After maxing out 401k where do you put after-tax cash savings?

[Anonymous]

Brokerage account? I am doing individual stocks and ETFs but sometimes its hard to find good entry points

[Anonymous]

We put ours into our IRAs after 401k (we get a match on all 401k contributions so it makes sense to put our money there first), then we put it towards our kids' college education. If we have left over after that, we usually add it to a mutual fund that we have.

[Anonymous]

Brokerage account, into low fee ETFs.

[Anonymous]

IRA, then index funds and savings bonds.

[Anonymous]

IRAs, 529, then into low-cost Vangurd index fund via brokerage account. Sometimes we'll buy individual stocks, but that is a tiny percentage of our portfolio.

[Anonymous]

Baxk door roth

[Anonymous]

Google VTCLX. That's where it all goes. That account is now worth more than our house.

[Anonymous]

Brokerage account. We meet annually with our financial advisor to look at balancing, etc.

[Anonymous]

Vanguard mutual funds.

[Anonymous]

Anonymous wrote:Vanguard mutual funds.

+1.

Do you have kids? 529's are a good place to park some of it. Besides 529's and retirement, we put most of the rest in Vanguard mutual funds.

[Anonymous]

Anonymous wrote:Brokerage account, into low fee ETFs.

This, and 529s.

[Anonymous]

after both 401(k)s maxed, max out ROTH IRA (backdoor), then $1200/mo in taxable index funds, $1000/mo to a 529, and around 900/mo in an online savings account.

[Anonymous]

Annuity for additional income in retirement. Set it so that you get an income stream starting at a certain age.

[Anonymous]

Real estate.

We don't do well with stocks and have plenty in our 401K. We've been much more fortunate with real estate investments.

[Anonymous]

As previously mentioned, a back-door Roth. This is a (legal and commonly used) loophole that lets even high-income households put money in a Roth, by first putting it in a nondeductible IRA and then shifting it to a Roth. See e.g. http://www.bogleheads.org/wiki/Backdoor_Roth_IRA, https://personal.vanguard.com/us/insights/article/ira-insights-roth-112014, http://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html