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As long as one of you doesn't mind when the other's account is beating theirs, it shouldn't matter.
If you want your accounts to always be equal, choose the latter.
Newbie
Diversification in roth
Hi another question! My husband and I both work for the postal service-and we are now putting in just the matching amount in our tsps. What I want to know is if we both have to be diversified in our roths. For example we both want index funds-so if I have lets say, a small cap and emerging markets in my roth and my husband does total stock market and a reit in his, is this still considered being diversified or do the four funds have to be in each of our individual roths? Thanks so much-I really appreciate you help!!!
Re: Diversification in roth
As long as one of you doesn't mind when the other's account is beating theirs, it shouldn't matter.
If you want your accounts to always be equal, choose the latter.
Hall of Fame
Re: Diversification in roth
May I suggest that you add individual stocks to your Roth. Pick a few companies that you are familiar with initially and be sure they pay a dividend. All dividends are usually reinvested for free in these types of programs - that means on automatic pilot you will continue to invest every three months regardless of any outside situations. Forget index funds, they only pay once/year. You have great flexibility in a Roth from borrowing tax free to no requirement for required distributions after 70 or so - they make great legacy pass throughs to the next generation - free income my friends.
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