A Vanguard Backdoor Roth IRA can help high-income investors access Roth retirement savings even when they exceed the direct Roth IRA income limits. This 2026 guide explains each step, the pro-rata rule, tax traps, Form 8606, and how to complete a Vanguard Roth conversion correctly.
Looking for the best alternatives to SPAXX for uninvested cash? Compare FDLXX, VUSXX, SGOV, USFR, Treasury bills, and high-yield savings accounts to find the right balance of yield, taxes, liquidity, and safety in 2026.
SGOV vs. USFR
SGOV
Short-term Treasury bills
Holds U.S. Treasury bills with maturities of zero to three months. Its 0.09% expense ratio makes it the lower-cost option.
USFR
Floating-rate...