Roth IRA help

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Topic Author
RNMedic
Posts: 3
Joined: Mon Dec 02, 2019 4:24 pm

Roth IRA help

Post by RNMedic » Mon Dec 02, 2019 8:24 pm

I have been contributing $100 to a Roth IRA for several years. I am wanting to up my investment to the max of $6000 per year. I am also wanting to get my 19-year-old daughter to start investment to put back for retirement. I am currently with American Funds that was recommended by Dave Ramsey smart vestor pro. I really don't know anything about this stuff. I just purchased the Bogleheads book and that is how I found this site. Can anyone help me make sure I am doing the right things? This is so confusing..

lakpr
Posts: 3064
Joined: Fri Mar 18, 2011 9:59 am

Re: Roth IRA help

Post by lakpr » Mon Dec 02, 2019 8:45 pm

Please can you post what exactly your Roth IRA is invested in? Better yet, can you fill out the following questionnaire?

Asking Portfolio Questions

Without knowing first what you are invested in, it's difficult to provide suggestions that would help you out.
Last edited by lakpr on Mon Dec 02, 2019 9:09 pm, edited 1 time in total.

Bama12
Posts: 50
Joined: Fri Aug 30, 2019 11:48 pm

Re: Roth IRA help

Post by Bama12 » Mon Dec 02, 2019 8:47 pm

Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS

dru808
Posts: 180
Joined: Sat Oct 15, 2011 2:42 pm

Re: Roth IRA help

Post by dru808 » Mon Dec 02, 2019 8:48 pm

Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
Is this a swedroe portfolio?

lakpr
Posts: 3064
Joined: Fri Mar 18, 2011 9:59 am

Re: Roth IRA help

Post by lakpr » Mon Dec 02, 2019 8:49 pm

Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
You serious? You decided that this is the best portfolio for RNMedic without even knowing what he/she actually holds now?

ExitStageLeft
Posts: 1631
Joined: Sat Jan 20, 2018 4:02 pm

Re: Roth IRA help

Post by ExitStageLeft » Mon Dec 02, 2019 8:50 pm

Welcome to the forum!

There is a wiki linked at the top of the page that has a lot of useful information. I recommend you click on it and got to the Getting Started page and then watch the videos about the Bogleheads investment philosophy: https://www.bogleheads.org/wiki/Video:B ... philosophy

Topic Author
RNMedic
Posts: 3
Joined: Mon Dec 02, 2019 4:24 pm

Re: Roth IRA help

Post by RNMedic » Mon Dec 02, 2019 9:56 pm

Emergency funds: Three to six months of expenses (indicate if you have this, but it is generally not part of your asset allocation) YES

Debt: Home 20K left
Tax Filing Status: Married with a 19 year old daughter

Tax Rate: xx% Federal, xx% State

State of Residence: NC

Age: 45

Desired Asset allocation: xx% stocks / xx% bonds
Desired International allocation: xx% of stocks

Can retire in 7 more years with a State pension if I can afford to

AMCAP Fund (AMCPX)
Fund Transactions $33.55 0.000 $0.00
Capital World Growth and Income Fund (CWGIX)
Fund Transactions $50.58 0.000 $0.00
Fundamental Investors (ANCFX)
Fund Transactions $62.88 115.551 $7,265.85
SMALLCAP World Fund (SMCWX)
Fund Transactions $59.19 116.906 $6,919.67


Current retirement assets

Taxable
xx% cash (for investing – do not include emergency funds)
xx% fund name (ticker symbol) (expense ratio)
xx% stock company name (ticker symbol)

His 401k
xx% fund name (ticker symbol) (expense ratio)
Company match?

His Roth IRA at Vanguard
xx% fund name (ticker symbol) (expense ratio)
xx% fund name (ticker symbol) (expense ratio)

His Rollover IRA at Schwab
xx% fund name (ticker symbol) (expense ratio)

Her 403b
xx% fund name (ticker symbol) (expense ratio)
Company match?

Her SIMPLE IRA at Fidelity
xx% fund name (ticker symbol) (expense ratio)

Her Traditional IRA at Vanguard
xx% fund name (ticker symbol) (expense ratio)
_______________________________________________________________
Note: Total percentage of all the above accounts together (not each account individually) should equal 100%.

Contributions

New annual Contributions
$xx his 401k (also specify any employer matching contributions)
$xx her 403b (also specify any employer matching contributions)
$xx his IRA/Roth IRA
$xx her IRA/Roth IRA
$xx taxable (for retirement, not short term goals)

Available funds

Funds available in his 401(k)
Fund name (ticker symbol) (expense ratio)
Fund name (ticker symbol) (expense ratio)
Fund name (ticker symbol) (expense ratio)

Funds available in her 403(b)
Fund name (ticker symbol) (expense ratio)
Fund name (ticker symbol) (expense ratio)
Fund name (ticker symbol) (expense ratio)

Questions:
1.

2.

Key Points

* Please make sure that you've provided all the information requested above. Omitting information often results in delays and/or longer exchanges.
* The format is set up using traditional his and her pronouns and we realize this does not represent every couple who might want to post portfolio questions. Feel free to use whatever pronouns or identifying names you prefer as long as it is clear which assets belong to which person.
* Please post fund names, not just ticker symbols.
* If you have an account in a retirement plan with your employer, be sure to enter the expense ratios for the funds as they are in your company's specific plan; often the fund expense ratios in 401k/403b/457 plans are different from the "retail" expense ratios you will find for a fund when doing an internet search.
* If you see several different expense ratios for a single fund, use the net expense ratio.
* Please make sure that percentages add up to 100% across all of your accounts, not within each account. For example:

Taxable:
35% Fidelity Total Lunar Active Fund (FLUNX) (0.01%)
35% Schwab Black Hole Bonds Fund (SBLKX) (1.50%)

His 401(k):
05% Vanguard Total Jupiter Stock Market Index fund (VJUPX) (0.05%)
25% Vanguard Total Venus Stock Market Index fund (VENUX) (0.03%)

The percentage total of all funds (Taxable + His 401(k)) is 100%.

MotoTrojan
Posts: 6833
Joined: Wed Feb 01, 2017 8:39 pm

Re: Roth IRA help

Post by MotoTrojan » Mon Dec 02, 2019 10:02 pm

Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
This is so beyond over complicated and redundant it’s absurd.

LOLC2k
Posts: 43
Joined: Fri Feb 09, 2018 8:42 pm

Re: Roth IRA help

Post by LOLC2k » Mon Dec 02, 2019 10:26 pm

Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
Nope.

CommitmentDevice
Posts: 68
Joined: Tue Apr 02, 2019 3:25 am

Re: Roth IRA help

Post by CommitmentDevice » Mon Dec 02, 2019 10:41 pm

Hi RNMedic,
Welcome to the forum!
* Much of the advice you'll get here is excellent. Some of it isn't. So you'll need to sort through things a bit.
* Please be patient with us. We're offering advice based upon very little information. We'll try to communicate clearly what information we need from you so that we can give you the best advice we can.

Going off of what you've shared so far, my advice is as follows:
* If you want a simple answer of "what should I invest in?" then I suggest a Vanguard Target Retirement Date fund relative to when you think you'll retire. If you're planning to retire at 65 then you could go with the Vanguard 2040 target retirement fund (https://investor.vanguard.com/mutual-fu ... file/VFORX). These funds do a good job of embodying Boglehead principles... very diversified, very low fees, an asset allocation that has an appropriate level of risk for most people your age, and ridiculously simple. You can replace all of the funds you currently have with this one fund. Then, set up a monthly auto-investment into the fund. For your daughter, the 2065 target retirement fund could be a good fit (https://investor.vanguard.com/mutual-fu ... file/VLXVX).
* If you want a deeper answer, I recommend that you read the Boglehead book (there are three of them - which one do you have?) and/or go through the videos recommended previously in this thread. A bit more investing education will go a long way in securing your financial future.

Topic Author
RNMedic
Posts: 3
Joined: Mon Dec 02, 2019 4:24 pm

Re: Roth IRA help

Post by RNMedic » Mon Dec 02, 2019 10:45 pm

Thank you so much. I have the Bogleheads guide to investing. I have started watching the videos and trying to learn.

User avatar
Brianmcg321
Posts: 335
Joined: Mon Jul 15, 2019 8:23 am

Re: Roth IRA help

Post by Brianmcg321 » Mon Dec 02, 2019 10:58 pm

Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
Lol. WTF?
Rules to investing: | 1. Don't lose money. | 2. Don't forget rule number 1.

User avatar
Brianmcg321
Posts: 335
Joined: Mon Jul 15, 2019 8:23 am

Re: Roth IRA help

Post by Brianmcg321 » Mon Dec 02, 2019 10:59 pm

RNMedic wrote:
Mon Dec 02, 2019 10:45 pm
Thank you so much. I have the Bogleheads guide to investing. I have started watching the videos and trying to learn.
Take your time.

I would also suggest this blog:
https://jlcollinsnh.com/stock-series/
Rules to investing: | 1. Don't lose money. | 2. Don't forget rule number 1.

Bama12
Posts: 50
Joined: Fri Aug 30, 2019 11:48 pm

Re: Roth IRA help

Post by Bama12 » Mon Dec 02, 2019 11:03 pm

dru808 wrote:
Mon Dec 02, 2019 8:48 pm
Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
Is this a swedroe portfolio?
Paul Merriman, I think it's also Swedroe Big Rocks portfolio. I got it from Paul.
Last edited by Bama12 on Mon Dec 02, 2019 11:11 pm, edited 1 time in total.

Bama12
Posts: 50
Joined: Fri Aug 30, 2019 11:48 pm

Re: Roth IRA help

Post by Bama12 » Mon Dec 02, 2019 11:04 pm

lakpr wrote:
Mon Dec 02, 2019 8:49 pm
Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
You serious? You decided that this is the best portfolio for RNMedic without even knowing what he/she actually holds now?
Why do I need to know what they hold now? They can change it.

Bama12
Posts: 50
Joined: Fri Aug 30, 2019 11:48 pm

Re: Roth IRA help

Post by Bama12 » Mon Dec 02, 2019 11:08 pm

MotoTrojan wrote:
Mon Dec 02, 2019 10:02 pm
Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
This is so beyond over complicated and redundant it’s absurd.
This is not complicated at all, 10% to each class.

dru808
Posts: 180
Joined: Sat Oct 15, 2011 2:42 pm

Re: Roth IRA help

Post by dru808 » Mon Dec 02, 2019 11:43 pm

Bama12 wrote:
Mon Dec 02, 2019 11:03 pm
dru808 wrote:
Mon Dec 02, 2019 8:48 pm
Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
Is this a swedroe portfolio?
Paul Merriman, I think it's also Swedroe Big Rocks portfolio. I got it from Paul.

Lol, that’s who I meant. I get these financial planners mixed up in my head.

Bama12
Posts: 50
Joined: Fri Aug 30, 2019 11:48 pm

Re: Roth IRA help

Post by Bama12 » Tue Dec 03, 2019 12:00 am

dru808 wrote:
Mon Dec 02, 2019 11:43 pm
Bama12 wrote:
Mon Dec 02, 2019 11:03 pm
dru808 wrote:
Mon Dec 02, 2019 8:48 pm
Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
Is this a swedroe portfolio?
Paul Merriman, I think it's also Swedroe Big Rocks portfolio. I got it from Paul.

Lol, that’s who I meant. I get these financial planners mixed up in my head.
I really like Paul and Swedroe. My Roth is Paul's best in class ETFs. I do change a few to Vanguard funds but same class.
My 401k portfolio is center around Bill Schultheis coffeehouse portfolio.
I only rebalance once a year and only if i'm way off.

MotoTrojan
Posts: 6833
Joined: Wed Feb 01, 2017 8:39 pm

Re: Roth IRA help

Post by MotoTrojan » Tue Dec 03, 2019 12:24 am

Bama12 wrote:
Mon Dec 02, 2019 11:08 pm
MotoTrojan wrote:
Mon Dec 02, 2019 10:02 pm
Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
This is so beyond over complicated and redundant it’s absurd.
This is not complicated at all, 10% to each class.
To each their own. I never really understood the rationale behind holding a blend variant and a value variant of an asset class, let alone doing that with every class you hold (except for the REITs) as you have shown here. I hold Total US and then have a strong tilt to SCV, but that is quite different than holding equal weights IJR and SLYV, or VSS & DLS/DGS.

Bama12
Posts: 50
Joined: Fri Aug 30, 2019 11:48 pm

Re: Roth IRA help

Post by Bama12 » Tue Dec 03, 2019 12:40 am

MotoTrojan wrote:
Tue Dec 03, 2019 12:24 am
Bama12 wrote:
Mon Dec 02, 2019 11:08 pm
MotoTrojan wrote:
Mon Dec 02, 2019 10:02 pm
Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
This is so beyond over complicated and redundant it’s absurd.
This is not complicated at all, 10% to each class.
To each their own. I never really understood the rationale behind holding a blend variant and a value variant of an asset class, let alone doing that with every class you hold (except for the REITs) as you have shown here. I hold Total US and then have a strong tilt to SCV, but that is quite different than holding equal weights IJR and SLYV, or VSS & DLS/DGS.
Nothing at all wrong with Total US and SCV.I have really thought about changing my 401k or Roth to it. At this stage in my life I still want US,Developed and Emerging. I'm a big believer in value and small but add blend to get some growth.

MotoTrojan
Posts: 6833
Joined: Wed Feb 01, 2017 8:39 pm

Re: Roth IRA help

Post by MotoTrojan » Tue Dec 03, 2019 12:54 am

Bama12 wrote:
Tue Dec 03, 2019 12:40 am
MotoTrojan wrote:
Tue Dec 03, 2019 12:24 am
Bama12 wrote:
Mon Dec 02, 2019 11:08 pm
MotoTrojan wrote:
Mon Dec 02, 2019 10:02 pm
Bama12 wrote:
Mon Dec 02, 2019 8:47 pm
Open a Roth at Vanguard buy ETFS. Put 10% in each fund below.

Vanguard Total Stock Maket-VTI
Invesco S&P 500 Pure Value-RPV
Ishares Core S&P Small Cap-IJR
SPDR S&P 600 Small Cap Value-SLYV
Vanguard RETI Index-VNQ
SPDR International Developed Blend-SPDW
Vangaurd International HIGH Dividend-VYMI
Vanguard FTSE All-World ex-US Small-Cap-VSS
Wisdomtree International Small Cap Dividend-DLS
WisdomTree Emerging Markets Small Cap-DGS
This is so beyond over complicated and redundant it’s absurd.
This is not complicated at all, 10% to each class.
To each their own. I never really understood the rationale behind holding a blend variant and a value variant of an asset class, let alone doing that with every class you hold (except for the REITs) as you have shown here. I hold Total US and then have a strong tilt to SCV, but that is quite different than holding equal weights IJR and SLYV, or VSS & DLS/DGS.
Nothing at all wrong with Total US and SCV.I have really thought about changing my 401k or Roth to it. At this stage in my life I still want US,Developed and Emerging. I'm a big believer in value and small but add blend to get some growth.
Adding growth is the same as subtracting value. You either get exposure to the factor or you take it away. Again, I think this is overcomplicating, redundant, and actually removing the expected benefit, but if it works for you then great. OP has never maxed out a IRA so I don't think they are at the point of needing to manage an allocation of 10 different ETFs.

adamb
Posts: 40
Joined: Mon Nov 04, 2013 4:53 am

Re: Roth IRA help

Post by adamb » Tue Dec 03, 2019 1:56 am

RNMedic wrote:
Mon Dec 02, 2019 8:24 pm
Can anyone help me make sure I am doing the right things? This is so confusing.
People here have rightly asked for more details on your current situation, and given you have a 19y/o daughter, your question is really hard to answer well without it. (You're likely fine with two funds, Vanguard's Total Stock Market Index (VTSAX) and Vanguards Total Bond Market Index (VBTLX), but the ratio of each will depend on your age, financial situation, and outlook for the next 10 or 20 years.)

Your daughter's situation is likely more straightforward. She can open a Roth IRA at any of the big three (or several others), and invest in a good broad market index fund. Schwab, Fidelity, or Vanguard will each serve her well, and they each have a total market index that should be fine.

Respectively, she should consider SWTSX (Schwab), FSKAX (Fidelity), or VTSMX (Vanguard).

Fidelity has a 2% cash back credit card which is nice, presuming she'll pay it off every month. Schwab has relatively seamless banking that my wife and I have used for more than a decade. Vanguard is lacking in both customer service and convenience for new investors, but it's perhaps the most stable of the companies with the right stuff to set up (and then ignore) an IRA for the long term.

Keep asking questions. You're on the right track.

Best,

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