[Updated on Nov. 1, 2018 after the IRS published the official numbers.] Retirement plan contribution limits are adjusted for inflation each year. Inflation has come up a bit lately. It's going to ...
Schwab Target Index Funds: Hidden Gems For Your IRA, Solo 401k, or Brokerage Window
With the growth of indexing, Charles Schwab's response is basically "We have them too." They created some in-house index funds and ETFs. The expense ratios on those index funds and ETFs match or ...
Recharacterize IRA Contribution At Vanguard
Financial markets were closed on New Year's Day but I was eager to put in my IRA contribution for the new year. Because my income is likely over the limit for a direct contribution to a Roth IRA, I ...
IRA Recharacterization Illustrated
Some of you weren't so impressed when I drew diagrams to show that an IRA conversion doesn't really convert the IRA itself. It only moves the money from a traditional IRA to a Roth IRA, leaving the ...
Roth IRA Conversion Does Not Really Convert Your IRA
Only until a reader asked me about the mechanics of how to do a Roth IRA conversion did I realize Roth IRA "conversion" is such a misnomer. It doesn't actually convert your IRA. I drew some ...
One-Time Transfer From IRA To HSA: Forget About It
A reader asked me about the once-in-a-lifetime transfer from an IRA to an HSA, officially known as the qualified HSA funding distribution. It's one of those things that just because you can doesn't ...