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  Topic: Investing too much money in my Roth - what happens?
BrianJone

Replies: 1
Views: 5005

Post image iconForum: Retirement Planning   Posted: Thu Apr 11, 2013 9:11 pm   Subject: Investing too much money in my Roth - what happens?
I was told that there is no penalty for investing an improper amount into a Roth IRA as long as its corrected the following year. The way it was explained to me: if I invest $1,000 in a 2013 Roth t ...
  Topic: Question about Bonds in Roth IRA
BrianJone

Replies: 9
Views: 9840

Post image iconForum: Retirement Planning   Posted: Thu Apr 11, 2013 12:47 pm   Subject: Question about Bonds in Roth IRA
you can reinvest dividends whether their from stocks or bonds in an roth ira and it won't count agianst your limits. that's the whole purpose of the roth ira, to let your earnings grow tax free.

T ...
  Topic: Question about Bonds in Roth IRA
BrianJone

Replies: 9
Views: 9840

Post image iconForum: Retirement Planning   Posted: Thu Apr 11, 2013 12:46 pm   Subject: Question about Bonds in Roth IRA
If he buys an individual bond, I don't think the interest paid can be automatically reinvested, because you can't buy fractional shares of a bond, can you? (Unless the broker/custodian makes that opt ...
  Topic: Question about Bonds in Roth IRA
BrianJone

Replies: 9
Views: 9840

Post image iconForum: Retirement Planning   Posted: Wed Apr 10, 2013 4:23 pm   Subject: Question about Bonds in Roth IRA
Dividents, interest, cap gains, coupons, that the IRA earns do not count against the $5500 limit, that applies to 'new' money. Can you have your bond yields immediately used to buy more bonds, that's ...
  Topic: Question about Bonds in Roth IRA
BrianJone

Replies: 9
Views: 9840

Post image iconForum: Retirement Planning   Posted: Wed Apr 10, 2013 1:36 pm   Subject: Question about Bonds in Roth IRA
If someone buys bonds that pay dividends semi annually and puts those bonds in a Roth IRA, can that money be reinvested within the Roth?

To detail the question a bit more, assuming the maximum is i ...
  Topic: Which Index Fund to choose?
BrianJone

Replies: 4
Views: 6632

Post image iconForum: Investing, Stocks and Bonds   Posted: Wed Apr 10, 2013 2:04 am   Subject: Which Index Fund to choose?
I found 3 index funds, they all look to be very similar and almost the same things. The Expense Ratio is slightly different and price, though the investing is very similar for all of the index funds. ...
  Topic: How long until Credit is repaired?
BrianJone

Replies: 3
Views: 16901

Post image iconForum: Credit & Loans   Posted: Mon Apr 08, 2013 1:34 pm   Subject: How long until Credit is repaired?
I have a friend who was paying off a student loan but did not realize there were 2 different student loans and one bill was sent to the parent's address. The late payments caused a drop in credit sc ...
  Topic: Starting a Roth IRA....please help
BrianJone

Replies: 11
Views: 8026

Post image iconForum: Retirement Planning   Posted: Sun Apr 07, 2013 2:24 am   Subject: Starting a Roth IRA....please help
I like the Targets. But in your case, it amounts to the same investments, the Target2055 is mostly SP500 Index - and as time passes they start introducing bonds into the mix. Personally, I stayed 100 ...
  Topic: Starting a Roth IRA....please help
BrianJone

Replies: 11
Views: 8026

Post image iconForum: Retirement Planning   Posted: Sat Apr 06, 2013 11:38 am   Subject: Starting a Roth IRA....please help
We use Vanguard's SP500 Index Fund (VFIAX). All of the major fund companies have an SP500 index fund, and their fees/costs are competitve. The index is unmanaged, no trading in/out by a fund manager, ...
  Topic: Starting a Roth IRA....please help
BrianJone

Replies: 11
Views: 8026

Post image iconForum: Retirement Planning   Posted: Fri Apr 05, 2013 11:34 am   Subject: Starting a Roth IRA....please help
I will be starting a Roth IRA for the first time, can anyone offer suggestions as to where I should be placing that money? I will likely retire in about 35 years. If you need more information please a ...
 
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