I have 401k investments - what about my Roth IRA?

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ChristopherRobin
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Joined: Wed Aug 08, 2018 3:58 pm

I have 401k investments - what about my Roth IRA?

Post by ChristopherRobin » Wed Sep 12, 2018 3:13 pm

I'm 31, and contribute to my employer's 401(k) plan. I currently hold 80% VANG INSTL TOTL SK TR and 20% VANG INSTL TOTL BD TR.

This leaves me wondering what to do wth my Roth IRA that I've contributed to since I was 18. I currently have no investments in it, but want to get moving on it! I like they idea of a 3-4 fund portfolio, but I can't figure out what to utilize the Roth IRA for that the 401(k) doesn't already have. I know I have no international investments, but I feel the need to invest my Roth IRA into something with better returns than international.

Any thoughts?

TwstdSista
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Joined: Thu Nov 16, 2017 4:03 am

Re: I have 401k investments - what about my Roth IRA?

Post by TwstdSista » Wed Sep 12, 2018 3:16 pm

I'd invest in a Total Stock Market Index Fund and/or a Total International Index Fund. Easy peasy!

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BL
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Re: I have 401k investments - what about my Roth IRA?

Post by BL » Wed Sep 12, 2018 3:19 pm

TwstdSista wrote:
Wed Sep 12, 2018 3:16 pm
I'd invest in a Total Stock Market Index Fund and/or a Total International Index Fund. Easy peasy!
+1
Is it at Vanguard?

retiringwhen
Posts: 511
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Location: New Jersey, USA

Re: I have 401k investments - what about my Roth IRA?

Post by retiringwhen » Wed Sep 12, 2018 3:22 pm

TwstdSista wrote:
Wed Sep 12, 2018 3:16 pm
I'd invest in a Total Stock Market Index Fund and/or a Total International Index Fund. Easy peasy!
easiest way to go may be to buy VT (Total World Stock ETF). Give you some international in your overall AA and give you some diversification in your most valuable tranche from a tax treatment perspective.

Flyer24
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Re: I have 401k investments - what about my Roth IRA?

Post by Flyer24 » Wed Sep 12, 2018 3:26 pm

Just do the same as your 401k. Although if you wanted to add international, you could go 60% domestic, 20% international, and 20% bonds.

ChristopherRobin
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Joined: Wed Aug 08, 2018 3:58 pm

Re: I have 401k investments - what about my Roth IRA?

Post by ChristopherRobin » Wed Sep 12, 2018 3:29 pm

BL wrote:
Wed Sep 12, 2018 3:19 pm
TwstdSista wrote:
Wed Sep 12, 2018 3:16 pm
I'd invest in a Total Stock Market Index Fund and/or a Total International Index Fund. Easy peasy!
+1
Is it at Vanguard?
Plan through work is with Fidelity and my Roth IRA is also at Fidelity, but I'm not opposed to moving the Roth somewhere else.
Last edited by ChristopherRobin on Wed Sep 12, 2018 3:31 pm, edited 1 time in total.

ChristopherRobin
Posts: 8
Joined: Wed Aug 08, 2018 3:58 pm

Re: I have 401k investments - what about my Roth IRA?

Post by ChristopherRobin » Wed Sep 12, 2018 3:30 pm

TwstdSista wrote:
Wed Sep 12, 2018 3:16 pm
I'd invest in a Total Stock Market Index Fund and/or a Total International Index Fund. Easy peasy!
Are you saying to invest in the same Total Market Index Fund as my 401(k) or use a different fund altogether?

TwstdSista
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Joined: Thu Nov 16, 2017 4:03 am

Re: I have 401k investments - what about my Roth IRA?

Post by TwstdSista » Wed Sep 12, 2018 4:03 pm

ChristopherRobin wrote:
Wed Sep 12, 2018 3:30 pm
TwstdSista wrote:
Wed Sep 12, 2018 3:16 pm
I'd invest in a Total Stock Market Index Fund and/or a Total International Index Fund. Easy peasy!
Are you saying to invest in the same Total Market Index Fund as my 401(k) or use a different fund altogether?
Sure. My Roth is invested in Fidelity Total Stock Market Index Fund Premium Class (FSTVX) ER 0.015% and the husband's Roth is invested in the same fund as well as Fidelity Total International Market Index Fund Premium Class (FTIPX) ER 0.06% -- both of those funds are also in our Rollover IRAs and my solo 401k.

We have the same three funds invested across five accounts.

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BL
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Re: I have 401k investments - what about my Roth IRA?

Post by BL » Wed Sep 12, 2018 4:49 pm

ChristopherRobin wrote:
Wed Sep 12, 2018 3:30 pm
TwstdSista wrote:
Wed Sep 12, 2018 3:16 pm
I'd invest in a Total Stock Market Index Fund and/or a Total International Index Fund. Easy peasy!
Are you saying to invest in the same Total Market Index Fund as my 401(k) or use a different fund altogether?
Fidelity has a similar total stock and probably international.

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