Hey guys, just wanted to bump this and see if anyone can make recommendations? Thanks :)
You don't want to leave the money sitting in a cash state. You need to put it into a fund, but it's up to you what kind of fund.
If you're still at the same company providing the 401K, no you can't move it.
Can't buy individual stocks (work in finance).
I find it surprising you're considering a REIT fund since you bought a house. You definitely don't need REITs, and I'd go further saying that nobody needs REITs. They're not really diversified as you claim. You're investing in less than 200 companies (20% in retail) that make a bulk of earnings in its dividend yield. If you think they're going to protect you in a downturn, you're mistaken. The yield is high now, but I think real estate is overpriced in the US.
No, I have my house, my emergency fund, my retirement savings, and then another stash of money invested in total stock and total international stock (all my fixed income exposure is in my retirement accounts for tax purposes). I'm either going to increase my "holds" in my regular taxable investment fund or I'll add a new fund.
Yeah I think I'm going to do this. I'm boring too. Just wondering at what point you should get less boring. Maybe never.
Quoting myself
Taxes still apply if you live in California or New Jersey. More states may join in the future (more likely if you think about what's going on).
You're still saving on federal and more importantly it then grows tax sheltered...
Thank you! I'll have to take a look-see at these. :)This is what I have in my HSA
I just opened the roth IRA account last week. I can still contribute for 2018?
Yes.
Ok, good to know it's not unusual. Sounds like we are definitely both using the same company.
Mine gets deducted from each pay check, sadly I cannot front-load my HSA.
Yes, I'm with Health Equity too.
Yes. Until mid-April.
Can confirm, nothing I can do about that though... ¯\_(ツ)_/¯
Yeah, I saw the wrap fee. Since I don't have a 401(k) available (my husband does, but not me), putting the money in there is still going to be way better than letting it sit. Plus $1500/year is absolutely free.
That's what they claimed per my research, that it was based on what the plan set.
I just started looking into this, and apparently Fidelity (where all my other investments are) is a good and cheap HSA provider.
Thanks, I'll look into that.
If your employer doesn't match, there's no reason to use the 403(b) over the IRA except for contributions over the IRA limit. With the IRA, you get your pick of all funds and can pick the lowest cost funds and company. You have no choice with your 403(b). Personally, working at nonprofits, I've found 403(b) companies/funds to generally not be the best, but YMMV.
You can open an IRA. Most people prefer Roth although some may not qualify if they make over a certain amount of money.
