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re: Retirement Review -- Am I on Track?
Posted on 5/25/17 at 12:26 pm to baldona
Posted on 5/25/17 at 12:26 pm to baldona
Should I invest less in retirement and move it to a mutual fund not in a retirement account?
Also, do you think it's better to lower the traditional 401k investment and divide it between traditional 401k and Roth 401k? Should it be an even split between traditional 401k and Roth IRA/Roth 401k?
Also, do you think it's better to lower the traditional 401k investment and divide it between traditional 401k and Roth 401k? Should it be an even split between traditional 401k and Roth IRA/Roth 401k?
2
Posted on 5/25/17 at 12:44 pm to BabyCakes
I think you are over thinking it. No, just invest your money. Any principle you put into a Roth IRA you can take out at any time, so max those out and you have access to that $5500 anytime.
You make enough, that if you ever needed less in retirement you can simply stop contributing so much and have some cash.
You make enough, that if you ever needed less in retirement you can simply stop contributing so much and have some cash.
Posted on 5/25/17 at 12:46 pm to BabyCakes
quote:
Also, do you think it's better to lower the traditional 401k investment and divide it between traditional 401k and Roth 401k? Should it be an even split between traditional 401k and Roth IRA/Roth 401k?
With the numbers you have provided you should be doing Roth. You are going to be ultra rich in retirement and odds are you will be in a much higher tax bracket. Seems you be better off paying most of the taxes now instead of when you retire to the top 1%.
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