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Please help me organize my investments and finances! (401k Rollover!)

Need help deciding what to do with my investment finances, including rolling over my prior Co. 401k rollover. I hold 2 401ks, 1 Roth IRA and I'm planning maybe on an index Fund. Details inside! [more inside]
posted by PetiePal on Mar 18, 2014 - 8 answers

How should I make a large (to me) fund purchase for my IRA?

I have about US$20000 to invest in a total stock index fund in my Roth IRA. What is the best strategy for this purchase? Should I just purchase it all at once now or over some set schedule? [more inside]
posted by sevenless on Mar 5, 2014 - 7 answers

Wanted: Savvy retirement advice for a struggling youth

If I live until retirement age, I don't want to be broke. I am 24 and I want to start saving for retirement now, but I’m unsure how to go about it. I’ve heard good things about Vanguard, but I’m looking for some personal anecdotes and solid advice on how to go about this. [more inside]
posted by Driven on Dec 2, 2013 - 17 answers

Do I really need both stocks AND bonds in my long-term investments?

I am planning to invest for retirement (35+ years away) in a Roth IRA. I've always been told to have a mix of stocks and bonds in any portfolio, starting at about a 90/10 split for someone my age. Considering that I'm not going to touch this money for a very long time, wouldn't I be better off just putting my money into some low expense ratio index funds and skipping the bonds altogether? This seems to fly in the face of every investment advice I've ever seen, but I don't understand why. [more inside]
posted by wondercow on Nov 23, 2013 - 19 answers

What's my maximum allowed contribution to both a Roth and a regular 401k

I have a Roth 401k from a previous employer that I've contributed to this year. I'm starting a new job where they only offer a traditional 401k. Now what? [more inside]
posted by suncoursing on Jul 31, 2013 - 2 answers

Help me understand the traditional IRA

Currently I max out my Roth IRA, and I have a 401(k) with a small employer match. I contribute enough to be able to take advantage of the maximum match they offer. However, I still have money leftover I would like to invest. [more inside]
posted by nanook on May 9, 2013 - 9 answers

Investing while in the US on a fixed term contract

I know I should be talking to an financial planner/adviser about this, and I will do, but... I am British. I'm going to be living and working in the U.S. for somewhere between one and three years. I will probably return to the UK afterwards, but there is a chance I will stay in the U.S. forever. I would rate that chance at about 50/50. I would like to save a fraction of my income while in the U.S., and I would like those savings to grow. I would like to retain at least the possibility of suddenly withdrawing them if and when I leave the U.S. I understand there will be fees and taxes involved in such a withdrawal, but I would of course like to minimize them. And I would like to balance this possibility against the possibility that I will be staying forever, and should make a start on saving for retirement. [more inside]
posted by caek on Mar 25, 2013 - 4 answers

401k/Roth undisclosed "Forfeiture Fee" halves retirement rollover. Help!

I recently rolled over my old 401K and Roth accounts through an old employer and held by ADP. Throughout the process, I was told the only fee would be the $50 "account transfer fee". But when the checks arrived half of my money was missing! [more inside]
posted by iheijoushin on Mar 11, 2013 - 8 answers

Tell me about your awesome Roth IRA.

I have a chunk of money just sitting in an account that doesn't even earn interest. I'd like to park it into an IRA, but would like to avoid spending many hours researching them. I'd love to just pick a place, transfer the money over, and be done with it. What bank/financial institution currently offers the lowest fees for the best results? Do you have one that you adore, and offers a good deal? [more inside]
posted by chowflap on Jan 28, 2013 - 18 answers

Want to contribute the $5000 max for my Roth IRA, but not enough earned income?

I have $5000 in my savings account, I already contributed the $2000 I earned this year. I want to contribute $3000 more from my savings at the end of this year but I am not sure if that is even allowed, since I didn't "earn" it. But then, how would the IRA or my roth IRA holder even know? I didn't even make enough income to require filing for taxes.
posted by kopi on Nov 7, 2012 - 9 answers

Early retirement account withdrawal

Need to pay off upcoming credit card bill. Can I use any of my retirement accounts to pay them off without incurring any fees? [more inside]
posted by AngryTypingGuy on Jun 11, 2012 - 5 answers

Is it a good idea to invest using a Roth IRA on the exemption borderline?

I have a lot of questions about Roth IRAs and being on the exemption borderline. [more inside]
posted by Talez on Feb 12, 2012 - 15 answers

Roth as Emergency Fund?

What is the viability of using Roth as an Emergency Fund? [more inside]
posted by medarby on Jan 30, 2012 - 8 answers

Can I convert a brokerage account into an IRA and claim the tax benefit?

Can I convert my regular brokerage account into a (non-Roth) IRA and claim the tax benefit? [more inside]
posted by jefficator on Dec 16, 2011 - 4 answers

Roth IRA conversion from 401(k)?

Should I roll over my 401(k) and then convert it immediately to a Roth IRA? [more inside]
posted by anonymous on Jul 11, 2011 - 6 answers

Please Just Take My Money And Don't Make Me Decide

I put money in an ETrade Roth IRA account. Now it's there. What is the next logical step? [more inside]
posted by amicamentis on May 14, 2011 - 11 answers

BURY MY MONEY IN A GREAT BIG HOLE

Which bank is more likely to collapse first: WELLS FARGO or USAA FEDERAL SAVINGS BANK ? [more inside]
posted by shipbreaker on Jun 8, 2010 - 14 answers

Max out my Roth IRA or diversify first?

Should I max out the contribution to my Roth IRA before beginning to diversify? [more inside]
posted by bengalsfan1 on May 31, 2010 - 14 answers

Die, Roth IRA, die

Get loans or cash out my Roth IRA? [more inside]
posted by sdis on Apr 7, 2010 - 5 answers

Employer funded 403b vs Roth IRA

I’m confused about whether to put money into my employer funded 403b or a Roth IRA. [more inside]
posted by anonymous on Apr 2, 2010 - 11 answers

Roth IRA but will not be working anymore??

Can I keep my Roth IRA if I'm not working anymore? [more inside]
posted by lynnie-the-pooh on Feb 7, 2010 - 5 answers

Show Me The Money!

You are not my CPA but I need advice! I make too much money to contribute to a Roth IRA but I hear the rules are changing. How can I take advantage of this in 2010? [more inside]
posted by anonymous on Dec 28, 2009 - 3 answers

Which is that book? Does it exist?

[H.Bloomfilter]: A friend's friend told him about a book of Harold Bloom on Don DeLillo, Philip Roth, Thomas Pynchon, and Cormac McCarthy and said friend wants it. His friend can't remember the title. Does it exist and what's its name? [more inside]
posted by ersatz on Oct 1, 2009 - 9 answers

To Roth or not to Roth?

Should I convert my Traditional IRA to Roth IRA now or ever? [more inside]
posted by gnash on Feb 9, 2009 - 10 answers

Learning to protect my retirement fund.

Like many people, my retirement fund took a hit when the market crashed. My question is--who should I have been reading before this happened? Who was the consistent voice of sanity telling everyone, "Hey, stick your retirement in something safe RIGHT NOW." [more inside]
posted by mecran01 on Dec 22, 2008 - 32 answers

How should I invest for retirement?

I am trying to figure out how to invest money for retirement and otherwise. I am in my late 20s, earn $55,000 annually, have no debt, and about $90,000 in savings. I am currently putting 5% of my salary into a 403(b) which is the maximum amount my employer will match. [more inside]
posted by anonymous on Dec 2, 2008 - 11 answers

Please help me decide between Fidelity and Vanguard.

Questions about opening a Roth IRA -- particularly, does it matter where I open it? If so, Fidelity vs. Vanguard? [more inside]
posted by salvia on Apr 6, 2008 - 13 answers

Roth IRA contributions?

Can I contribute to my Roth-IRA from my savings account if I don't earn an income? [more inside]
posted by ruwan on Mar 19, 2008 - 7 answers

How can I contribute to my IRAs as soon as possible?

How can I contribute to my IRAs as soon as possible? [more inside]
posted by Flunkie on Mar 5, 2008 - 12 answers

Tax Hell

I forgot to claim a $4,000 contribution to a Roth IRA account during the 2006 tax season. How do I go about claiming this in the 2007 tax season? (more inside) [more inside]
posted by mand0 on Feb 21, 2008 - 11 answers

Can I withdraw money for a first-time home purchase with my accounts?

You can use your Roth IRA for your first time home purchase (up to 10k). However, you must have the account open for 5 years. How is account defined? [more inside]
posted by InvestorMD on Dec 20, 2007 - 5 answers

Using 401K & Roth IRA to purchase second property

Using 401K & Roth IRA to purchase second property ?? Is this possible ?? Any suggestions. Thanks, ek
posted by endlessknot on Nov 18, 2007 - 13 answers

PATRIOT Act + Roth IRA?

What provisions of the PATRIOT Act govern the opening of my Roth IRA? [more inside]
posted by comwiz on Jun 7, 2007 - 4 answers

Does it make sense to (and what are the tax implications) of converting IRA funds into a Roth IRA account?

Does it make sense to (and what are the tax implications) of converting IRA funds into a Roth IRA account? [more inside]
posted by mintchip on Jan 25, 2007 - 12 answers

Which IRA/broker/funds to get when facing retirement in 20 years?

A friend in her mid-40s is, for various reasons, only now getting a belated start on planning for retirement. Help me point her in the right direction! [more inside]
posted by fizzyliftingdrink on Nov 3, 2006 - 13 answers

Beginning investor, seeking basic opinions and links for more research & self-teaching!

Total beginner to investing and finance, researching how to start investing maybe $2K each year, mostly in socially responsible mutual funds -- and how a young, healthy person should balance retirement investment with other kinds of investments. [more inside]
posted by anonymous on Oct 27, 2006 - 10 answers

Roth IRA Niceties

Are there tax consequences from buying and selling stock within a Roth IRA? [more inside]
posted by bink on Oct 14, 2006 - 2 answers

It was all going so well...

I'm confused - I want to plan for my retirement and have got as far as applications for a 401k and a Roth IRA; but then it all goes hideously wrong.... [more inside]
posted by forallmankind on Aug 13, 2006 - 19 answers

Roth IRA: I contributed too much. Now what?

Tax Attorney Filter: I contributed too much to my Roth IRA 3 years in a row. Should I be worried? [more inside]
posted by sdis on Feb 24, 2006 - 6 answers

How do I choose a bank for my IRA?

I want to open a Roth IRA account. How do I choose the bank? [more inside]
posted by scazza on Jun 22, 2005 - 16 answers

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