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This is a brief summary / walk-through how I re-balance my wife’s and my Roth IRA portfolio annually.

2014’s contribution limits are $5,500.00 per individual. So it’ll total $11,000 between husband and wife.

I’ve simplified my investment portfolio beginning in 2013 to Vanguard ETF / Index / Mutual funds:

MSCI US Broad Market Index
MSCI All Country World
MSCI US Small Cap Value
VTSE Emerging Market Index

They have ETF and Admiral share equivalents.

VTSAX VTI
VTIAX VXUS
VSIAX VBR
VEMAX VWO

Spreadsheet:

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LEARN MORE ABOUT: IRA Accounts

INVESTING IN A GOLD IRA: Gold IRA Account

INVESTING IN A SILVER IRA: Silver IRA Account

REVEALED: Best Gold Backed IRA

If you’re looking for a simple and cost-effective way to invest in your retirement, then a Roth IRA is a great option. It’s a retirement account that allows you to invest your money tax-free, so you can enjoy the benefits of compound interest without having to pay taxes on your earnings. And if you’re looking for a way to allocate your Roth IRA investments for free, then Vanguard is the perfect choice.

Vanguard is a popular online broker that offers a wide range of investment options, including index funds. Index funds are a type of mutual fund that track a specific market index, such as the S&P 500. By investing in index funds, you can diversify your portfolio without having to actively manage it. And the best part is that you can do it for free through Vanguard.

To get started, you’ll need to open a Roth IRA account with Vanguard. Once you’ve done that, you’ll be able to choose from a variety of index funds. Vanguard offers a variety of index funds, including US stocks, international stocks, bonds, and commodities. You can also choose from a variety of different fund types, such as ETFs, mutual funds, and target-date funds.

Once you’ve chosen your index funds, you’ll need to decide how to allocate your investments. Vanguard offers a variety of asset allocation tools to help you determine the best mix of investments for your goals. You can also use Vanguard’s free online calculator to determine how much you should invest in each fund.

Once you’ve decided on your asset allocation, you’ll be ready to start investing. Vanguard makes it easy to invest in index funds, as you can buy and sell them directly through their website. You can also set up automatic investments, so you can invest regularly without having to manually buy and sell funds.

By investing in index funds through Vanguard, you can enjoy the benefits of diversification without having to actively manage your investments. And since you can do it for free, it’s a great way to get started with investing in your retirement. So if you’re looking for a simple and cost-effective way to invest in your retirement, then a Roth IRA with Vanguard is a great option.