Saving $20K for an engagement ring by EOY. Should I put it in a dividend ETF to fund the band or is that too risky?

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I have moved all my traditional ira to current company’s 401k plan recently. Can I now do backdoor ira now without worrying about prorata rule? Wondering if I can start backdoor ira conversions immediately or if I need to wait for next tax year.

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Has anyone taken up the Personal Capital investment management service that they offer?

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