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What do you typically buy with your Roth IRA?
Posted on 1/5/12 at 7:46 am
Posted on 1/5/12 at 7:46 am
I try to max my Roth IRA every year ($5,000/year). Last year I bought $2,500 of XOM stock and $2,500 of BP stock. Year before, I purchased different Mutual Funds. What is the best thing to purchase with the $5,000 of Roth IRA?
3
Posted on 1/5/12 at 7:48 am to joeygalloway9
I'd be careful of sticking all your retirement into one sector.
Posted on 1/5/12 at 9:08 am to joeygalloway9
I would like to know as well.
Posted on 1/5/12 at 9:16 am to wegotdatwood
Right now I have it all in a fixed income type Vanguard fund until I start to build up enough cash.
Posted on 1/5/12 at 9:29 am to joeygalloway9
I do not invest in individual stocks simply because I don't believe that individual investors know enough to do better than the market overall. So index funds are the way to go.
That said - since a Roth shelters your capital gains from the tax man, I put my more volatile funds in the Roth. The idea is that these are the ones that are more likely to make big moves, so I want them in an account where big moves aren't taxed.
So I put my emerging market funds and commodity index funds here.
That said - since a Roth shelters your capital gains from the tax man, I put my more volatile funds in the Roth. The idea is that these are the ones that are more likely to make big moves, so I want them in an account where big moves aren't taxed.
So I put my emerging market funds and commodity index funds here.
Posted on 1/5/12 at 10:55 am to foshizzle
I'm all about matching principle for my long term savings.
The majority of my expenses will be tied heavily to commodities when I retire, specifically energy. I believe that MPT completely ignores the matching principle and is therefore not a good fit for most people's retirement accounts.
Heavy on the GSCI index fund, and integrated oil and gas, light on technology. As I get older, I'll probably start going more heavily into medical stocks, I just don't think they are a buy right now and I'm not sure how effective of a hedge they would be as of right now.
I plan to invest ~50% in index (bond and equity) funds and appropriate the rest on my own.
The majority of my expenses will be tied heavily to commodities when I retire, specifically energy. I believe that MPT completely ignores the matching principle and is therefore not a good fit for most people's retirement accounts.
Heavy on the GSCI index fund, and integrated oil and gas, light on technology. As I get older, I'll probably start going more heavily into medical stocks, I just don't think they are a buy right now and I'm not sure how effective of a hedge they would be as of right now.
I plan to invest ~50% in index (bond and equity) funds and appropriate the rest on my own.
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