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Re: new 401k offerings FSEVX and VFWAX - good for a 3funder

Yes, use both of the new index funds.

Vanguard FTSE All World gives you a much lower expense ratio.

Fidelity Extended Market lets have an easier way to add might/small to your S&P 500, at a much lower expense ratio.
by ruralavalon
Thu Sep 18, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k offerings FSEVX and VFWAX - good for a 3funder?
Replies: 3
Views: 161

Re: 41 y.o. asking for portfolio advice

Welcome to the forum :) . Congratulations on the birth of your daughter. In my opinion your desired asset allocation is reasonable. You are allowed to fund her IRA contributions from your income. Be sure to do that, you could certainly benefit from some more tax-protected investing. Do move her IRA ...
by ruralavalon
Thu Sep 18, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 41 y.o. asking for portfolio advice
Replies: 4
Views: 830

Re: Will Bill Gross beat the Total Bond Market Index?

Call_Me_Op wrote:I have no problem with active funds - as long as their expenses are comparable to index funds.

Ditto.

In fact I bought Vanguard Intermediate Term Investment Grade Admiral, ER 0.10%, assuming that it was an index fund just because of the expense ratio. How embarrassing is that?
by ruralavalon
Thu Sep 18, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 38
Views: 3696

Re: Random Contributions

Thanks for the responses. I do have a 6-month EF sitting in an online savings account. Since I'm in the "accumulation phase" of investing I'll continue to throw all the extra in VTSMX (which is inside my Roth IRA). After I max out 2014, I'll open a taxable account with the same fund and t...
by ruralavalon
Thu Sep 18, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Random Contributions
Replies: 12
Views: 804

Re: What Book Are You Currently Reading? Part V

If you like books about exploration and the limits of human endurance, I recommend very highly "In The Kingdom Of Ice" by Hampton Sides which gives the history of the doomed Jeanette Artic Expedition of 1879. It does a good job of setting the historical, political, and scientific context ...
by ruralavalon
Thu Sep 18, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3351
Views: 1148759

Re: What's in your tax advantage accounts?

:annoyed I don't make any distinction between pre-tax (401k) and post-tax (Roth) accounts, as I'm not that sophisticated. I am not sophisticated enough either. But are there some funds better to be placed in the Roth and some better in 401k? would you (or someone) be able to share some examples of t...
by ruralavalon
Thu Sep 18, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 35
Views: 1892

Re: Portfolio questions

My suggestion would be an asset allocation in the area of 60-70% stocks and 30-40% bonds. In the area of 20-40% of stocks in international would be reasonable, in my opinion. Here is an example portfolio using 65% stocks and 35% bonds, with 20% of stocks in international, as an illustration of what ...
by ruralavalon
Wed Sep 17, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 8
Views: 727

Re: How often do YOU rebalance and when?

I'm not too organized, rebalance erratically whenever something is out of line from basic stock/bond allocation, and try to look at this once per year sometime around the start of the year. I watch the REIT allocation more frequently.

I believe I read someplace that every 2 years is better.
by ruralavalon
Wed Sep 17, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1830

Re: 3 fund w/Fidelity

Yes, those are the correct Fidelity funds to use for a three fund portfolio.
by ruralavalon
Wed Sep 17, 2014 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund w/Fidelity
Replies: 7
Views: 768

Re: Help w/ Wife's Poor 401k Options

Just go with the three low expense Spartan stock index funds, buy your low expense bond find allocation elsewhere.

Don't buy a high expense fund, or even a moderate expense fund, unless it's truly necessary.
by ruralavalon
Wed Sep 17, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ Wife's Poor 401k Options
Replies: 8
Views: 531

Re: Random Contributions

I never had a set dollar amount that I contributed every month, my income was very erratic and sometimes varied by 400% from one month to the next.

I tried to set investing at a percentage of every month's earnings, but in practice I would invest whatever amount I could each month.
by ruralavalon
Wed Sep 17, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Random Contributions
Replies: 12
Views: 804

Re: What Book Are You Currently Reading? Part V

The Rise of Mutual Funds , by Matthew P. Frink. The author was with the Investment Company Institute, representing the mutual fund industry before Congress and the SEC, from 1971 through 2004. The book is an interesting, primarily first hand, account of how mutual funds came to be how they are, and...
by ruralavalon
Wed Sep 17, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3351
Views: 1148759

Re: Portfolio Evaluation in Preparation for Large Settlement

Welcome to the forum :). Tips on handling windfall -- 1. Take your time, there is no rush; 2. educate yourself, read this wiki article "Bogleheads® investment philosophy" , and try one or two of these books: "Suggested Reading" ; 3. formulate a plan, decide on a desired asset all...
by ruralavalon
Wed Sep 17, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation in Preparation for Large Settlement
Replies: 4
Views: 424

Re: Should I roll over my 58 year old mom's 401k?

The expense ratios of her new 401k are pretty good, which is why I think I should try to rollover the old 401k there first instead of to an IRA: 40% - Fidelity Spartan 500 Index Fund Institutional Class (FXAIX) - 0.02% ER 5% - Vanguard Total International Stock Index Fund Institutional Shares (VTSN...
by ruralavalon
Tue Sep 16, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 804

Re: Portfolio questions

Welcome to the forum :) . You have some very nice low expense index fund choices offered in your 401k, you are fortunate. Based on the funds you are using, you already understand the importance of low expenses in investing. That's half the battle right there. Age: 45 Desired Asset allocation: 80% st...
by ruralavalon
Tue Sep 16, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 8
Views: 727

Re: Do I need to hold my emergency fund in cash?

I've kept an emergency fund of roughly six months expenses held in a savings or MM account ever since I started working and set up my finances. Looking back on that now, though, the tiny returns on cash have been a real drag on my portfolio. Do I even need a separate cash allocation for emergencies...
by ruralavalon
Tue Sep 16, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to hold my emergency fund in cash?
Replies: 29
Views: 3026

Re: How to add to my portfolio monthly without crazy fees

Move this Roth IRA to Vanguard. Call Vanguard and they will help you do this. Since you intend to use Vanguard funds there is no reason to have the account anywhere else, and this avoids that per transaction fee. You can use the STAR fund or any of the Target Retirement funds to start ($1k initial m...
by ruralavalon
Tue Sep 16, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 31
Views: 1811

Re: After Roth IRA : Next Step In Investing

LouisJxn wrote: Not sure about the 403(b)/457. I'll have to look into that.

If eligible for a 403b or 457, then thats the next place to invest. So if eligible let us know if there is an employer match and the funds offered (fund names, tickers & expense ratios) in each.
by ruralavalon
Tue Sep 16, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Roth IRA : Next Step In Investing
Replies: 7
Views: 405

Re: Should I roll over my 58 year old mom's 401k?

Its mostly a matter of comparing the fund choices offered and their expenses. So for an answer to your question you will need to list the fund choices (fund names, tickers & expense ratios) offered in each 401ks. 1. If the old 401k has a good selection of low expense mutual funds and permits cha...
by ruralavalon
Tue Sep 16, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 804

Re: How much you need to save as multiple of salary

. . . . . For living expenses of 40k a year, you need to save roughly a million dollars by retirement age unless you want to move in with your kids! http://www.cnbc.com/id/101724231 I think that it is better to set a target amount first and then calculate what percentage to save of your income to s...
by ruralavalon
Tue Sep 16, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6164

Re: Equity Allocation Review

Looks well diversified in my opinion. That's 24 funds, so probably lots of unnecessary overlap and duplication. You say its "mostly in taxable accounts". I would not make any suggestions about fund changes, without knowing what's in tax protected accounts, what's in taxable, and the gain/l...
by ruralavalon
Mon Sep 15, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Equity Allocation Review
Replies: 8
Views: 454

Re: Investment advice for a young beginner

Unless your employer offers a 401k with a match, open a Roth IRA at Vanguard and start by using Vanguard LifeStrategy Growth Fund, VASGX.

Read the "Bogleheads' Investment Philosophy" on the wiki, and a book from the "Books and Authors" link there.
by ruralavalon
Mon Sep 15, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a young beginner
Replies: 4
Views: 297

Re: Active v Index Fund Performance

Welcome to the forum :) . Its not impossible for a managed fund to outperform the S&P 500 fund. Its just very unlikely. Its easy in hindsight to pick out a better performing fund over the last 30 years. American Funds Growth Fund of Amer A AGTHX vs Vanguard 500 Index Admiral VFIAX , $399k vs $30...
by ruralavalon
Mon Sep 15, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Active v Index Fund Performance
Replies: 5
Views: 395

Re: Feeling smug until 10 year ROR from Vanguard

50/50 asset allocation

9.1% last 5 years

7.6% since inception (last 9.75yrs)
by ruralavalon
Mon Sep 15, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 78
Views: 6939

Re: What's in your tax advantage accounts?

Roth IRAs, small cap value.

Taxable, total international.

Rollover trad. IRA, bonds, REIT, total stock market.
by ruralavalon
Mon Sep 15, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 35
Views: 1892

Re: Time + Savings Rate > Asset Allocation

Starting early is important.

Early in investing a high savings rate is the most important factor (under your control) in portfolio growth.

Low expenses are always an important factor in portfolio growth.

Later asset allocation is the more important factor.
by ruralavalon
Mon Sep 15, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Time + Savings Rate > Asset Allocation
Replies: 17
Views: 1585

Re: Portfolio help. How should I invest the cash in my Roth

Welcome to the forum :) . Its great to see that you have no consumer debt. You have some excellent funds offered in both the 401k and the 403b. In your 401k I would not pass up the opportunity to use -- Vanguard Institutional Plus Index Fund VIIIX, ER 0.02%, and Vanguard Total Bond Market Institutio...
by ruralavalon
Mon Sep 15, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help. How should I invest the cash in my Roth IRA?
Replies: 4
Views: 518

Re: Percentage of bond money in foreign bonds

I just ran Vanguards Portfolio watch on my investments. It analyzes your investments. I got one of those "consider" banners. It says this: "Holding more foreign bonds can potentially increase the level of diversification in your portfolio. Allocating up to 20% of your bond portfolio ...
by ruralavalon
Sun Sep 14, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percentage of bond money in foreign bonds
Replies: 8
Views: 776

Re: When should I add funds

Welcome to the forum :) . More information is needed. What is your age? It's hard to assess your asset allocation without knowing how old you are. What is the interest rate on that $94k in student loan? If higher interest, aggressively paying off the loan could be your best investment. What are the ...
by ruralavalon
Sun Sep 14, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: When should I add funds
Replies: 2
Views: 441

Re: What Book Are You Currently Reading? Part V

Light of the Western Stars , by Zane Grey. Set in Southern New Mexico in the early 1900s this story has cowboys, Mexican revolutionaries, out of place Easterners, a British Lord, tall tales told around a campfire, kidnapping, gunfights, murders and a corrupt Sheriff. It even has a comical chapter a...
by ruralavalon
Sun Sep 14, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3351
Views: 1148759

Re: treating all investment accounts as one pool of money

I have read on here before that one should treat all investment accounts as a single pool of money for the purposes of asset allocation. When people say that they are generally referring to retirement savings only. That's when talking about saving and investing for retirement. We used to have two s...
by ruralavalon
Sat Sep 13, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2232

Re: Need advice on which tablet to buy

Original Kindle Fire? Anyone still use one? Or if not, when did you get rid of it and why? As noted in my post before yours, I have an original 8.9" if that fits your definition of "original" which I use most nights for reading books and maybe a little browsing and many mornings for ...
by ruralavalon
Sat Sep 13, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2462

Re: Need advice on which tablet to buy

I have looked at a few previous threads but didn't see anything recent on this. Looking to buy a new tablet. I have the original iPad but having trouble bringing myself to spend much for a new ipad. I use the tablet mostly for: reading web browsing video streaming (mostly Amazon Prime) some childre...
by ruralavalon
Fri Sep 12, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2462

Re: Two Fund real Lazy Portfolio?

Funkey wrote:
avalpert wrote:In what way does it seem to you that the risk factor is reduced?


On Vanguard risk scale total bond market is 2 total stock market is 4 total international stock market is 5.

However, the portfolio as a whole is less risky (less volatile) if it includes all three.
by ruralavalon
Fri Sep 12, 2014 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 20
Views: 2373

Re: Comm of PA 457 or Vanguard IRA?

You have few responses because term two choices are both good. The government 457 will have a higher maximum annual contribution limit, and will allow automatic contributions from your paycheck.The expenses are low, and the fund selections look good. There will be no initial minimum investment requi...
by ruralavalon
Fri Sep 12, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Comm of PA 457 or Vanguard IRA?
Replies: 11
Views: 854

Re: Two Fund real Lazy Portfolio?

Yes that can be done, some people here do just that. It is a diversified portfolio, just not as diversified as including international.
by ruralavalon
Fri Sep 12, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 20
Views: 2373

low expense mobile phone?

I have a Samsung Droid Charge with Verizon service. The phone is paid for, but I want to end the $80/mo. Verizon fee since I use very little phone or data service. I have just bought a tablet for portable computer functions, so don't need a "smart" phone. I would like to switch to a low ex...
by ruralavalon
Thu Sep 11, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: low expense mobile phone?
Replies: 16
Views: 1346

Re: invest in this 401K or not

Expense ratios for funds as offered in a 401k are often different than the expense ratios charged for the same funds when offered elsewhere. Sometimes the ERs in the 401k are higher, sometimes lower. So it's essential to know the ERs as offered in the 401k. Since the ERs for the Vanguard funds in yo...
by ruralavalon
Thu Sep 11, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 975

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

Asset allocation. As I mentioned asset allocation is something that you need to decide, based on what you will feel comfortable with. You need to decide this before selecting accounts to fund or selecting investments to use. Please read the links I provided and decide for yourself what feels right ...
by ruralavalon
Thu Sep 11, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1388

Re: New to investing and need assistance - 401k rollover

In my opinion, its going to be best to transfer the old Wells Fargo 401k into her new 401k at Fidelity, rather than to a rollover IRA. In the new 401k she can get all of the core domestic index funds at expense ratios as low as, or a bit lower than, she could get at Vanguard -- VANGUARD INST INDEX (...
by ruralavalon
Thu Sep 11, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: New to investing and need assistance - 401k rollover
Replies: 9
Views: 555

Re: First post, Investment Questions

Welcome to the forum :) . Don't be nervous, take your time. Your selection of a a book to start is a good one, if interested here are some other book ideas: "Suggested Reading" . Please take a look at these wiki articles: "Bogleheads® investment philosophy" ; "Getting starte...
by ruralavalon
Wed Sep 10, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: First post, Investment Questions
Replies: 31
Views: 1211

Re: Portfolio help for a newbie

Welcome to the forum :) . That's a wonderful employer contribution in her 401k. Questions: 1. Does my portfolio seem reasonable? 2. It seems complicated rebalancing my portfolio with different amounts of contributions adding to different accounts each month. Should I just do it once a year? I am jus...
by ruralavalon
Wed Sep 10, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for a newbie
Replies: 4
Views: 484

Re: New to investing and need assistance - 401k rollover

Can you also list the expense ratios for -- SPTN INTL INDEX ADV (FSIVX) PIM TOTAL RT INST (PTTRX) VANG TOT BD MKT INST (VBTIX) if as low as expense ratios you have Listed so far, then its probably going to be best to transfer the old Wells Fargo 401k into her new 401k at Fidelity, rather than to a r...
by ruralavalon
Wed Sep 10, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing and need assistance - 401k rollover
Replies: 9
Views: 555

Re: Needing help with a Vanguard 401k

Yes those assumptions are all correct if an in-service rollover means the employee is still working for the company I guess I don't know what an in-service rollover is Before my retirement, I did a partial in service rollover from my 401k to a Vanguard IRA. The point was to get low expense funds to...
by ruralavalon
Wed Sep 10, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Needing help with a Vanguard 401k
Replies: 23
Views: 1392

Re: No good bond funds available. Other options?

I am right under under the 28% tax bracket and will probably be there within a few months so wouldn't it be better to use a Roth instead of a Traditional IRA for the personal Vanguard account? Yes, that weighs in favor of using a Roth. "If you expect to be in a higher tax bracket than your cur...
by ruralavalon
Wed Sep 10, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: No good bond funds available. Other options?
Replies: 15
Views: 1324

Re: New to investing and need assistance - 401k rollover

Welcome the forum :) . Some very general answers. Will the new 401k @ Fidelity accept a transfer from an old 402k? She has to check the plan documents for the new plan with her current employer. If so, what are the lowest expense funds offered in the new 401k plan? What Fidelity Spartan funds, if an...
by ruralavalon
Wed Sep 10, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing and need assistance - 401k rollover
Replies: 9
Views: 555

Re: 401k Plan options - picking the best of the worst

Great West Bond Index Fund, ER 0.50% (MXBIX) is a good credit quality, intermediate term bond fund which tracks Barclays U.S. Aggregate Bond Index. That is the same index as tracked by Vanguard's Total Bond Market Index Fund. That fund is good choice.
by ruralavalon
Wed Sep 10, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan options - picking the best of the worst
Replies: 2
Views: 203

Re: I've been going all tax-deferred, considering to go taxa

Yes keep up the tax deductible contributions, don't reduce that.

Trim expenses a bit to start a taxable account.
by ruralavalon
Wed Sep 10, 2014 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3453

Re: $1000 to Invest - Need Help!

While I have people's attention (if anyone is paying attention), I have a question about target date retirement accounts. Mine is set up to be 90% stock, 10% bond - is this too risky? As I mentioned before, I'm young and have little funds in the account (I plan on having $3,000 in the account by th...
by ruralavalon
Wed Sep 10, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: $1000 to Invest - Need Help!
Replies: 17
Views: 1137

Re: invest in this 401K or not

What are the funds offered (fund name, ticker & expense ratio) in the 401k?
by ruralavalon
Wed Sep 10, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 975
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