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my investing blog, can i get some feedback?

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Captain
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Posted: #1
Hey all. 
 
First off, if I am not allowed to post my site then just take this post down and I apologize.  It's a free site, obviously, a blog dedicated to helping out investors and geared toward the investors trying to become more informed. 
 
I figured that covers.com would be a great way to get some ideas and opinions considering I read this forum a great deal.
 
So I guess the reason why I am posting is for feedback.  I just started this like a month ago and have like 15 posts or so.  If anyone is interested and would like to help me out by giving constructive criticism, I would appreciate it. 
 
Also, I hope that I can help people out.
 
There are tons of topics I could cover so if there are any that you want me to touch on then please comment on the blog. 
 
Thanks guys, and again if I shouldn't have posted this due to covers.com rules then let me know.
 
 
 
 
Veteran
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Posted: #2

i made a comment on your blog

 
Captain
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Posted: #3
Quote Originally Posted by Gunners:

i made a comment on your blog

 

haha thanks !!   

I appreciate it.  I'll go check what you had to say now.

 
Captain
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Posted: #4
thanks a ton gunners, i will check that site out now
 
 
Hall of Fame
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Posted: #5
Some interesting stuff, but I disagree with your asset location rant.  First of all, the capital gains rate will most likely not stay at 15% especially if a democrat is elected, and I'd recommend maxing out first in a ROTH Ira as since it is for retirement, youll not be paying anything on the earnings as opposed to what the capital gains rate will be in the future.
 
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Posted: #6
Quote Originally Posted by Stuckey:

Some interesting stuff, but I disagree with your asset location rant.  First of all, the capital gains rate will most likely not stay at 15% especially if a democrat is elected, and I'd recommend maxing out first in a ROTH Ira as since it is for retirement, youll not be paying anything on the earnings as opposed to what the capital gains rate will be in the future.

 

 well said, I agree about the capital gains tax rate being increased, most likely,,,

Was your comment regarding the Roth IRA contributions stating that you think you should contribute to a Roth before contributing to a work 401k?  (I'd like to understand your contention before I answer) 

If that is what you were saying then I would obviously disagree b/c most work 401k plans will match and when you leave the job, as I am sure you know, you can roll it into a tax deferred rollover IRA. 

If that is not what you are saying let me know and tell me which post it was included in. Thanks for th input Stuckey

 

 
Legend
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Posted: #7
Quote Originally Posted by Stuckey:

Some interesting stuff, but I disagree with your asset location rant.  First of all, the capital gains rate will most likely not stay at 15% especially if a democrat is elected, and I'd recommend maxing out first in a ROTH Ira as since it is for retirement, youll not be paying anything on the earnings as opposed to what the capital gains rate will be in the future.


Can't really give a blanker recommendation on this.  It depends on so many factors.  First of all, if your 401K is being matched you gotta contribute at least up to the match for sure.  Beyond that, and assuming you even qualify for a Roth, it depends largely on your current bracket.  Not only that but some people are really in an even higher bracket because they may be in the middle of being phased our for certain deductions and credits (e.g. child tax credit, student loan interest) which can push effective marginal rate up over 35% easy.  In that case, I say take the immediate upfront deduction and save more.  Of course if it's a 401K you can still max that out and still contribute to a Roth if you qualify.  I say do both.  There is something to be said for tax account diversification.  Have a traditional, a Roth and a regular brokerage.  Adds more flexibility down the road.
 
Captain
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Posted: #8

Quote Originally Posted by depeche2:



Can't really give a blanker recommendation on this.  It depends on so many factors.  First of all, if your 401K is being matched you gotta contribute at least up to the match for sure.  Beyond that, and assuming you even qualify for a Roth, it depends largely on your current bracket.  Not only that but some people are really in an even higher bracket because they may be in the middle of being phased our for certain deductions and credits (e.g. child tax credit, student loan interest) which can push effective marginal rate up over 35% easy.  In that case, I say take the immediate upfront deduction and save more.  Of course if it's a 401K you can still max that out and still contribute to a Roth if you qualify.  I say do both.  There is something to be said for tax account diversification.  Have a traditional, a Roth and a regular brokerage.  Adds more flexibility down the road.

well said depeche

exactly what i was trying to get across... i always say save as much as possible, hence why I mention maxing out a 401k and an IRA in my blog

 
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Posted: #9
Obviously 401k first, but then Roth before any other account.  If you qualify (agi under 100k and file together married amongst other things), then max out your roth.  Then, if you have more money you want to put away, then stick it in a regular taxable account.
 
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Posted: #10
I have a 401k, a roth IRA, a traditional IRA, and a couple mutual funds.  I put my company match into my 401k, then whenever I want to put money aside for the long run, I always stick in my roth.  If it is for something in the next 5 years, Ill throw it in one of my taxable accounts.


Another reason the Roth is so advantageous is 40 years from now (I'm 22 right now) who the fuck knows how high the tax brackets will be
 
Legend
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Posted: #11
Whenever possible everyone should have a traditional IRS or 401K, a Roth IRA and a regular taxable account.  Have all 3.  Then direct certain investments and manage and mix between the accounts as best for tax purposes.  Diversity with a purpose.
 
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Posted: #12
Quote Originally Posted by Stuckey:

I have a 401k, a roth IRA, a traditional IRA, and a couple mutual funds.  I put my company match into my 401k, then whenever I want to put money aside for the long run, I always stick in my roth.  If it is for something in the next 5 years, Ill throw it in one of my taxable accounts.


Another reason the Roth is so advantageous is 40 years from now (I'm 22 right now) who the fuck knows how high the tax brackets will be

 

aint that the truth

 
 
Captain
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Posted: #13
Quote Originally Posted by depeche2:

Whenever possible everyone should have a traditional IRS or 401K, a Roth IRA and a regular taxable account.  Have all 3.  Then direct certain investments and manage and mix between the accounts as best for tax purposes.  Diversity with a purpose.

 

 

its not all about asset allocation, asset Location is just as important!!

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