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Re: Investment Advice

In my opinion your desired 80/20 asset allocation is within the range of what is reasonable. I suggest a minimum of 20% of stocks in international stocks. The REIT Index is very tax-INefficient, so I suggest selling that position in the taxable account. Turn off any automatic reinvestment set up in ...
by ruralavalon
Tue Jan 27, 2015 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 15
Views: 1463

Re: Investment Advice

Where are each of the accounts located?

Is there a reason you use ETFs rather than regular mutual funds?
by ruralavalon
Tue Jan 27, 2015 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 15
Views: 1463

Re: Investment Advice

Please edit your original post again: Add the names and expense ratios of the funds and ETFs, we don't have all the tickers memorized and people usually won't bother look them up when you don't include that information, and Add the relative sizes of the accounts, like this Taxable account at (firm n...
by ruralavalon
Mon Jan 26, 2015 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 15
Views: 1463

Re: Financial plan advice

Thanks so much for the advice, Ruralavalon, and apologies for my delayed reply. I can't transfer my IRA into my 401k. The portfolio you laid out below makes a lot of sense to me; except is there a reason for having such a large portion in international stocks? I think I would probably prefer to kee...
by ruralavalon
Mon Jan 26, 2015 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan advice
Replies: 8
Views: 1266

Re: Fidelity brokerage link

Fidelity Spartan Total Stock Market Index Fund
Fidelity Spartan Global x-U.S. Index Fund
Fidelity Spartan U.S. Bond Index Fund
by ruralavalon
Mon Jan 26, 2015 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity brokerage link
Replies: 6
Views: 770

Re: Employee fiduciary 401K Fund selection

leonard wrote: Total Stock Market Index
Total Int'l Stock Market Index
Total Bond Market Index
Lifestrategy Income
Lifestrategy Conservative Growth
Lifestrategy Moderate Growth
Lifestrategy Growth

I endorse the idea of a short list of easy to understand choices. I would only add the REIT index fund.
by ruralavalon
Mon Jan 26, 2015 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Employee fiduciary 401K Fund selection
Replies: 19
Views: 887

Re: Bond ETFs at Schwab: SCHZ, SCHO, SCHR, SCHP - how to cho

I wouldn't suggest the TIPS Fund (SCHP) unless you are close to retirement or in retirement. The Total Bond fund (SCHZ) is a good choice and could be your entire bond allocation. This is your basic intermediate-term Barclays U.S. Aggregate Bond Index fund, a standard for a bond allocation and many p...
by ruralavalon
Sat Jan 24, 2015 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs at Schwab: SCHZ, SCHO, SCHR, SCHP - how to choose?
Replies: 5
Views: 467

Re: Advice request for establishing portfolio

What is the interest rate on that $7k high interest debt?

Is there a high deductible health plan at your employer?
by ruralavalon
Sat Jan 24, 2015 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice request for establishing portfolio
Replies: 17
Views: 1061

Re: Advice request for establishing portfolio

Yes you can substitute the Institutional Index Fund (it's a S&P 500 Index Fund) for Total Stock Market. You can also substitute PIMCO Total Return for Total Bond Market. Here is an example of how you could start your portfolio, in your desired asset allocation: 401 (56% of total; $20k) 50%, Vang...
by ruralavalon
Sat Jan 24, 2015 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice request for establishing portfolio
Replies: 17
Views: 1061

Re: When/how to invest monthly savings into taxable?

Hi All, I'm wondering if there is a recommended way to route savings into a Vanguard taxable account. For example, retirement account gets funded monthly (directly out of paycheck). But lets say I have about $500 each month that goes into savings account. (1) Should I set up an automatic monthly tr...
by ruralavalon
Fri Jan 23, 2015 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: When/how to invest monthly savings into taxable?
Replies: 32
Views: 2799

Re: What percent "Boglehead" are you?

Just 5 funds plus treasury STRIPS. All stock funds are index funds, have TSM and TISM, do hold REIT and small cap value tilt. One managed bond fund, Intermediate Term Investment Grade ER 0.10%. Portfolio weighted average ER 0.074%. 1 - Plan: 10 2 - Invest early and often: 8 3 - Just enough risk: 9 4...
by ruralavalon
Thu Jan 22, 2015 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10128

Re: Investment Guidance

It's best to treat all accounts together as a single unified portfolio, and select funds for broad diversification and low expenses. Select the best fund in the work-based plan, where the choices are always limited and often poor or expensive. Then complete the desired asset allocation using the nea...
by ruralavalon
Tue Jan 20, 2015 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Guidance
Replies: 13
Views: 1766

Re: Financial plan advice

Keep the long-term retirement portfolio and the short-term portfolio separate. Personally, I would use 2 taxable accounts, one for long-term retirement investing and the second for short-term saving. If we take $11k out of taxable for the short-term goals, that leaves $98k for long-term investing in...
by ruralavalon
Mon Jan 19, 2015 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan advice
Replies: 8
Views: 1266

Re: Financial plan advice

If you can transfer the traditional IRA into your 401k, then that opens up the possibility of making indirect contributions to a Roth IRA despite your high income. Please see: wiki article "backdoor Roth IRA". Even though there are limited choices in a 401k compared to an IRA, your 401k ha...
by ruralavalon
Mon Jan 19, 2015 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan advice
Replies: 8
Views: 1266

Re: What to do with Keogh and 401(k) from old job...

If I roll the money into a Roth IRA then I would get taxed right? And if I roll it over to a trad IRA then I won't pay taxes? That's correct. In the new 401k with Fidelity do you have access to their Spartan funds? If so, which ones and what ERs? Will the new 401k accept a transfer? What account ma...
by ruralavalon
Mon Jan 19, 2015 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with Keogh and 401(k) from old job...
Replies: 4
Views: 357

Re: Financial plan advice

Welcome to the forum :) . I think it was wise to concentrate initially on paying off those "over $200K in loans, some of which was at 8-9%". Please see: wiki article, "prioritizing investments". (I'm posting on a tablet and don't know how to post a link using it, so can only tell...
by ruralavalon
Mon Jan 19, 2015 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan advice
Replies: 8
Views: 1266

Re: What to do with Keogh and 401(k) from old job...

What's best depends primarily on comparison of fund quality, expense ratios and fees: 1. Leave the plans where they are if the funds offered are good with low expense ratios, and any account maintenance fee is low; 2. Transfer the money into the new employer's 401k if the funds offered are good and ...
by ruralavalon
Sun Jan 18, 2015 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with Keogh and 401(k) from old job...
Replies: 4
Views: 357

Re: What's Your International % and Why?

International at 25% of stocks, 0% of bonds.

Vanguard's paper suggests 20-40% of stocks, but almost all of the diversification benefit is in the lower end of that range. International bonds seem an unnecessary complication, an additional expense, with little or no obvious benefit.
by ruralavalon
Sun Jan 18, 2015 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 127
Views: 9048

Re: Help with 401k allocation

So you could do this, and have a nicely diversified, low ER, three-fund portfolio: 401ks (90%; adds $36k/yr, 77% of annual contributions) 60%, Fidelity U.S. Equity Index, ER 0.04% 30%, PIMCO Total Return, ER 0.50% ROTH IRAs @ Vanguard (10%; adds $11k/yr, 23% of annual contributions) 10%, Vanguard To...
by ruralavalon
Sun Jan 18, 2015 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k allocation
Replies: 15
Views: 1344

Re: Help with 401k allocation

This is interesting and was my thoughts as well. I was going to sell all my Freedom Funds and by the Index Fpund and some PIMCO and then buy international with my ROTH. The problem is I do max out my ROTH but it is a small portion of funds I think that's an excellent idea. That will give you a simp...
by ruralavalon
Sun Jan 18, 2015 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k allocation
Replies: 15
Views: 1344

Re: Here's my situation.

You indicate that your wife has a 401(k) (you call it an IRA) with no match. I would consider maxing out Traditional IRAs at Vanguard (currently $11,000 limit per year) before contributing to an employer 401(k) (specifically because there is no match). Is that a 401k that your wife has at work? Is ...
by ruralavalon
Sun Jan 18, 2015 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Here's my situation.
Replies: 20
Views: 2567

Re: Investment Guidance

After looking at all of the expense ratios for the funds, I am wondering if I should place all of my contributions in my 404c into either the S&P 500 fund or the Fidelity Contrafund, rather then spreading them out over the current higher expense funds that I have them in now. Any suggestions? A...
by ruralavalon
Sat Jan 17, 2015 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Guidance
Replies: 13
Views: 1766

Re: Small cap tilt in Vanguard 403b

Take the Vanguard Small-Cap Value VISVX out of the Vanguard Total Stock Market VTSAX. I would consider a higher percentage, about 1/3 of domestic stocks = about 18% of total account.

For discussion in a R. Ferri blog post Google "winning with small value stocks".
by ruralavalon
Sat Jan 17, 2015 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt in Vanguard 403b
Replies: 5
Views: 668

Re: Leaving job, 401k options

The choices are: 1. Leave the 401k which where it is if the funds offered are good with low ERs, and there is no account maintenance fee; 2. Transfer it into your new employer's plan if it has good low ER funds, and will accept the transfer; 3. Transfer it to a rollover IRA if that would offer bette...
by ruralavalon
Sat Jan 17, 2015 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Leaving job, 401k options
Replies: 14
Views: 1274

Re: Investment Advice

Welcome to the forum :) Please tell us what type of company retirement plan you have (401k, 403b, 457, etc.). Also please list the funds offered (fund names, tickers & expense ratios) in the plan. We can't offer suggestions without knowing what the options are. Do you have any debt? If so, types...
by ruralavalon
Sat Jan 17, 2015 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 15
Views: 1463

Re: Help with 401k allocation

In the 401k you could use: Fidelity U.S. Equity Index, ER 0.04% PIMCO Total Return, ER 0.50% What accounts and investments do you have in addition to the 401k? At ages 36 and 33, an asset allocation of around 75/25 or 70/30 stock/bond would be fairly reasonable, but that's a very individual choice t...
by ruralavalon
Fri Jan 16, 2015 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k allocation
Replies: 15
Views: 1344

Re: New 401(k) plan, and question re: FutureAdvisor.com

Get that $93k 6.5% student loan out of deferment, and make playing that off a priority.

I too think that using Voya Index Plus Large Cap (0.9%) is your best choice in the 401k.
by ruralavalon
Fri Jan 16, 2015 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) plan, and question re: FutureAdvisor.com
Replies: 6
Views: 748

Re: HELP!!! with run amok investment board!

The MW bond fund shows up in many 401(k) plans when the Pimco fund is not there. It is a pretty decent actively-managed bond fund, so is a natural replacement for the previous actively-managed bond fund. A letter might highlight the need to avoid manager risk presented by an actively-managed bond f...
by ruralavalon
Fri Jan 16, 2015 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3662

Re: Need Advice Please (We are Novices and Plans all over)

Duckie's example portfolio is a good idea. Here is another idea: His Vanguard Rollover IRA (26%) 12%, Total Stock Market Index Admiral (VTSAX) (ER 0.05%) 04%, Vanguard Total International Stock Market Index (VTIAX) (ER 0.14%) 10%, Vanguard Total Bond Market Index (VBTLX) (ER 0.08%) His Vanguard Rot...
by ruralavalon
Fri Jan 16, 2015 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice Please (We are Novices and Plans all over)
Replies: 9
Views: 1250

Re: Need Advice Please (We are Novices and Plans all over)

This is needlessly complex, in my opinion. Vanguard Total Stock Market Index Fund fully covers the domestic stock market, there is no need to add or readily apparent purpose for adding growth, mid and small. In the Roth IRAs you will probably better off using stock index funds, rather than the bond ...
by ruralavalon
Fri Jan 16, 2015 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice Please (We are Novices and Plans all over)
Replies: 9
Views: 1250

Re: Asset allocation and bond fund for 63 y.o

How much money is involved in this one account? Is this currently in a 401k? Is this being transferred to a rollover IRA? Are both parents retired? Do either of your parents have any other accounts? . . . . . To answer some of your questions: 1. Yes bonds are still worth it, bonds are safer and less...
by ruralavalon
Thu Jan 15, 2015 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and bond fund for 63 y.o
Replies: 4
Views: 718

Re: help choose 401k funds

Yes it's a good approach to switch the existing balance and future contributions to the target retirement funds.
by ruralavalon
Thu Jan 15, 2015 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: help choose 401k funds
Replies: 6
Views: 419

Re: 401K Investment Help

Funds Available in 401K BLKRK EQUITY INDEX ARTISAN MID CAP INV GOLD SACHS MC VALUE MELLON MKT COMPLETION DFA US SM CAP VALUE PAL CAP SM CP GR EQ AF EUROPACIFIC GRTH BLKRK ACWI EX-US IMI D&C INTL STOCK JPM GLOABL OPPS BLKRK LIFEPATH 2020-2055 CAPITAL PRESERVATION PIMCO REAL RETURN PIMCO TOTAL RE...
by ruralavalon
Thu Jan 15, 2015 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Investment Help
Replies: 13
Views: 1062

Re: IRA advice for a 34 year old

His age: 34 Her age: 31 . . . . . You may have surmised by my bullion purchases that I foolishly bought into the dollar collapse scare stories and I am a little squeamish about another stock market correction in the near future, hence the reason for sitting mostly in cash for the past 4 years. If I...
by ruralavalon
Wed Jan 14, 2015 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA advice for a 34 year old
Replies: 8
Views: 1672

Re: Looking for a small cap fund in my 401k

telemark wrote:One is tilted toward "the black hole of investing" (small cap growth). The other also has some small cap value in it.

Just Google the term "back hole of investing" for more information.
by ruralavalon
Tue Jan 13, 2015 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for a small cap fund in my 401k
Replies: 4
Views: 299

Re: 401K Investment Help

Welcome to the forum :) . It's always good to see someone starting young at investing. Yes the 401k is with Fidelity. I do not max out my Roth IRA. In fact, I have never even contributed to one. So, I should contribute to 401k up to company match, then any other contributions should go towards a Rot...
by ruralavalon
Tue Jan 13, 2015 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Investment Help
Replies: 13
Views: 1062

Re: Merrill Lynch or Vanguard

:wink: I suggest starting with Vanguard instead, for a complete array of low cost funds, no extra fees and no sales pressure. If you want some guidance just post here in the "asking portfolio questions" format, read the books suggested in the last post, ask Vanguard for ideas, and/or use V...
by ruralavalon
Tue Jan 13, 2015 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3206

Re: Dazed, Confused and Upset

Does anyone have any pointers on how to have the conversation with the EJ advisor and what that conversation should entail? I do know that I wouldn't have to talk to him at all but that just wouldn't be right in this type of situation. He is a distant relation and very close family friend whom I ha...
by ruralavalon
Tue Jan 13, 2015 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6276

Re: IRA advice for a 34 year old

We need a little more information in order to make more specific suggestions to you. Your ages? What is your desired asset allocation? Do you have any debt? If so types, amounts and interest rates? What is your marginal tax rate, both federal and state? About how much do you expect to be able to con...
by ruralavalon
Mon Jan 12, 2015 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA advice for a 34 year old
Replies: 8
Views: 1672

Re: Dazed, Confused and Upset

In my opinion there is no good reason to stay with EJ. Vanguard can help you with the transfers. For any taxable account, ask them about a "transfer in kind" so that there on no taxes due just because of the transfer. For accounts like IRAs you want a "trustee to trustee" transfe...
by ruralavalon
Mon Jan 12, 2015 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6276

Re: company changed plans

Really, $30 per year? Don't waste any time worrying about that.

Your main concern should be the quality and expense ratios of the funds offered in the new plan.
by ruralavalon
Mon Jan 12, 2015 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: company changed plans
Replies: 7
Views: 678

Re: Examples of load-only fund families?

In my opinion: 1. You should probably not use the Self Directed Brokerage Arrangement (SDBA) in the 401k because it requires use of very expensive front loaded mutual funds and because of the fees for use of the brokerage feature; 2. It may still be worthwhile to use the 401k rather than a taxable a...
by ruralavalon
Mon Jan 12, 2015 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Examples of load-only fund families?
Replies: 36
Views: 2503

Re: New Job, New 401k options - What to do?

It sounds like are making good progress getting your debt under control, congratulations on that. An 80/20 mix of S&P 500 and Extended Market will approximate domestic total stock market. You could do this, to get both your 20% bonds as well as pick up domestic mid/small caps: 52%, Vanguard S&am...
by ruralavalon
Sat Jan 10, 2015 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job, New 401k options - What to do?
Replies: 6
Views: 925

Re: Examples of load-only fund families?

Thanks for all of the replies! I asked my employer for clarification about the plan and they confirmed that the load/sales charge is NOT waived for the plan. However, if I purchase class C shares from American, I do not pay the sales charge but the expense ratio is about 2X as much as the A shares,...
by ruralavalon
Fri Jan 09, 2015 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Examples of load-only fund families?
Replies: 36
Views: 2503

Re: New Job, New 401k options - What to do?

Welcome to the forum :) . You have very nice low expense fund choices offered in the 401k, even the actively managed funds are good moderate expense funds. You are fortunate. Emergency funds: ~$1,200 Working on growing this About how much per month does it take to cover your basic living expenses? A...
by ruralavalon
Fri Jan 09, 2015 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: New Job, New 401k options - What to do?
Replies: 6
Views: 925

Re: Examples of load-only fund families?

I know if I go outside the UBS options I have to pick a load fund. I'm not sure if the UBS options have loads. How can I tell? It looks like there's some good funds offered but it depends on the expense ratios. With they not provide you a list of the UBS options offered with expense ratios? What ar...
by ruralavalon
Thu Jan 08, 2015 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Examples of load-only fund families?
Replies: 36
Views: 2503

Re: Examples of load-only fund families?

To answer some questions, I expect to be with this company for 3-5 years. . . . . . There's a list of the UBS funds on their site. Some look decent and have expense ratios from 1-2%. The other people in my office seem to go with American funds as well. Are there costs beyond just the expense ratio ...
by ruralavalon
Thu Jan 08, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Examples of load-only fund families?
Replies: 36
Views: 2503

Re: Examples of load-only fund families?

Thank you for the responses. To answer some questions, I expect to be with this company for 3-5 years. I know if I go outside the UBS options I have to pick a load fund. I'm not sure if the UBS options have loads. How can I tell? It looks like there's some good funds offered but it depends on the e...
by ruralavalon
Thu Jan 08, 2015 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Examples of load-only fund families?
Replies: 36
Views: 2503

Re: Question regarding Vanguard's REIT fund

And yes I realize the REIT is a specialty fund and not an equity fund per se. That said, in the past the REIT has acted more predictably in accordance with market fluctuations, but not this time. The fund produced a huge return for investors in 2014. Vanguard REIT Index Fund is in fact an equity fu...
by ruralavalon
Thu Jan 08, 2015 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Question regarding Vanguard's REIT fund
Replies: 3
Views: 758
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