@All @bonesly @beensabu @ruralavalon
Your answers lead me step closer to an actionable investment plan. I really appreciate and thank you all for that.
Now,
1. I want to do an 80/20 AA with 70/30 US/INT stock mix
2. I want to have separate portfolios for me and my wife coz I think we might want to adjust our AA over different time periods coz I am 41 and she is 37.
please comment on what you all think about this. Do you recommend a combined portfolio for both of us?
The fund choice I am going to keep the same between mine and wife’s but AA adjustment, we plan to do at different timeframe since she is 4 years younger than I am.
3. I want to do ETF funds for now even though I don’t trade often and am more leaning towards passive investing style. Also, I see there is no minimum investment requirement for VG ETFs so that will be a plus.
4. I want to max out our Roth IRA contributions for both of us.(14K)
5. We don’t have workplace 401K
6. I did not have a traditional IRA because I don’t know will I be in a lower/higher tax bracket when I withdraw ( I ask your opinion here as well )
7. I do believe I might have some money that I would like to invest after maxing out our Roth IRA.
8. So, where do I put those extra dollars?
9.
My fund choices are:
VTI Vanguard Total Stock Market ETF
VXUS Vanguard Total International Stock ETF
BND Vanguard Total Bond Market ETF
10.
How do I distribute these funds between my accounts? So far I only have mentioned I have a Roth IRA and I don’t know what other options remain where I can invest the remaining money?
11.
Should I choose/opt for additional/slightly different funds based on what you all are going to recommend where to put my extra dollars after maxing out our Roth IRA’s?
Thanks a lot for your advise!!
Your answers lead me step closer to an actionable investment plan. I really appreciate and thank you all for that.
Now,
1. I want to do an 80/20 AA with 70/30 US/INT stock mix
2. I want to have separate portfolios for me and my wife coz I think we might want to adjust our AA over different time periods coz I am 41 and she is 37.
please comment on what you all think about this. Do you recommend a combined portfolio for both of us?
The fund choice I am going to keep the same between mine and wife’s but AA adjustment, we plan to do at different timeframe since she is 4 years younger than I am.
3. I want to do ETF funds for now even though I don’t trade often and am more leaning towards passive investing style. Also, I see there is no minimum investment requirement for VG ETFs so that will be a plus.
4. I want to max out our Roth IRA contributions for both of us.(14K)
5. We don’t have workplace 401K
6. I did not have a traditional IRA because I don’t know will I be in a lower/higher tax bracket when I withdraw ( I ask your opinion here as well )
7. I do believe I might have some money that I would like to invest after maxing out our Roth IRA.
8. So, where do I put those extra dollars?
9.
My fund choices are:
VTI Vanguard Total Stock Market ETF
VXUS Vanguard Total International Stock ETF
BND Vanguard Total Bond Market ETF
10.
How do I distribute these funds between my accounts? So far I only have mentioned I have a Roth IRA and I don’t know what other options remain where I can invest the remaining money?
11.
Should I choose/opt for additional/slightly different funds based on what you all are going to recommend where to put my extra dollars after maxing out our Roth IRA’s?
Thanks a lot for your advise!!
Statistics: Posted by rich1day — Sun Mar 31, 2024 2:07 pm — Replies 25 — Views 1819