Search found 6133 matches

by ruralavalon
Tue Jun 30, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Making the most of fund choices in 401K
Replies: 4
Views: 200

Re: Making the most of fund choices in 401K

Welcome to the forum :) . How much is the student debt, and what is the interest rate? What are the relative sizes of the four accounts? Like this: his Roth IRA xx% his 401k xy% her 401k yy% her Roth IRA yz% total = 100% What (in dollars) are you contributing to each account? What (in dollars) is th...
by ruralavalon
Tue Jun 30, 2015 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 52
Views: 7470

Re: As a couple in late 30s, how bad are we doing?

ruralavalon, thank you. So my selection for stock fund should be Dreyfus Stock Index Svc. I look at my options for international fund and all of them have 1% and higher expense ratio, except: DWS International VIP A (0.98)(2 Morningstar Rating) DWS Global Income Builder VIP A (0.60)(4 Morningstar R...
by ruralavalon
Tue Jun 30, 2015 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 52
Views: 7470

Re: As a couple in late 30s, how bad are we doing?

And speaking of portfolio... you might want to read up on how to create a diversified portfolio. Most bogleheads are proponents of having a well diversified yet simple portfolio that is inexpensive (i.e. low expense ratio). You could achieve this by spreading your investments among as few as three ...
by ruralavalon
Tue Jun 30, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: New, Looking for Retirement Advice
Replies: 17
Views: 2787

Re: New, Looking for Retirement Advice

In terms of the different share classes, it's just a matter of the employer choices from current vs. previous employers. The previous employers' ERs are much better, so trying to continue taking advantage of those. You hadn't previously said that you had both an old and a current 401k. You are corr...
by ruralavalon
Tue Jun 30, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 52
Views: 7470

Re: As a couple in late 30s, how bad are we doing?

Dreyfus Stock Index Svc (0.53) Fidelity VIP Contrafund Init (0.64) Fidelity VIP Equity-Income Init (0.56) Fidelity VIP Growth & Income Init (0.59) Fidelity VIP Growth Init (0.66) Franklin Income Securities CI2 (0.72) Franklin US Government CI2 (0.75) On my 401K site they don't show the tickers ...
by ruralavalon
Tue Jun 30, 2015 8:44 am
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 52
Views: 7470

Re: As a couple in late 30s, how bad are we doing?

How much are you able to contribute to each account? In his 401k are Fidelity Spartan funds offered? In her 401k, can you please give full names and tickers for these funds? DRF STOCK INDEX (0.53) FID VIP CONTRAFUND (0.64) FID VIP EQUITY INC (0.56) FID VIP GR&INC (0.59) FID VIP GROWTH (0.66) FRK...
by ruralavalon
Tue Jun 30, 2015 8:19 am
Forum: Investing - Help with Personal Investments
Topic: First Job, First 401k Help!
Replies: 5
Views: 599

Re: First Job, First 401k Help!

BogleBooger wrote:Thank you for the response ruralavalon.

If I were to add a taxable account down the line, would you recommend staying with the three-fund approach but adding in total stock market index or a small cap index? maybe both?

I would add Vanguard Total Stock Market Index Fund.
by ruralavalon
Mon Jun 29, 2015 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: New, Looking for Retirement Advice
Replies: 17
Views: 2787

Re: New, Looking for Retirement Advice

In the taxable account, with your tax bracket of 33%, you would probably be better off to use Vanguard Intermediate Term Tax Exempt rather than total bond in that account. For some reason in other accounts you list three different share classess for the total bond market fund, and list two different...
by ruralavalon
Mon Jun 29, 2015 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: What stocks have you been buying recently and why? Or are you holding off on buying until Greek crisis settles?
Replies: 21
Views: 1835

Re: What stocks have you been buying recently and why? Or are you holding off on buying until greek crisis settles?

Welcome to the forum :) . I don't buy individual stocks, only mutual funds. I am still reinvesting dividends and gains in all my stock funds -- Vanguard Total Stock Market Index Fund Vanguard Total International Stock Market Index Fund Vanguard Small Cap Value Index Fund Vanguard REIT Index Fund Is ...
by ruralavalon
Mon Jun 29, 2015 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Save Excess Budget Each Month?
Replies: 8
Views: 1104

Re: Where to Save Excess Budget Each Month?

Also, my 401(k) options are not low-cost, but I do like the performance of American funds. I believe my expense ratio for new perspective is 1.55%. How long do you expect that you might be with this employer? If you expect to be with this employer permanently or indefinitely, with that sort of ER a...
by ruralavalon
Mon Jun 29, 2015 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Save Excess Budget Each Month?
Replies: 8
Views: 1104

Re: Where to Save Excess Budget Each Month?

Also, my 401(k) options are not low-cost, but I do like the performance of American funds. I believe my expense ratio for new perspective is 1.55%. How long do you expect that you might be with this employer? If you expect to be with this employer permanently or indefinitely, with that sort of ER a...
by ruralavalon
Mon Jun 29, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: 401k and high er fees
Replies: 8
Views: 514

Re: 401k and high er fees

Suggest that her company consider using --
Employee Fiduciary, http://www.employeefiduciary.com
OR
Vanguard.
by ruralavalon
Mon Jun 29, 2015 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellington Fund
Replies: 26
Views: 2738

Re: Vanguard Wellington Fund

Welcome to the forum :) . Congratulations on your retirement. I am 62, retired and have substantial investments in a 60/40 stocks/bonds mix. I have about 200,000 to roll over from a 401k and am considering the Vanguard Wellington fund. Is this a good move or should I be looking at Vanguard index fun...
by ruralavalon
Mon Jun 29, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, New Funds. Yay!!!
Replies: 12
Views: 2395

Re: New Job, New Funds. Yay!!!

Example portfolio # 2. (30% bonds; 15% international stocks) Here is another example portfolio to consider. The asset allocation is about: 30% bonds; 15% international stocks; and 55% domestic stocks. Total portfolio = $94k. Annual contributions = $51.5k. The percentages on the left are meant to in...
by ruralavalon
Mon Jun 29, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on my 401k choices and retirement planning
Replies: 9
Views: 983

Re: Opinion on my 401k choices and retirement planning

Asset allocation. Age: 31 Desired asset allocation: 90% stocks, 10% bonds Desired International allocation: minimal (prefer an S&P500 index fund). The reason for this is I believe in the idea that buying the S&P500 index already gives you a significant exposure to an international investmen...
by ruralavalon
Mon Jun 29, 2015 8:07 am
Forum: Investing - Help with Personal Investments
Topic: 31 and just starting out, could use help!
Replies: 5
Views: 1104

Re: 31 and just starting out, could use help!

Welcome to the forum :) . That was a good choice for your reading material. It's great to see that you are debt free, that's always a good starting point for investing. It's awesome that you have no student debt. Asset allocation. Age: 31 . . . . . Desired Asset Allocation: 85%/15% w/ ~30% internati...
by ruralavalon
Mon Jun 29, 2015 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Just about there...
Replies: 16
Views: 3021

Re: Help this Newb Out :)

Alright, we got the list of her 401k options and I am not impressed. Looks like Mass Mutual manages the 401k. Should we invest? If so, what would you recommend. Here are the options. . . . . . That's it. Not the best but perhaps the tax deferral plus the company providing 3% of her salary no matter...
by ruralavalon
Mon Jun 29, 2015 6:30 am
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 52
Views: 7470

Re: As a couple in late 30s, how bad are we doing?

countofmc, this is very true. We bought our home in early 30s and basically wiped out our saving at that time. That's why I am scratching my head every time I read on the internet that people managed to buy a house, paying for mortgage and still have hundreds of thousands dollars in investment/savi...
by ruralavalon
Sun Jun 28, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Just started first real job, need financial advice!!!!
Replies: 10
Views: 1392

Re: Just started first real job, need financial advice!!!!

Welcome to the forum :) . Your boss gave you good advice about opening an IRA, since there is no match in the 401k. What is your marginal tax rate, both federal and state? About how much per month can you put toward saving/investing/debt payments? With the student debt at 6-7%, you should put a larg...
by ruralavalon
Sun Jun 28, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: No gain in 9 months of investment
Replies: 23
Views: 4267

Re: No gain in 9 months of investment

Hello every one. I am new for investment and just started with the 3 best vanguard funds as: 40% in total stock, 50 % in total bond market and 10 % in total international stock. It has been over 9 month so far, but my asset is usually negative by 2+ % . I have some money on my checking account and ...
by ruralavalon
Sun Jun 28, 2015 11:59 am
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 17
Views: 3715

Re: ? Portfolio for older couple

Ruralavalon, Please help me better understand your statement "but a loss of tax efficiency" in your reply. Am not challenging it, but rather trying to better understand exactly what you mean. 95% of my retirement is in tax-advantaged accounts with the remainder in taxable accounts right n...
by ruralavalon
Sun Jun 28, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: New, Looking for Retirement Advice
Replies: 17
Views: 2787

Re: New, Looking for Retirement Advice

Should I be moving our 401(k) and/or IRA investments all over to bonds, and keeping the stocks in taxable accounts? Yes that's a good idea to put bonds in the tax-protected accounts. In the taxable account sell the current holdings and use these tax-efficient funds: Total Stock Market Index (VTSAX)...
by ruralavalon
Sun Jun 28, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 52
Views: 7470

Re: As a couple in late 30s, how bad are we doing?

OP, check both 401k plans and then list what's available--fund name, ticker, and expense ratio. If choices are mostly high cost, then just list the lower cost options. Also list your current holdings. + 1 Please see this for what to include & format: "Asking portfolio questions" . Con...
by ruralavalon
Sat Jun 27, 2015 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4346

Re: are these legit Vanguard reviews?

Here are reports that are much more comprehensive than complaints of just four customers. Vanguard leads everyone in customer satisfaction. "The 38 mutual fund families were divided into four categories: stars, leaders, players, and drifters. The four firms in the Star category had customer loy...
by ruralavalon
Sat Jun 27, 2015 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4346

Re: are these legit Vanguard reviews?

We have been with Vanguard for over 10 years.

There were no problems or delays in transferring all our accounts to Vanguard, and no issues of any kind in any transaction since then.

I would not hesitate to recommend Vanguard to anyone.
by ruralavalon
Sat Jun 27, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 52
Views: 7470

Re: As a couple in late 30s, how bad are we doing?

More information is needed in order to give you concrete suggestions. How much are you contributing to each 401k? How much is the employer match in each 402k, if any? How much are you contributing to the IRAs? (All in dollars please.) At your stage, the most important thing you can do is make your s...
by ruralavalon
Sat Jun 27, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, New Funds. Yay!!!
Replies: 12
Views: 2395

Re: New Job, New Funds. Yay!!!

My Roth IRA is set up with Vanguard 2050 Retirement Fund (VFIFX)....because I was too lazy at the time to pick funds. Is this too aggressive? I do think that is too aggressive. But the main thing is that you could better use a low ER stock index fund there, such as Vanguard Total International Stoc...
by ruralavalon
Sat Jun 27, 2015 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 52
Views: 7470

Re: As a couple in late 30s, how bad are we doing?

Welcome to the forum :) . It's good to see that you have no credit card debt, or other consumer debt. I have no idea if you are doing well or not for California. Late 30's is a little bit of a late start, but not too late to put together a workable plan. Consider an asset allocation in the area of 7...
by ruralavalon
Sat Jun 27, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 17
Views: 3715

Re: ? Portfolio for older couple

I'm back again and still thinking (and maybe overthinking) about our portfolio. Still thinking about 1) a reduction in the overall asset allocation from 50/50 stock/bond ratio to a 40/60 ratio, 2) to reduce the over-weight in the REIT index fund, and 3) to make it easier to maintain the 40/60 ratio...
by ruralavalon
Sat Jun 27, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review/help, thanks...
Replies: 3
Views: 442

Re: Portfolio review/help, thanks...

Welcome to the forum :) . It's good to see that you have no credit card debt or other consumer debt. In my opinion your desired asset allocation of 80/20 stocks/bonds is within the range of what is reasonable. I think you can simplify your portfolio and significantly save on investing expenses. I th...
by ruralavalon
Fri Jun 26, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 235
Views: 14377

Re: What ratio are you stocks/bonds and how old are you?

joebh wrote:70% equities
30% non-equities

60 years old and retiring next week.

Congratulations on your imminent retirement :D .
by ruralavalon
Fri Jun 26, 2015 11:12 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 4571

Re: Did 2008 change your investing strategy?

Yes it did change.

We had a 65/35 asset allocation in 2008, age 62. By December 2008 the market had changed us to about 40/60. We sold some Treasury STRIPS to buy stock index funds and put the asset allocation at 50/50, where we have kept it ever since.
by ruralavalon
Fri Jun 26, 2015 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Would you move your 401k to new employer?
Replies: 10
Views: 992

Re: Would you move your 401k to new employer?

Transferring the old 401k into the new 401k does not destroy the ability to do a backdoor Roth, it preserves that ability.
by ruralavalon
Fri Jun 26, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: New to investments
Replies: 12
Views: 997

Re: New to investments

Alright guys I am 30 years old and completely new to investments. I am married with one child and I am the only one working so I do not have a lot of cash sitting around to invest. I have about $1,000 that I want to invest in long term stocks. I am looking for stocks that use DRIP method. Plz point...
by ruralavalon
Fri Jun 26, 2015 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Green, read Bogle's book, loved it. Need some opinions.
Replies: 4
Views: 755

Re: Green, read Bogle's book, loved it. Need some opinions.

Welcome to the forum :) . In my opinion your 80/20 asset allocation is within reason. In my opinion a minimum of 20% of stocks in international stocks would be reasonable. What low expense ratio bond funds are offered in your 403b? Are you contributing the maximum $5.5k per year to your Roth IRA? If...
by ruralavalon
Fri Jun 26, 2015 8:04 am
Forum: Investing - Help with Personal Investments
Topic: New to investments
Replies: 12
Views: 997

Re: New to investments

Welcome to the forum :) .

For $1,000 open an IRA at Vanguard and buy either a Target Retirement Fund or the STAR fund. Set up a modest automatic contribution.

Is there a 401k or similar plan offered at work?

Read the "getting started" article on the wiki, link below.
by ruralavalon
Fri Jun 26, 2015 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Would you move your 401k to new employer?
Replies: 10
Views: 992

Re: Would you move your 401k to new employer?

I would transfer the old 401k into the new 401k, to save on the expense ratio and to have one less account to keep track of and manage.
by ruralavalon
Thu Jun 25, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: New, Looking for Retirement Advice
Replies: 17
Views: 2787

Re: New, Looking for Retirement Advice

Welcome to the forum :) . It's good to see that you have no credit card debt or other consumer debt. I do think that a 70/30 stocks/bonds asset allocation is within the range of what is reasonable at age 31. It is a good idea have all of your bond allocation in tax-protected accounts. What are the 3...
by ruralavalon
Thu Jun 25, 2015 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help on my AA plan ?
Replies: 7
Views: 824

Re: Help on my AA plan ?

1) Go ahead and pay off her $10k student debt and the $20k parental loan, using some of that taxable account money. 2) An asset allocation of 75/25 or 70/30 stocks/bonds is reasonable in my opinion. REITs are stocks so count them as part of the stock allocation. I would not hold a cash allocation. 3...
by ruralavalon
Thu Jun 25, 2015 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: First Job, First 401k Help!
Replies: 5
Views: 599

Re: First Job, First 401k Help!

Your desired asset allocation is within the range of what is reasonable, in my opinion. Yes you could use mid cap as your only domestic stock holding. Forum discussion, "Mel's Unloved Mid-Caps Finally Getting Some Respect" . This portfolio could work for you as a start, given your desired ...
by ruralavalon
Thu Jun 25, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on my 401k choices and retirement planning
Replies: 9
Views: 983

Re: Opinion on my 401k choices and retirement planning

Current investing/savings: 15% of paycheck into my company's 401k; they match 6% Of this, 12% is pre-tax and 3% is after-tax* $350 a month into a Vanguard Roth IRA X 12 = $4,200 per year . . . . . I current invest about $16,000/year in my retirements account with my employer adding another $5,000. ...
by ruralavalon
Thu Jun 25, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on my 401k choices and retirement planning
Replies: 9
Views: 983

Re: Opinion on my 401k choices and retirement planning

Is it your suggestion to open a Roth in her name at the expense of my 401k funding or my other, non-retirement investing? Since your taxable account is for purposes other than retirement, I think open and fund her IRA at the expense of reducing contributions to his 401k. I suggest stopping the non-...
by ruralavalon
Thu Jun 25, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 812
Views: 135807

Re: What Book Are You Currently Reading? Part VI

A Short History of Reconstruction , by Eric Foner. Very informative history of Reconstruction beginning with the Emancipation Proclamation in1863 and ending in about 1877. Focuses on the black family, church and social institutions, labor codes, crop failures, railroad expansion and corruption, the...
by ruralavalon
Thu Jun 25, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: 457 Plan: Which provider?
Replies: 8
Views: 906

Re: 457 Plan: Which provider?

. . . I'd like to take advantage of my current employer's somewhat matching of what I would have taken out of my payroll. Right now they only put $75 in as long as I put $75 or more into the 457 per paycheck. . . . The funds offered [in your old 401k] are as good as those offered in your 457, so I ...
by ruralavalon
Thu Jun 25, 2015 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio question
Replies: 11
Views: 1526

Re: Portfolio question

1. News has all about bond market crash. Is this bond fund likely to crash? The bond market is unlikely to "crash", any dip in the bond market is likely to be small and temporary. 2. Would you recommend a 4% stop loss on all funds, especially during the first year or two of investment? No...
by ruralavalon
Wed Jun 24, 2015 8:50 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 235
Views: 14377

Re: What ratio are you stocks/bonds and how old are you?

In spite of all the great advice here about recency and market timing I notice on this board that peoples percentage in stocks is lots higher than it was back in 2009. Here is data on the percentage of stocks from 2007 & 2011, " % Stocks vs Age" . Not only are Bogleheads' stock alloca...
by ruralavalon
Wed Jun 24, 2015 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Only contribute to the match?
Replies: 12
Views: 1335

Re: Only contribute to the match?

@ruralavalon the only international stock that I have right now is in my Vanguard target 2060 fund which is 90/10 and 35% of the stock is international. My 401K does offer an S&P 500 index, how should I change my percentages with how I have the 401(K) spread out? Change existing balance and fut...
by ruralavalon
Wed Jun 24, 2015 6:47 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 235
Views: 14377

Re: What ratio are you stocks/bonds and how old are you?

tc101 wrote: In spite of all the great advice here about recency and market timing I notice on this board that peoples percentage in stocks is lots higher than it was back in 2009.


Here is data on the percentage of stocks from 2007 & 2011, " % Stocks vs Age".
by ruralavalon
Wed Jun 24, 2015 4:45 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 235
Views: 14377

Re: What ratio are you stocks/bonds and how old are you?

I am 65 and 50/50. I am thinking about modifying this to something that changes yearly, like age minus 10 in bonds. . . . . . How old are you, what percent are you in stocks, and why? Both age 70. Retired for 4 years. 50% stocks, 50% bonds. Unchanged the last 7 years, plan to stay at this allocatio...
by ruralavalon
Wed Jun 24, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Only contribute to the match?
Replies: 12
Views: 1335

Re: Only contribute to the match?

After going through my company 401(K) plan and dismissing most of the funds available due to expense I decided I am going to go with a 90/10 with 60% vanguard Mid Cap / 30% Vanguard Small Cap / 10% Vanguard Total Market Bond. Do any of you more experienced Bogleheads have any insight on this spread...

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