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Re: Help for New Investor

Age: 32 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 20% of stocks I would suggest a minimum of 20% in stocks, please see: wiki, on risk . The desired international allocation looks fine, in my opinion. In the 401k I would probably just use: 50%, S&P 500 in...
by ruralavalon
Wed Oct 01, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for New Investor
Replies: 5
Views: 306

Re: Advice for a young/new investor

pbk264 wrote:Okay, I see your point about using money I may have plans for in the next few years.

Let me ask you this: If I were to scratch those plans or get my down payment elswhere, how would that change your advice?

Where would that down payment be coming from?
by ruralavalon
Wed Oct 01, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young/new investor
Replies: 10
Views: 554

Re: IPO's

Is " IPO" an acronym for "its probably overpriced"?
by ruralavalon
Wed Oct 01, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: IPO's
Replies: 6
Views: 323

Re: Picking My 401K Investments - Advice Wanted

Most here do create their own 3 fund mix using Total Stock Market Index Fund, Total International Stock Market Index Fund, and Total Bond Market Index Fund, rather than use a TR fund. Not only can you create your own mix, the average expense ratio will be lower than using a TR fund. You didn't list ...
by ruralavalon
Wed Oct 01, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Picking My 401K Investments - Advice Wanted
Replies: 7
Views: 337

Re: Do you deviate from the BH philosophy?

No deviation.

For bonds we have:
1/2 Treasury STRIPS, "ER" 0.00%; and
1/2 Vanguard Intermediate Term Investment Grade Admiral, ER 0.10%

So no bond index fund, but a very low weighted average expense ratio for bonds of about 0.05%.

I would say not a deviation from Boglehead philosophy.
by ruralavalon
Wed Oct 01, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 36
Views: 1199

Re: Funds Split between Vanguard / Fidelity

I have my Roth at Vanguard, and my Solo 401k at Fidelity. I have a simple 3-fund portfolio. Total stock, Total Intl stock, and Total Bonds. How should I split these up between Vanguard / Fidelity? Based on the expense ratios, it seems like the Roth at Vanguard should be the International Stock port...
by ruralavalon
Wed Oct 01, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funds Split between Vanguard / Fidelity
Replies: 1
Views: 137

Re: Yet another portfolio checkup! Any advice/comments welco

Welcome to the forum :) 1. Overall how does my portfolio look, anything obviously wrong or it does it seem reasonable? . You are doing very well, you have obviously put a lot of thought into this, and have chosen wisely. You are debt free. You are saving and investing $38k/yr + the match. Your desir...
by ruralavalon
Wed Oct 01, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another portfolio checkup! Any advice/comments welcome(=
Replies: 3
Views: 515

Re: Advice for a young/new investor

ow much are you contributing to the 401k? How much is your employer adding? over the past 16 months(since i've started work) I hav contributed $4k or 6% of my income. My employer match/contribution has been $8k. I do not recal the exact match percentage but I think its 4% + 10% contribution. I'm a ...
by ruralavalon
Wed Oct 01, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young/new investor
Replies: 10
Views: 554

Re: 401 K Question

Question: I have heard in the past the you generally want to rollover a 401k plan after you leave an employer. Can someone explain to me why? I read something about your prior employer owns the account and if they go bankrupt it can effect your account? If I have a low fee 401k plan is it ok for me...
by ruralavalon
Wed Oct 01, 2014 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401 K Question
Replies: 11
Views: 469

Re: fidelity v.s. vanguard

Although my own personal preference is Vanguard, you can do just fine at Fidelity as long as you limit yourself to using only their Spartan index funds. My Vanguard preference is because of their much larger selection of low expense funds. If you want a local office, you can't get that from Vanguard.
by ruralavalon
Wed Oct 01, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1450

Re: New Investor Question

Welcome to the forum :) . I have been reading a lot about Vanguard index funds. I am unsure which path to go pertaining to portfolio creation. I am leaning towards a target retirement fund but I have also heard good things about the "lazy man" portfolio with 3 to 5 funds. Which one is a be...
by ruralavalon
Wed Oct 01, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Question
Replies: 5
Views: 204

Re: Advice for a young/new investor

Welcome to the forum :) . Its great to see anyone start young. am looking to start investing ideally in some VG funds. I am already more than matching my employer 401k contributions and have established my emergency fund. Im looking for a little direction as far as my AA how to build a diverse portf...
by ruralavalon
Wed Oct 01, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young/new investor
Replies: 10
Views: 554

Re: Help with portfolio for new investor, thanks in advance!

Bump for any other possible answers to my questions. Any thoughts/ideas are much appreciated! What did you find out about whether your current 403b will accept a transfer of your traditional IRA? For me, the choices for solo 401k would boil down to either Fidelity or Vanguard, because both have a s...
by ruralavalon
Wed Oct 01, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio for new investor, thanks in advance!
Replies: 15
Views: 1294

Re: 401(k) Fund Choices

What does the footnote for "Stock Index Fund" say?

What are you going to be contributing to the Roth IRA?

What does the footnote for "Core Bond Fund" say?
by ruralavalon
Tue Sep 30, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Fund Choices
Replies: 8
Views: 387

Re: What to Do next? Life Events + What To Invest?

Congratulations on your expected child :) . Most would not recommend a 529 until you are completely maxing 401k and IRA. The details are complicated, but I was convinced after about a week of reading about it. There is no shortage of threads on the topic if you just search on Google: bogleheads 529 ...
by ruralavalon
Tue Sep 30, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to Do next? Life Events + What To Invest?
Replies: 8
Views: 841

Re: Buying first Index Fund New Investor

Yes, you can do that.

Set up an IRA, buy your target date fund, and contribute regularly.

Go for it :) .
by ruralavalon
Tue Sep 30, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying first Index Fund New Investor
Replies: 4
Views: 281

Re: Best 401K for 26-year-old

Asset allocation . You need to decide on a target asset allocation, meaning the mix of the asset classes you want. You need to decide that whether you use individual index funds or decide to use a target date fund. Asset allocation is a very personal decision, based on your own ability and willingn...
by ruralavalon
Tue Sep 30, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 401K for 26-year-old
Replies: 21
Views: 1586

Re: Help with portfolio for new investor, thanks in advance!

Bump for any other possible answers to my questions. Any thoughts/ideas are much appreciated! What did you find out about whether your current 403b will accept a transfer of your traditional IRA? For me, the choices for solo 401k would boil down to either Fidelity or Vanguard, because both have a s...
by ruralavalon
Tue Sep 30, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio for new investor, thanks in advance!
Replies: 15
Views: 1294

Re: Best 401K for 26-year-old

Also, what would be the advance of a 2035 retirement plan over a 2050 retirement plan? I certainly don't plan to retire at 47 (though it would be nice to have enough money to do so). In general it's best to pick the target date fund according to the stock/bond mix or level of risk you want, and not...
by ruralavalon
Tue Sep 30, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 401K for 26-year-old
Replies: 21
Views: 1586

Re: Help with Investment Allocation and where to Invest Lump

The reason my net worth is so low is because I am just out of training as a physician. I have been out for less than a year and did get rid of all my loans. I am now debt free from all the schooling. I have just started building my portfolio and now finally have some money to invest. I am still liv...
by ruralavalon
Mon Sep 29, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investment Allocation and where to Invest Lump Sum
Replies: 4
Views: 537

Re: Best 401K for 26-year-old

I don’t plan to touch my 401K for many years, so I would simply like to maximize my long term savings. Do you think you might be able to save more than $17.5k/yr, the max for the 401k account? If so, do you think you might save $5.5k/yr more to fund an IRA account? If so, more than that $23k total?...
by ruralavalon
Mon Sep 29, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Best 401K for 26-year-old
Replies: 21
Views: 1586

Re: Much too Aggressive!!

Welcome to the forum :) . It's great to see that you have no debt. Congratulations on your good health. To be any real help we need more information, so that we can see the whole investing picture. What funds (fund names, tickers, expense ratios, and amounts) is his 401k invested in? What are any ot...
by ruralavalon
Sun Sep 28, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Much too Aggressive!!
Replies: 9
Views: 1327

Re: Best 401K for 26-year-old

Welcome to the forum :) . Hello, I am currently trying to decide on the best 401K plan that my company offers. I am 26 years old, make 160K per year, and would like to save aggressively to maximize my savings. Several different options are appreciated. About how much per year do you expect to be abl...
by ruralavalon
Sun Sep 28, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 401K for 26-year-old
Replies: 21
Views: 1586

Re: Help with retirement asset allocation

Age: 29 & 29 . . . . . Desired Asset Allocation: 80% stocks/20% bonds (*updated based on discussing it with my wife after reading additional posts, including those below) Desired International Allocation: 30% In my opinion thats a reasonable asset allocation That works out to about: 20% bonds; ...
by ruralavalon
Sun Sep 28, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement asset allocation
Replies: 8
Views: 1079

Re: Input on retirement investments and contributions

Questions: 1. Within Prudential, is Goalmaker the right way to go? It seems like the expense ratio is high and I don’t think the earnings are great. I might do better picking a few of the things in there and rebalancing periodically. I am not a very active investor so I need something easy or put m...
by ruralavalon
Sun Sep 28, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Input on retirement investments and contributions
Replies: 4
Views: 331

Re: R u selling PIMCO bond fund

We don't have any PTTRX, and wouldn't be rushing to sell if we did. I would think of selling later only if the 401k offered a good credit credit quality, low expense ratio, intermediate term bond fund. It's always a question of what the other choices are.
by ruralavalon
Sun Sep 28, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 19
Views: 1822

Re: Input on retirement investments and contributions

Welcome to the forum :) . It's great to see what you are debt free, other than the mortgage note. Questions: 1. Within Prudential, is Goalmaker the right way to go? It seems like the expense ratio is high and I don’t think the earnings are great. I might do better picking a few of the things in ther...
by ruralavalon
Sun Sep 28, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Input on retirement investments and contributions
Replies: 4
Views: 331

Re: Almost 2 year checkup + 401k ?

Chase & Capital One Savings / Checking Accounts - $56,295.76 Unless thats the emergency fund, I would get that extra cash to work invested in more of your tax-efficient total market stock index funds in the taxable account. . . . . . Emergency fund and I have been saving for a house down paymen...
by ruralavalon
Sun Sep 28, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Almost 2 year checkup + 401k ?
Replies: 6
Views: 946

Re: Investing windfall for retirement

1. This is the bulk of my retirement after SSI & a very small pension. 2. I plan to take a 4% of the income it generates. 3. I can choose to pay Vanguard .3% or not, DFA is .75%. 4. The asset allocation recommended is 50/50. 5. I was originally leaning toward a simple 3,4,5,6 fund self-managed ...
by ruralavalon
Sun Sep 28, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing windfall for retirement
Replies: 7
Views: 931

Re: AXA Equi-Vest Help

Originally only annuities could be bought in a 403b, but that's no longer true.

The 403b can be transferred to a rollover IRA, call Vanguard and they will help in the transfer.
by ruralavalon
Sun Sep 28, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: AXA Equi-Vest Help
Replies: 2
Views: 257

Re: Help with retirement asset allocation

Welcome to the forum :) . Please add the expense ratios for each fund as offered in the 401k. Those may be different than the expense ratios offered to the general public. Are there any more costs or fees you are required to pay in the 401k, in addition to the expense ratios? Do you have any debt? I...
by ruralavalon
Sun Sep 28, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement asset allocation
Replies: 8
Views: 1079

Re: Almost 2 year checkup + 401k ?

Excellent job overall. My only real question is regarding the 401k. My company offers a Roth 401k option. Without my 17.5k t401k contribution, I would be in the 28% federal bracket. Is it worth paying the higher tax rate to switch to the Roth 401k option? Stick with the traditional 401k. "The C...
by ruralavalon
Sun Sep 28, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Almost 2 year checkup + 401k ?
Replies: 6
Views: 946

Re: Ready to retire next month

Congratulations on your impending retirement.

Turn off any automatic reinvestment you may have set up for the funds in the taxable accounts, there's no sense in creating short term gains there.

The asset allocation is reasonable in my opinion.
by ruralavalon
Sun Sep 28, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Ready to retire next month
Replies: 5
Views: 910

Re: thoughts on my portfolio

Welcome to the forum :) . 37.5% Fidelity Total stock market index fund 25% Fidelity Foreign large blend (we will use global ex-us index fund to have emerging as well) 12.5% Vanguard small value index fund 25% Fidelity Total bond market With the switch to Spartan Global ex-US, looks good to me. The p...
by ruralavalon
Sun Sep 28, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: thoughts on my portfolio
Replies: 5
Views: 636

Re: Help with Investment Allocation and where to Invest Lump

Welcome to the forum :) . Age: 32 Desired Asset allocation: 85% stocks / 15% bonds I know you want to be aggressive, but I would suggest at least 20 - 25% in bonds. Please see: wiki, on risk ; and " % Stocks vs Age" . . . . . . We need more information to address most of your concerns. I k...
by ruralavalon
Sat Sep 27, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investment Allocation and where to Invest Lump Sum
Replies: 4
Views: 537

Re: Overall Portfolio Check (and questions about extra cash)

1) For my new 401k, my plan is 40% VINIX, 25% FSEVX, 35% VTIAX. This roughly matches my overall desired allocation and uses the three available funds with the lowest expense ratios. Does this make sense? Perhaps. But what low expense bond funds are offered in the current 401k? Also, is there a brok...
by ruralavalon
Sat Sep 27, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio Check (and questions about extra cash)
Replies: 19
Views: 1077

Re: Looking for advice- Already Retired.

Welcome to the forum :) . What percentage of your investments is in stocks or stock mutual funds? What percentage of your investments is in bonds, bond mutual funds, CDs or savings accounts? We are 69, and our mix is 50/50. Please see: "Never bear too much or too little risk" ; and " ...
by ruralavalon
Sat Sep 27, 2014 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice- Already Retired.
Replies: 9
Views: 961

Re: Actively managed Vanguard Int'l Fund

spencer99 wrote:Both of these funds carry about the same ER + expenses of approximately 1%.

Thanks in advance for any advice about the wisdom of using the Vanguard fund rather than the EAFE.

S.

What are the tickers for the two funds?
by ruralavalon
Fri Sep 26, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Actively managed Vanguard Int'l Fund
Replies: 7
Views: 472

Re: Is it bad to put 23k a yr in retirement if I only make 4

Is it bad to put 23k (mine) and 23k (his) a year in retirement if we make 142k a year? We have 31k(mine) and 120k(his)in 401ks and IRAs and 60k in checking accounts(his). No, it's not bad. That's a savings rate of 32%, which is very good. Continue to live frugally and invest what you can. But as I ...
by ruralavalon
Fri Sep 26, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it bad to put 23k a yr in retirement if I only make 42k?
Replies: 29
Views: 3559

Re: Insurance Agent / Annuity Question??

What type of fixed annuity?

What was the purpose of buying the fixed annuity in the first place?
by ruralavalon
Fri Sep 26, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Insurance Agent / Annuity Question??
Replies: 5
Views: 504

Re: Move to vanguard equivalents or leave alone?

It's probably a good idea to switch.

First get the cost basis data from.the current investment firm, and review with your CPA/tax guy to determine exactly what is the best procedure to make the changeover.

Then switch to Vanguard and low expense funds
by ruralavalon
Fri Sep 26, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move to vanguard equivalents or leave alone?
Replies: 7
Views: 634

Re: Is it bad to put 23k a yr in retirement if I only make 4

It seems like we shouldn't necessarily have 60k in our checking account. What are we supposed to do with it? The checking it is in now has no interest on it, it is just a standard checking at Bank of America. What is considered a high yield savings account, percent wise? Can you recommend a place w...
by ruralavalon
Fri Sep 26, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it bad to put 23k a yr in retirement if I only make 42k?
Replies: 29
Views: 3559

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

Bill Gross left PIMCO today, to start with Janus on Monday.
by ruralavalon
Fri Sep 26, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5729

Re: Investment Advice for Clueless Mid-late 20 Year Old

Welcome the forum :) . It's great to see that you have no debt, and are taking advantage of the employer match in the 401k. Yes you could use the eTrade account. You plan to use Vanguard index funds, it's simpler to just buy them in an account at Vanguard, and there's no good reason to buy them thru...
by ruralavalon
Thu Sep 25, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for Clueless Mid-late 20 Year Old
Replies: 3
Views: 510

Re: Portfolio Checkup

I looked at the 401k offerings you added to your initial post. You have chosen the best funds to use in the 401k, in my opinion. Too bad there is no low expense bond fund offered. I see no good international fund offered. Update: Just spoke with my 401k provider and they do not allow any post-tax co...
by ruralavalon
Thu Sep 25, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup
Replies: 10
Views: 1413

Re: No Vanguard in our 401k

I've been speaking with my CFO about our 401k and the available funds. We currently use Oppenheimer funds but are switching to a new provider. I expressed to him the benefit of using Vanguard funds and this is the reply he received regarding Vanguard: As far as Vanguard funds go, PAI has a list of ...
by ruralavalon
Thu Sep 25, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: No Vanguard in our 401k
Replies: 10
Views: 934

Re: New investor advice, thanks in advance!

5. At this point, which solo 401k firm do you think is best for my situation? I do like the idea of the Merrill Edge where you get the good credit card with the 75% bonus for platinum (when you hit 50k assets) that a few people on here have talked about but have also heard a lot of people with Fide...
by ruralavalon
Thu Sep 25, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio for new investor, thanks in advance!
Replies: 15
Views: 1294

Re: What 3 funds should I have in my taxable account?

I'm looking for advice as to what 3 funds I should carry in my Vanguard taxable account. Right now I have VBTLX, VGTSX, and VTSAX. However, from what I've gleaned on the forums one should not carry VBTLX in a taxable account? I'm looking at suggestions as to what I should replace it with? Also woul...
by ruralavalon
Wed Sep 24, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 3 funds should I have in my taxable account?
Replies: 8
Views: 1416

Re: Life Insurance - Indexed - Worth it?

No, do not buy equity indexed life insurance. It's not a good investment. Please see: Forbes, "The Truth About Equity-Indexed Annuities".

If you need to provide protection to family in the event of your death, buy term insurance.
by ruralavalon
Wed Sep 24, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Insurance - Indexed - Worth it?
Replies: 12
Views: 568

Re: 23 years old, trying to plan what to do with savings

Currently I have 10k savings, and will start putting money away towards my 401k when I hit my year requirement (company matches up to 4% of my salary, quarter to the dollar i believe). I'm not sure what I should do in regards to putting more in 401k, paying extra of my mortgage every month, or othe...
by ruralavalon
Wed Sep 24, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 years old, trying to plan what to do with savings
Replies: 10
Views: 1287
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