Thanks for the replies.
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Originally Posted by Cute Fuzzy Bunny
Dumping your bonds into the IRA makes sense from a tax efficiency perspective, providing you've already determined that you want to hold bonds, wont need the income, and wont be tapping into the IRA to avoid selling depreciated equities in your taxable account during a downturn, invoking some early withdrawal penalties.
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Yes, these conditions are all met. I don't know if she'll ever need any of the money in the IRA, as a matter of fact. Between pension income and SS, she will likely not even withdraw much from the taxable accounts, actually.
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Originally Posted by boutros
Do you plan on funding the IRA contributions with money from the taxable account or from additional contributions? If you plan on from the taxable account you may want to put some bonds in the taxable so that you won't have to realize gains to make contributions.
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Thanks for thinking of this. She will have enough leftover from her income to fund the IRA, rather than having to transfer.
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Originally Posted by Brat
Variable Annuities are not in her best interest...
Now, make sure that she doesn't go near the 'advisers' who recommended them.
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I was laughing last night on the phone with her, listening to her take on the second advisor, who she talked with in person. She was unimpressed with him, since she easily grasps the idea that any investment fees are coming straight out of her pocket, and is not about to be convinced that 2.5% of her money (annual annuity fees) is negligible. She was mystified as to why she should pay that when she can invest with Vanguard and pay one-tenth that much. I'm very proud of her 
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