Comments on: Where Should I Really Be Doing My Investing? http://sweatingthebigstuff.com/where-should-i-really-be-doing-my-investing/ Spending Wisely: Making Smart Personal Finance Decisions Tue, 22 May 2012 16:22:59 +0000 hourly 1 By: Daniel http://sweatingthebigstuff.com/where-should-i-really-be-doing-my-investing/comment-page-1/#comment-1017 Daniel Thu, 04 Mar 2010 18:25:57 +0000 http://sweatingthebigstuff.com/?p=1100#comment-1017 <a href="#comment-1014" rel="nofollow">@FinEngr</a>, I want to contribute $5,000 each year to my retirement funds, at least for the time being. After I reach that limit, I'm going to use the extra space for my own "tax-free" investing. I can do this mostly because I have a Roth 401(k) at work, which means that if I contribute $5,000 to the Roth IRA and $3,000 to the Roth 401(k), I'll withdraw $3,000 from the Roth IRA (and any interest I gained on it). @FinEngr, I want to contribute $5,000 each year to my retirement funds, at least for the time being. After I reach that limit, I’m going to use the extra space for my own “tax-free” investing. I can do this mostly because I have a Roth 401(k) at work, which means that if I contribute $5,000 to the Roth IRA and $3,000 to the Roth 401(k), I’ll withdraw $3,000 from the Roth IRA (and any interest I gained on it).

]]> By: FinEngr http://sweatingthebigstuff.com/where-should-i-really-be-doing-my-investing/comment-page-1/#comment-1014 FinEngr Thu, 04 Mar 2010 17:41:39 +0000 http://sweatingthebigstuff.com/?p=1100#comment-1014 So to summarize - you'll be adding $10k within the next few months, using the Roth for trading, and withdrawing the principal for other vehicles? 1. Good luck on the goal. I'm always supportive of "more now, less later". Actually going to write a post along these lines (maybe link back here - will let you know) 2. This is a strategy that has been discussed before. From what I've read, it seems like a mixed-bag of responses. 3. Only portion I am hesistant on. Even with 10,20,30% gains - your principal accounts for the majority of your position. Removing and amount is like hitting reset on the game of compounding. You'll then only be earning 10,20,30% on 10,20,30% of the total. Maybe I'm not clear on your plan... .-= FinEngr´s last blog ..<a href="http://www.engineeryourfinances.com/2010/03/financial-lessons-from-engineering/" rel="nofollow">Financial Lessons From Engineering</a> =-. So to summarize – you’ll be adding $10k within the next few months, using the Roth for trading, and withdrawing the principal for other vehicles?

1. Good luck on the goal. I’m always supportive of “more now, less later”. Actually going to write a post along these lines (maybe link back here – will let you know)

2. This is a strategy that has been discussed before. From what I’ve read, it seems like a mixed-bag of responses.

3. Only portion I am hesistant on. Even with 10,20,30% gains – your principal accounts for the majority of your position. Removing and amount is like hitting reset on the game of compounding. You’ll then only be earning 10,20,30% on 10,20,30% of the total. Maybe I’m not clear on your plan…
.-= FinEngr´s last blog ..Financial Lessons From Engineering =-.

]]> By: mbhunter http://sweatingthebigstuff.com/where-should-i-really-be-doing-my-investing/comment-page-1/#comment-502 mbhunter Thu, 28 Jan 2010 07:46:21 +0000 http://sweatingthebigstuff.com/?p=1100#comment-502 "Why invest and pay taxes when I can invest and not pay taxes?" Because the rules that govern Roth IRAs can change at any time. It's more difficult to tighten the noose on non-qualified plans. “Why invest and pay taxes when I can invest and not pay taxes?”

Because the rules that govern Roth IRAs can change at any time. It’s more difficult to tighten the noose on non-qualified plans.

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