Search found 8 matches

by LazyDaisy
Mon Feb 24, 2020 12:40 pm
Forum: Personal Investments
Topic: Playing Catch-Up
Replies: 29
Views: 3905

Re: Playing Catch-Up

@lakpr, RE: Yes, my intention is to emphasize the fact that the "Rollover IRA" should be left untouched as humanly as possible, to preserve the chance that you can roll it back to a 401k or 403b plan if ever needed. gotcha. That makes sense. @mathwizard: Thanks for weighing in. I have adjusted 401k ...
by LazyDaisy
Sat Feb 22, 2020 9:00 am
Forum: Personal Investments
Topic: Playing Catch-Up
Replies: 29
Views: 3905

Re: Playing Catch-Up

Sorry for disappearing without a trace, I was traveling this past week, and it turns out one bar of 3G service is not enough juice to actually participate in a forum. @ruralavalon, you asked: At what fund firm or brokerage will you be establishing your Roth IRAs? At TDAmeritrade? How much in dollars...
by LazyDaisy
Sat Feb 15, 2020 9:33 pm
Forum: Personal Investments
Topic: Playing Catch-Up
Replies: 29
Views: 3905

Re: Playing Catch-Up

1. Did you get those ticker symbols and expense ratios from the 401k materials or 401k website? Can you post a link to the fact sheet for each of those funds? What counts are the expense ratios and tickers published by his employer's 401k plan, not what is found anywhere else. Sometimes the expense ...
by LazyDaisy
Sat Feb 15, 2020 6:16 pm
Forum: Personal Investments
Topic: Playing Catch-Up
Replies: 29
Views: 3905

Re: Playing Catch-Up

Thanks for weighing in, @ruralavalon. I have updated my original post to note that rollover and spousal IRAs are both traditional, that the HSA has a $30 annual fee for investing, and to include the ticker symbols you requested. I thought that's what I already had, but apparently some of them were a...
by LazyDaisy
Fri Feb 14, 2020 3:51 pm
Forum: Personal Investments
Topic: Playing Catch-Up
Replies: 29
Views: 3905

Re: Playing Catch-Up

I didn't even know a Roth 401k was a thing, so no danger there. How is that different from a Roth IRA? Is it possible to make a lump-sum contribution to the 401k yet for 2019, the way you can for an IRA? Yes, he does have a small pension. A couple of years ago, they sent us a letter offering to let ...
by LazyDaisy
Thu Feb 13, 2020 11:46 pm
Forum: Personal Investments
Topic: Playing Catch-Up
Replies: 29
Views: 3905

Re: Playing Catch-Up

Thanks for all the input. Here's what I've got so far to begin to rejigger the whole plan: 1. His IRA: Sell the PHYS, EDV, and MGC. Consolidate proceeds into BND and VTI. 2. HSA: VTMGX -Although, really, I'm still just not that comfortable with the idea of international. That article was SO over my ...
by LazyDaisy
Thu Feb 13, 2020 3:37 pm
Forum: Personal Investments
Topic: Playing Catch-Up
Replies: 29
Views: 3905

Re: Playing Catch-Up

Thanks for the replies Retired@50, snailderby, and lakpr. @snailderby, the 401k fees seem to vary, with smaller amounts monthly, and a larger amount quarterly. So I'm assuming it's a percentage of assets. I'm unclear about what you all are saying in the 401k. Are you saying that I should have all 3 ...
by LazyDaisy
Wed Feb 12, 2020 10:55 pm
Forum: Personal Investments
Topic: Playing Catch-Up
Replies: 29
Views: 3905

Playing Catch-Up

Hello! Thanks so much to the members who are so generous with their time and knowledge helping newbies to this group! I have learned a ton already just by reading responses to all the different posts. This is an amazing forum. Our Story: We are way behind in saving for retirement, but now that kids ...