Search found 6285 matches

by ruralavalon
Tue Aug 04, 2015 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with my asset allocation plan.
Replies: 2
Views: 102

Re: Need help with my asset allocation plan.

Welcome to the forum :) . Hi All, I'm 43 years old and am investing about US$100k of a windfall for retirement in 20+ years. I'm not experienced, but in preparation I read four personal finance books and am leaning toward the following asset allocation plan via (mostly Vanguard) ETFs with very low e...
by ruralavalon
Tue Aug 04, 2015 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio implementation
Replies: 5
Views: 274

Re: 3 fund portfolio implementation

I just started a new job and will begin contributing to the 401k next pay period with a 5% match. I have around 5k in a taxable account that is mostly for emergencies (with around 3k in a low interest savings account with my bank) also for emergency use. My desired allocation is in the ballpark of ...
by ruralavalon
Tue Aug 04, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: 32 Year old Needs Advice on Investing
Replies: 5
Views: 529

Re: 32 Year old Needs Advice on Investing

Welcome to the forum :) . Whether you should move the old 401k depends on a number of factors such as: (1) the funds and expense ratios offered in the old 401k, (2) the funds and expense ratios offered in the new 401k, and (3) whether the new 401k will accept a transfer from the old 401k. Is there a...
by ruralavalon
Tue Aug 04, 2015 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Advise
Replies: 2
Views: 166

Re: 401K Advise

What other accounts do you have? What are you now contributing to total investing, in addition to what you contribute to get the employer match? Do you have any debt? If so types, amounts and interest rates? What is your age? What is your marginal tax bracket, both federal and state? About how long ...
by ruralavalon
Tue Aug 04, 2015 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio implementation
Replies: 5
Views: 274

Re: 3 fund portfolio implementation

Do you have any other accounts, like a 401k or a taxable account?

Do you have a desired asset allocation that you want to aim for?
by ruralavalon
Tue Aug 04, 2015 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review Requested [UPDATE]
Replies: 17
Views: 1398

Re: Asset Allocation Review Requested

Baseline Portfolio Target Allocation as of 7/1: 25% Large Cap Stock; 22% Cash & Bonds; 18% Company Stock; 12.5 Mid Cap Stock; 12.5 Small Cap Stock; 10% Foreign Stock Hi again all. Just wanted to share an update and ask again for comments; I have really appreciated this thread and have referred ...
by ruralavalon
Tue Aug 04, 2015 8:57 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 895
Views: 160319

Re: What Book Are You Currently Reading? Part VI

Ranch Life and the Hunting-Trail , by Theodore Roosevelt. Descriptions of Roosevelt's experiences in cattle ranching, including trail drives, herding, roundup, and branding, in the 1880's near the Badlands of South Dakota. Includes descriptions of frontier characters, as well as his hunting experie...
by ruralavalon
Mon Aug 03, 2015 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

How to do partial quotes? Sometimes I use the quote ( " ) button (upper right in each post) to copy the whole post, and then just delete the part I will not be replying to. Sometimes I copy the part of the post I want to refer to, then hit "post reply", and then paste the partial quot...
by ruralavalon
Mon Aug 03, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

I did have one other question - when I turned off "dividend reinvestment" I noticed there was another choice for capital gains being reinvested. (I left that alone - please let me know if I was supposed to turn that off as well...) Turn off reinvestment of gains as well. And do I understa...
by ruralavalon
Sun Aug 02, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

they-kemp

Be sure to read the CAUTION which I added to my earlier post with the example portfolio. Wiki article, "Wash sale".
by ruralavalon
Sun Aug 02, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

Here is an example portfolio to consider, using that asset allocation. Ruralavalon - out of curiosity, did you keep many of the funds in taxable for tax consideration? Meaning, if OP sold too many funds at once, the tax liability would be higher? I suggested selling the two funds with capital losse...
by ruralavalon
Sun Aug 02, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

. . . . I'd like my AA to be 70%/30% bonds. I'm wondering now if I should "ladder into" bonds after the initial purchase for Admiral Shares or put in enough to adjust the AA to the 70/30. A 70/30 asset allocation, with 20% of stocks in international stocks works out to about: 30% bonds; 1...
by ruralavalon
Sun Aug 02, 2015 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

Age: 59 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 15-20% of stocks; even less if advised. I encourage you to re-think your desired asset allocation. At age 59, and 3 - 6 years from expected retirement, 60/40 stocks/bonds would be more reasonable in my opinio...
by ruralavalon
Sun Aug 02, 2015 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

I have a pension plan in place that will provide a monthly annuity for life: approx. $1600-$1700\month. I have 20 years with the employer so I could retire now. (but have no desire to). But I am wondering if I could ‘safely retire’ at 62 instead of 65. More detail is needed in order to reply to you...
by ruralavalon
Sun Aug 02, 2015 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Brand new to investing - Advice sought
Replies: 11
Views: 728

Re: Brand new to investing - Advice sought

Do you have a 401k, 403b etc. offered at your job? If so that really is the place to start.

If there is a work-based plan at your job is there employer match offered? If you have a work-based plan offered at your job, what are the funds offered in it (fund names, tickers & expense ratios)?
by ruralavalon
Sat Aug 01, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

Questions: 1. I am frustrated with the number of funds I have in my Taxable Vanguard Account… (I get advice from a family member) and the low rate of return at Vanguard (only 6-7% the last 2 years). I would like to have less funds and better returns. Would you recommend the “3-fund approach” in the...
by ruralavalon
Sat Aug 01, 2015 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help choose 401(k) funds as well as invest my savings
Replies: 5
Views: 369

Re: Help choose 401(k) funds as well as invest my savings

Welcome to the forum :) . It's great to see that you are now debt free. That's always a good way to start. Please state the expense ratios for each fund offered in your 401k. You can simply add that to your original post using the edit button, so that all of your information is in one place. The exp...
by ruralavalon
Sat Aug 01, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?
Replies: 27
Views: 1180

Re: Less funds in Taxable acct; better funds at TRowe or Fidelity for 403B?

Welcome to the forum :) . In the 403b I would use Fidelity rather than T. Rowe Price. Fidelity has 15 very low expense Spartan index funds that you can use. That's more than at T. Rowe Price. You are right that simplifying the funds in the taxable account can involve transactions that might create t...
by ruralavalon
Sat Aug 01, 2015 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Just got a new job, but 401k's investment options don't include Vanguard. Which should I choose?
Replies: 10
Views: 1061

Re: Just got a new job, but 401k's investment options don't include Vanguard. Which should I choose?

Kill off that last $2k of student loan @ 6%. I urge you to consider adding a bond allocation, perhaps 20% of the portfolio. I do think that the Schwab S&P 500 Select Fund, ER 0.09%, is the obvious first choice for what to use in the new 401k. You are very light on domestic large cap in the other...
by ruralavalon
Sat Aug 01, 2015 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs. Fidelity vs. Vanguard for Advisor Custodian Account
Replies: 15
Views: 872

Re: Schwab vs. Fidelity vs. Vanguard for Advisor Custodian Account

My first choice is Vanguard, because they have the widest selection of low expense mutual funds offered anywhere.

My second choice would be Fidelity, they offer about 15 low expense ratio Spartan index funds.

Schwab offers only 6 or 7 low expense ratio index funds.
by ruralavalon
Sat Aug 01, 2015 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Brand new to investing - Advice sought
Replies: 11
Views: 728

Re: Brand new to investing - Advice sought

Welcome to the forum :) . It's great to see that you are debt free. Is there a work-based plan at your employer (such as a 401k, 403b, 457, etc. )? If so that's probably the place to start. If so, is there an employer match in the plan? If there is no 401k etc. , then contribute $5.5/yr to an IRA. I...
by ruralavalon
Sat Aug 01, 2015 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I roll my 401k to Wells Fargo or Fidelity?
Replies: 14
Views: 945

Re: Should I roll my 401k to Wells Fargo or Fidelity?

What you really need to look at is the cost as well as fund options between the choices. If you list them here, we can give opinions based on the facts rather than general impressions that Wells Fargo and Merrill lynch have much higher fees than some of the offerings at Fidelity, as well as our gen...
by ruralavalon
Sat Aug 01, 2015 9:27 am
Forum: Investing - Help with Personal Investments
Topic: I am a Rookie. I need some investing help.
Replies: 23
Views: 1901

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

I can roll over my Ira to my 401k. I am waiting for my wife to send me the details In that case it's clear that you should transfer the rollover IRA into your 401k. There really is no downside to doing that. That means one less account to keep track of and manage. There are several good low expense...
by ruralavalon
Sat Aug 01, 2015 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Looking for Investment Advice
Replies: 15
Views: 1066

Re: Looking for Investment Advice

For international in your Roth IRA you could use Vanguard Total International Stock Market Index Fund Investor Shares (VGSTX) ER 0.22%, initial minimum investment of $3k. The lower expense ratio on the target retirement fund wouldn't change my recommendation, although the lower expense ratio (0.42%)...
by ruralavalon
Fri Jul 31, 2015 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Investment Advice
Replies: 15
Views: 1066

Re: Looking for Investment Advice

My fiancee's 401(k) plan through work automatically signed her up for a target date retirement fund. The expense ratio for the Target Date retirement fund is 0.89% and I was hoping I could get advice on which funds to recommend she invest in and the allocation to utilize. The choice of bonds is not...
by ruralavalon
Fri Jul 31, 2015 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: I am a Rookie. I need some investing help.
Replies: 23
Views: 1901

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

Can you please list the other funds (fund names, tickers & expense ratios) offered in her 401k? The target retirement fund she is now using is expensive (ER 0.76%), and it would be better to use other well diversified funds with lower expense ratios if available. It's often best to coordinate th...
by ruralavalon
Fri Jul 31, 2015 10:19 am
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 23
Views: 887

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: 23
Views: 887

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: 23
Views: 887

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: 895
Views: 160319

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: 23
Views: 887

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: 23
Views: 1901

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: 15
Views: 1066

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: 736

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: 23
Views: 887

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: 291

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: 139

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: 23
Views: 887

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: 736

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: 15
Views: 1066

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: 422

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: 23
Views: 1901

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: 422

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: 1607

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: 422

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: 1168

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: 724

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: 662

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: 780

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...

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