I plan to manage three on line accounts: a Roth for me, a Roth for my wife, and a joint margin brokerage account. After the 1st of the year, we will have enough to fully fund both Roths (4k each to cover 1998 and 1999; we can do that, right?). I plan to use a FF variant for both these accounts reallocated annually. As for the non-IRA account, we have about 24k coming from the surrender of a life insurance contract(boy, am I glad I came across the MF when I did!). I plan to use the UG5 strategy, trading quarterly to reduce trading costs. In addition, we are saving a minimum of $550 a month. I plan to put that into our UG5 portfolio when we make our quarterly UG5 trades. At some point, probably after Jan 1, 2000, we will move funds into the Roths from the UG5 port to keep those babies fully funded and do this annually when we reallocate the Roth FF stocks. Am I over complicating our situation, or does this sound reasonable? My only real concern is the regular saving portion. Is it worth it to put it into the UG5 port only to move a portion of it (4k) into the FF Roths within the same year? Any and all comments are greatly appreciated. By the way, what happened to the impending global economic meltdown I was hearing about almost daily on the news there for awhile?
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