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rated:
Hi Guys -

I want to diversify my vanguard portfolio, I am referring to all my roth iras only in this situation.

Currently I have it as:

Voo 49 % - Stock - Large-Cap Blend
VBK 29 % - Stock - Small-Cap Growth
VEU 10 % - International
VSS 9 % International
VTI 1 % Stock - Large-Cap Blend
VWO 1 % International

Age: 33

what should I do to diversify this moving forward?


 just in case it matters, my 401k/roth 401k is composed of this:
 
 

Interm./Long-Term Bonds 7%

 
 
 

Large-Cap Stocks 35%

 
 
 

Small/Mid-Cap Stocks 31%

 
 
 

International Stocks 28%


rated:
atca1999 said:   Hi Guys -

I want to diversify my vanguard portfolio, I am referring to all my roth iras only in this situation.

Currently I have it as:

Voo 49 % - Stock - Large-Cap Blend
VBK 29 % - Stock - Small-Cap Growth
VEU 10 % - International
VSS 9 % International
VTI 1 % Stock - Large-Cap Blend
VWO 1 % International

Age: 33

what should I do to diversify this moving forward?


 just in case it matters, my 401k/roth 401k is composed of this:

 
 

Interm./Long-Term Bonds 7%

 

 
 

Large-Cap Stocks 35%

 

 
 

Small/Mid-Cap Stocks 31%

 

 
 

International Stocks 28%


  I don't really understand the point of owning VTI and VOO and small cap growth. If you are looking to round out VOO with some mid and small caps then I would either just use VTI or as you are doing add mid and small caps to VOO.

When people use the phrase "diversify" generally they are trying to decrease risk. Since we are only talking about equities and  you are spread pretty widely with an emphasis on small caps (VBK and VSS) I'm not sure adding anything else would necessarily add diversity so much as it would just complicate analyzing your portfolio.

If your goal is to decrease risk then I would back off of VWO, VBK and VSS in favor of VEU and VOO. That being said I think you have a nice aggressive holding that is still anchored in large caps (VOO, VEU). If you are truly interested in decreasing risk then you could increase your BND holding to 20% of your portfolio, but I'm not necessarily recommending doing that.

rated:
I have been doing Backdoor Roth IRA contributions for the past several years. This year, my family income may be decreasing to below the threshold for Roth IRA contributions so a direct Roth contribution would be allowed; however, I won't know for several more months what the projected annual income will be. I would prefer to make my contribution sooner, rather than later.

Is there any downside to doing a backdoor contribution now if I might otherwise qualify to make a direct contribution to a Roth IRA this year? I'm not coming up with any cons (other than the hassle of converting) but want to make sure I'm not overlooking anything. Thanks!

rated:
HKnight said:   I have been doing Backdoor Roth IRA contributions for the past several years. This year, my family income may be decreasing to below the threshold for Roth IRA contributions so a direct Roth contribution would be allowed; however, I won't know for several more months what the projected annual income will be. I would prefer to make my contribution sooner, rather than later.

Is there any downside to doing a backdoor contribution now if I might otherwise qualify to make a direct contribution to a Roth IRA this year? I'm not coming up with any cons (other than the hassle of converting) but want to make sure I'm not overlooking anything. Thanks!

  Can you not do a trad. IRA contribution now and do a recharacterization (if and) when you are sure you can make a direct Roth contribution? IOW, delay the "conversion" step of the backdoor contribution.

rated:
fwuser12 said:   
HKnight said:   I have been doing Backdoor Roth IRA contributions for the past several years. This year, my family income may be decreasing to below the threshold for Roth IRA contributions so a direct Roth contribution would be allowed; however, I won't know for several more months what the projected annual income will be. I would prefer to make my contribution sooner, rather than later.

Is there any downside to doing a backdoor contribution now if I might otherwise qualify to make a direct contribution to a Roth IRA this year? I'm not coming up with any cons (other than the hassle of converting) but want to make sure I'm not overlooking anything. Thanks!

  Can you not do a trad. IRA contribution now and do a recharacterization (if and) when you are sure you can make a direct Roth contribution? IOW, delay the "conversion" step of the backdoor contribution.

  No need to recharacterize if OP has no existing traditional IRAs.

rated:
I currently have no assets in a Traditional IRA. It seems like recharacterization and conversion would accomplish the exact same thing. What is the benefit of delaying the conversion? I do not intend to keep any holdings in a Traditional IRA.

rated:
In your situation, perhaps not much difference. If you already had a gain in the trad IRA contribution, I believe a recharacterization might be better.

rated:
Thanks for the guidance, fwuser12 & stanolshefski!

rated:
Hello, I want to check with you guys regarding my Roth IRA conversion plan.

I have a non-deductible IRA where the base is $2,000 and the current balance is $4,000 with Vanguard. (A)
I also have a non-deductible IRA where the base is $1,000 and the current balance is $2,000 with nfcu CD. (B)
To remove the capital gains before I do a roth conversion of A, I want to transfer $3,000 from A to my company 401k, then do a roth conversion of remaining $1,000 from A.
I don't know how I can do a roth conversion with B, so I will just keep it as it is.

Does this sound legitimate, or am I restricted to only $2,000 transfer from A to my 401k to keep at least $2,000 in A.

Relatedly, what happens if my remaining combined balance after 401k transfer drops below my sum of non-deductible contribution of $3,000 on the same day when the transfer to my 401k occurs due to a fund price drop?
Would I be in some trouble?

thanks a lot !
 

rated:
Have some questions about IRAs. I am married (49 YO) and contributing max of 17K to my company 401K. My wife (48 YO) also works and contributes to a teachers retirement fund (IMRF) via auto deductions from her paycheck. She also has an IRA that contains rollover amounts from her previous jobs.

Can we each also contribute to an individual IRA (and how much is allowed) and if so does that have to be automatically deducted from our paychecks to take advantage of the PRETAX?

rated:
PRO710 said:   Have some questions about IRAs. I am married (49 YO) and contributing max of 17K to my company 401K. My wife (48 YO) also works and contributes to a teachers retirement fund (IMRF) via auto deductions from her paycheck. She also has an IRA that contains rollover amounts from her previous jobs.

Can we each also contribute to an individual IRA (and how much is allowed) and if so does that have to be automatically deducted from our paychecks to take advantage of the PRETAX?

  IRA contribution limits are independent of 401k contribution. Since you both are under 50, you can each contribute a maximum of 5.5k in your IRA (can be split between traditional and Roth; 5.5k combined limit). Whether you can deduct.

If you are age 50 or older (you may hit this limit in 2015, depending on your birthday), you can each make a catchup contribution of 1k to your IRA (in addition to the usual limit for that year). Whether you can deduct your traditional IRA contribution will depend on your income; it will be taken when you file your taxes next year. This IRS link tells you about the deduction limit.

Finally, note that the 401k contribution limit is 18k for 2015. If permitted by the 401(k) plan, participants who are age 50 or over at the end of the calendar year can also make catchup contribution of $6,000 in 2015. You may hit this in 2015, depending on your birthday.

ETA: You can open an IRA on your own and contribute to it directly. Nothing to do with employer. Tax deduction, if you qualify, will be taken when you file.
ETA: You have until April 15, 2015, to make an IRA contribution for 2014. Make sure you let the IRA custodian know that it is a 2014 contribution. Most of them should have a box to check off to indicate it is a 2014 contribution.
If you income does not qualify you for a deduction on a trad. IRA contribution, it may make sense to make a Roth IRA contribution. 

rated:
Thanks FWUSER

My AGI is over the limit so making my IRA contributions would not benefit me via tax deduction (RATS!)

Just to confirm. The fact that I have a company 401K and my wife has the IMRF means we both have retirement accounts through our employers which puts us into the bracket AGI limitations above (IRS link you provided) right?

rated:
PRO710 said:   Thanks FWUSER

My AGI is over the limit so making my IRA contributions would not benefit me via tax deduction (RATS!)

Just to confirm. The fact that I have a company 401K and my wife has the IMRF means we both have retirement accounts through our employers which puts us into the bracket AGI limitations above (IRS link you provided) right?

  Correct, you will both be considered as covered by a retirement plan at work. Assuming you file MFJ, your AGI must be less than 98k to get a full deduction; deduction completely phased out if AGI over 118k.

rated:
I have a question on the best approach to invest in stocks with my retirement accounts.

Currently have some money in 401k from former employer that i was thinking of rolling over to a traditional IRA.
Right now i have a Roth IRA investing only in ETF at vanguard.
I was thinking of opening an account at trade king (since trade are only $4.95)

Should I roll my 401k to traditional ira at trade king or open a new ROTH (and contribute for 2014) at tradeking and buy stocks?

would rolling my 401k to traditional IRA effect my 2014 ROTH contribution limit?

rated:
Hc000 said:   would rolling my 401k to traditional IRA effect my 2014 ROTH contribution limit?
 

It is better to do a direct trustee-to-trustee transfer of your 401k funds into the trad. IRA instead of a rollover. In any case, it does not affect your 2014 Roth IRA contribution. You have until April 15 to make the 2014 IRA contribution.

rated:
PORTFOLIO advice Please.

I am contributing the max to my employer 401K account. I'm 49 YO and plan to work another 16 years to retire at 65.

My current portfolio breakdown % is as follows and funds are provided by Fidelity (I already know that I am WAY to heavy in my Company stock but this came from years of benefiting from the company match and I never moved it out)

Cash 0%
Bonds 2%
Large Cap Stocks 39%
Mid/Small 25%
International 4%
Company Stock 30%

I believe that they changed the law to allow me to move almost all of my company stock into another fund but not completely sure as to how much or what percentage. I'm also wondering if that is a smart move?

Opinions Advice as to mix and suggestions for change appreciated

rated:
PRO710 said:   PORTFOLIO advice Please.

I am contributing the max to my employer 401K account. I'm 49 YO and plan to work another 16 years to retire at 65.

My current portfolio breakdown % is as follows and funds are provided by Fidelity (I already know that I am WAY to heavy in my Company stock but this came from years of benefiting from the company match and I never moved it out)

Cash 0%
Bonds 2%
Large Cap Stocks 39%
Mid/Small 25%
International 4%
Company Stock 30%

I believe that they changed the law to allow me to move almost all of my company stock into another fund but not completely sure as to how much or what percentage. I'm also wondering if that is a smart move?

Opinions Advice as to mix and suggestions for change appreciated

  Can you post all of your options? Be sure to include the expense ratios as this is key. You don't own enough bonds given your retirement horizon (though this should have worked out great for you so far).

rated:
Here are my choices within the plan:

Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year/LOF* Returns As Of Bench- mark
AT&T US STOCK FUND
09/30/1994
Stock Investments Large Cap 10.76% 16.66% 14.83% 7.33% 01/31/2015 Show
Investments you currently own LG CAP US STCK INDEX
02/29/1988
Stock Investments Large Cap 14.27% 17.52% 15.67% 7.71% 01/31/2015 Show
Investments you currently own TOTAL US STOCK INDEX
11/30/2007
Stock Investments Large Cap 12.98% 17.46% 15.97% 6.30% 01/31/2015 Show
Investments you currently own SM & MID US STK INDX
01/31/2001
Stock Investments Mid-Cap 7.66% 17.14% 17.15% 9.52% 01/31/2015 Show
AT&T INTL STOCK FUND
10/31/1999
Stock Investments International 0.99% 7.82% 5.56% 4.05% 01/31/2015 Show
Investments you currently own INTL STOCK INDEX
11/30/2007
Stock Investments International 0.76% 6.81% 5.83% -1.15% 01/31/2015 Show
Investments you currently own AT&T SHARES FUND
02/29/1988
Stock Investments Specialty 4.12% 9.18% 11.15% 8.70% 01/31/2015 Show
AT&T ASSET ALOC 2005
11/01/2007
Blended Fund Investments* N/A 6.50% 6.60% 7.03% 3.61% 01/31/2015 Show
AT&T ASSET ALOC 2010
11/01/2007
Blended Fund Investments* N/A 7.08% 8.14% 8.38% 4.47% 01/31/2015 Show
AT&T ASSET ALOC 2015
11/01/2007
Blended Fund Investments* N/A 7.64% 8.58% 8.70% 4.37% 01/31/2015 Show
AT&T ASSET ALOC 2020
11/01/2007
Blended Fund Investments* N/A 7.80% 9.20% 9.39% 3.94% 01/31/2015 Show
AT&T ASSET ALOC 2025
11/01/2007
Blended Fund Investments* N/A 8.26% 10.50% 10.35% 4.33% 01/31/2015 Show
AT&T ASSET ALOC 2030
11/01/2007
Blended Fund Investments* N/A 8.63% 11.00% 10.74% 3.74% 01/31/2015 Show
AT&T ASSET ALOC 2035
11/01/2007
Blended Fund Investments* N/A 8.56% 11.96% 11.32% 4.00% 01/31/2015 Show
AT&T ASSET ALOC 2040
11/01/2007
Blended Fund Investments* N/A 8.59% 12.12% 11.41% 3.61% 01/31/2015 Show
AT&T ASSET ALOC 2045
11/01/2007
Blended Fund Investments* N/A 8.64% 12.41% 11.60% 3.70% 01/31/2015 Show
AT&T ASSET ALOC 2050
11/01/2007
Blended Fund Investments* N/A 8.52% 12.46% 11.66% 3.66% 01/31/2015 Show
AT&T ASSET ALOC 2055
02/01/2012
Blended Fund Investments* N/A 8.53% 12.41% N/A 12.41% 01/31/2015 Show
AT&T ASSET ALOC RET
11/01/2007
Blended Fund Investments* N/A 5.32% 5.01% 5.41% 3.07% 01/31/2015 Show
AT&T STABLE VALUE
11/30/1999
Bond/Managed Income Stable Value 2.40% 2.65% 2.96% 3.75% 01/31/2015 Show
Investments you currently own AT&T TOT RETURN BOND
10/31/1999
Bond/Managed Income Income 7.39% 4.78% 5.85% 6.13% 01/31/2015 Show

rated:
Here are the respective fees for each fund Medikit:

Average Annual Total Returns - selected Cumulative Total Returns selected Daily Quotes selected Fees selected Restrictions selected
Name/Inception Date Asset Class Category Gross Expense Ratio** Shareholder Fees
AT&T US STOCK FUND
09/30/1994
Stock Investments Large Cap 0.23% No additional fees apply.
Investments you currently own LG CAP US STCK INDEX
02/29/1988
Stock Investments Large Cap 0.01% No additional fees apply.
Investments you currently own TOTAL US STOCK INDEX
11/30/2007
Stock Investments Large Cap 0.01% No additional fees apply.
Investments you currently own SM & MID US STK INDX
01/31/2001
Stock Investments Mid-Cap 0.02% No additional fees apply.
AT&T INTL STOCK FUND
10/31/1999
Stock Investments International 0.39% Short term trading fees of 1.5% for fee eligible shares held less than 30 days.
Investments you currently own INTL STOCK INDEX
11/30/2007
Stock Investments International 0.02% Short term trading fees of 1.5% for fee eligible shares held less than 30 days.
Investments you currently own AT&T SHARES FUND
02/29/1988
Stock Investments Specialty 0.01% No additional fees apply.
AT&T ASSET ALOC 2005
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2010
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2015
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2020
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2025
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2030
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2035
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2040
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2045
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2050
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2055
02/01/2012
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC RET
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T STABLE VALUE
11/30/1999
Bond/Managed Income Stable Value 0.39% No additional fees apply.
Investments you currently own AT&T TOT RETURN BOND
10/31/1999
Bond/Managed Income Income 0.45% No additional fees apply.

rated:
Can somebody help me give some information regarding these?

If I didnt invest in 401k in the previous year(or only invested 5000 or so) can I invest more this year, like for example if 17000 is the limit,can i invest 17000(for this year)+17000( for last year)?

If my wife is a homemaker how can i invest on her for retirement, only IRA or 401k(is it possible)?

rated:
cganti said:   Can somebody help me give some information regarding these?

If I didnt invest in 401k in the previous year(or only invested 5000 or so) can I invest more this year, like for example if 17000 is the limit,can i invest 17000(for this year)+17000( for last year)?

If my wife is a homemaker how can i invest on her for retirement, only IRA or 401k(is it possible)?

  No, you cannot makeup for non/under-contribution in a previous year. Note that the 401k limit is 18k for 2015 (under age 50).
Your wife can contribute to an IRA as long as you have earned income and you file MFJ.
No 401k contribution possible for homemaker wife.

rated:
PRO710 said:   Here are the respective fees for each fund Medikit:

Average Annual Total Returns - selected Cumulative Total Returns selected Daily Quotes selected Fees selected Restrictions selected
Name/Inception Date Asset Class Category Gross Expense Ratio** Shareholder Fees
AT&T US STOCK FUND
09/30/1994
Stock Investments Large Cap 0.23% No additional fees apply.
Investments you currently own LG CAP US STCK INDEX
02/29/1988
Stock Investments Large Cap 0.01% No additional fees apply.
Investments you currently own TOTAL US STOCK INDEX
11/30/2007
Stock Investments Large Cap 0.01% No additional fees apply.
Investments you currently own SM & MID US STK INDX
01/31/2001
Stock Investments Mid-Cap 0.02% No additional fees apply.
AT&T INTL STOCK FUND
10/31/1999
Stock Investments International 0.39% Short term trading fees of 1.5% for fee eligible shares held less than 30 days.
Investments you currently own INTL STOCK INDEX
11/30/2007
Stock Investments International 0.02% Short term trading fees of 1.5% for fee eligible shares held less than 30 days.
Investments you currently own AT&T SHARES FUND
02/29/1988
Stock Investments Specialty 0.01% No additional fees apply.
AT&T ASSET ALOC 2005
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2010
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2015
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2020
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2025
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2030
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2035
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2040
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2045
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2050
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC 2055
02/01/2012
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T ASSET ALOC RET
11/01/2007
Blended Fund Investments* N/A 0.24% No additional fees apply.
AT&T STABLE VALUE
11/30/1999
Bond/Managed Income Stable Value 0.39% No additional fees apply.
Investments you currently own AT&T TOT RETURN BOND
10/31/1999
Bond/Managed Income Income 0.45% No additional fees apply.

  
So the info that is needed is the typically 5 letter mutual fund abbreviation and expense ratios. My advice would be to either choose a Target fund for 2030 or 2035 or do a fixed allocation: 30% bonds, 50% total US stock market, and 20% international stocks- if you do this you will want to re-balance every year. It looks like your only real bond choice is the Total Return Bond (Guessing this is PIMCO total return). Within 10 years of retirement I would switch to 40% bonds, 45 % US stocks and 15% international stocks

rated:
Thanks fwuser12, so for IRA account for my wife can we go back for previous missed years or no?

rated:
fwuser12 said:   
cganti said:   Can somebody help me give some information regarding these?

If I didnt invest in 401k in the previous year(or only invested 5000 or so) can I invest more this year, like for example if 17000 is the limit,can i invest 17000(for this year)+17000( for last year)?

If my wife is a homemaker how can i invest on her for retirement, only IRA or 401k(is it possible)?

  No, you cannot makeup for non/under-contribution in a previous year. Note that the 401k limit is 18k for 2015 (under age 50).
Your wife can contribute to an IRA as long as you have earned income and you file MFJ.
No 401k contribution possible for homemaker wife.

  Can My wife contribute for the missed IRA contributions , btw she is a canadian living as dependent of me, does anybody know if dependents are allowed to open IRA account?

rated:
cganti said:   Thanks fwuser12, so for IRA account for my wife can we go back for previous missed years or no?
  No you cannot go back; i.e., contribute after the deadline.
Note that the IRA contribution deadline is nominally April 15 of the following year; i.e, you can still make a 2014 contribution (by April 15, 2015).

rated:
Quick question, trying to decide if I should rollover my 401k to my new employer's 401k or to a traditional IRA.

I have about $20k in my old employer 401k which has expensive and poor investment options.  I want to roll this over to either my new company's 401k, which has good, cheapish (~0.35%) options or to a traditional IRA.

If I am happy with my new 401k options, is there any reason I should be considering the IRA move?  It seems like I might have more investment options (in terms of variety) but that seems about it.  The main negative that I see is that should I choose to do a backdoor Roth IRA in the future (which I did in 2013, didn't make enough in 2014 so was able to do direct to Roth contribution) than the $20k in the new IRA would factor in to the conversion and I would be subject to taxes.

Am I looking at this correctly?  What am I missing?  If it matters, I am 32. Thanks!

rated:
scotto777 said:   Quick question, trying to decide if I should rollover my 401k to my new employer's 401k or to a traditional IRA.

I have about $20k in my old employer 401k which has expensive and poor investment options.  I want to roll this over to either my new company's 401k, which has good, cheapish (~0.35%) options or to a traditional IRA.

If I am happy with my new 401k options, is there any reason I should be considering the IRA move?  It seems like I might have more investment options (in terms of variety) but that seems about it.  The main negative that I see is that should I choose to do a backdoor Roth IRA in the future (which I did in 2013, didn't make enough in 2014 so was able to do direct to Roth contribution) than the $20k in the new IRA would factor in to the conversion and I would be subject to taxes.

Am I looking at this correctly?  What am I missing?  If it matters, I am 32. Thanks!

  If you plan to do backdoor Roth, it certainly helps to transfer the funds to your new 401k (assuming the new plan accepts it).
Depending on the type of fund, 0.35% ER isnt bad but you maybe able to do better if you go the trad. IRA route.

rated:
I am hoping to get some help with my IRA conversion situation.  In past few years, I've been contributing to traditional IRA since my company didn't have 401k. However, for the year 2012, we found that we weren't eligible for ira when we were doing our taxes early in 2013 due to our income and the fact that my wife has 401k. So, I re-characterized the deductible IRA to non-deductible IRA (a mistake, should have just withdrawn the money). As a result, of all my traditional IRA balance, some are deductible and some are non-deductible. Later in 2013, I quit my job and went back to graduate school. I am graduating in May this year and since we would not be eligible for Roth once I graduate and start with new employer, I did the Roth conversion in 2014, hoping that I could do backdoor Roth later.

I am doing my taxes right now and realized that I need to pay a lot of taxes partly because of the conversion. I understand that I can reverse the conversion and also I just learned that my new employer offers 401k and would allow traditional IRA be rolled into 401k. My question is that if I can roll the deductible IRA into my 401k and then convert the non-deductible IRA to Roth . 

Essentially, I am trying to minimize the tax as well as trying to set up so that I can do backdoor Roth next year . I wonder if you all have any suggestions in terms of what I should do.

thanks in advance!

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