Hello all,
I’ve recently started buying into VTI in my Roth IRA. This obviously caps at $7000 a year and won’t be touchable till I am much older. I’m currently 36. I put 10% of all of my checks into my 401k with my employer matching 5%. I make $90,000 a year.
I have $25,000 in a HYSA, and $20,000 in a Joint HYSA with my fiancé for expenses on our house if needed. Ofc this includes none of her assets.
This may be a simple and obvious question, but does it make sense to be putting ~550 in the Roth account buying VTI every month, and also putting say $1000 or so buying VTI in a traditional brokerage account?
The goal being wealthy retirement. Thanks!
Roth IRA + Traditional Brokerage Question
byu/onichris ininvesting
Posted by onichris
3 Comments
IRA limit for 2025 is $7500 for a 36 year old, so realistically is $625 per month. Any combo of VOO/VTI/VXUS/VWO is going to be fine.
In my opinion, your Roth is a great place for growth, so maybe consider VONG. If you’re set on VTI, it’s also fine.
You can’t go wrong with this strategy.
You never know what could happen. I’d fill up the Roth first, then put the rest in taxable. Especially if you have to stop making contributions for some time, better to have the in the Roth.
Don’t forget, the funds in the Roth are not locked away forever. You can withdraw your *contributions* penalty free. It’s advised not to, but if you’re worried about putting too much away, don’t let that dissuade you from contributing to the Roth.
I would also suggest a deferent fund in taxable, just to avoid a potential wash sale, especially if you are contributing to both concurrently and need to sell something.
That’s perfect. Max your roth and anything additional u have available toss into a brokerage. I’m proud of you bro best wishes with your marriage💪