Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Selecting Asset Classes for Roth Conversion
Old 12-18-2007, 07:56 AM   #1
Thinks s/he gets paid by the post
Telly's Avatar
Join Date: Feb 2003
Posts: 1,436
Selecting Asset Classes for Roth Conversion

It looks like this tax year will be a good time for me to chip a bit more off of an IRA and convert to Roth.

In one Roth, I have REIT index fund.

In another Roth, the subject of this post, I have previously converted some Foreign Large Blend, and Domestic Value into it. I was just going to choose out of some other funds in the IRA, like World Large Value, or Domestic Large Growth to convert, to add more variety to this Roth.

But then, I started to wonder if I should be converting some bond fund. I have a Domestic Intermediate High-Quality in the IRA that I could convert some of it.

I don't think I'll be withdrawing any Roth for about the next ten years or so. And when I do withdraw, it will be with the idea of using it in a multitude of income sources to reduce the taxation on SS via using some Roth withdrawals (Roth withdrawals are not counted in the married filing jointly SS 32k taxation rule).

With these goals in mind, does adding some bond conversion sound like a good idea? Any negatives to having a bond fund in a Roth vs. an IRA? I just thought of this last night.

-- Telly, the D-I-Y guy --
Two fools dancing on the hands of time
Telly is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 12-18-2007, 04:29 PM   #2
Thinks s/he gets paid by the post
Lsbcal's Avatar
Join Date: May 2006
Location: west coast, hi there!
Posts: 4,827
I have only equities in my Roth as they historically have the highest appreciation. But I try to keep the Roth reasonably diversified between U.S./foreign, mid/large US, value/growth -- no REITs yet.
Lsbcal is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Any drawbacks to duplicating asset classes between Roth and 401K? loxx9 FIRE and Money 2 07-25-2007 01:57 PM
Any under/fairly valued asset classes out there ? Delawaredave FIRE and Money 22 10-30-2006 11:15 PM
Asset Classes smooch FIRE and Money 2 12-12-2005 06:31 PM
add other asset classes? just_hatched FIRE and Money 17 10-08-2005 10:24 PM
Categorizing Asset Classes DFW_M5 FIRE and Money 12 02-23-2004 03:23 PM


All times are GMT -6. The time now is 10:57 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.