Search found 10 matches

by VACat07
Wed Jun 19, 2019 3:49 pm
Forum: Personal Investments
Topic: ROTH IRA question
Replies: 6
Views: 533

Re: ROTH IRA question

Yes. I no longer work (but my husband does) and we've been funding a ROTH IRA for me for years. Of course, this assumes you're under the income limits.
by VACat07
Thu Apr 18, 2019 6:04 pm
Forum: Personal Investments
Topic: Currently with Schwab private client--and decided to get out--but what to do
Replies: 16
Views: 3306

Re: Currently with Schwab private client--and decided to get out--but what to do

We used the outside advisors from Schwab for 3 years (had several accounts with Schwab for over 30 years), but decided about a year ago to take everything back and manage ourselves. They did a decent job, but a little more churn than I wanted and the quarterly fees kept adding up without necessarily...
by VACat07
Fri Mar 22, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is Staying in the Same Home for a Long Time Good for Wealth Building?
Replies: 18
Views: 1872

Re: Is Staying in the Same Home for a Long Time Good for Wealth Building?

The only time that I have found it beneficial to sell was in a hot real estate market where the gains will start to exceed the $250K/$500K exclusion. Bought in the mid-90's in the DC area and sold in 2008 b/c we were moving overseas. We thought about renting out, but realized we had almost $500K in ...
by VACat07
Sat Mar 16, 2019 4:09 pm
Forum: Investing - Theory, News & General
Topic: TSP RMD's
Replies: 38
Views: 3963

Re: TSP RMD's

So I’ve read the new TSP withdrawal guidelines. Does “withdrawal” mean the same as rolling over the ROTH TSP to my individual ROTH IRA? As I understand it now (before the changes are implemented), if I want to combine my ROTH accounts, I have to transfer my ROTH and regular TSP out (keeping a minimu...
by VACat07
Sat Feb 23, 2019 1:52 pm
Forum: Personal Investments
Topic: One ETF at Schwab - no cost and low to no dividends
Replies: 13
Views: 802

Re: One ETF at Schwab - no cost and low to no dividends

Thanks everyone. We'll take a look at the suggestions. And yes, I know the two current ETFs are not ideal, but I just came across this group about a month ago. It will take a while to re-position things to the 3 fund approach. We have a lot of gains in our taxable accounts, so it may take time. I'll...
by VACat07
Sat Feb 23, 2019 12:32 pm
Forum: Personal Investments
Topic: One ETF at Schwab - no cost and low to no dividends
Replies: 13
Views: 802

Re: One ETF at Schwab - no cost and low to no dividends

Thank you - but aren't there fees associated with buying a Vanguard fund at Schwab? We are already at Schwab, so trying to keep everything there. Since he'll be buying more shares every summer with his earnings, we want no cost funds.
by VACat07
Sat Feb 23, 2019 12:29 pm
Forum: Personal Investments
Topic: One ETF at Schwab - no cost and low to no dividends
Replies: 13
Views: 802

One ETF at Schwab - no cost and low to no dividends

(reposting - posted in wrong forum) My son (14) has $3200 to invest from birthday/Christmas money savings over the years. He also will have a job this summer at the local pool (and yes, we will match any of his earnings and put it in a ROTH Ira for him). We have several accounts at Schwab and one is...
by VACat07
Tue Feb 12, 2019 3:27 pm
Forum: Personal Investments
Topic: TSP - how to allocate funding between ROTH TSP and Traditional TSP
Replies: 11
Views: 934

Re: TSP - how to allocate funding between ROTH TSP and Traditional TSP

"Given the second post, that gives you time to estimate the unknown in the first post. One way to do so is given toward the bottom of the Investment Order post."

FiveK - thank you. That was a very helpful link.
by VACat07
Tue Feb 12, 2019 1:34 pm
Forum: Personal Investments
Topic: TSP - how to allocate funding between ROTH TSP and Traditional TSP
Replies: 11
Views: 934

Re: TSP - how to allocate funding between ROTH TSP and Traditional TSP

Thanks everyone. I guess the pension is the kicker to stay with more ROTH TSP funding - at least until 2025. I'm already retired and the plan is for husband to retire at 60 with 25 years. He can work until 65 if he gets some great job, but he has mandatory retirement at 65 no matter what. I'll see w...
by VACat07
Mon Feb 11, 2019 6:00 pm
Forum: Personal Investments
Topic: TSP - how to allocate funding between ROTH TSP and Traditional TSP
Replies: 11
Views: 934

TSP - how to allocate funding between ROTH TSP and Traditional TSP

Hi, I'm new to this forum but have been lurking the past few months. Here is our info, and I'll ask my questions below: Emergency funds: $10K Debt: Mortgage $315K at 2.9% (paid off before retirement); Student Loan $13K at 1.9% (paid off in 2 years) VA529 - $8500 Tax Filing Status: Married Filing Joi...