I am 25 and am barely going to start my Roth IRA. I wanted it to be something simple that I can just automatically deposit on.
Is a 70/30 split of VTI and VXUS a good one? I know there are more but figure these two are pretty solid.
I don’t have much experience with investing at all!
pocket watching aside I want to see someone’s ROTH start and finish. I’m 21 had my ROTH for a year or so and it would be cool to see the growth or potential progress… just curious 😂!
Already max 401k,HSA. Never considered IRA until recently.Money sitting in HYSA
I am going to be contributing $100 or more every month or so. After doing research I’ve come down to primarily VOO and VXUS, like an 80/20. Could I be doing this better?
hello ! I am lucky enough to have maxed out this years Roth IRA limit already. I am curious though on how I should manage next years ROTH IRA. I don’t have access to a 401k or a HSA but I would like to put my money to work now. should I put next years funds into a taxable brokage account or just a high yield savings account ? thank you !
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I’m not sure if this is the place to do it, and moderators can remove this post if they’d like! I’ve really enjoyed everyone’s advice on this.
I’m 21, and have been investing since I was 18. Opened my Roth that year. Here is what my Roth looks like right now (I have a brokerage but it’s more for playing around).
I just graduated and started rolling over my 529 contributions into my IRA. Got my first 7500 deposit today 👏. Just wanted to gauge everyone’s opinion on the current state of my Roth IRA portfolio, and if there’s any additional stocks you’d recommend. Not sure how my weighting looks to y’all… but any advice is lovely!!
So is this plan crazy or might it work? I have had the plan of being very risky when I'm young for my Roth IRA and this sounds like that.
At the time of retirement, if you had the same amount in a Roth and traditional Ira, how much money do you “save” when withdrawing from the Roth?
Hey Guys, I’m trying to understand exactly how the Roth IRA income limit works. We did not exceed the income limit in 2025. We will in 2026. Before figuring that out I put $675 into a Roth. Should I pull my contribution out? If so, can I still put that into a traditional ira and start funding the traditional ira and convert it once I hit the max?
Trying to target aggressive growth but wondering if I’d just have better luck with a traditional Roth IRA
I’m 62 retired with nest egg approaching $2M. Also doing the ROTH conversion from traditional over time, have ~10% converted thus far and will continue to shift into the ROTH over next 13 years. Holding off tapping SSA until late 60s to assist conversion.
Question(s): Is your portfolio focused on solely dividends for income, selling growth funds, or combination thereof? If the later, what’s your split between growth/dividends?
I’m heavy into dividends since being retired now (SCHD, SPYI, and GPIQ) with 10% SGOV for immediate fuel and 10% VOO for growth. Entirely was into growth funds pre-retirement.
Appreciate your thoughts and responses!
27M opened in 2020 $350 a month
I also have a 401k with 13k + $220 a month
Started 2020 on a low income but consistently investing no matter what. Finally crossed 50k goal mainly investing in VOO QQQM and VGT. Next is 100k.
Invested in 2023 with $4k and then thankfully for 2025 was able to do $6k and these are my positions. But I’m still not very well versed in ROTH IRA and feel very much behind but this forum has been informative but still have a lot to learn.
Do I have any redundancy or opportunities to make a change in what I’m investing?
Also starting May I will be able to put $400 monthly instead of waiting until next April to put in lump sum
Hey all!
I know this has been discussed previously but would just like to verify.
For the past two years, my MAGI was such that a backdoor Roth IRA was necessitated. While executing the process, the funds accrued a small about of interest while sitting in my Traditional IRA just prior to converting to Roth IRA. I currently have just over $3 in the Traditional IRA and would like to execute a backdoor Roth IRA contribution for 2026.
What is the best way to execute this process and avoid any risk of pro rata taxation for the $7500 backdoor Roth? Should I convert the $3 to the Roth prior to contributing the $7500 into my traditional? Should I contribute the $7500 and convert it all at once to the Roth? Does it even matter? I understand I will be subject to taxation on the $3 interest sitting in the traditional, which is negligible really.
Thanks!
I forgot I had this account when I left Carmax last year and just got a letter about it from Inspira. I’d like to withdraw the $772 (I know I won’t get the full amount) and put it in my bank account. What does it mean that $.02 is cash available for distribution? Is that all that I would get deposited?
I have a traditional account as well and that one says $.07 cash available for distribution.
Would I not be getting a deposit for the market value (or close to?)
I am 35, I know that makes a difference too. Can someone guide me, I am set on ach withdrawal.
I'm 26 and started my Roth when I was around 23. Had no idea what I was doing and now have a ton of overlap in tech stocks and jumped into SCHD too early.
I'm looking to sell and split 80/20 in VTI (or VOO) and VXUS for now.
Finally to my question. If I sell and reinvest without withdrawing, will I pay any taxes on the gains ?
I have a similar situation in my taxable account with overlap in VOO and OneQI also carry AMZN, MFST, TSLA with around 15,000 in gains in those stocks
I'm welcome to any comments or suggestions