Roth IRA - Options other than stocks (1 Viewer)

[skycriesmary]

Looking to make my annual contribution, but not looking to buy stocks when the market is so frothy. Also would rather not hold in money market account in that Roth account. What are others doing? Bonds, treasuries...Looking for creative input.

 

[Dentist]

With the ETF market you can find anything,  metals, real estate investment trusts, commodities  you could seek out international only exposure since the US is frothy,  it isn't that way internationally.  

xtf.com is a great website for looking over the ETF choices in the world... it's flat out nutty what's available that's not stocks

 

[Bucky86]

I have all of mine in the Vanguard Lifestrategy Moderate Growth Fund.VSMGX

 Do you think I should do anything different this year?

 

[skycriesmary]

With the ETF market you can find anything,  metals, real estate investment trusts, commodities  you could seek out international only exposure since the US is frothy,  it isn't that way internationally.  

xtf.com is a great website for looking over the ETF choices in the world... it's flat out nutty what's available that's not stocks

Thanks for the recommendation. I haven't touched ETF's since UCO, SCO, TVIX, etc. I'll do some research tonight...

 

[Peyton Marino]

u gotta get some bitcoin fam

 

[tri-man 47]

I wouldn't shy away from equities ...a simple, low-fee index fund.  Maybe select one with a good dividend yield.  I wouldn't have predicted the growth over the past few months.  Who knows if it will continue or not.  I thought about some movement to bonds, but with slightly rising interest rates, that's not too attractive. 

Do you do a one-time, annual contribution vs. a steady amount every month or quarter?  The latter gives you more confidence, of course, for dollar-cost averaging.  In any case, as a long-term IRA, I'd still lean toward equities and play for the long haul.

 

[skycriesmary]

I wouldn't shy away from equities ...a simple, low-fee index fund.  Maybe select one with a good dividend yield.  I wouldn't have predicted the growth over the past few months.  Who knows if it will continue or not.  I thought about some movement to bonds, but with slightly rising interest rates, that's not too attractive. 

Do you do a one-time, annual contribution vs. a steady amount every month or quarter?  The latter gives you more confidence, of course, for dollar-cost averaging.  In any case, as a long-term IRA, I'd still lean toward equities and play for the long haul.

One-time contribution. Yeah, I would agree that equities are the way to go long term but I hate putting money into them now when a good correction has to be coming in the next year or two. I know, you can't time the market, yada yada yada. 

 

[Doctor Detroit]

Rosland Financial????

 

[The Dreaded Marco]

I wouldn't shy away from equities ...a simple, low-fee index fund.  Maybe select one with a good dividend yield.  I wouldn't have predicted the growth over the past few months.  Who knows if it will continue or not.  I thought about some movement to bonds, but with slightly rising interest rates, that's not too attractive. 

Do you do a one-time, annual contribution vs. a steady amount every month or quarter?  The latter gives you more confidence, of course, for dollar-cost averaging.  In any case, as a long-term IRA, I'd still lean toward equities and play for the long haul.