Search found 9 matches

by Rayd8tr
Mon Aug 14, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 12
Views: 1234

Re: Backdoor Roth IRA

I'm contemplating an independently directed account option with my 401k and putting 100% into either VFIFX or Life Strategy Growth Fund. I consider myself a novice and appreciate any input you guys have. Those are fine choices even for someone well past novice stage, and are very reasonable for you...
by Rayd8tr
Mon Aug 14, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 12
Views: 1234

Re: Backdoor Roth IRA

I think the institutional index fund is about the best fund you can get. I'd move my IRA into the 401k for that alone. The backdoor Roth is just a bonus. Thanks for your input. The historical returns have BEN good and the expense ratio cannot be beat. Is it advisable to invest in an index fund in a...
by Rayd8tr
Mon Aug 14, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 12
Views: 1234

Re: Backdoor Roth IRA

I am seriously thinking about either putting my entire 401k into VINIX or doing an independently directed account option I have and choose VIFIX and put it all in that instead. I'm guessing VIFIX is a typo, but more to the point: your overall asset allocation target deserves some consideration when...
by Rayd8tr
Sun Aug 13, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 12
Views: 1234

Re: Backdoor Roth IRA

Thanks...the only Vanguard product I have available is the Vanguard Institutional Index fund. I also have the Fidelity Contrafund available. I'm scratching my head why my 401k plan managers are recommending 20% of the asset allocation into the Harbor International Instiutional Fund. :( The other of...
by Rayd8tr
Sat Aug 12, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put 100% of 401(k) in VINIX?
Replies: 10
Views: 7147

Re: Should I put 100% of 401(k) in VINIX?

OK, I'm finally back. I took the plunge and moved to 100% in VINIX in my 401(k). I plan to use Target Retirement 2035 Fund (VTTHX) in my new Traditional IRA. And I plan to shift my Roth from VTSAX to VTTHX also...or I may just try to mimic VTTHX in the Roth with Admiral Shares of the same funds in ...
by Rayd8tr
Sat Aug 12, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 12
Views: 1234

Re: Backdoor Roth IRA

Thanks...the only Vanguard product I have available is the Vanguard Institutional Index fund. I also have the Fidelity Contrafund available. I'm scratching my head why my 401k plan managers are recommending 20% of the asset allocation into the Harbor International Instiutional Fund. :( The other off...
by Rayd8tr
Sat Aug 12, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: 401k + ira + roth = confused
Replies: 28
Views: 2124

Re: 401k + ira + roth = confused

Why not just make a non Roth after tax contribution to your 401k up to the limit of 54k and make an in-service distribution of the after tax portion of your contributions to your Roth IRA in accordance with IRS notice 2014-54. If you contribute 18k pretax and contribute 36k after tax, you will be a...
by Rayd8tr
Fri Aug 11, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k + ira + roth = confused
Replies: 28
Views: 2124

Re: 401k + ira + roth = confused

Why not just make a non Roth after tax contribution to your 401k up to the limit of 54k and make an in-service distribution of the after tax portion of your contributions to your Roth IRA in accordance with IRS notice 2014-54. If you contribute 18k pretax and contribute 36k after tax, you will be ab...
by Rayd8tr
Fri Aug 11, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 12
Views: 1234

Backdoor Roth IRA

My wife and I are in the highest tax bracket and anticipate being in a lower bracket at retirement. I'm thinking about rolling over my TIRA into my 401k and start making backdoor contributions into an existing Roth IRA. The offerings in my 401k are pretty good with expense ratios ranging from 0.17-0...