Hello!
I am 55 years old single woman, self-employed. I have started investing pretty late, I could say 2 years ago.
Two years ago, I opened a Roth IRA with Vanguard with a VTTHX Varguard target fund 2035 and after that this is what I have on my portofolio currently:
Vanguard Roth IRA -$56K
VTTHX Varguard target fund 2035 - $35K
Brokerage Account - Vanguard & Schwab
VTI - $10k
VXUS - $5k
BND - $2k
Charles Schwab $7K total
SCHD - $4k
AVUV - $3k
Capital 1 Savings Account - $10K (4.25% rate)
I-Bonds Treasury - $10K (treasury website)
Cash to invest right now $39K
I have started doing monthly investment of $3,500 specially because of my late started, so I am almost all into.
Not planning to need the money till 15 years or more with the help of God.
After doing a lot of research about it. I would like to move all my VTTHX target fund (Roth IRA) to a ETFs or mutual funds, and get rid of that target fund. I believe it is too conservative for me, eventhough I am 55 years old, I would like to take a little more risk but nothing crazy.
I appreciate, if you can help me to figure out what to add for my Roth IRA account instead of the target fund. As well as the percentage to invest. Looking for a taxable efficient account.
Where would you invest my cash now?
I am also interested in possible adding one of two Growth Funds (XLK, VGT, SMH, SOXX, QQQM, VUG) still researching about it. Any thoughts about it will be really appreciate.
I would also would like to have at least $1k in bitcoin (GBTC, ETH) and leave it there, not planning to adding more or maybe a extra $1K, that's it.
Searching as well, VISA and AWR stocks for 2.5% each one on my portofolio. Not sure about this though, becuase when I add these stocks to Portofolio Visualizer the improvement on my portofolio is none or worst.
My goal is to keep investing no matter what for long term, at least 15 years more or so.
I do not know if I can open a SOLO 401k besides my Roth IRA or any others tax deffered accounts? I cannot open a HSA account because of my health insurance does not apply to that.
I would appreciate any recommenditions about the way I am holding my accounts.
Thanks a bunch!
Pam.
I am 55 years old single woman, self-employed. I have started investing pretty late, I could say 2 years ago.
Two years ago, I opened a Roth IRA with Vanguard with a VTTHX Varguard target fund 2035 and after that this is what I have on my portofolio currently:
Vanguard Roth IRA -$56K
VTTHX Varguard target fund 2035 - $35K
Brokerage Account - Vanguard & Schwab
VTI - $10k
VXUS - $5k
BND - $2k
Charles Schwab $7K total
SCHD - $4k
AVUV - $3k
Capital 1 Savings Account - $10K (4.25% rate)
I-Bonds Treasury - $10K (treasury website)
Cash to invest right now $39K
I have started doing monthly investment of $3,500 specially because of my late started, so I am almost all into.
Not planning to need the money till 15 years or more with the help of God.
After doing a lot of research about it. I would like to move all my VTTHX target fund (Roth IRA) to a ETFs or mutual funds, and get rid of that target fund. I believe it is too conservative for me, eventhough I am 55 years old, I would like to take a little more risk but nothing crazy.
I appreciate, if you can help me to figure out what to add for my Roth IRA account instead of the target fund. As well as the percentage to invest. Looking for a taxable efficient account.
Where would you invest my cash now?
I am also interested in possible adding one of two Growth Funds (XLK, VGT, SMH, SOXX, QQQM, VUG) still researching about it. Any thoughts about it will be really appreciate.
I would also would like to have at least $1k in bitcoin (GBTC, ETH) and leave it there, not planning to adding more or maybe a extra $1K, that's it.
Searching as well, VISA and AWR stocks for 2.5% each one on my portofolio. Not sure about this though, becuase when I add these stocks to Portofolio Visualizer the improvement on my portofolio is none or worst.
My goal is to keep investing no matter what for long term, at least 15 years more or so.
I do not know if I can open a SOLO 401k besides my Roth IRA or any others tax deffered accounts? I cannot open a HSA account because of my health insurance does not apply to that.
I would appreciate any recommenditions about the way I am holding my accounts.
Thanks a bunch!
Pam.
Statistics: Posted by PamPeru — Wed Jun 12, 2024 6:40 pm — Replies 0 — Views 24