Search found 4774 matches

Return to advanced search

Re: Equity Allocation Review

Looks well diversified in my opinion. That's 24 funds, so probably lots of unnecessary overlap and duplication. You say its "mostly in taxable accounts". I would not make any suggestions about fund changes, without knowing what's in tax protected accounts, what's in taxable, and the gain/l...
by ruralavalon
Mon Sep 15, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Equity Allocation Review
Replies: 6
Views: 231

Re: Investment advice for a young beginner

Unless your employer offers a 401k with a match, open a Roth IRA at Vanguard and start by using Vanguard LifeStrategy Growth Fund, VASGX.

Read the "Bogleheads' Investment Philosophy" on the wiki, and a book from the "Books and Authors" link there.
by ruralavalon
Mon Sep 15, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a young beginner
Replies: 4
Views: 214

Re: Active v Index Fund Performance

Welcome to the forum :) . Its not impossible for a managed fund to outperform the S&P 500 fund. Its just very unlikely. Its easy in hindsight to pick out a better performing fund over the last 30 years. American Funds Growth Fund of Amer A AGTHX vs Vanguard 500 Index Admiral VFIAX , $399k vs $30...
by ruralavalon
Mon Sep 15, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Active v Index Fund Performance
Replies: 5
Views: 273

Re: Feeling smug until 10 year ROR from Vanguard

50/50 asset allocation

9.1% last 5 years

7.6% since inception (last 9.75yrs)
by ruralavalon
Mon Sep 15, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 73
Views: 5829

Re: What's in your tax advantage accounts?

Roth IRAs, small cap value.

Taxable, total international.

Rollover trad. IRA, bonds, REIT, total stock market.
by ruralavalon
Mon Sep 15, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 28
Views: 1288

Re: Time + Savings Rate > Asset Allocation

Starting early is important.

Early in investing a high savings rate is the most important factor (under your control) in portfolio growth.

Low expenses are always an important factor in portfolio growth.

Later asset allocation is the more important factor.
by ruralavalon
Mon Sep 15, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Time + Savings Rate > Asset Allocation
Replies: 17
Views: 1469

Re: Portfolio help. How should I invest the cash in my Roth

Welcome to the forum :) . Its great to see that you have no consumer debt. You have some excellent funds offered in both the 401k and the 403b. In your 401k I would not pass up the opportunity to use -- Vanguard Institutional Plus Index Fund VIIIX, ER 0.02%, and Vanguard Total Bond Market Institutio...
by ruralavalon
Mon Sep 15, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help. How should I invest the cash in my Roth IRA?
Replies: 4
Views: 473

Re: Percentage of bond money in foreign bonds

I just ran Vanguards Portfolio watch on my investments. It analyzes your investments. I got one of those "consider" banners. It says this: "Holding more foreign bonds can potentially increase the level of diversification in your portfolio. Allocating up to 20% of your bond portfolio ...
by ruralavalon
Sun Sep 14, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percentage of bond money in foreign bonds
Replies: 8
Views: 717

Re: When should I add funds

Welcome to the forum :) . More information is needed. What is your age? It's hard to assess your asset allocation without knowing how old you are. What is the interest rate on that $94k in student loan? If higher interest, aggressively paying off the loan could be your best investment. What are the ...
by ruralavalon
Sun Sep 14, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: When should I add funds
Replies: 2
Views: 420

Re: What Book Are You Currently Reading? Part V

Light of the Western Stars , by Zane Grey. Set in Southern New Mexico in the early 1900s this story has cowboys, Mexican revolutionaries, out of place Easterners, a British Lord, tall tales told around a campfire, kidnapping, gunfights, murders and a corrupt Sheriff. It even has a comical chapter a...
by ruralavalon
Sun Sep 14, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3336
Views: 1140914

Re: treating all investment accounts as one pool of money

I have read on here before that one should treat all investment accounts as a single pool of money for the purposes of asset allocation. When people say that they are generally referring to retirement savings only. That's when talking about saving and investing for retirement. We used to have two s...
by ruralavalon
Sat Sep 13, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2086

Re: Need advice on which tablet to buy

Original Kindle Fire? Anyone still use one? Or if not, when did you get rid of it and why? As noted in my post before yours, I have an original 8.9" if that fits your definition of "original" which I use most nights for reading books and maybe a little browsing and many mornings for ...
by ruralavalon
Sat Sep 13, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 40
Views: 2026

Re: Need advice on which tablet to buy

I have looked at a few previous threads but didn't see anything recent on this. Looking to buy a new tablet. I have the original iPad but having trouble bringing myself to spend much for a new ipad. I use the tablet mostly for: reading web browsing video streaming (mostly Amazon Prime) some childre...
by ruralavalon
Fri Sep 12, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 40
Views: 2026

Re: Two Fund real Lazy Portfolio?

Funkey wrote:
avalpert wrote:In what way does it seem to you that the risk factor is reduced?


On Vanguard risk scale total bond market is 2 total stock market is 4 total international stock market is 5.

However, the portfolio as a whole is less risky (less volatile) if it includes all three.
by ruralavalon
Fri Sep 12, 2014 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 19
Views: 2118

Re: Comm of PA 457 or Vanguard IRA?

You have few responses because term two choices are both good. The government 457 will have a higher maximum annual contribution limit, and will allow automatic contributions from your paycheck.The expenses are low, and the fund selections look good. There will be no initial minimum investment requi...
by ruralavalon
Fri Sep 12, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Comm of PA 457 or Vanguard IRA?
Replies: 11
Views: 796

Re: Two Fund real Lazy Portfolio?

Yes that can be done, some people here do just that. It is a diversified portfolio, just not as diversified as including international.
by ruralavalon
Fri Sep 12, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 19
Views: 2118

low expense mobile phone?

I have a Samsung Droid Charge with Verizon service. The phone is paid for, but I want to end the $80/mo. Verizon fee since I use very little phone or data service. I have just bought a tablet for portable computer functions, so don't need a "smart" phone. I would like to switch to a low ex...
by ruralavalon
Thu Sep 11, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: low expense mobile phone?
Replies: 16
Views: 1325

Re: invest in this 401K or not

Expense ratios for funds as offered in a 401k are often different than the expense ratios charged for the same funds when offered elsewhere. Sometimes the ERs in the 401k are higher, sometimes lower. So it's essential to know the ERs as offered in the 401k. Since the ERs for the Vanguard funds in yo...
by ruralavalon
Thu Sep 11, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 919

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

Asset allocation. As I mentioned asset allocation is something that you need to decide, based on what you will feel comfortable with. You need to decide this before selecting accounts to fund or selecting investments to use. Please read the links I provided and decide for yourself what feels right ...
by ruralavalon
Thu Sep 11, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1346

Re: New to investing and need assistance - 401k rollover

In my opinion, its going to be best to transfer the old Wells Fargo 401k into her new 401k at Fidelity, rather than to a rollover IRA. In the new 401k she can get all of the core domestic index funds at expense ratios as low as, or a bit lower than, she could get at Vanguard -- VANGUARD INST INDEX (...
by ruralavalon
Thu Sep 11, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: New to investing and need assistance - 401k rollover
Replies: 9
Views: 480

Re: First post, Investment Questions

Welcome to the forum :) . Don't be nervous, take your time. Your selection of a a book to start is a good one, if interested here are some other book ideas: "Suggested Reading" . Please take a look at these wiki articles: "Bogleheads® investment philosophy" ; "Getting starte...
by ruralavalon
Wed Sep 10, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: First post, Investment Questions
Replies: 31
Views: 1182

Re: Portfolio help for a newbie

Welcome to the forum :) . That's a wonderful employer contribution in her 401k. Questions: 1. Does my portfolio seem reasonable? 2. It seems complicated rebalancing my portfolio with different amounts of contributions adding to different accounts each month. Should I just do it once a year? I am jus...
by ruralavalon
Wed Sep 10, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for a newbie
Replies: 4
Views: 461

Re: New to investing and need assistance - 401k rollover

Can you also list the expense ratios for -- SPTN INTL INDEX ADV (FSIVX) PIM TOTAL RT INST (PTTRX) VANG TOT BD MKT INST (VBTIX) if as low as expense ratios you have Listed so far, then its probably going to be best to transfer the old Wells Fargo 401k into her new 401k at Fidelity, rather than to a r...
by ruralavalon
Wed Sep 10, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing and need assistance - 401k rollover
Replies: 9
Views: 480

Re: Needing help with a Vanguard 401k

Yes those assumptions are all correct if an in-service rollover means the employee is still working for the company I guess I don't know what an in-service rollover is Before my retirement, I did a partial in service rollover from my 401k to a Vanguard IRA. The point was to get low expense funds to...
by ruralavalon
Wed Sep 10, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Needing help with a Vanguard 401k
Replies: 22
Views: 1167

Re: No good bond funds available. Other options?

I am right under under the 28% tax bracket and will probably be there within a few months so wouldn't it be better to use a Roth instead of a Traditional IRA for the personal Vanguard account? Yes, that weighs in favor of using a Roth. "If you expect to be in a higher tax bracket than your cur...
by ruralavalon
Wed Sep 10, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: No good bond funds available. Other options?
Replies: 15
Views: 1237

Re: New to investing and need assistance - 401k rollover

Welcome the forum :) . Some very general answers. Will the new 401k @ Fidelity accept a transfer from an old 402k? She has to check the plan documents for the new plan with her current employer. If so, what are the lowest expense funds offered in the new 401k plan? What Fidelity Spartan funds, if an...
by ruralavalon
Wed Sep 10, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing and need assistance - 401k rollover
Replies: 9
Views: 480

Re: 401k Plan options - picking the best of the worst

Great West Bond Index Fund, ER 0.50% (MXBIX) is a good credit quality, intermediate term bond fund which tracks Barclays U.S. Aggregate Bond Index. That is the same index as tracked by Vanguard's Total Bond Market Index Fund. That fund is good choice.
by ruralavalon
Wed Sep 10, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan options - picking the best of the worst
Replies: 2
Views: 200

Re: I've been going all tax-deferred, considering to go taxa

Yes keep up the tax deductible contributions, don't reduce that.

Trim expenses a bit to start a taxable account.
by ruralavalon
Wed Sep 10, 2014 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3402

Re: $1000 to Invest - Need Help!

While I have people's attention (if anyone is paying attention), I have a question about target date retirement accounts. Mine is set up to be 90% stock, 10% bond - is this too risky? As I mentioned before, I'm young and have little funds in the account (I plan on having $3,000 in the account by th...
by ruralavalon
Wed Sep 10, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: $1000 to Invest - Need Help!
Replies: 17
Views: 1095

Re: invest in this 401K or not

What are the funds offered (fund name, ticker & expense ratio) in the 401k?
by ruralavalon
Wed Sep 10, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 919

Re: No good bond funds available. Other options?

Age: 31 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30% of stocks In my opinion your desired asset allocation is within the range of what is reasonable. That works out to about: 30% bonds; 20% international stocks; and 50% domestic stocks. In applying your des...
by ruralavalon
Tue Sep 09, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: No good bond funds available. Other options?
Replies: 15
Views: 1237

Re: General Portfolio and Allocation Questions

Age:29 Desired Asset allocation: 100% stocks / Possibly 10% bonds Desired International allocation: 25% of stocks In my opinion your desired asset allocation is fairly reasonable, although I normally suggest a minimum of 20% in bonds: wiki, on risk . Your desired asset allocation works out to about...
by ruralavalon
Tue Sep 09, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Portfolio and Allocation Questions
Replies: 7
Views: 660

Re: No good bond funds available. Other options?

stevend wrote:Prudential (Traditional IRA) - $5k <----Current company account

Is this your 401k, or just a third IRA?
by ruralavalon
Tue Sep 09, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: No good bond funds available. Other options?
Replies: 15
Views: 1237

Re: General Portfolio and Allocation Questions

That's correct. So I only have retirement in mind at the moment. I would expect some increases to expenses. I'll just round to $10,000 a year drawn out of cash reserves. The options i'm thinking are draw on cash for expenses till its gone in 6 years. Figure out some kind of split in to retirement/t...
by ruralavalon
Tue Sep 09, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Portfolio and Allocation Questions
Replies: 7
Views: 660

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

bigjones wrote:Would you split the two funds in her 401k 50/50?

I will give you an example portfolio idea for you to consider later today, no time now.

bigjones wrote:We currently both have HSAs but they have no balance,

What are the fund choices (fund names, tickers, & expense ratios) offered in each of the HSAs?
by ruralavalon
Tue Sep 09, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1346

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

bigjones wrote:Reduced my 401k back down to 5% today so i could still get the 4% match. Also going to use the difference for the next few months to help pay down that CC.

I think that's a good idea.
by ruralavalon
Tue Sep 09, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1346

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

Its good to see that you are aggressively attacking that credit card debt. His 401k: Currently total is $20008. Typo??? CONTRIBUTIONS: $209 his 401k $67 employer match $113 her 401k $45 employer match Is that per month? Weekly? Twice per month? It does look like wife's 401k has the better fund choic...
by ruralavalon
Mon Sep 08, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1346

Re: No good bond funds available. Other options?

Welcome to the forum :) . It's great to see no student loans or credit card debt. Your desired asset allocation is within the range of what is reasonable, in my opinion. What is the current balance in the 401k? Consider transferring the three IRAs to Vanguard, and buying your bond and international ...
by ruralavalon
Mon Sep 08, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: No good bond funds available. Other options?
Replies: 15
Views: 1237

Re: Vanguard is #1

At 51% , Vanguard received more votes than all the rest combined.
by ruralavalon
Mon Sep 08, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard is #1
Replies: 3
Views: 674

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

If I contribute 5% of my salary my job will contribute 4%. In two months I will be in a position to contribute the full 17500 as well as $6500 to max out my HSA and my wife will be able to contribute the full $17500 and $3000 to HSA or something else. I don't have or know what type of allocation I ...
by ruralavalon
Mon Sep 08, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1346

Re: General Portfolio and Allocation Questions

Gross Yearly Income: $36,000 . . . . . To get as close to $17,500 as I can, my monthly contributions for the remainder of 2014: 401K - $1,750 or 60%. Employer Contributions: 401k - $100 3.5% max match. HSA - $200/HSA match - $56. To max out retirement accounts for 2015 I will invest 45% in 401K. As...
by ruralavalon
Mon Sep 08, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: General Portfolio and Allocation Questions
Replies: 7
Views: 660

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

I just looked at my annuity info a bit more and its labeled as a 90 FPA-U FLEXIBLE PREMIUM DEFERRED ANNUITY - says i have guaranteed 3% rate of return. What are the ongoing expenses in the annuity? What is the expense to cancel? Do you have a target asset allocation (desired stock/bond mix) that yo...
by ruralavalon
Mon Sep 08, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1346

Re: Roth IRA Question

I also suggest moving the IRA to Vanguard to avoid sales loads, fees etc, and to get access to their very broad selection of low expense funds. What funds (fund names, tickers & expense ratios) are you currently using in the 401k? What additional funds are offered there? The usual idea is to use...
by ruralavalon
Sun Sep 07, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Question
Replies: 6
Views: 558

Re: General Portfolio and Allocation Questions

Welcome to the forum :) . Its great to see that you are debt-free, that puts you far ahead of many of your contemporaries. My main concern is how to include my cash assets into my investment portfolio. I want to utilize vanguards services and their admiral shares. The only goal I have right now is r...
by ruralavalon
Sun Sep 07, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Portfolio and Allocation Questions
Replies: 7
Views: 660

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

Welcome to the forum :) . My question is that it appears my only investments or fund family inside of my Modern Woodmen 401k is American Funds. . . . . . The best i can tell the fees for most of the American Funds are 1.35-1.7% depending on which fund. . . . . . In a few months im wanting to MAx out...
by ruralavalon
Sun Sep 07, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1346

Re: Question on Buffet's recent investment advice

Welcome to the forum :) . Here is what he said in the recent Bkh shareholders letter -- My advice to the trustee could not be more simple: Put 10 percent of the cash in short-term government bonds and 90 percent in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.)” U.S. News, "The...
by ruralavalon
Sat Sep 06, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Buffet's recent investment advice
Replies: 8
Views: 1722

Re: looking for advice on 401K funds/contributions

Here is a very generic idea, 70/30 stocks/bonds, with 30% of stocks in international. VBTIX (Vanguard Total Bond Market Index I), 30% VGSNX (Vanguard REIT Index I), 05% VTSNX (Vanguard Total Intl Stock Index I), 20% VINIX (Vanguard Institutional Index I), 35% VIEIX (Vanguard Extended Market Idx I), ...
by ruralavalon
Sat Sep 06, 2014 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: looking for advice on 401K funds/contributions
Replies: 5
Views: 379

Re: Where to invest after 401k & IRA are Maxed

Either Vanguard Total Stock Market Index Fund VTSAX or Vanguard Total International Stock Market Index Fund VTIAX in the taxable account would be good.
by ruralavalon
Sat Sep 06, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest after 401k & IRA are Maxed
Replies: 8
Views: 732

Re: Reinvest dividends and capital gains?

I am retired. We automatically reinvest gains and dividends the the IRAs. In the taxable account they go to a money market fund, and are then spent for living expenses.

Before retirement, gains and dividends were automatically reinvested in all accounts.
by ruralavalon
Sat Sep 06, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends and capital gains?
Replies: 44
Views: 3745

Re: Vanguard Healthcare Fund [Portfolio help]

My question is this, would it be reasonable to add Vanguard's Healthcare fund (VGHCX) to His Roth IRA for diversification reasons? Most of the info I've found on this site is years old and I haven't read many posts about this fund, recently. From my research, this fund seems to behave differently f...
by ruralavalon
Fri Sep 05, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund [Portfolio help]
Replies: 12
Views: 937
Next

Return to advanced search