Search found 1257 matches

by Cash
Sat Mar 13, 2010 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for young newlyweds
Replies: 5
Views: 1755

Laura and Landy--thank you both very much for your suggestions. Laura, that was my impression as well upon learning of my 401(k) choices: nice that they included some low-cost index funds, but unfortunate in that they largely overlap with my wife's. Landy, I currently have the Roth IRAs with Schwab ...
by Cash
Sat Mar 13, 2010 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for young newlyweds
Replies: 5
Views: 1755

Re: Portfolio advice for young newlyweds

3. Should I contribute $10k to a Roth IRA (conversion) next year, or pay down the loans? I am leaning toward the former, since I will hopefully have paid off my two highest-rate loans by then, and the rest will be in the 4-5% range. I have a similar tax rate and student loan profile, and am maxing ...
by Cash
Sat Mar 13, 2010 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for young newlyweds
Replies: 5
Views: 1755

Portfolio advice for young newlyweds

My wife and I got married recently, and although I am the primary reason she has invested at all and have managed her portfolios for the past couple of years, I have not really viewed them as a cohesive whole until now. Your advice would be appreciated. Here is the info: Emergency funds = 5 months o...
by Cash
Fri Mar 12, 2010 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to move out of mutual funds and into indiv. stocks?
Replies: 61
Views: 7545

Ah, so you're in my second phase as noted above. Good luck, and we'll see you in a couple of years :)
by Cash
Thu Mar 11, 2010 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to move out of mutual funds and into indiv. stocks?
Replies: 61
Views: 7545

Pretty much everybody goes through this phase, I know I did when I was 24. I was arrogant because I was smart and well educated, but ignorant, because frankly financial education in this country is a joke and, for the most part, dictated by the financial institutions that are built to profit from t...
by Cash
Wed Mar 10, 2010 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Ready to move out of mutual funds and into indiv. stocks?
Replies: 61
Views: 7545

I would not "play" in a Roth IRA. The future-tax-free characteristics of a Roth are too precious to lose money in it. There is no easy way to top it up after losses because of the contribution restrictions. And you cannot deduct losses in the Roth IRA from your taxes. Point taken. I was primarily t...
by Cash
Wed Mar 10, 2010 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Ready to move out of mutual funds and into indiv. stocks?
Replies: 61
Views: 7545

I agree with the others that you should definitely stop playing around with your parents' money. Post the options available in their retirement accounts, get advice on establishing a nice allocation, and leave it alone. Now, as for your money, I'm also young (26) and recently had the "play the marke...