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2015 Roth Contributions
Posted on 1/2/15 at 8:28 am
Posted on 1/2/15 at 8:28 am
should I just dump the whole $5500 in one day or spread it over a few months leading up to tax day?
this is my current funds, anyone i should favor or abandon?
this is my current funds, anyone i should favor or abandon?
7
Posted on 1/2/15 at 9:01 am to CE Tiger
quote:
should I just dump the whole $5500 in one day or spread it over a few months leading up to tax day?
It doesn't matter. I used to have an automatic payroll deduction each pay period to fund my Roth but now I just do it all at one time, it's just easier.
I don't know much about any of these funds, basically you should look for as low an expense ratio as you can.
Posted on 1/2/15 at 11:52 am to CE Tiger
There are a lot of people that like to dollar cost average but I usually just put the entire amount in at once. It's always fun to watch the bank account drop 11K in January. 
Posted on 1/2/15 at 12:19 pm to CE Tiger
Just put 5,500 in ConocoPhillips stock with dividends reinvested
Posted on 1/2/15 at 1:33 pm to NewIberiaHaircut
quote:
It's always fun to watch the bank account drop 11K in January.
well that was no fun. hopefully tax time can bump it up a few grand
Posted on 1/2/15 at 3:07 pm to CE Tiger
If you think the market will go up throughout 2015, put all in at once. If you think the market will go down throughout 2015, spread it out to dollar cost average the lower prices.
Posted on 1/2/15 at 3:08 pm to CE Tiger
I try to pay a year's contributions up front if I can. However, I am DCA $250 twice a month into my Roth for 2015 until it's maxed. Either that, or I will pay off the remaining balance when I get a little more money in my pocket.
Posted on 1/3/15 at 5:13 pm to CE Tiger
You can put the whole amount into your account in one day if you'd like to not mess with that monthly.
As far as investing in particular funds, I'd always DCA. You can set up automatic buys with most brokerages from your money market account.
As far as investing in particular funds, I'd always DCA. You can set up automatic buys with most brokerages from your money market account.
Posted on 1/3/15 at 5:20 pm to TigerDeBaiter
You can put it all in a money market at once then DCA from there. I love TRBCX (although volatile) and PRHSX.
Posted on 1/3/15 at 5:48 pm to Janky
I do it all at once the first week of January. I don't spend too much time on investments and it's just easier for me to have that 1 week per year where I take care of everything.
Posted on 1/4/15 at 9:57 am to Azazello
What are income limits for 2015?
Posted on 1/4/15 at 11:03 am to nelatf
In 2015, the AGI phase-out range for taxpayers making contributions to a Roth IRA is $183,000 to $193,000 for married couples filing jointly, up from $181,000 to $191,000 in 2014. For singles and heads of household, the income phase-out range is $116,000 to $131,000, up from $114,000 to $129,000.
Posted on 1/4/15 at 7:41 pm to NewIberiaHaircut
quote:
For singles and heads of household, the income phase-out range is $116,000 to $131,000, up from $114,000 to $129,000.
Can you explain what this means? I thought I knew everything I needed to know about IRAs but I'm obviously missing this crucial piece of information.
Posted on 1/4/15 at 7:49 pm to Powerman
If you make less than 116k, you can contribute the entire 5500 amount. Any higher salary and the contribution is lower. Salary above 131k and you can't contribute to roth
Posted on 1/4/15 at 9:57 pm to jimbeam
Is this gross or taxable income? Wife doesn't work but we file jointly and will be above the single but below the joint file. How does that apply to me?
Posted on 1/4/15 at 10:31 pm to CE Tiger
How do I go about starting my own Roth or transfering an existing account. I've been having one a few years now with Edward Jones. I really like my guy and like that I can go to him when I have questions, if I ever need.. but there's no need for me to be giving away money that I could be investing.
Do I start my own and just leave my account with him as it is, without making anymore contributions?!
Do I start my own and just leave my account with him as it is, without making anymore contributions?!
Posted on 1/5/15 at 10:49 am to NewIberiaHaircut
quote:
It's always fun to watch the bank account drop 11K in January.
Best decision I've made in the last year was dragging arse on funding my IRA.
I'm funding mine for 2014/2015 @ $11,000 this week. Although I may trickle in a few different funds over the next couple of months. I'm O&G heavy and I don't think it's going to be on the upswing for a few months if not the end of the year.
That said, it seems like it's a good time to buy in O&G and hold.
This post was edited on 1/5/15 at 10:56 am
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