hi,
i just posted this on the beginner's investing board and only recieved one response. Hopefully i can get a little more advice.
i presently have a roth ira in the vanguard 500 index. i also have a traditional ira in tiaa-cref index funds. My wife and i have an adjusted gross income which will no longer allow me to contribute to my roth ira. Therefore, i am being charged a $20.00 annual fee because i am below the $5,000 minimum to avoid this fee. And since i will no longer be able to make contributions, will be charged fees for many years to come. I would like to keep my money in a 500 index, which i don't think tiaa-cref offers. i am considering tranfering my traditional ira from tiaa-cref to vanguard, and then if possible converting my roth ira into a traditional ira, and grouping all the money together into one fund. is this a wise thing to do? and is it possible to do?