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re: Vanguard Roth IRA- STAR or Target Retirement
Posted on 11/5/13 at 2:50 pm to PlanoPrivateer
Posted on 11/5/13 at 2:50 pm to PlanoPrivateer
quote:
agree with JimBeam. I am assumming you are fairly young. If so you don't need much, if any, money in bonds.
Once you pick you fund just send them money on a regular basis. Vanguard will add it to your fund. As you gain experience you may want to be more active and pick some other funds.
Thanks for the advice. It looks like I would just have to through a bit more extreme ups and downs with a target retirement fund if the market fluctuates, but I am not planning to invest a whole lot. This is something to supplement my retirement and just get me better returns than an online savings account
1
Posted on 11/5/13 at 3:06 pm to YankeeDoodle
What is the point of this?
Retirement Supplement/Emergency Fund?
If you need it, it's there, if you don't, Miller Time at 59.5?
Then yeah, STAR is an excellent choice of balancing return with volatility.
Remember though that you can only really take out what you put in with no penalty (which is a benefit in my case....I can take out earnings from the emergency fund segment tax free thanks to contributions to the retirement side) so its to your advantage to put a fair amount in.
Also, you are allowed to take out 10k of earnings tax and penalty free for the purchase of your first house.
Retirement Supplement/Emergency Fund?
If you need it, it's there, if you don't, Miller Time at 59.5?
Then yeah, STAR is an excellent choice of balancing return with volatility.
Remember though that you can only really take out what you put in with no penalty (which is a benefit in my case....I can take out earnings from the emergency fund segment tax free thanks to contributions to the retirement side) so its to your advantage to put a fair amount in.
Also, you are allowed to take out 10k of earnings tax and penalty free for the purchase of your first house.
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