Search found 5123 matches

by Duckie
Mon Dec 11, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Choose IRA Rollover Provider - investment options
Replies: 5
Views: 244

Re: Choose IRA Rollover Provider - investment options

sirdeeker , welcome to the forum. My question is how can I determine what funds are available to me to invest in if I were to use either T-Rowe Price, Fidelity, Vanguard, Schwab, E-trade, etc.? You go to the company website and type in the ticker symbol of the funds you're interested in. You should...
by Duckie
Mon Dec 11, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Use HSA money now for high medical expenses?
Replies: 5
Views: 513

Re: Use HSA money now for high medical expenses?

Eyedoc76, welcome to the forum.
Eyedoc76 wrote:So the question is would it be smarter to continue our contributions to our IRA's and use HSA money now? Or max our HSA for my wife and I in our retirement years over our IRA's?
Given your situation I would max the IRAs and spend the HSA money now.
by Duckie
Mon Dec 11, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1105

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

And why do you have Total Bond in taxable? I only have taxable. No non-taxable. But why do you have Total Bond when you could have a tax-exempt muni fund? Either the balances on the two funds remain the same at this point or increase. But I wouldn't sell them. thoughts? I would not add to the balan...
by Duckie
Mon Dec 11, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bond options - What would you do?
Replies: 6
Views: 640

Re: Bond options - What would you do?

tx_hombre wrote:Regarding the tIRA -- We only opened that due to an excess contribution. Had never hit me to convert this back to a Roth. I guess there would be no issue with that, even thought it was a re-characterization?
There is no issue. She can convert without a problem.
by Duckie
Sun Dec 10, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?
Replies: 23
Views: 1105

Re: Auto-reinvest active funds (Wellesley/Balanced) in taxable? LIFO?

1. For Wellesley Income Fund, do I "check" automatic reinvest dividends and interest? 2. For Balanced Index Fund, do I "check" automatic reinvest dividends and interest? No and no. You are keeping them "for now" which to me means you are thinking about selling them. In that case, why buy more? Have...
by Duckie
Sat Dec 09, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth Question
Replies: 4
Views: 600

Re: Back Door Roth Question

Do I need to move that .18 cents in interest over to my Roth as well? You don't need to but you might as well convert it. When filing for 2017, I will have to report all 3 of these conversions from this year. How do I reconcile or showcase my carry over basis when it actually reduced because I lost...
by Duckie
Sat Dec 09, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Have been sitting out, and ready to invest the Bogle way
Replies: 18
Views: 2219

Re: Have been sitting out, and ready to invest the Bogle way

The stable value fund in the 401k plan has lower return and higher expense ratio. My guess is I should not use this as my bond AA, but use US Debt Index in the plan instead. sounds right? Since the stable value fund has a 2% interest rate I would definitely use the US Debt Index fund for fixed inco...
by Duckie
Fri Dec 08, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: A new boglehead with questions
Replies: 6
Views: 567

Re: A new boglehead with questions

Vizun , welcome to the forum. So again my main question is should I sell the American mutual funds and dollar cost average into International equities, or just do it all at once? Since you don't pay taxes when switching in Roth IRA accounts and since you already had the money in the market, just do...
by Duckie
Fri Dec 08, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Bond options - What would you do?
Replies: 6
Views: 640

Re: Bond options - What would you do?

tx_hombre wrote:Her Traditional IRA at Vanguard
$1,700 VTSAX — We only have this as a result of excess contribution to her Roth in 2015
Why doesn't she convert this?
How would you move forward with bonds?
Put all the bond AA in his Rollover IRA.
by Duckie
Fri Dec 08, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Have been sitting out, and ready to invest the Bogle way
Replies: 18
Views: 2219

Re: Have been sitting out, and ready to invest the Bogle way

Age: me 45, husband 49 Desired Asset allocation: looking for suggestions; maybe 70 stock/20 bond / 10 cash. Please see specific questions about bond at the end. I would like to be a little more aggressive than the typical 60/40 mix or 50/50 mix for our age. Desired International allocation: looking...
by Duckie
Thu Dec 07, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: Back door ROTH eligibility
Replies: 11
Views: 777

Re: Back door ROTH eligibility

I understand it’s primarily for those who don’t qualify because they exceed the income limit. The backdoor method is specifically for people who exceed the income limit. There's no point otherwise. If you don't exceed the limit you can still convert, but it's not considered a "backdoor Roth", it's ...
by Duckie
Thu Dec 07, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2368

Re: 112K pension- need help w/the rest

I am considering either the fidelity four in one index FFNOX or simply using a combination of 60% total stock index 25% total international index 15% total bond index. I tend to be a set it and forget type of person so I am heavily leaning towards the FFNOX route. If this is too risky, is there an ...
by Duckie
Wed Dec 06, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Best financial/Investing book in your opinion to read
Replies: 7
Views: 803

Re: Best financial/Investing book in your opinion to read

Wezzley77, welcome to the forum.
Wezzley77 wrote:Id like to know what books you have read or suggest for investing or money management or both.
Books: recommendations and reviews
by Duckie
Wed Dec 06, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2368

Re: 112K pension- need help w/the rest

I'll treat the annual pension payout I am currently receiving ($112k) as a safe bond type portfolio. I disagree with this. Some people think of a pension as a bond which means they feel they can take more risks and therefore hold fewer actual bonds. Some think of it as a reliable income stream whic...
by Duckie
Wed Dec 06, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Questions Regarding Back Door Roth IRA With Existing Accounts
Replies: 4
Views: 356

Re: Questinons Regarding Back Door Roth IRA With Exisisting Accounts

If we can get the money into a 401k by 12/31 from the previous trad ira roll over can we still do the back door roth? If it gets pushed into 2018 what does that mean? If you can't get the rollover IRA moved then you wait until 2018 to convert. It's not a big deal. The money that is already in the R...
by Duckie
Tue Dec 05, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Need help choosing bond funds in my wife's 401k
Replies: 6
Views: 407

Re: Need help choosing bond funds in my wife's 401k

So we were re-balancing our 401ks (going to 20% bonds from 10%), but my wife's bond options aren't the best (i.e. lack index funds) and I'm not sure how to proceed. Are your 401k bond options better? You could put the bond AA in your 401k instead of in hers. PIMCO Total Return Fund Institutional Cl...
by Duckie
Tue Dec 05, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Rollover to Vanguard from Current Employer
Replies: 6
Views: 496

Re: 403(b) Rollover to Vanguard from Current Employer

The funds they have her invested in are as follows: Does this mean she doesn't choose which funds to invest in, they choose for everyone? Are there any other options or is this it? If she has a choice of what to invest in she should choose CREF Stock for US stocks and TIAA Traditional for fixed inc...
by Duckie
Mon Dec 04, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage for Foreigners (Outside USA) to Buy USA Equities
Replies: 2
Views: 188

Re: Brokerage for Foreigners (Outside USA) to Buy USA Equities

RunPacoRun , welcome to the forum. Can anyone recommend any brokerages (based anywhere) that'll allow non-USA residents and non-USA citizens to buy USA equities? Leaving aside the issue of having your relatives copy your AA, Interactive Brokers has many Vanguard Irish-domiciled ETFs, which means fo...
by Duckie
Mon Dec 04, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity FIAM investments
Replies: 2
Views: 301

Re: Fidelity FIAM investments

swenson19 , welcome to the forum. What is the best investment to weather stormy seas? Without knowing the plan expense ratios, the best options in the 401k appear to be: NT S&P 500 INDEX -- Large caps, 80% of US stocks NT EXT EQ MKT IDX -- Mid/small caps, 20% of US stocks NT MSCI ACWI IDX NL -- Alm...
by Duckie
Mon Dec 04, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusting ROTH IRA contribution because of severance
Replies: 8
Views: 858

Re: Adjusting ROTH IRA contribution because of severance

[Post removed by admin LadyGeek]
The H.R.1 - Tax Cuts and Jobs Act passed the House and passed the Senate [OT comments removed by admin LadyGeek]
by Duckie
Sun Dec 03, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k roll-over prior to moving to much higher tax bracket
Replies: 3
Views: 212

Re: Help with 401k roll-over prior to moving to much higher tax bracket

jeff622859 , welcome to the forum. I have a 401k (~$19,000) that i would like to roll-over to a Roth IRA: 1. can i roll the entire $19,000 this year? Since the 401k is from a former employer, yes. 2. if i do, can i still in addition contribute my usual yearly $5,500 into my other Roth IRA? Yes. A r...
by Duckie
Sun Dec 03, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Suggested reading for Norwegian coast trip
Replies: 18
Views: 1019

Re: Suggested reading for Norwegian coast trip

ResearchMed wrote:Are there any recommendations of light reading in English?
Mysteries are especially welcomed.
Top 10 Nordic Noir Novels of 2016 has of couple of Norwegian mysteries.

Norwegian Mystery series
by Duckie
Fri Dec 01, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA - uh oh
Replies: 16
Views: 1999

Re: Backdoor Roth IRA - uh oh

How can I calculate if we should have done a Backdoor Roth IRA contribution? (Gross HH Income) - (401k contributions) - (Taxes) = AGI? ($257,000) - ($36,000) - (Unknown) = AGI? Is that right? No. Taxes are after the AGI, not before. You're above the limit. If I did contribute to the Roth IRA and sh...
by Duckie
Fri Dec 01, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: ETRADE - Northern Stock Index - FEES
Replies: 5
Views: 391

Re: ETRADE - Northern Stock Index - FEES

I don't think ETRADE has a no fee 3 fund portfolio option anymore. I'm looking to get out of ETRADE, where do you suggest I go to find good low-cost funds? I know that a lot of you use Vanguard, but are there other options that are perhaps better or just as competitive? Vanguard sells Vanguard fund...
by Duckie
Fri Dec 01, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio rebalancing
Replies: 5
Views: 502

Re: Help with portfolio rebalancing

socguy , welcome to the forum. Funds available in 401(k) The best options are: U.S. Large Cap Stock (ER 0.05%) Core Bond Fund (ER 0.10%) or one of the LifeCycle funds Since you have a taxable account for retirement I would not use a LifeCycle fund in the 401k or any balanced fund in the IRAs. Shoul...
by Duckie
Fri Dec 01, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice/evaluation
Replies: 3
Views: 362

Re: Portfolio advice/evaluation

Funds available in 401(k) The best options are: ISHARES S&P 500 INDEX (BSPIX) (0.11%) -- Large caps, 80% of US stocks ISHARES RUSSELL 2000 (MASKX) (0.20%) -- Small caps, 15% of US stocks ISHARES MSCI EAFE INTRNL (MAIIX) (0.15%) -- Developed markets, 75% of international stocks VOYA INTERMEDIATE BON...
by Duckie
Fri Dec 01, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401(k), SEP IRA, Traditional IRA in same year
Replies: 2
Views: 171

Re: Solo 401(k), SEP IRA, Traditional IRA in same year

Assuming you had infinite funds in savings, would it be possible to (i) max your 403(b) at work ($18,000), Yes. (ii) max a traditional IRA ($5,500), Yes. (iii) max a solo 401(k) employER contribution and (iv) max a SEP IRA contribution (employER? does this work like a solo 401(k)?)? You can't contr...
by Duckie
Thu Nov 30, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Target date to 3 Fund Conversion
Replies: 5
Views: 328

Re: 401k Target date to 3 Fund Conversion

Maybe a 5 Fund portfolio? 30% VANG 500 INDEX ADM (VFIAX) 15% VANG MIDCAP IDX ADM (VIMAX) 15% VANG SM CAP IDX ADM (VSMAX) 30% VANG DEV MKT IDX ADM (VTMGX) 10% VANG INTM BD IDX ADM (VBILX) 500 Index is about 80% of US stocks, Mid cap is about 6%, and Small cap around 14%. Since your US stock AA is 60...
by Duckie
Wed Nov 29, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Moved But Which State to File In?
Replies: 6
Views: 462

Re: Moved But Which State to File In?

What are the rules? In New Hampshire you file the regular return as a part-year resident and will pay taxes on a pro-rated share of interest/dividends (see here ). In Oregon you file a Part-year resident return OR-40-P (see here for 2016 forms and instructions). You will pay taxes on a pro-rated sh...
by Duckie
Tue Nov 28, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to minimize trade fees within individual 401k?
Replies: 5
Views: 310

Re: How to minimize trade fees within individual 401k?

EMCC , welcome to the forum. I am about to open my first individual 401k and plan to use a 4 -5 index fund portfolio, ideally with vanguard ETFs. <snip> Is there another way to minimize monthly trading fees? You could open the solo 401k at Vanguard and use Vanguard index funds or you could open it ...
by Duckie
Tue Nov 28, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Possibilities after Roth and 401k max
Replies: 9
Views: 1308

Re: Possibilities after Roth and 401k max

I'm planning to move my 401k funds from an old employer over to Vanguard. Will your current 401k take incoming rollovers? Vanguard Roth IRA VBMFX Vanguard Total Bond Market Index Fund Investor Shares (0.15%) Generally it's better to put assets with lower expected growth (bonds) in pre-tax accounts ...
by Duckie
Mon Nov 27, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a few months (70 and 68 year old)
Replies: 10
Views: 1305

Re: Retiring in a few months (70 and 68 year old)

They would not be able to tell you a numerical asset allocation, though, so I am curious how would you split up their cash and IRA accounts if you were their age and in their position? Since your parents are risk-averse, at their ages I recommend an AA of 40% stocks, 60% bonds, with 30% of stocks i...
by Duckie
Mon Nov 27, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting high income in 2018 ($1m+) looking for advice
Replies: 16
Views: 3147

Re: Expecting high income in 2018 ($1m+) looking for advice

2017: $54,000 contributed - $30,000 employer contribution (tax deferred) - $24,000 personal contribution (after tax) converted to roth via backdoor conversion. How were you able to contribute 24K as EmployEE since you are in 30s age group? There are three possible ways to contribute as an employEE:...
by Duckie
Sun Nov 26, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: A little money - Less investing knowledge - Help please!
Replies: 7
Views: 691

Re: A little money - Less investing knowledge - Help please!

I'm Single and lucky to be in good health with no medical issues and on no medications. I hope to retire modestly in 7 years. Are you over age 50? I have a savings account: $106,925.00 That's a lot of cash. What's your plan for this? I'm planning to call Fidelity about using a portion of my savings...
by Duckie
Sat Nov 25, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Unfortunately I learned to save late in life, help me choose optimal 401(K) funds, can't believe I'm turning 40 yrs old
Replies: 10
Views: 1522

Re: Unfortunately I learned to save late in life, help me choose optimal 401(K) funds, can't believe I'm turning 40 yrs

Current Employer 401(k) and Roth 401(k) Fund Choices: The best options are: Vanguard Total Stock Market Index Admiral (VTSAX)(.05%) -- Complete US stocks Vanguard Total Bond Market Index Admiral (VBTLX)(.05%) -- US bonds Emergency Funds: $0 (I am working on this.) Work harder. Stop contributing to ...
by Duckie
Thu Nov 23, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Youngin' looking for help.
Replies: 11
Views: 910

Re: Youngin' looking for help.

If I left my job, it would be to go to school. After school, I may take a job with lower earnings. Not sure how this would affect your advice if at all. Where I could foreseeable get loans or get a scholarship. Either way, I will indeed need money to live during that period. Do you have any general...
by Duckie
Wed Nov 22, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Youngin' looking for help.
Replies: 11
Views: 910

Re: Youngin' looking for help.

helpmebby , welcome to the forum. Should I open an (roth) IRA and should I max it? At your income you can't contribute to a Roth IRA directly but you can using the Backdoor Roth IRA method. Yes, max it. Should I max my 401k? Yes. Even if i do both of these I should still be able to stash a good dea...
by Duckie
Wed Nov 22, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 49
Views: 2983

Re: Making collegebound Kid Financially Savvy Questions..

I wanted to open a ROTH IRA for her and match her savings. However, Vanguard has 3000 minimum for Target Date Retirement Fund. What options do I have other than that? The minimum initial investment for the Target Retirement funds is $1,000, not $3,000, example: ( VTTSX ) Vanguard Target Retirement ...
by Duckie
Tue Nov 21, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Best Taxable Account Option - Vanguard Core Bond, REIT, or Global Wellington
Replies: 9
Views: 872

Re: Question about Best Taxable Account Option - Vanguard Core Bond, REIT, or Global Wellington

I've reached the point that my tax sheltered space is all tied up in Vanguard Core Bond, US REIT, and Global Wellington. Which should I start to move to my taxable individual account? None of them are suitable in taxable. Wellington is 2/3 stocks. If you swap that fund for Core Bond you'll have mor...
by Duckie
Tue Nov 21, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Check my portfolio
Replies: 14
Views: 1416

Re: Check my portfolio

yncraig316 , welcome to the forum. I'm looking to invest my disposable income amongst these three funds. If by "disposable income" you mean the three funds listed as *Taxable* then I think you should use Total Stock Market and Total International. Is this plan diverse enough? Total Stock is better ...
by Duckie
Tue Nov 21, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: About to make big changes, second opinions? Vanguard v. Schwab & SEP401k Qs
Replies: 4
Views: 654

Re: About to make big changes, second opinions? Vanguard v. Schwab & SEP401k Qs

lifix , welcome to the forum. I believe that 2017 will be the last year I contribute to my Roth IRA Why? Why not continue to contribute to a Roth IRA? and I'd like to open up a SEP401k, because that should let me stash a lot more money in a tax advantaged account? There is no such thing as a SEP401...
by Duckie
Mon Nov 20, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring all funds to new elections
Replies: 7
Views: 462

Re: Transferring all funds to new elections

I have $xxx,xxx sitting in my old funds. I need to allocate it into my new funds. Should I put a larger lump sum into the Total Bond Market just to have a more stable lump there? Move it all based on the corresponding percentages? Put a lot into VINIX? You have a desired AA of 49/11/20/20. Just exc...
by Duckie
Mon Nov 20, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: help w/ deceased spouses 401K
Replies: 1
Views: 267

Re: help w/ deceased spouses 401K

ed1claudia , welcome to the forum. Can I roll his 401k into my 403b without any tax consequences? You can roll the 401k into your 403b if your 403b allows incoming rollovers. Not all do. There would be no tax consequences. You could also roll the 401k into your traditional IRA with no tax consequen...
by Duckie
Sun Nov 19, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed—Vanguard 403b
Replies: 7
Views: 418

Re: Advice needed—Vanguard 403b

I think part of my hesitation is more psychological; having the Roth at 100% equity while the 403b is fairly conservative. In general it's better to put assets with lower expected growth (bonds) in pre-tax accounts (because they're going to be taxed later) and assets with higher expected growth (st...
by Duckie
Sun Nov 19, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best Method To Correct Roth IRA Excess Contributions
Replies: 11
Views: 791

Re: Best Method To Correct Roth IRA Excess Contributions

IndexRookie wrote:Interesting, so there's no 10% early withdrawal penalty on the earnings (NIA)?
That's because you're not withdrawing them, you're converting them. There's a difference.
by Duckie
Sun Nov 19, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed—Vanguard 403b
Replies: 7
Views: 418

Re: Advice needed—Vanguard 403b

Would something like this work? Yes. This is an excellent plan. Almost all of the rebalancing would be done through the 403b. Should the rebalancing occur through new purchases (paycheck contributions) or exchanging from the funds themselves? In the 403b set up your contributions to be roughly 20/2...
by Duckie
Sun Nov 19, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments
Replies: 12
Views: 721

Re: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments

Is there any way at all for me to rollover funds from the SIMPLE-IRA and fully avoid taxes somehow? Or since all of my money is in tax-deferred IRAs I would simply have to pay taxes on whatever amount is converted? You appear to have your own business. Do you have employees (other than your wife)? ...
by Duckie
Fri Nov 17, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Max out 403b or open solo 401k?
Replies: 4
Views: 256

Re: Max out 403b or open solo 401k?

My thought was that I'd have more control over a solo 401k than my 403b, plus slightly better fund options. The best fund options in my 403b are indexed funds with .60% expense ratio. I know there are cheaper options with Fidelity for solo 401k. In a solo 401k at Fidelity you can buy: Total Market ...
by Duckie
Fri Nov 17, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 97
Views: 9860

Re: Buying and Spending Bitcoin

What happens if you lose the "master seed key?" Do you end up with a big wheel of bitcoin at the bottom of the sea... still there, "safe," can't be stolen by anybody else, just inaccessible to you? I forgot my PIN: an epic tale of losing $30,000 in Bitcoin . This article is by a guy who lost his ma...
by Duckie
Thu Nov 16, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about IRA deduction Limts
Replies: 15
Views: 843

Re: Confused about IRA deduction Limts

Still, why would anyone want to make a Traditional IRA contribution if they couldn't deduct it? It seems you're allowed to do the full amount even if you can only deduct a portion of it, or am I wrong about that? Person X makes too much to contribute to a Roth IRA but can't use the backdoor method ...