Search found 6259 matches

by ruralavalon
Fri Jul 31, 2015 10:19 am
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 17
Views: 592

Re: AA Question for 4 accounts

Domer03 wrote:Do you think (( and I know you do not have a crystal ball )) this protfolio would do better than a 2045 target date fund even with a little higher ER?

I have no idea.
by ruralavalon
Fri Jul 31, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 17
Views: 592

Re: AA Question for 4 accounts

Domer03 wrote:When I add everythig up it comes to 110% AA

OOPS :oops: .
Please see my edits.
by ruralavalon
Thu Jul 30, 2015 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 17
Views: 592

Re: AA Question for 4 accounts

Asset allocation. We would like the AA to be 80/20... age is around 34. With 30% of stocks in international stocks, that works out to about: 20% bonds; 25% international stocks; and 55% domestic stocks. Fund selection. . . . . The funds we want to use are the 3 fund Vanguard Total Stock Market Inde...
by ruralavalon
Thu Jul 30, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 881
Views: 157934

Re: What Book Are You Currently Reading? Part VI

Grant , by Jean Edward Smith. This biography of Ulysses Grant covers more than just his Civil War record. It also covers his earlier Army career, the Mexican War, his Presidency, and his times out of office. I found it interesting to have those other aspects of his life covered in detail. I didn't ...
by ruralavalon
Thu Jul 30, 2015 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 17
Views: 592

Re: AA Question for 4 accounts

Domer03 wrote:Both roth accounts are with Fidelity.

About how much is in each of the four accounts?
by ruralavalon
Thu Jul 30, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: I am a Rookie. I need some investing help.
Replies: 17
Views: 1311

Re: I am a Rookie. I need some investing help.

In my opinion your desired asset allocation of 70/30 stocks/bonds is within the range of what is reasonable for ages 40 and 32. A 05% REIT investment can be useful in my opinion. Your desired asset allocation works out to about: 30% bonds; 20% international stocks; 05% REIT; and 45% other domestic s...
by ruralavalon
Thu Jul 30, 2015 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Investment Advice
Replies: 12
Views: 729

Re: Looking for Investment Advice

Your desired asset allocation works out to: 30% bonds; 17.5% international stocks; and 52.5% domestic stocks. . . . . . In my opinion the target retirement funds in the 401k are too expensive to use (ER 0.83%) when you have some nice low expense fund choices offered in your 401k. If you use S&P ...
by ruralavalon
Thu Jul 30, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Newbie question
Replies: 16
Views: 692

Re: Newbie question

You are getting ahead of yourself. First you need to decide on an asset allocation, meaning your desired stock/bond mix. At age 33 I suggest about 25% in bonds. Then consider an international asset allocation. Consider somewhere in the range of 20 - 40% of stocks in international stocks. . . . . . T...
by ruralavalon
Wed Jul 29, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 17
Views: 592

Re: AA Question for 4 accounts

What fund company are the Roth IRAs with?

How much money is currently in each of the four accounts?
by ruralavalon
Wed Jul 29, 2015 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Noob Question; American Funds 401k
Replies: 4
Views: 280

Re: Noob Question; American Funds 401k

Welcome to the forum :) . Some plans offer a brokerage option, sometimes called a brokerage window or brokerage link. If offered this allows you to buy almost any fund, but they charge extra fees, being an annual fee, a per transaction fee, or often both. Is there a brokerage feature offered in your...
by ruralavalon
Wed Jul 29, 2015 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help - Picking a 403(b) provider
Replies: 1
Views: 135

Re: Help - Picking a 403(b) provider

I think that your 1 - 4 plan for deciding on a provider and funds is sensible. I don't know of any short cut (but I never had a 403b). You can compare funds using Morningstar if you have the fund tickers. But you need to get the expense ratios from your 403b plan providers, because the expense ratio...
by ruralavalon
Wed Jul 29, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 17
Views: 592

Re: AA Question for 4 accounts

It makes a huge difference what funds are offered in each 401k.
by ruralavalon
Wed Jul 29, 2015 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question
Replies: 16
Views: 692

Re: Newbie question

Welcome to the forum :) . What other funds (fund names, tickers & expense ratios) are offered in your 401k? How much (in dollars) are you contributing to the 401k? How much (in dollars) is the employer match? About how much do you think that you might be able to contribute to investing in additi...
by ruralavalon
Wed Jul 29, 2015 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Investment Advice
Replies: 12
Views: 729

Re: Looking for Investment Advice

Welcome to the forum :) . Congratulations on your upcoming marriage. It's good to see that you are paying off the student debt. In my opinion your desired asset allocation (70/30, with 25% of stocks in international stocks) is within the range of what is reasonable. In order to give investing sugges...
by ruralavalon
Wed Jul 29, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Election
Replies: 7
Views: 412

Re: 401(k) Election

100% in stocks (100% in anything) is a bad idea in my opinion. My suggestion for a reasonable asset allocation at age 21 is around 80/20 stocks/bonds for your long-term/retirement investing. We get people advocating 100% stocks when we are having a long bull market, such as we have now. It's easy to...
by ruralavalon
Wed Jul 29, 2015 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: I am a Rookie. I need some investing help.
Replies: 17
Views: 1311

Re: I am a Rookie. I need some investing help.

Welcome to the forum :) . Congratulations on the "baby on the way". A little more information is needed in order to answer your questions. What is your marginal tax rate, both federal and state? Do you have any debt other than the mortgage note? If so, types, amounts and interest rates? Wi...
by ruralavalon
Tue Jul 28, 2015 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Election
Replies: 7
Views: 412

Re: 401(k) Election

Thanks for the welcome! I'll make sure to consider changing up my allocation. I have been debating whether I want to keep my Roth in the target retirement fund anyway. I think I can definitely at least contribute $5500, since I know if I doubled my roth contributions each week I'd still be doing fi...
by ruralavalon
Mon Jul 27, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: All REIT roth?
Replies: 20
Views: 1586

Re: All REIT roth?

Hi Jay, Rick Ferri often recommend this portfolio and refers to it as The Core Four. Best. Yes, exactly. Ferri is where I got the idea. Really I'm more curious if anyone has objections to an ALL ROTH REIT. Because I can only contribute $5500 per year, in order to keep my REIT allocation to 5-10% of...
by ruralavalon
Mon Jul 27, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Election
Replies: 7
Views: 412

Re: 401(k) Election

Welcome to the forum :) . It's good to see that you are debt free, that's a great way to start. It's nice to see that you are starting young. I think that your desired asset allocation is fairly reasonable, but suggest that you consider 20% in bonds. How much (in dollars) do you expect that you will...
by ruralavalon
Fri Jul 24, 2015 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up new portfolio
Replies: 17
Views: 1144

Re: Setting up new portfolio

Welcome to the forum :) . Take $15k and pay off the student loans. Set aside your $150k for a house in safe investments like short term federally insured CDs. For the rest, go ahead and buy your 3 fund portfolio. We have held Vanguard Total International Stock Market Index Fund, and 3-4 other stock ...
by ruralavalon
Fri Jul 24, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Do you take taxes into account when deciding your AA?
Replies: 6
Views: 723

Re: Do you take taxes into account when deciding your AA?

For the first time this year I'm going to be investing a sizeable (sizeable compared to my current NW) windfall in a taxable account. I'll probably have to rebalance when that happens. When I do, should I consider the taxes I'd have to pay on the 401k I have when calculating my total AA? Im almost ...
by ruralavalon
Fri Jul 24, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Employer Acquisition - Choosing New 401k Options
Replies: 8
Views: 661

Re: Employer Acquisition - Choosing New 401k Options

I agree with retiredjg's suggestions. Use the traditional 401k, and invest in -- BNY Mellon S&P 500 Index Fund Metropolitan West Total Return Bond Fund In your Roth IRA use -- Vanguard Total International Stock Market Index Fund You are not behind, so there is no need to be extra aggressive to t...
by ruralavalon
Thu Jul 23, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: New investor hammering out details of plan
Replies: 7
Views: 773

Re: New investor hammering out details of plan

80% Stocks, 20% bonds 10% Bonds (Following Vanguard Retirement % for equities/fixed income) 20% International . . . . . Plan D S&P500 for domestic stock with higher bond allocation suggested by ruralavalon Avg ER:0.594% *401k: S&P500 56%, bonds 20% *IRA: international (VGTSX) 24%, S...
by ruralavalon
Thu Jul 23, 2015 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 2533

Re: Greatly appreciate advice for my personal finances.

After reading Boglehead book I decided to do with index funds. Most of the stock index funds were from Columbia and had expense ratio of less than 0.2. So I divided between large, mid and small cap funds from them. They did offer vanguard funds which I picked up (reit and international markets whic...
by ruralavalon
Thu Jul 23, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 881
Views: 157934

Re: What Book Are You Currently Reading? Part VI

Amsterdam: A History . . . . . , by Russell Shorto. His thesis is that the Dutch, and Amsterdam in particular is entitled to much of the credit for the development of Western ideas of individual liberty. He attributes the onset of that development to individual ownership of reclaimed land, the coop...
by ruralavalon
Wed Jul 22, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 1662

Re: What's better: Lower Fees or Higher Potential Growth?

On switching the bond fund, who knows what's best? Both are intermediate-term and good credit quality. A few hundredths of a percent difference in expense ratio is unlikely to be significant. The two stock funds are cover different markets. You bought international for diversification, don't give u...
by ruralavalon
Wed Jul 22, 2015 6:22 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 881
Views: 157934

Re: What Book Are You Currently Reading? Part VI

How to Lie With Statistics , by Darrell Huff. It's actually about how to detect misrepresentations in media reports. Be suspicious of any report: of averages which doesn't say if it's mean, median or mode; of percentages without a stated margin of error; of percentages without a stated sample size;...
by ruralavalon
Tue Jul 21, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 2533

Re: Greatly appreciate advice for my personal finances.

Welcome to the forum :) . Sorry to hear of the divorce. Rolling the IRA over into your 401k may be a good idea. Will your 401k accept a transfer of your IRA? What are the 3-4 lowest expense ratio funds offered in the 401k? You don't need a large selection of good funds in order to make it useful. El...
by ruralavalon
Tue Jul 21, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Am I missing anything?
Replies: 8
Views: 809

Re: Am I missing anything?

ERguy101 Welcome to the forum :) . It sounds like you want portfolio planning, not portfolio management. Ten years ago we hired a fee-only advisor for a one-time fixed fee to help us: set up our portfolio, choose an asset allocation, select funds, and decide fund placement. We found that very helpf...
by ruralavalon
Tue Jul 21, 2015 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 1662

Re: What's better: Lower Fees or Higher Potential Growth?

On switching the bond fund, who knows what's best? Both are intermediate-term and good credit quality. A few hundredths of a percent difference in expense ratio is unlikely to be significant. The two stock funds are cover different markets. You bought international for diversification, don't give up...
by ruralavalon
Tue Jul 21, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: New investor hammering out details of plan
Replies: 7
Views: 773

Re: New investor hammering out details of plan

2. Following the AA with multiple accounts article using Plan A Use room in IRA for domestic small cap index Avg ER:0.598% *401k: S&P500 67%, S&P400 8% , bonds 10% *IRA: total international index stock index (VGTSX) 23%, small-cap index (NAESX) 5% +Lowest expense ratio -Follows fewe...
by ruralavalon
Tue Jul 21, 2015 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 758

Re: Help with 401K Selection Please

Forgot about a transaction fee, let me see. Just checked, vested immediately :) That's great news about the immediate vesting of the employer match. About how much (in dollars) do you think that you might be investing in total annually? About how much (in dollars) do you have to contribute to the 4...
by ruralavalon
Tue Jul 21, 2015 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Investing for 23 year old aggressive investor
Replies: 19
Views: 1577

Re: Investing for 23 year old aggressive investor

With $15k in bonds you should be OK without a bond fund for several years. What sort of bonds are those: treasury, corporate, muni? What is the remaining duration? I do think you should aim for at least 20% in bonds or bond funds. How much in dollars do you think you can contribute to all accounts ...
by ruralavalon
Tue Jul 21, 2015 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2880

Re: Left Ed Jones...what now?

I think that dratkinson may be right that your wife might be more comfortable with using Pyramis LifeCycle 2020 in her 401k, although using individual index funds would also work well. In my opinion you have made the best choice in your 401k, using the BlackRock Balanced Fund. I suggest selling the ...
by ruralavalon
Mon Jul 20, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2880

Re: Left Ed Jones...what now?

At age 45 and fairly conservative, consider around 20-25% of stocks in international stocks, or something like this for her 401k: 40% Fidelity Spartan Total Market Index Fund (FSKTX) ER 0.07% 15% BlackRock MSCI ACWI , ER 0.07% 45% BlackRock US Debt Index Non-Lending Class F, ER 0.08% Or 100% in one ...
by ruralavalon
Mon Jul 20, 2015 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for 23 year old aggressive investor
Replies: 19
Views: 1577

Re: Investing for 23 year old aggressive investor

With $15k in bonds you should be OK without a bond fund for several years. What sort of bonds are those: treasury, corporate, muni? What is the remaining duration? I do think you should aim for at least 20% in bonds or bond funds. How much in dollars do you think you can contribute to all accounts t...
by ruralavalon
Mon Jul 20, 2015 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review please
Replies: 3
Views: 558

Re: Portfolio Review please

Welcome to the forum :) . In my opinion your desired asset allocation of 70/30 stocks/bonds is within the range of what is reasonable. I suggest a minimum of 20% of stocks international stocks. Questions: 1. We have two fairly large positions in individual stocks (D,EMR) that my wife's father set up...
by ruralavalon
Mon Jul 20, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Appreciated!
Replies: 1
Views: 211

Re: Advice Appreciated!

Welcome to the forum :) Do you currently have any debt other than the home mortgage? What is your marginal tax rate, both federal and state? Can you please list your current accounts and investments? Please see the post "asking portfolio questions" for format and the details needed. Please...
by ruralavalon
Mon Jul 20, 2015 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 758

Re: Help with 401K Selection Please

Thanks guys, can you explain about the match thing. Will I loose it if I'm not there for the "vested" time frame? I'm just not sure what happens. If I invest it into a fund and it grows, will I have to give back the money that was contributed by the match exactly? Or how does that work? H...
by ruralavalon
Mon Jul 20, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 758

Re: Help with 401K Selection Please

okazaki wrote:Good news guys! I just found out I could do a self-directed brokerage account with Schwab! Cost is $95 per year. I think that's worth it, no?

Is there also a per transaction fee?
by ruralavalon
Mon Jul 20, 2015 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for 23 year old aggressive investor
Replies: 19
Views: 1577

Re: Investing for 23 year old aggressive investor

Welcome to the forum :) . Do you have any other investments? Why do you say that you consider yourself an aggressive investor? What is your marginal tax bracket? Do you have any debt? If so, types, amounts, and interest rates? . . . . . In the 401k use: Vanguard Institutional Index I (a S&P 500 ...
by ruralavalon
Mon Jul 20, 2015 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 758

Re: Help with 401K Selection Please

You should definitely contribute enough to the 401k to get the full match each year. That's always the first priority. Please do find out if the loads are waived. Funds that seem useable include: Oakmark International I (OAKIX) ER 0.95% PIMCO Total Return D (PTTDX) ER 0.75% There may be other useabl...
by ruralavalon
Sun Jul 19, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 881
Views: 157934

Re: What Book Are You Currently Reading? Part VI

Forgotten Tales of Michigan's Upper Peninsula, by Lisa A. Shiel. Odd stories about the U.P. in the late 19th and early 20th centuries about earthquakes, wildlife, miners, loggers, ships, railroading, crimes, crazy behavior, and folk tales, all based on newspaper articles of the time.
by ruralavalon
Sun Jul 19, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1340

Re: Two potential taxable account allocations

I personally like # 1 for broad diversification, low expense ratios, simplicity, easy management and tax-efficiency. But if you want complex, here is an alternative #4: 25%, S&P 500 Index Fund VFIAX 25%, Small-Cap Value Index Fund VSIAX 25%, International Value Fund VTRIX 25%, FTSE All-World Ex-...
by ruralavalon
Sun Jul 19, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Need Portfolio Help!
Replies: 7
Views: 625

Re: Need Portfolio Help!

Use VBTLX in your tax-sheltered Roth for the bond portion. Tax-exempt is best suited for taxable. I like all three for rebalancing with new funds. But isn't the Total Bond Market Index Fund not tax efficient in a Roth IRA? Investments, and the interest dividends or gains, in a Roth IRA are not taxe...
by ruralavalon
Sun Jul 19, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: ML 401k, BoA employee, roll to Vanguard??
Replies: 7
Views: 444

Re: ML 401k, BoA employee, roll to Vanguard??

Welcome to the forum :) . You cannot move the 401k to Vanguard, you must leave it where it is. You do not have to take ML's advice, you can make your own decision about what funds to use in the 401k. If you want ideas on what funds to use, then list the 2-3 lowest expense ratio funds in each categor...
by ruralavalon
Sat Jul 18, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 466
Views: 65920

Re: What are you up YTD? [Year To Date]

50/50 asset allocation, retired, age 69.

Up 2.74% YTD per Morningstar portfolio manager.

Best this year is Vanguard Total International Stock Index Fund.
by ruralavalon
Sat Jul 18, 2015 8:55 am
Forum: Investing - Help with Personal Investments
Topic: We are in our fifties and I am afraid it is too late
Replies: 13
Views: 3378

Re: Splurge now?

I would like to spend more money on renovations of new space. I have never done anything based on desire but only based on necessity. I feel guilty and worried that if I splurge, I will regret it in the future. Herb7949: Whenever we receive a windfall and have the money, we have a great temptation ...
by ruralavalon
Sat Jul 18, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: What to do with ~$100k?
Replies: 7
Views: 1359

Re: What to do with ~$100k?

Welcome to the forum :) . 1) Take your time deciding, there is no rush. 2) Beware of anyone trying to sell you any type of investment. 3) Read the wiki article on windfalls linked by niceguy7376 4) Read the wiki article on "Bogleheads Investment Philosophy". 5) Post more details as suggest...

Go to advanced search