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Thanks all for your help.

So you think I should stick with bonds or CDs. The problem is buying bonds for novice investor is kind of tricky. But thanks for your reply.

I have $20k free for 3-5 years. I have purchased 3 CDs from Marcus bank: CD 1: $5,000 - 3.10 (5 Yrs) CD 2: $5,000 - 2.60 (3 Yrs) CD 3: $5,000 - 2.55 (1 Yr ) Now I am left with $5k; I am thinking to buy Vanguard High-Yield Tax-Exempt Fund Investor Shares (VWAHX) for 3-5 years. Do you guys think its g...

To expand on what exigent said, here's a table of the various municipal bond funds at Vanguard with their current tax equivalent SEC yields for the 22% bracket. Term Exp SEC Yield 22% TEY VMLTX Limited-Term Tax-Exempt Short 0.19 1.95 2.50 VWSTX Short-Term Tax-Exempt Short 0.19 1.68 2.15 VWITX Inter...

PFInterest wrote: ↑Mon Sep 10, 2018 3:48 pm no. you should change your location possibly.
good? depends. will you always be in 22%?

I think it would go down in the coming years as I get close to the retirement.

Currently, I have following allocation in my Taxable account: 90% - Vanguard Total Stock Market Index Fund (Admiral Shares) 10% - Vanguard Total Bond Market ETF Tax bracket:22% Plan to keep this money invested for 15-20 years Basically, my questions are: 1. Should I change my allocation? 2. Is Vang...

Currently, I have following allocation in my Taxable account: 90% - Vanguard Total Stock Market Index Fund (Admiral Shares) 10% - Vanguard Total Bond Market ETF Tax bracket:22% Plan to keep this money invested for 15-20 years Basically, my questions are: 1. Should I change my allocation? 2. Is Vangu...

Thanks all for your help.

Thanks for the replies, Let me clarify further:

Current Scenario:
22% tax bracket
Dependants: 4

Future Scenario:
22% tax bracket
Dependant:1

Should I go with roth IRA and r401k as I four dependants now and later I am going to have only one dependent or it doesn't make any difference?

Hello, I am new to the investing world and planning to start contributing to 401k & IRA. My wife and 3 kids are dependant on me which give me a good tax break. My question is if I should pay taxes on my retirement savings now when I have more dependants or later. At retirement, most probably I a...