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.

Please include basics and specifics. Any related information would be great. Thanks!

Lastly, are Growth Mutual funds different from Mutual Funds?

Isn’t an IRA or Roth IRA just a bunch of mutual funds or should I go to Investing 101?
Thanks.

Last year, I rolled all of my investments from the 401K plans of previous employers into a mutual fund IRA rollover account. I have recently been considering putting that money into a Roth IRA. I would not be contributing regularly to the Roth IRA, were I to do it.

What are the advantages and/or disadvantages of doing this? Is my money as likely to grow as it would in a mutual fund investment? What are the tax issues involved with such a move?

Why should I have a vehicle to keep my mutual funds in? They are easily accessible when needed. I will be taxed at both points in time with or without a traditional IRA. The roth is not an option.

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