Roth IRA, Traditional IRA, 401K » funds http://www.iraroth.net IRA Questions and Answers Tue, 17 Jan 2012 00:09:43 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 What is the difference between a Roth IRA/IRA and mutual funds? http://www.iraroth.net/2011/03/what-is-the-difference-between-a-roth-iraira-and-mutual-funds-2/ http://www.iraroth.net/2011/03/what-is-the-difference-between-a-roth-iraira-and-mutual-funds-2/#comments Sat, 19 Mar 2011 22:24:16 +0000 admin http://www.iraroth.net/2011/03/what-is-the-difference-between-a-roth-iraira-and-mutual-funds-2/ Question by brewbeer212: What is the difference between a Roth IRA/IRA and mutual funds?
Isn’t an IRA or Roth IRA just a bunch of mutual funds or should I go to Investing 101?
Thanks.

Best answer:

Answer by KC
Go to investing 101. It will explain this and a lot more. You need to understand some of these basics so you don’t toss and turn in your sleep worried about your retirement.

Give your answer to this question below!

]]> http://www.iraroth.net/2011/03/what-is-the-difference-between-a-roth-iraira-and-mutual-funds-2/feed/ 4 Roth IRA help – What type of funds to invest in for someone who knows little about investing? http://www.iraroth.net/2011/02/roth-ira-help-what-type-of-funds-to-invest-in-for-someone-who-knows-little-about-investing-2/ http://www.iraroth.net/2011/02/roth-ira-help-what-type-of-funds-to-invest-in-for-someone-who-knows-little-about-investing-2/#comments Sun, 27 Feb 2011 22:23:11 +0000 admin http://www.iraroth.net/2011/02/roth-ira-help-what-type-of-funds-to-invest-in-for-someone-who-knows-little-about-investing-2/ Question by Sje: Roth IRA help – What type of funds to invest in for someone who knows little about investing?
I’m 34 and want to start a Roth IRA for myself and plan to to contribute the max amount in one contribution each year. I know I want to go with either Fidelity, Vanguard, or T. Rowe. I know very little about investing and would like to feel secure with the investment. I know there are too many funds to choose from and I don’t understand them. Thanks for your suggestions.

Best answer:

Answer by Shana B
I know Fidelity (and probably the others too) has funds that are named by the year that you plan to retire (so you’d pick fund for the year 2040) that will automatically redistribute your money to be more aggressive when you’re younger and more conservative and safer as you age. They mix it up b/w stocks, bonds, and cash for you.

What do you think? Answer below!

]]> http://www.iraroth.net/2011/02/roth-ira-help-what-type-of-funds-to-invest-in-for-someone-who-knows-little-about-investing-2/feed/ 2 Retirees hope to travel, contribute to college funds http://www.iraroth.net/2010/09/retirees-hope-to-travel-contribute-to-college-funds/ http://www.iraroth.net/2010/09/retirees-hope-to-travel-contribute-to-college-funds/#comments Mon, 13 Sep 2010 11:02:16 +0000 admin http://www.iraroth.net/2010/09/retirees-hope-to-travel-contribute-to-college-funds/ Retirees hope to travel, contribute to college funds
Jeff and Debbie are new retirees. Both in their early 60s, they know they need to change their investment strategy from an accumulation phase to one that delivers a steady stream of income. They hope their investments can supplement…

Read more on The Star-Ledger

]]> http://www.iraroth.net/2010/09/retirees-hope-to-travel-contribute-to-college-funds/feed/ 0 What are the good funds to invest into our Roth IRAs? http://www.iraroth.net/2010/03/what-are-the-good-funds-to-invest-into-our-roth-iras/ http://www.iraroth.net/2010/03/what-are-the-good-funds-to-invest-into-our-roth-iras/#comments Mon, 29 Mar 2010 21:27:03 +0000 admin http://www.iraroth.net/2010/03/what-are-some-good-american-funds-to-invest-into-a-roth-iras-for-a-couple-who-has-25-years-until-retirement/  We are a couple.We both have roth IRAs and are planning to retire 30 years from now.Anybody know about some good “American funds” that we can invest into our Roth IRAs?Thanks

]]> http://www.iraroth.net/2010/03/what-are-the-good-funds-to-invest-into-our-roth-iras/feed/ 6 Traditional IRA without tax break or Index Funds? http://www.iraroth.net/2010/03/traditional-ira-without-tax-break-or-index-funds/ http://www.iraroth.net/2010/03/traditional-ira-without-tax-break-or-index-funds/#comments Wed, 24 Mar 2010 22:22:30 +0000 admin http://www.iraroth.net/2010/03/tradition-ira-wo-tax-break-vs-index-funds/ I exceed income limits for traditional IRA deduction but thought I’d open one to take advantage of long-term tax-deferred growth. However, a friend recommends investing in low-cost index funds in a taxable account, as capital gains taxes (currently) are only 15% and that withdrawls from an IRA later on will likely be at a greater rate than this (depending on my future tax bracket). Does this make sense? Is there something he’s not factoring in?

]]> http://www.iraroth.net/2010/03/traditional-ira-without-tax-break-or-index-funds/feed/ 3 If my employer funds a SEP IRA in my name, does that impact my Traditional IRA contribution limit? http://www.iraroth.net/2010/02/if-my-employer-funds-a-sep-ira-in-my-name-does-that-impact-my-traditional-ira-contribution-limit/ http://www.iraroth.net/2010/02/if-my-employer-funds-a-sep-ira-in-my-name-does-that-impact-my-traditional-ira-contribution-limit/#comments Sun, 28 Feb 2010 16:35:21 +0000 admin http://www.iraroth.net/2010/02/if-my-employer-funds-a-sep-ira-in-my-name-does-that-impact-my-traditional-ira-contribution-limit/ Links to sites with information are appreciated.

]]> http://www.iraroth.net/2010/02/if-my-employer-funds-a-sep-ira-in-my-name-does-that-impact-my-traditional-ira-contribution-limit/feed/ 2 if i been investing 300 month in mutual funds and Roth IRAs for the last 2 years, can I lower the amount? http://www.iraroth.net/2010/02/if-i-been-investing-300-month-in-mutual-funds-and-roth-iras-for-the-last-2-years-can-i-lower-the-amount/ http://www.iraroth.net/2010/02/if-i-been-investing-300-month-in-mutual-funds-and-roth-iras-for-the-last-2-years-can-i-lower-the-amount/#comments Fri, 19 Feb 2010 02:19:51 +0000 admin http://www.iraroth.net/2010/02/if-i-been-investing-300-month-in-mutual-funds-and-roth-iras-for-the-last-2-years-can-i-lower-the-amount/ I am going to be getting out of my job in February and I need to lower my amount that I put into the investing each month. Do I just talk to my financial planner and he can take care of that. Or anre there penalization fees? I just need to lower it for a while until I get a different job or get some other similar income. Ive done this through First Command, and they been investing my money through Pioneer Investments and Franklin templeton.

]]> http://www.iraroth.net/2010/02/if-i-been-investing-300-month-in-mutual-funds-and-roth-iras-for-the-last-2-years-can-i-lower-the-amount/feed/ 2 What are Growth Mutual Funds and how is it involved with IRAs? http://www.iraroth.net/2010/02/what-are-growth-mutual-funds-and-how-is-it-involved-with-iras/ http://www.iraroth.net/2010/02/what-are-growth-mutual-funds-and-how-is-it-involved-with-iras/#comments Fri, 12 Feb 2010 05:36:26 +0000 admin http://www.iraroth.net/2010/02/what-are-growth-mutual-funds-and-how-is-it-involved-with-iras/ Please include basics and specifics. Any related information would be great. Thanks!

Lastly, are Growth Mutual funds different from Mutual Funds?

]]> http://www.iraroth.net/2010/02/what-are-growth-mutual-funds-and-how-is-it-involved-with-iras/feed/ 2 What funds to invest in right now (AMERICAN FUNDS ONLY) for 30 year old married couple- 100$ each in Roth IRAs? http://www.iraroth.net/2010/02/what-funds-to-invest-in-right-now-american-funds-only-for-30-year-old-married-couple-100-each-in-roth-iras/ http://www.iraroth.net/2010/02/what-funds-to-invest-in-right-now-american-funds-only-for-30-year-old-married-couple-100-each-in-roth-iras/#comments Mon, 08 Feb 2010 17:55:39 +0000 admin http://www.iraroth.net/2010/02/what-funds-to-invest-in-right-now-american-funds-only-for-30-year-old-married-couple-100-each-in-roth-iras/ Right now we each have 50 bucks a month put in to the Growth fund of america and the Capital World Growth and Income Fund…. wise allocation? or should we be doing something else

]]> http://www.iraroth.net/2010/02/what-funds-to-invest-in-right-now-american-funds-only-for-30-year-old-married-couple-100-each-in-roth-iras/feed/ 3 What is the difference between a Roth IRA/IRA and mutual funds? http://www.iraroth.net/2009/12/what-is-the-difference-between-a-roth-iraira-and-mutual-funds/ http://www.iraroth.net/2009/12/what-is-the-difference-between-a-roth-iraira-and-mutual-funds/#comments Tue, 15 Dec 2009 06:21:30 +0000 admin http://www.iraroth.net/2009/12/what-is-the-difference-between-a-roth-iraira-and-mutual-funds/ Isn’t an IRA or Roth IRA just a bunch of mutual funds or should I go to Investing 101?
Thanks.

]]> http://www.iraroth.net/2009/12/what-is-the-difference-between-a-roth-iraira-and-mutual-funds/feed/ 5