r/RothIRA

Opened my Roth a month ago or so as I’m finally able to afford socking some $ away. I started with 50/50 VYM & TRBPX with the year I’d be closest to 65. I’m putting $100 a week in and will be pushing to max it by April if not sooner. I started kinda late @ 28 ig but better than never?

After more education and reading, I’m thinking I should sell off the VYM and throw it all into VOO and do a 80/20 VOO/TRBPX or 80/10/10 of VOO, TRBPX, and then a international fund as well. I learned dividend idea is good later in life when I’d want monthly income retired but it won’t really grow either.

Let me know if this is a better idea or if there is another consideration. My bank (SoFi gives 1% match but I mainly picked them bc I use them for everything else rn)

Extremely important note, due to my partner’s employment. I can only go into EFTs, MFs, shit I can’t specifically pick the stock/company.

Im 27, have a massive rollover from my old job headed to my IRA, making up about half of my total retirement funds, and I’m considering either DCA’ing over a set period or just dumping it back in. I’m usually not hesitant about investing despite the booming markets, but since my account will mostly be back to cash now, I thought this would be a good time to consider this.

All opinions are appreciated- if you recommend the DCA route, please share the time period to do it over.

Thank you! And a bonus thanks if you include your recommended funds and their allocation %’s!

I just opened acct yesterday with fidelity and set recurring payments of 400/m for the rest of 2026. So far I put in $240 to VT. $80 to VXUS. $60 to QQQM. And $20 to MRNA. Was also thinking of diving into crypto or stock trading if those are viable ideas but would like a bit more knowledge on basic investing first.

Hi,
I made contributions to employer after-tax 401k years ago that were sitting there vested. Now I have contributions and earnings. I was looking for ways to move it to Roth IRA and below is the option that was provided to me.
- Move Contributions to Roth IRA
- Move earnings to Traditional IRA
- Move earnings from Traditional IRA to employer pre tax 401k bucket (I want to do this step so that everything pre tax is in one bucket)

Anyone see any issues with the approach or are there better ways to do it?

Hi All -

For context, I make about 100k/yr . Around January 2026 , I maxed out my 2026 Roth IRA contribution ( with Fidelity). However, the company I’m working at is going through an acquisition, and awarded us with RSU’s ( company stock options), and we received a bonus on top of that which puts my year-to- date 2026 gross income to be around 280k. I know this is well above the Roth IRA limit, but I’m looking for advice on what to do with the Roth IRA $ I’ve already contributed? I don’t want to get in trouble with the irs ! Thank you in advance

I have funded my Roth IRA for 2026 however due to a second job, I may be approaching or exceed the limit to fund a Roth IRA. I have a traditional IRA that I would need to roll over to my 401k plan if I do a Backdoor roth contribution.

My question is: can I wait until the beginning of 2027 after I get a better picture of my income to do the ira rollover and also the backdoor Roth contribution?

I have around $8000 to put into an investment account right now and gonna try to add money to it every year. I’m going into junior year of college and gonna get an accounting job in a couple years so I’ll have a lot more money to invest. What I’m wondering is what etf’s to invest in as a long term investment until I’m 65 (I’m 20 rn). It’s gonna go into a Roth IRA. I heard a lot of just putting all my money in vt/vti but don’t know if that’s ideal or not. I’m brand new to all of this and am willing to go a bit riskier to make a higher return. Thank you for the help

if you had to start from 0, what advice could you give me? i had a 401k but had to withdraw what i had to keep afloat when i lost my job. I know nothing of this jargon i read here and I work at a company that can give 6% match contribution. I am interested in any information anyone kind and smart is willing to share.

Hello,

There was a time when I did several years of backdoor roths (probably 2014-2018). I did everything with my brokerage the way I was supposed to but when it came time to do my taxes online with the hrblock program, I could never figure out how to properly report it. It kept trying to tax me again on the money so I just deleted it and didn’t report it. I have since done more backdoor Roths, converted over into the same Roth account and reported it properly.

My question is I still have 15 years to go before I even think about touching this money. Is there a real consequence to this or am I worrying myself over nothing? I don’t understand how the IRS would be able to tell what was reported or not. Or even contributions vs growth for that matter. Am I okay as long as I do everything properly in the future or is this going to cause a big problem for me eventually?

Thank you for your time.

Hi I have a rollover 401k from an old job there’s only like $4k in it should I convert it to my Roth IRA? Or does it not matter? From what I understand if I convert it I owe taxes on that amount, correct? Are there any pros for converting it or pros for leaving in rollover account? I am 36 and I have a company 401k I contribute 8% with and just recently opened Roth IRA I only have like $1k in there right now

When I first started investing 4 years ago, I did a lot of research and a lot of people told me to invest vti in my individual account and invest brkb in my Roth IRA so that's what I've been doing.

I recently was checking out their returns and vti has performed way better than brkb has. Should I start maxing out my Roth IRA with vti or still invest most in brkb and then a little bit in other stocks like HSBC and sofi?

My job recently offered 401k but I opted out since they aren’t matching. This reminds me of a Roth IRA account I opened about two years ago with Fidelity. My heart sunk when I noticed that it hasn’t moved a penny. Fast forward after googling questions I had I am here to ask for advice. I don’t know anything about investing. Should I let Fidelity do it for me? If not, and I do it on my own where should I invest? Should I make contributions here monthly instead? If I were to get a new job, or if my current starts matching the 401k contributions, should I opt in or stick to my Roth IRA account?

Do you save up in the previous year?

I'm considering maxing out in the beginning of the year next year, but then I'll have to hold off from further investing for at least half a year to restore my savings to their current level.