[TSP_Strategy] 2018 IRA, what to do?

 

I appreciate the thoughts and advice from this group so I thought why not ask for opinions on what to do with my 2018 IRA.    Usually I just throw it into a Vanguard or T. Rowe Roth targeted ret. date fund but for some reason I'm hesitating this year.  Maybe I'm trying to time the market?

The options bouncing around in my head are either:

1.  Standard push into a Roth 2035 or 2040 fund.  (T. Rowe actively managed, Vanguard index IIRC)

2.  Put it on the sidelines in a Roth designated money market or some other safe bet with the expectation that something will sour withe the economy and magically I'll know when to pounce and then buy something.  I have poor instinct on markets and such so I would probably be reading here and elsewhere for the clues on when to take action.

Anything else you'd consider doing?  

Secondly, should I fund this with bank acct or by selling mutual funds and taking a tax hit.

Thanks so much for your thoughts, and FYI the earliest I would retire is 2030.

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Posted by: elstaub@yahoo.com

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