I expect to get the first disbursement from my mother’s thrift plan with in the next week. I plan on using the money to fund my Roth IRA, and then to fund a Roth IRA for my wife. The payments will start at about $1300, so in about 6 or 7 months, both IRAs should be maxed for the 2005 tax year. I have been racking my brain in how to fund these. Since I already have my 401k built from S&P500, International, Royce Low Price stock fund, S&P Mid-Cap, and company stock. I want to build the Roth IRAs with funds I don’t have access to in my 401k. Generally more aggresive index funds. What I am currently looking at are:

iShares Dow Jones US Real Estate (IYR)
iShares S&P SmallCap 600/BARRA Growth (IJT)
iShares MSCI Emerging Markets Index (EEM)
iShares Dow Jones Select Dividend Index (DVY)

Each of these funds seems to have done well against the S&P 500. So hopefully they will continue to do well over the long run.

Currently, I have invested $1000 into the IYR, and $500 each into the DVY, and EEM within the Roth. So in my Roth I plan to add $500 to the IYR, add $1000 to both the DVY, and the EEM. And invest $1500 into the IJT. This will bring the total invested into each of these funds to an even $1500.
My wife doesn’t currently have a Roth IRA, so I will have to get her to open one.