Today on Your Money, Your Wealth podcast number 368, Joe and Big Al, are asked to provide a simplistic way of framing how difficult it is, statistically and practically speaking, to time the market.

Let's see if they succeed.

Plus, backdoor Roth versus Roth conversions, rules, limits, and strategies for 401K and IRA contributions, moving retirement money between custodians

like Vanguard and Fidelity, and some negative but very entertaining listener comments.

But first, should a $100,000 inheritance be invested in tax-deferred, taxable, or tax-free

accounts, and what factors should be considered when choosing large cap value funds. Visit Your Money,

your Wealth.com and click Ask Joe and Al on air to send in your money questions. I'm producer Andy

Last and here are the hosts of Your Money, Your Wealth, Joe Anderson, CFP, and Big Alcopine CPA.

We got a voicemail. Can we play that?

Hey guys, this is Craig up in the mountains outside Seattle. I called you before. Still drinking the Jameson castmate stout. Try it if you haven't yet.

Anyway, so I'm pretty heavily weighted toward value in my overall portfolio, very high risk tolerance, mostly small cap value, but my second largest exposure is large cap value. And right now, all of that is in VTV across my Roth IRAs and my brokerage

account. Looking at where I can increase exposure to large cap value and diversify away from

just VTV. And so I'm looking at Invesco's RPV.

I'm looking at Spiders, large cap value fund,

SPYV, I believe.

And then looking at Vanguard's V-O-N-V and V-Y-M.

V-Y-M is their high-dividend yield, large-cap value, and V-O-N-V-V-N-, and VONV is that are pretty vanilla.

One, 98% of VTV is already in VONV, so I would be doubling up there, which is fine.

There's a reason I'm in VTV.

But really looking at what factors you would recommend I look at more than others.

Is it total amount of assets?

Is it PE?

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