Re: Once Roth is Maxed out...
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I was thinking about opening a Vanguard targeted retirement date fund with the extra money.
Is this a good option, even if I'm taxed on it?
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Yeah. This is the fund I own in my Roth anyway.
Also, to re-iterate what other posters have said, I don't believe you can max out a traditional as well as a Roth in the same year. If it has the "IRA" tag on it, it's $4k max. ($5K next year). I believe you could do any combination though. Such as 2 in a traditional, and 2 in a Roth but it can only add up to 4.
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