Search found 8 matches

by NotAnInsomniac
Thu Jun 01, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: High income- get an IRA and then backdoor ROTH IRA?
Replies: 3
Views: 552

Re: High income- get an IRA and then backdoor ROTH IRA?

Here's a good Backdoor Roth tutorial even if you're not a doctor. Also look if you can do the so called Mega Backdoor Roth.

https://www.whitecoatinvestor.com/backd ... -tutorial/
by NotAnInsomniac
Fri May 19, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about rolling over IRAs and its effect on backdoor Roths
Replies: 5
Views: 431

Re: Questions about rolling over IRAs and its effect on backdoor Roths

There are too many ways for things to get messed up. What kind of things for example? I would really prefer to get that money out of American Funds. I didn't say not to move the money. I said I would not do a 60 day rollover. I'd have Vanguard "pull" the Roth IRA over in a trustee to trus...
by NotAnInsomniac
Fri May 19, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about rolling over IRAs and its effect on backdoor Roths
Replies: 5
Views: 431

Re: Questions about rolling over IRAs and its effect on backdoor Roths

retiredjg wrote: There are too many ways for things to get messed up.


What kind of things for example? I would really prefer to get that money out of American Funds.
by NotAnInsomniac
Fri May 19, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking 401k investments
Replies: 9
Views: 678

Re: Help with picking 401k investments

Desired Asset allocation: I'm thinking 75% stocks/25% bonds For 80/20, the simplest portfolio, unless you can roll the 403a into the 401K: 403a: UC Pathway 2040 401K: Vanguard Target Retirement 2035 Roth IRA: Vanguard Target Retirement 2035 Add Total Stock, Total International and Intermediate Tax ...
by NotAnInsomniac
Fri May 19, 2017 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Help with picking 401k investments
Replies: 9
Views: 678

Re: Help with picking 401k investments

1. As to whether to keep the 403a or not, I think it depends. This account does have a few institutional funds you might find useful such as Vanguard's small caps index (VSCPX), Vanguard's REIT (VGSNX) and Vanguard's social index fund (VFTNX). If you want to have a REIT fund, I think it's best to p...
by NotAnInsomniac
Fri May 19, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Questions about rolling over IRAs and its effect on backdoor Roths
Replies: 5
Views: 431

Questions about rolling over IRAs and its effect on backdoor Roths

So I'm trying to consolidate some accounts to Vanguard. My wife and I both started Roth IRAs at American Funds through a financial advisor before we knew better. We are currently doing back door Roths at Vanguard as I exceed the income limit. Am I correct in concluding from what I've researched so f...
by NotAnInsomniac
Thu May 18, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Help with picking 401k investments
Replies: 9
Views: 678

Re: Help with picking 401k investments

Apologies. Original post updated with federal tax rate.
by NotAnInsomniac
Thu May 18, 2017 2:00 am
Forum: Investing - Help with Personal Investments
Topic: Help with picking 401k investments
Replies: 9
Views: 678

Help with picking 401k investments

Hi everyone, just recently discovered this forum and I'm learning a lot. I consider myself a novice when it comes to investing. I've been working a few years but only recently started to really think about how my retirement portfolio was doing. We picked my investments without too much rationale. Ba...

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