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Started By
Message
Opening a Roth IRA w/ Vanguard Need advice
Posted on 2/8/15 at 3:28 pm
Posted on 2/8/15 at 3:28 pm
Looking at two different mutual funds to start up with. Wellington - VWELX or VTSMX - total stock market index ....both have a good long term history and good growth over time. I'm leaning towards VTSMX. Would you reccommend these or one over another ?
I have a 401 with a company match of 4% but I have extra income and looking to start investing. I'm 26, so I have time to take on more risk now.
I have a 401 with a company match of 4% but I have extra income and looking to start investing. I'm 26, so I have time to take on more risk now.
This post was edited on 2/8/15 at 3:42 pm
5
Posted on 2/8/15 at 3:52 pm to ItsThatDude12
Everyone is going to ask if you have an Emergency Fund.
So do you?
After that, I don't know why any one at 26 years old would go mostly bonds. At least, that's the prevailing wisdom.
So do you?
After that, I don't know why any one at 26 years old would go mostly bonds. At least, that's the prevailing wisdom.
This post was edited on 2/8/15 at 3:54 pm
Posted on 2/8/15 at 4:11 pm to Teddy Ruxpin
I've got enough to cover 6-8 months of bills in savings so I guess so.
This post was edited on 2/8/15 at 4:13 pm
Posted on 2/8/15 at 4:29 pm to ItsThatDude12
Wellington-(VWELX) is an excellent fund, but as the other poster alluded to, the portfolio is comprised of roughly 35% bonds and 65% stocks.
VTSMX is nearly 100% comprised of stocks and would probably be a better option for someone with your time horizon.
VTSMX is nearly 100% comprised of stocks and would probably be a better option for someone with your time horizon.
Posted on 2/8/15 at 4:34 pm to ItsThatDude12
Dump it in VFFVX. It's about 90/10 and part of that is inclusive of VTSMX. It will auto-adjust the percentages to increase the bond holdings as you age.
Posted on 2/8/15 at 4:56 pm to ItsThatDude12
Vtsmx
Or vttsx
Or vttsx
Posted on 2/8/15 at 4:58 pm to ItsThatDude12
VTSMX is what I gathered from the many other threads on here
Posted on 2/8/15 at 7:54 pm to TigerTatorTots
Are there lower fees if you invest in VTSMX through a Vanguard IRA rather than another brokerage? In other words, is it worth me opening an IRA just to purchase VTSMX rather than doing so through TDA as I normally would?
Posted on 2/9/15 at 7:59 am to Jwodie
Another opening a roth IRA question...
If I plan on opening a roth IRA for 2014, should I throw $5500 into it this week? Or spread out the contributions to every other week or so for the next month and a half?
Thanks
If I plan on opening a roth IRA for 2014, should I throw $5500 into it this week? Or spread out the contributions to every other week or so for the next month and a half?
Thanks
Posted on 2/9/15 at 8:36 am to phison
I just put the entire $5500 in for 2014 a few weeks ago. I guess it really doesn't matter. If you have the money,then just put it all in at once.
Posted on 2/9/15 at 10:25 am to phison
Throw the entire $5500 into the Roth to get it funded/loaded. You can then spread out the contributions as liberally as you wish.
Posted on 2/10/15 at 10:39 am to Jwodie
Is it cheaper to invest directly with Vanguard or go through fidelity, scottrade, ameritrade, etc?
This post was edited on 2/10/15 at 11:00 am
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