make the trade, I have the option to "sell" or "exchange." Given that these funds are all in a ROTH IRA (i.e., no tax implications), I assume there is no difference b...
by Messner8000
Fri Jul 14, 2017 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Ready to Take the Plunge - Am I doing my 4-fund portfolio right? (Dumbest Post Ever?)
Replies: 7
Views: 1007

Re: Ready to Take the Plunge - Am I doing my 4-fund portfolio right? (Dumbest Post Ever?)

Thanks for the responses everyone. I can't believe I messed up the percentages...I guess it was a late night :) Thanks also for the thoughts about the International Bond Index Fund and decreasing that a small amount so I can get Admiral shares for the Total Bond Market Index Fund. That seems to make...
by Messner8000
Thu Jul 13, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to Take the Plunge - Am I doing my 4-fund portfolio right? (Dumbest Post Ever?)
Replies: 7
Views: 1007

Ready to Take the Plunge - Am I doing my 4-fund portfolio right? (Dumbest Post Ever?)

Alright, so after getting inspired on this website to be a DIY-er, I am ready to take the plunge. I have left my financial adviser, transferred my ROTH to a Vanguard account, and am ready to sell all my mutual funds with absurd expense ratios and individual stocks, and start my 4-fund portfolio. I h...
by Messner8000
Sat Jul 01, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Limit Risk if You Shouldn't Own Bonds in a Taxable Account?
Replies: 26
Views: 2013

Re: How do you Limit Risk if You Shouldn't Own Bonds in a Taxable Account?

Thanks, PK. For what it's worth, while presumably I'll use lots of the taxable fund in retirement, I don't really think of it as a retirement account per se. I feel like between 2 pensions and max'd out 401k/403bs/ROTHs, the taxable account is more of just a place to put "extra" money I don't need t...
by Messner8000
Sat Jul 01, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Limit Risk if You Shouldn't Own Bonds in a Taxable Account?
Replies: 26
Views: 2013

Re: How do you Limit Risk if You Shouldn't Own Bonds in a Taxable Account?

First off, sorry about the spacing :) Thanks everyone for the advice, and the link to the White Coat Investor article---interesting stuff. As I'm learning, there is no one-size-fits-all investing strategy (duh). I must admit that even though I've been reading a lot of posts/books/etc. as a newbie in...
by Messner8000
Sat Jul 01, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: How do you Limit Risk if You Shouldn't Own Bonds in a Taxable Account?
Replies: 26
Views: 2013

How do you Limit Risk if You Shouldn't Own Bonds in a Taxable Account?

After reading lots of old posts about tax efficiency, I think I finally grasp that it doesn't make sense (tax-wise) to include bonds in a taxable account, and thus it is a good idea to not put Vanguard LS or Target Retirement Funds in a taxable account (as I was planning to start doing - so thanks e...
by Messner8000
Sat Jul 01, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Wife Got a New Job - Max 403b or Open Taxable Account?
Replies: 7
Views: 817

Re: Wife Got a New Job - Max 403b or Open Taxable Account?

Thanks, everyone. Glad to see that my instinct to go with maxing my 403b seems to be a good plan. As always, I appreciate the advice!
by Messner8000
Fri Jun 30, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Got a New Job - Max 403b or Open Taxable Account?
Replies: 7
Views: 817

Wife Got a New Job - Max 403b or Open Taxable Account?

I have a somewhat strange but (I think) straightforward question. I currently max out my 401k and have saved an adequate emergency fund. I have a chunk of money (let's say $18,000 to hopefully make this question clearer) now sitting in my 1% money market account that I had planned to invest in a tax...
by Messner8000
Sun Jun 25, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 49
Views: 5788

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

Wow - as a newbie to the site I really appreciate all of the thoughts! I'm glad to see that my current plan - to move my account from the adviser to a vanguard target retirement account with an 80/20 or 90/10 AA - seems to me consistent with what many folks recommended. I think what got me confused ...
by Messner8000
Sat Jun 24, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 49
Views: 5788

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

Thanks, everyone for the advice (and I'll read that blog post about bonds!) It sounds like maybe the advice wasn't as bad as I thought, but instead a point of view to consider as I settle on my desired asset allocation. Thanks!
by Messner8000
Sat Jun 24, 2017 6:13 am
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 49
Views: 5788

Crazy(?) Adviser Advice: "I don't believe in bonds"

I recently left a financial adviser who was managing my money. In one of our last conversations I asked him to talk me through how he'd invested my portfolio. I'm 25 years from retirement, and my ROTH was invested 100% in equities. During the conversation he said many things that, after reading many...
by Messner8000
Thu Jun 01, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: New to This--How does my Long-Term Plan/Portfolio Look?
Replies: 4
Views: 765

Re: New to This--How does my Long-Term Plan/Portfolio Look?

Thanks, Elbowman - that makes a lot of sense. I will look into her fund options and see if I can find anything with a lower ratio, and then perhaps when I sell all the ROTH IRA holdings I can re-invest them in something that (combined with my 401k) will get me to the proper asset allocation. Thanks ...
by Messner8000
Wed May 31, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: New to This--How does my Long-Term Plan/Portfolio Look?
Replies: 4
Views: 765

Re: New to This--How does my Long-Term Plan/Portfolio Look?

Thanks, mhalley, for the helpful thoughts. To answer your question, in my 401k about 44% is in the C Fund, which tracks the S&P500, and approx. 15% is in the S-fund, which tracks the total stock market. Thanks also for the thoughts on VSAGX. My inclination is that with my goal of a "set it and forge...
by Messner8000
Mon May 29, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: New to This--How does my Long-Term Plan/Portfolio Look?
Replies: 4
Views: 765

New to This--How does my Long-Term Plan/Portfolio Look?

Hi Everyone – My first series of posts on this website convinced me that I was right to leave my “free” investment adviser – so thanks for all the advice! Many of you suggested I ask my more detailed questions in this space, and so I’ve included the relevant information below. I hope I did it right!...
by Messner8000
Mon May 22, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Should I Leave a Free Investment Advisor?
Replies: 23
Views: 2685

Re: Should I Leave a Free Investment Advisor?

Thanks, retiredjg, for the advice and for sending over the portfolio help posting information!
by Messner8000
Mon May 22, 2017 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Should I Leave a Free Investment Advisor?
Replies: 23
Views: 2685

Re: Should I Leave a Free Investment Advisor?

Thanks, Abyan, for the advice - it totally didn't occur to me to transfer everything before selling (but it obviously makes total sense). Since it sounds like you were perhaps in a similar situation, I'm wondering how you (or others in a similar situation) dealt with one issue I'm struggling with. O...
by Messner8000
Sun May 21, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Leave a Free Investment Advisor?
Replies: 23
Views: 2685

Re: Should I Leave a Free Investment Advisor?

Thanks everyone for the replies - a lot to think over! My marginal tax rate next year will be 28% or 33%, and so it looks like I'll need to perhaps reconsider sending everything to a ROTH TSP (and perhaps divide more between the ROTH TSP and TSP). Thanks also for the math examples - that helped clar...
by Messner8000
Sun May 21, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Leave a Free Investment Advisor?
Replies: 23
Views: 2685

Re: Should I Leave a Free Investment Advisor?

Responding to Delamar's point - wouldn't it be the case that if I'm not touching the money for 20 or 30 years, I would be better off paying taxes on the initial investment now (and no taxes on the gains later) instead of paying no tax now and having to pay tax on the gains later? I've read Delamar's...
by Messner8000
Sun May 21, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Leave a Free Investment Advisor?
Replies: 23
Views: 2685

Re: Should I Leave a Free Investment Advisor?

Thanks everyone for such quick and helpful responses! To answer your question, delamar, to my knowledge I am maxing out my tax-deferred plans. I put $5,500/year in a ROTH, and the government retirement plan has a ROTH and non-Roth option (called traditional TSP and ROTH TSP), and I maxed out the ROT...