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Start a Roth IRA

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Recent activity

kittycatpurr 6 years ago

kittycatpurrall right

That only took me six years. Opened a Vanguard target-date fund with part of my tax return. And it ticked up 1% in interest already.

Vanguard Vanguard Vanguard. 4 weeks ago

promba 7 years ago


1upmushroom 20 months ago

user48217 15 months ago

Dan 7 years ago

1upmushroomGot a plan

I’m always looking to save more for retirement. I’m a semi-late starter in that I’m in my early 30s, but I have a 401k with work and a 401k with an old job. Since the tax rates are so low, it makes sense to have savings for the future that won’t get hit with taxes upon withdrawal when they may be much higher in the future. Need to look into if I can roll my old 401k into my new one and if not I will use it for a Roth IRA. My current 401k is mainly investing in a target date Vanguard fund so I’m leaning against using Vanguard for my roth as I don’t feel comfortable putting all my eggs in one basket so to speak. Fidelity doesn’t have a minimum investment if you can save $200 a month, which should be doable for me when my boyfriend and I moved in together and my lease is up as my expenses will go down a lot. In the meantime, I have savings account labeled Roth that I’m saving in to put towards opening my account. 20 months ago

WickedFictitious 2 years ago

Anya W.A More Concrete Plan

After researching, I’ve found that my favorite option out of the two I was considering (T. Rowe Price vs. Vanguard) requires a minimum of $1000 to open. From my research, I’ve been looking for an no-load index kind of fund, and the T. Rowe Price Roth seems to have a lot more foreign investments made – which makes the fund more risky than the Vanguard. While I like that, because I would like my financial decisions to reflect my idea of being a global citizen, I’m still at a loss for which to finally pick. In the end, since I just finished my emergency fund, I can start saving at least a thousand for this goal, too. So that deters me a lot longer than June, seeing as I have a grand total of $0 saved for it so far.

I dunno when I will reach that thousand, whether it will be by the end of this year or the beginning of the next, but it’s still on my goals list. Going to make a separate bank account today to start saving up. Wish me luck! 2 years ago

dancingcharlie 2 years ago

Anya W.Postponed for June

March was madness, and a lot of crazy things have happened. I really mean to get to this goal in June.

I forgot that I already began a 401k at my current job. When I leave this job, I need to roll it over into my Roth that I will be making. I was inspired by Get Rich Slowly and Suze Orman to do this.

So far, I have done a little looking around, and this article in particular has really made me rethink my strategy. I think I need to consult with some more advice before June. Out of all of the places, T. Rowe Price has me the most confident, but I won’t put any chips down until June. 2 years ago

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