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Learning, Sharing, and Teaching => Investor Alley => Topic started by: Jacob1234098 on July 24, 2014, 11:59:29 AM

Title: Advice requested on stock decision
Post by: Jacob1234098 on July 24, 2014, 11:59:29 AM

MOD NOTE: Locking Duplicate thread. Go here for discussion:
http://forum.mrmoneymustache.com/investor-alley/advice-for-inexperienced-investor
/END MOD NOTE

I thought I had this stuff figured out, but I've read some articles recently that completely went against how I have been doing things. Apparently, I've been making some big mistakes and want to avoid those going forward. For instance, I've been investing in a Roth IRA and Roth 401k, not aware that you can use tax avoidance strategies if you invest in the traditional IRA/401k.

My current breakdown is:

401k account:
US Large   $32,066
US Mid   $30,379
US Small   $30,665

Vanguard:
Roth    IRA
2055 fund   21,262.06
Int stock fund   5,933
Taxable (Admiral) Acct   
2055 fund   2,400.00
int stock fund   15,088
US bond fund   11,924
Int bond fund   0

Cash   23088.56
MyNCU   20283
HSA   2805.56

Title: Re: Advice requested on stock decision
Post by: matchewed on July 24, 2014, 12:34:12 PM

Is there a question?

Title: Re: Advice requested on stock decision
Post by: Kaspian on July 24, 2014, 12:46:21 PM

I think the best person for this is Jim Collins.  He has lots of info on Vanguard, taxes, and proper asset allocation on his web site.

http://jlcollinsnh.com/2014/06/10/stocks-part-xxiii-selecting-your-asset-allocation/

(That's just the first one I tripped across.  Sorry I'm not much help--I'm Canadian and our taxable accounts are named and work differently.)