/biz/ - Business & Finance

>>50504436
What's the point of taking Roth? Are you expecting to be paying higher taxes on your retirement than you do on your income now?

All Century Portfolio
20 percent total U.S stockmarket
5 percent U.S. REITs
5 percent U.S. small cap value
15 percent Pacific equities
15 percent European equities
10 percent U.S. TIPs
10 percent U.S. high yield corpbonds
20 percent U.S. total bondmarket

Classic 60/40, go less bonds if younger. Simple as.

>>50504532
Yes absolutely. It’s completely tax advantaged. I’m going pretty dividend heavy right now so all of those dividends hitting arent taxed. When I build up enough cash over the next few years I’ll have a dedicated day trading amount to play with. I’ll avoid taxes on all of those short term trades. Another advantage of the Roth is you can withdrawal your contributions at any time tax free so it acts as an emergency savings account. Say you’ve been maxing for ten years, that means you can take out $60,000 if you want to invest in a house or other private equity.

>>50504436
>come out you Black and Tans

This is my 401k, but same idea
>90% 2055 retirement target fund
>5% large cap equities
>5% foreign equities
Roth is good as well, since Congress may not renew the Trump tax cuts in 2025.

>>50504876
My wife is 100% in target 2055 retirement. As far as I know she doesn’t have an option to select her own securities. Her employer matches 100% up to 4% of her salary.

>>50504609
Read our own pic.. Its common sense you get tax and penalty when you withdraw early... Jesus

>>50504917
I said you can withdrawal your contributions at anytime with no penalty. I’m right

The ONLY retirement idea/plan i know of is a charitble trust remainder, but you need at least 7 figures for it to be worth a shit.

>>50506339
Good thing that’s not the only plan

Have 100 percent of my funds going to sp500. I do roth and my company match is traditional

>mfw make too much money to invest in Roth IRA
My pre-tax 401k and 403b are bussin though