UnThreaded | Threaded | Whole Thread (2) | Ignore Thread Prev | Next
Author: jeffmesmer Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 78165  
Subject: SEP Allocation Questions Date: 5/9/2001 5:26 PM
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Recommendations: 0
I'm 31, and have just opened a SEP IRA, to which I intend to contribute the maximum amount possible *forever* on a monthly basis. I've got a little over 80% in a Total Stock Market Index and just under 20% in a couple of bond indexes, and intend to inch toward the bonds as I age. I've Read Bogle's books, and am convinced that this is the solution. I also have a Roth IRA in a strong Mid-cap Growth fund (so far).
The question is this: Am I wrong to forego putting at least 15% of my total SEP assets into a fund that will throw off lots of capital gains (like some kind of value index), or even an income-oriented fund, seeing as all of my appreciation is tax-free? Doesn't it seem like a fundamental advantage of the SEP plan: To use your tax-free growth to the hilt?
Or am I overanalyzing this? Any thoughts?
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Print the post  
UnThreaded | Threaded | Whole Thread (2) | Ignore Thread Prev | Next

Announcements

The Retire Early Home Page
Discussion on accelerating retirement day.
Post of the Day:
Berkshire Hathaway

Should Wal-Mart Fear a CEO With Vision?
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.