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Re: Performance Graphs [Help with fund choices]

Don't look at just one thing. Look at ER, diversification, whether it's an index fund, turnover rate, tax-efficiency if it's to be held in a taxable account, reputation of the firm, and at performance only if it's very long term. I did when I made those selections, but not vs the whole Fidelity fam...
by ruralavalon
Thu Nov 27, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Performance Graphs [Help with fund choices]
Replies: 8
Views: 526

Re: Performance Graphs [Help with fund choices]

Don't be too mechanical about fund selection, active vs index. I would prefer Dodge & Cox DODFX over Fidelity International Index FSIVX. FSIVX is not well diversified, it's large companies only in developed markets but omits Canada. DODFX is large companies including both developed and emerging ...
by ruralavalon
Thu Nov 27, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Performance Graphs [Help with fund choices]
Replies: 8
Views: 526

Re: Why should I avoid REITs?

Out of curiosity, I checked the REIT Index Fund performance for the 10 years we have owned the fund. It confirms everyone's comments both pro and con -- low correlation, higher highs, lower lows, and more volatility: VTSAX vs VGSLX @ Morningstar
by ruralavalon
Thu Nov 27, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 33
Views: 2951

Re: student loans vs retirement accounts

-Here are the expense ratios offered in my 401K that I am currently invested in through my employer (Hcare--- although this will change in June 2015). There are other options as well but this is currently where I have my money with this particular account (varying percentages of course) S&P ind...
by ruralavalon
Thu Nov 27, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: student loans vs retirement accounts
Replies: 13
Views: 1322

Re: 27 Yr old with no experience in need of help

I'm glad to hear you are now going to contribute enough to the 401k to get the full match. That is a very good move. Please answer these questions, again by amending your original post. Inherited Ameriprise ONE account (~$35k ). "The Ameriprise ONE Financial Account – a brokerage account with c...
by ruralavalon
Thu Nov 27, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 27 Yr old with no experience in need of help
Replies: 4
Views: 448

Re: 34 year old new to investing - help please

mech_tower As BL points out the list of your funds in the IRA @ Northeastern ML does not include fund tickers, so please add the tickers as well as the ERs.

Also make that sure you include the management fees they charge you in your calculation.
by ruralavalon
Thu Nov 27, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 53
Views: 5228

Re: 34 year old new to investing - help please

34k in IRA . I will incur fees when I transfer the IRA out, so I'll let it be here with NWM. This might be a big mistake. Everyone, BL, Great2bOutdoors, myself, suggested that you transfer the IRA to Vanguard to get lower expenses, and I thought that you were doing that. From your input, it looks l...
by ruralavalon
Wed Nov 26, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 53
Views: 5228

Re: 34 year old new to investing - help please

Vanguard Developed Markets Index Fund Investor Shares (VDVIX) Thank you. I assume instead of Admiral shares, I can go with the Investor Share version of the other ones? Is that "$35k limit" just for the taxable account, so a $68k total limit for both the taxable and IRA accounts togetherl...
by ruralavalon
Wed Nov 26, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 53
Views: 5228

Re: 27 Yr old with no experience in need of help

Welcome to the forum :) . You are right to think in terms of using just 3 or 4 mutual funds. You are wise not to plan on active trading. Do you have an IRA account anywhere? Your marginal tax bracket, both federal and state? What sort of account is the Ameriprise account? Inherited IRA? Taxable acco...
by ruralavalon
Wed Nov 26, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 27 Yr old with no experience in need of help
Replies: 4
Views: 448

Re: 401k self directed brokerage option

There will be fees: a per transaction fee; an annual fee; and often both. A brokerage option can be useful for larger, infrequent transactions which gain you a relatively large reduction in expense ratio. Otherwise the fees can eat up the advantage you hoped to gain by lowering the ERs. Look for any...
by ruralavalon
Wed Nov 26, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k self directed brokerage option
Replies: 5
Views: 250

Re: 34 year old new to investing - help please

Vanguard Developed Markets Index Fund Investor Shares (VDVIX)
by ruralavalon
Wed Nov 26, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 53
Views: 5228

Re: student loans vs retirement accounts

Unless that $50k non-retirement money is earmarked for something specific that is very important, I would suggest using that to pay down the 6.8% student loans. Since the 401k offers "multiple low cost index funds", I believe I would contribute in spite of the absence of a match, perhaps 1...
by ruralavalon
Wed Nov 26, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: student loans vs retirement accounts
Replies: 13
Views: 1322

Re: A New 401k

I don't have any preference for any index funds except to: . . . . . 3. Maintain moderate approach (or midway between moderate and aggressive) . . . . . Age range is thirty five to forty (I hope this is sufficient, this is a public forum) and the federal tax bracket looks to be 28% (joint) and ther...
by ruralavalon
Wed Nov 26, 2014 7:47 am
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 9
Views: 1067

Re: A New 401k

Your age? Tax bracket? Tax filing status? Other accounts, in addition to the two 401ks? Any match in your new 401k? 1) If your old 401k has better low expense ratio funds, it may be best to leave existing investments there. 2) If your new 401k will accept a transfer from the old 401k, and has better...
by ruralavalon
Tue Nov 25, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 9
Views: 1067

Re: Why should I avoid REITs?

There is nothing wrong in owning Vanguard REIT Index Fund in addition to the total market fund. Total Stock Market Index and REIT Index have a correlation of: 74 , and so the REIT Fund provides some diversification benefit thru rebalancing opportunities. Vanguard REIT Index Fund should also provide ...
by ruralavalon
Tue Nov 25, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 33
Views: 2951

Re: need portfolio help, feeling overwhelmed, too many funds

Sorry, I have more questions :( . Taxable (11%) (These aren't held in a brokerage firm. They're bought directly from the listed companies) Do you have taxable accounts at Vanguard, T. Rowe Price & Perkins? In the taxable account what I was looking for was the capital gains or losses (both short-...
by ruralavalon
Tue Nov 25, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: need portfolio help, feeling overwhelmed, too many funds
Replies: 6
Views: 657

Re: need portfolio help, feeling overwhelmed, too many funds

sambb wrote:Put all of your tax deferred money into life strategy growth - which is 80/20 S/B. Close enough to 90/10
Then forget about that money as it grows over the next 20 years

for taxable, there are a lot of options.

iluminess, do you have LifeStrategy type funds available in each account?
by ruralavalon
Mon Nov 24, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: need portfolio help, feeling overwhelmed, too many funds
Replies: 6
Views: 657

Re: need portfolio help, feeling overwhelmed, too many funds

EDIT: added new info from iluminess' 11/24, 9:25PM additions, & percentages in each account. Welcome to the forum :) . You do have too many funds, which overlap/duplicate a lot, and have higher expense ratios than necessary. I am sure its possible to greatly simplify your portfolio, give you be...
by ruralavalon
Mon Nov 24, 2014 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: need portfolio help, feeling overwhelmed, too many funds
Replies: 6
Views: 657

Re: student loans vs retirement accounts

Welcome to the forum :) .

This also depends on how good, or bad, the investment choices are.

What is the quality of the funds offered in the 401k & 403b (fund names, tickers & expense ratios)? If the lists are long, just the 2 or 3 lowest ERs in each category for each plan.
by ruralavalon
Mon Nov 24, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: student loans vs retirement accounts
Replies: 13
Views: 1322

Re: American Funds

Received following information from the adviser: 1. 5.75% front-end load on most, if not all, mutual funds. The adviser did not want to say all because they were not completely sure and are going to look into it further. 2. All AF funds in all classes available. 3. Discounts applied automatically f...
by ruralavalon
Mon Nov 24, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 14
Views: 1934

Re: Are mutual funds bad? SWPPX

SWPPX, Schwab S&P 500 Index Fund, ER 0.09%, is an excellent broadly diversified, low-expense large cap stock index fund. An attractive feature of Schwab index funds for the young investor is itheir very low initial minimum investment. SWSTX, Schwab Total Stock Market Index Fund, ER 0.09%, would ...
by ruralavalon
Mon Nov 24, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Are mutual funds bad? SWPPX
Replies: 13
Views: 1026

Re: Trustee-Broker Disagree over Allocation/Investments

You have no obligation to the broker. You are the trustee and have full authority to direct the investments, including the complete removal of the broker. Follow your own independent judgment which is the proper role of a trustee. Also, you have no obligation to serve as trustee if you don't wish a...
by ruralavalon
Mon Nov 24, 2014 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Trustee-Broker Disagree over Allocation/Investments
Replies: 18
Views: 1456

Re: order of investing?

4) HSAs have no income limits for contributions.

And don't count on not needing medical care, young healthy people can have accidental injuries and can get infections.
by ruralavalon
Mon Nov 24, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: order of investing?
Replies: 19
Views: 1306

Re: Moving current 401k funds into brokerage link?

Here are my new ratios: 53%, US LARGE CAP EQ INDX(.04) 10%, US SM/MID CAP EQ IDX(.05) 27%, HP INTL EQUITY INDEX(.08) 10%, HP CORE BOND INDEX(.06) . . . . . So I'm still a bit confused about how to allocate the large cap and sm/mid cap, based off what you guys told me about raising up the sm/mid a b...
by ruralavalon
Mon Nov 24, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 30
Views: 1569

Re: Get a financial advisor? Retired now

1.Should I move these funds BEFORE I get my year end dividends ? I guess this can be partially answered with another question: Will selling raise our tax bracket? I don't think so. I don't want to sell Balanced Fund now anyway because we bought it less than a year ago. I can sell the others. I don'...
by ruralavalon
Mon Nov 24, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 34
Views: 4887

Re: New job, time to reorganize

Age: 37 Desired Asset allocation: 70% stocks / 30% bonds In my opinion that is a reasonable asset allocation. If you have 30% of stocks in international that would work out to about: 30% bonds; 20% international stocks; and 50% domestic stocks. Are there any consolidation options for my wife 's acc...
by ruralavalon
Sun Nov 23, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: New job, time to reorganize
Replies: 4
Views: 714

Re: Get a financial advisor? Retired now

I apologize in advance for not understanding this very well. When you said put 15% in VTIAX, is that in addition to the $19k that I already have there? If I did the math correctly, that would be $23k more for a total of approx. $42k Also with VTSAX I already have $5k in ETF and $26k. 5% more would ...
by ruralavalon
Sun Nov 23, 2014 7:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 34
Views: 4887

Re: AA: Which BONDS funds to buy?

Its economy has a huge natural resources sector. Skipping Canada is a mistake in my opinion. You also lose small caps in both developed and emerging markets. Thanks, will stick to VTIAX Canada is about 08% or 1/12th of the world-exUS economy, VTIAX portfolio @ Morningstar . It is the 3d largest wor...
by ruralavalon
Sun Nov 23, 2014 5:23 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Which BONDS funds to buy?
Replies: 22
Views: 3918

Re: Moving current 401k funds into brokerage link?

achen9291 wrote:I'm unsure how to answer that question...

but I can do 48 on large cap and 15 on sm/md?

There is somewhere in your plan materials which says what each fund invests in, it may be called a fact-sheet, or it may be a prospectus that you to ask for.
by ruralavalon
Sat Nov 22, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 30
Views: 1569

Re: Get a financial advisor? Retired now

Ages: Him: 66 (delaying s.s. at least one year so far) Her: 62 retired Income: Him $25k per year part time -plan to retire completely in 4 years S.S. will be about $1,500 depending on when he takes it . . . . . Contributions: about $6,500 per year . . . . . My Severance is a 403B acct which I can m...
by ruralavalon
Sat Nov 22, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 34
Views: 4887

Re: New job, time to reorganize

I'm still a little confused on the accounts. Why two Roth IRAs at Vanguard for her? How much of the capital gains listed in the taxable accounts for each fund are long-term, and how much for each fund are short-term? Long-term gains taxed based on your top marginal income tax rate: 15% if you're in ...
by ruralavalon
Sat Nov 22, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job, time to reorganize
Replies: 4
Views: 714

Re: Moving current 401k funds into brokerage link?

achen9291 wrote:Here are my new ratios:

53%, US LARGE CAP EQ INDX(.04)
10%, US SM/MID CAP EQ IDX(.05)
27%, HP INTL EQUITY INDEX(.08)
10%, HP CORE BOND INDEX(.06)


What index does each fund track?

You might want to increase the mid/small allocation a bit, depending on which domestic stock indexes are being used.
by ruralavalon
Sat Nov 22, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 30
Views: 1569

Re: New job, time to reorganize

Welcome to the forum :) . It's good to see that you have no debt. I think that your desired asset allocation of 70/30 is reasonable. I'm a bit confused about the accounts you have. What exactly are the names on the account statements for wife 1 and wife 2 accounts, and on her brokerage at Vanguard, ...
by ruralavalon
Sat Nov 22, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: New job, time to reorganize
Replies: 4
Views: 714

Re: Moving current 401k funds into brokerage link?

So my next question is, should I leave in HP 1990 fund, or move it over to a mix of these 4 funds? and If I move it to these 4 funds, I'd like to have 90/10 but don't know what a good % would be to split between the 4 funds. Thanks for being patient with me and stopping me from doing something stup...
by ruralavalon
Sat Nov 22, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 30
Views: 1569

Re: Moving current 401k funds into brokerage link?

A BrokerageLink can be useful if (a) transactions are large, (b) infrequent and (c) give you a large advantage in expenses. Otherwise fees for use of the BrokerageLink can eat up the expense ratio advantage you try to get. What are the fees for use of the BrokergeLink? There are usually annual fees,...
by ruralavalon
Sat Nov 22, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 30
Views: 1569

Re: Get a financial advisor? Retired now

Sorry for all the questions :( . How much of each is long-term gain, how much of each is short-term gain? Joint Taxable Accounts Not tax-efficient, to sell if practical in terms of tax-pain -- Balanced Index $21k Gain: $1150 = + 5.4% Life strategy Moderate $17k Gain $1,700 = + 10% Health Care $6k Ga...
by ruralavalon
Sat Nov 22, 2014 6:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 34
Views: 4887

Re: Portfolio advice for new investor, large lump sum

I think you have settled on a plausible plan, put it into action and stick with it.

You don't need a perfect plan, just one that avoids big mistakes. I think you have avoided big mistakes. And remember what you said "I'd rather not overthink the stuff", follow that advice.
by ruralavalon
Sat Nov 22, 2014 5:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for new investor, large lump sum
Replies: 14
Views: 1549

Re: Get a financial advisor? Retired now

In the taxable account do you have it set up that when a fund pays a dividend it's automatically reinvested in that same fund? Or does the dividend go to cash? That's not a question about new contributions. I'm sorry my initial question was not clear. It's too early to say for sure, but at your tax ...
by ruralavalon
Fri Nov 21, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 34
Views: 4887

Re: Get a financial advisor? Retired now

Wlcome to the forum :) . its good to see you are debt free except for the mortgage note. i think you are right its best to "get out of Windsor/Wellington and do simple Indexing the John Bogle way", and am glad that you seem open to abandoning the position in gold. Its simplifies a lot to u...
by ruralavalon
Fri Nov 21, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 34
Views: 4887

Re: Employer switching to new retirement plan

Questions: I don't know anything about most of these funds. The expense ratios seem high for some of the options, but I'm used to Vanguard’s ultra-low expenses. I am a “set it and forget it” type of investor, and my company is encouraging us to put all our money into the target date retirement fund...
by ruralavalon
Fri Nov 21, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer switching to new retirement plan
Replies: 12
Views: 1233

Re: Social Security 62 vs 66

Delay gives greater return with smaller risk, where is the downside?

If in reasonable health it's better to delay starting SS.

If serious health issues, may better to start SS earlier.
by ruralavalon
Fri Nov 21, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 4986

Re: What Book Are You Currently Reading? Part VI

I have a family connection to Savo Island-- it was not the British Empire's finest day (there's also a book out about the battle of the Java Sea, where every significant allied combatant was sunk I think). That is Ship of Ghosts: The Story of the USS Houston, FDR's Legendary Lost Cruiser, and the E...
by ruralavalon
Fri Nov 21, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 181
Views: 17565

Re: New job / Old 401k

I recently started a new job and need to figure out what to do with the money that remains in my former employer's 401k. It seems my choices are 1) leave it; 2) move it to my new employer's 401k or 3) roll it into an IRA. . . . . Yu have the three options right. It all depends on the quality and ex...
by ruralavalon
Fri Nov 21, 2014 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: New job / Old 401k
Replies: 8
Views: 776

Re: AA: Which BONDS funds to buy?

Canada is about 08% or 1/12th of the world-exUS economy, VTIAX portfolio @ Morningstar . It is the 3d largest world-exUS economy after Japan and the United Kingdom, VTIAX portfolio @ Vanguard . Its economy has a huge natural resources sector. Skipping Canada is a mistake in my opinion. You also lose...
by ruralavalon
Fri Nov 21, 2014 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Which BONDS funds to buy?
Replies: 22
Views: 3918

Re: Portfolio advice for new investor, large lump sum

Welcome to the forum :) . You did a great job avoiding that killer student loan debt we see too often. That's wonderful. More importantly, does 20% bonds make sense? In my opinion 20% bonds makes sense at age 27. Please see: " % Stocks vs Age" ; and "An Efficient Frontier: the power o...
by ruralavalon
Thu Nov 20, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for new investor, large lump sum
Replies: 14
Views: 1549

Re: 34 year old new to investing - help please

Thank you very much ruralavalon. I already created a spreadsheet with the allocation you recommended. I have made the adjustment to 10k for treasury direct. One question - which is the best place to do this? I have a TDAmeritrade account for my common stocks. Can I add this portfolio there, or is i...
by ruralavalon
Thu Nov 20, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 53
Views: 5228

Re: 34 year old new to investing - help please

Tax Filing Status: Married Filing Jointly, Tax Rate: xx% Federal, xx% State Federal 33%, State: 7.2% State of Residence: NJ Age: 34 . . . . . His 401k No 401k at current company. Previous company transferred to IRA – . . . – no 401k . . . . . $33k his IRA/Roth IRA – 401k transferred from previous e...
by ruralavalon
Thu Nov 20, 2014 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 53
Views: 5228

Re: Advice for a new 25 year old investor

Post by ruralavalon » Tue Nov 18, 2014 2:00 pm Add a bond allocation, say 20%, using PIMCO Total Return Institutional (PTTRX) ER 0.46%. I think adding your 01% to the 457b is a good idea. I wanted to add some bonds, but the expense ratio seems a bit too big high. Or that is the average expense rati...
by ruralavalon
Wed Nov 19, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a new 25 year old investor
Replies: 12
Views: 1496

Re: Overwhelmed with Asset Allocation

Age: 31 male and 31 female Desired Asset allocation: 70% stocks / 30% bonds 30% S+P 500, 15% Small Cap, 20% Total International, 30% Total Bond, 5% REIT I suggest using Vanguard Total Stock Market Index Fund (VTSAX) instead of the S&P 500 fund, and suggest using Vanguard Small-Cap Value (VSIAX)...
by ruralavalon
Wed Nov 19, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed with Asset Allocation
Replies: 20
Views: 2264

Re: Overwhelmed with Asset Allocation

Great thanks! Why go with an intermediate bond fund instead of the vanguard total bond market index fund? . Vanguard Total Bond Market Index Fund is an intermediate term bond fund. The two funds (Vanguard Total Bond Market Index Fund and Fidelity Spartan® U.S. Bond Index Fund) are nearly identical....
by ruralavalon
Wed Nov 19, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed with Asset Allocation
Replies: 20
Views: 2264
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