No. of Recommendations: 0
<<With the Roth IRA's now available, should I cut my 401k contributions to
5%, put as much as possible into a self-directed Roth and, if anything is left over, put the rest back
into the 401k?>>

Yes. Go after the company match (take all the free money you can get!), then go after the tax-free growth in the Roth, then capture the balance of the tax-deferred savings.

You might want to change things around to go with an index fund in the 401k, and go for higher growth individual stocks (Keystone, Formula90, UV4, etc.) outside of the 401k.

Regards,
Ray
Print the post  

Announcements

The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.
Advertisement