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Re: AA for a spoiled young buck

Summarizing some of what has been suggested here is a portfolio idea, allocated 80/20 stocks/bonds, with 30% of stocks in international: Taxable account (62%; add $10-15k/yr) 30%, Vanguard 500 Index Admiral (VFIAX), 0.05% 07%, Vanguard Extended Market Index Admiral (VEXAX), 0.10% 25%, Vanguard Total...
by ruralavalon
Thu Jul 24, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA for a spoiled young buck
Replies: 26
Views: 3822

Re: Help a beginner

Welcome to the forum :) Its great to see that you are making the maximum contributions to your retirement accounts. You are fortunate to have Vanguard as an option in your 403b. My questions: I need to figure out what to invest in through my Vanguard 403b. I believe I qualify for some super-low expe...
by ruralavalon
Wed Jul 23, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a beginner
Replies: 9
Views: 903

Re: Where is your brokerage account?

Our brokerage account is with Vanguard. New college graduate just beginning to have some income to invest. I've owned mutual funds with Vanguard for a few months and now I want to purchase ETFs through Vanguard too. If Whether you want a taxable account or an IRA, I suggest an account at Vanguard. I...
by ruralavalon
Wed Jul 23, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2594

Re: Need Help and totally confused!!

Hello All, I'm very new to this site and to investing in general. Unfortunately I am forced to learn via "trial by fire" method. I lost my wonderful husband of 27 years last February (2013) at the very young age of 55. I'm 53. I totally admit that I was the "child rearer" while ...
by ruralavalon
Wed Jul 23, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help and totally confused!!
Replies: 28
Views: 1786

Re: years of investing and balances

I'm a new investor and starting very late ( 38 yrs) Just curious to know what ages did y'all start investing and how many years did it take for you to get to your 1st million. Seems like its going to take me forever... Age 38 is not "very late". We didn't really start until about then and...
by ruralavalon
Wed Jul 23, 2014 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 23
Views: 1938

Re: Please recommend a low fee index fund with no min. inves

Welcome to the forum :) . Please recommend a low fee index fund with no min. invest. . . . . . My girlfriends and I would like to each save $100/month for the next 5-6 years, . . . . . I'd like to recommend we choose a low cost index mutual fund. . . . . . . I also don't like the idea of an ETF . . ...
by ruralavalon
Wed Jul 23, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please recommend a low fee index fund with no min. invest.
Replies: 15
Views: 1481

Re: VWENX vs. VFIAX?

Could you please explain the pros and cos in choosing one over the other (is it just risk appetite?)? They are not comparable at all, they are different types of investments Vanguard Wellington Admiral, VWENX, is a balanced fund, 70% stock/30% bonds,with about 15% of stock in international stocks l...
by ruralavalon
Wed Jul 23, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWENX vs. VFIAX?
Replies: 5
Views: 333

Re: VWENX vs. VFIAX?

welcome to the forum :) . Could you please explain the pros and cos in choosing one over the other (is it just risk appetite?)? They are not comparable at all, not the same type of investment. Vanguard Windsor Admiral, VWNEX, is a large cap value stock fund, 80% U.S stocks & 20% international st...
by ruralavalon
Wed Jul 23, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWENX vs. VFIAX?
Replies: 5
Views: 333

Re: Which tax advantage accounts do I use for 3-funds?

I'm planning to start a solo 401k plan (im self employed). I already have a Roth IRA. If I'm investing in the traditional boglehead 3-fund portfolio. Am I better off putting some investments in the Roth and others in solo 401k? Can anyone offer advice please? Thanks. Assuming only those two account...
by ruralavalon
Tue Jul 22, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 30
Views: 1960

Re: Adding Corporates to Total Bond Market Index

The bond part of our portfolio is about 40% Treasurys and about 60% Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX), ER 0.10%.
by ruralavalon
Tue Jul 22, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 6600

Re: NY Times Article - a case for index investing

A new study by S.&P. Dow Jones Indices has some fresh and startling answers. The study, “Does Past Performance Matter? The Persistence Scorecard,” provides new arguments for investing in passively managed index funds — those that merely try to match market returns, not beat them. New arguments?...
by ruralavalon
Tue Jul 22, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 2931

Re: Evaluating Vanguard CFP Recommendations

I am looking into putting 75% of this in a Vanguard Managed Account (set it and forget it) Vanguard CFP recommends asset allocation as follows: Total Stock market Index (VTSAX) 42%, Total International Index Stock (VTIAX) 18%, Intermediate Term Investment Grade 9.6% (VBILX), Total Bond Index (VBTCX...
by ruralavalon
Tue Jul 22, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating Vanguard CFP Recommendations
Replies: 23
Views: 1792

Re: how often do you look at your account

I check on Morningstar's Portfolio Manager almost daily. I Login to Vanguard about every 1 - 3 months when transferring money to our checking account.
by ruralavalon
Mon Jul 21, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3588

Re: incorporating bonds into our portfolio

The 1 option I have for a bond index fund in my 401k has an expense ratio of 0.10%, focuses on intermediate-term bonds, uses "BarCap US Agg Bond" (this is the description on the information page for the fund) as it's benchmark, and uses State Street Global Advisors as the investment manag...
by ruralavalon
Mon Jul 21, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: incorporating bonds into our portfolio
Replies: 6
Views: 749

Re: AA for a spoiled young buck

Its great to see that you have no credit card debt or other consumer debt. With $265k at age 25, you are clearly ahead of the pack. Age: 25 Individual stocks (Not counting them in any allocations because it is fun money) : Under 10% of total portfolio value Desired Asset allocation: 98% stocks / 2% ...
by ruralavalon
Sat Jul 19, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA for a spoiled young buck
Replies: 26
Views: 3822

Re: Complete Portfolio Rebalancing: Lump or DCA?

All at once, why prolong the process? The older portfolio has higher fees, why continue to pay higher expenses? Don't take money out of the market and let it sit idle, jump right back in. R. Ferri, "4 Rules for Investing a Lump Sum" . "Was this money from an employer pension plan? If ...
by ruralavalon
Sat Jul 19, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Complete Portfolio Rebalancing: Lump or DCA?
Replies: 9
Views: 948

Re: Can't decide to keep 401k with previous employer or move

I would not transfer to a rollover IRA, you ruin the prospect of a backdoor Roth IRA later and gain little advantage in terms of expense ratios. I would suggest rolling the old 401k over into the new 401k. (It is almost a toss up vs leaving it where it is, so that is a good dilemma to have.) That gi...
by ruralavalon
Sat Jul 19, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 29
Views: 2387

Re: Can't decide to keep 401k with previous employer or move

Are there any additional record-keeping, account, and/or investment manager fees tacked on in either 401k?
by ruralavalon
Fri Jul 18, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 29
Views: 2387

Re: Large Cap Value -- worth the effort?

Holding LCV adds cost and complexity to my portfolio . . . What is the LCV ER as compared to your TSM fund, in other words how much added cost? Does using LCV inhibit your ability to keep the allocation you want in other funds, make rebalancing difficult? I wouldn't spend too much effort on the mar...
by ruralavalon
Fri Jul 18, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Cap Value -- worth the effort?
Replies: 8
Views: 1109

Re: Portfolio Help

Welcome to the forum :) . Its great to see that you are debt-free. It would help if you could answer the underlined questions by amending your original post, using the "edit" button. That way all of your necessary information is in one place and easy to find. . . . . . CONTRIBUTIONS: The c...
by ruralavalon
Fri Jul 18, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 15
Views: 642

Re: help with inheritance / still learning about invest

Welcome to the forum :) . Its great to see that you have no credit card debt, or other consumer debt. You have some very good investment choices in the TSP, you are fortunate. In the meantime, my questions would be: Can I have a balanced portfolio with only individual stocks and 1 index fund like I ...
by ruralavalon
Fri Jul 18, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with inheritance / still learning about invest
Replies: 16
Views: 2417

Re: Can't decide to keep 401k with previous employer or move

Questions: 1. Roll over to IRA? May be complicated because I will need to talk to Vanguard about splitting up the Roth and Pre-Tax assets. I am sure they've done this before. 2. Roll over to my current employer? 3. Stay with current employer's system with the old funds? You have some very nice fund...
by ruralavalon
Fri Jul 18, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't decide to keep 401k with previous employer or move
Replies: 29
Views: 2387

Re: Portfolio advice for 401K with no match & high ER

Welcome to the forum :) . She is self employed (commissioned sales) . . . . . Thanks for all the comments so far. Especially for trying to making the best of the bad options. Is the advice by madbrain to cut contributions to $0 the consensus? Should I then leave what is there and reallocate per Duck...
by ruralavalon
Wed Jul 16, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 401K with no match & high ER
Replies: 15
Views: 1297

Re: Need More Help with Bad 401 K

Hello everyone. I just discovered that the expense ratios I listed did not include a commission fee of 0.5%... :annoyed So the Voya Index plus midcap fund is actually .95%...and that is the cheapest option I have. So should I stick with the plan above? Or perhaps I should focus on my IRA instead of...
by ruralavalon
Wed Jul 16, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need More Help with Bad 401 K
Replies: 24
Views: 1908

Re: Need Help with 401K Funds

Or you could get lower expense ratios :D , plus the asset allocation that you want :D . An 90/10 stock/bond allocation, with 25% of stocks in international works out to about: 10% bonds; 23% international stocks; and 67% domestic stocks. Here is another portfolio idea to consider. All percentages ar...
by ruralavalon
Tue Jul 15, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help with 401K Funds
Replies: 6
Views: 914

Re: Portfolio makeover please - am I too cash heavy?

Wow, thanks ruralavalon. This makes sense. I'm just not sure about having 20% international. I was thinking more of 10%. Any reason for the high international equities? John. 10% might well turn out to be fine. The "sweet spot" for diversification benefit changes over time, and there is n...
by ruralavalon
Tue Jul 15, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio makeover please - am I too cash heavy?
Replies: 26
Views: 3756

Re: Portfolio makeover please - am I too cash heavy?

2. Am I too low on Bonds? Should I start contributing to PIMCO Total Return even though the expense ratio is high at 0.46%? 3. Any way to simplify this? Should I transfer my non current 401K accounts (TD Ameritrade and Fidelity) to Vanguard? In my opinion a 65/35 stock/bond asset allocation is reas...
by ruralavalon
Mon Jul 14, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio makeover please - am I too cash heavy?
Replies: 26
Views: 3756

Re: What Book Are You Currently Reading? Part V

Ship of Ghosts: the story of the USS Houston . . . , by James D. Hornfischer. Tells the story of naval battles in the Dutch East Indies, principally around Java, during the opening days of the World War Two in the Far East, and then the fate of the American and Australian sailors who survived while...
by ruralavalon
Mon Jul 14, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1010163

Re: Need More Help with Bad 401 K

Prior thread #1, "Any experience with Vanguard Life Strategy?" Prior thread #2, "Is this target date retirement fund too expensive?" Prior thread #3, "Is an expense ratio of 1.07 MUCH better than 1.22?" Prior thread #4, "Need help choosing 401 K allocations" ...
by ruralavalon
Mon Jul 14, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Need More Help with Bad 401 K
Replies: 24
Views: 1908

Re: Investing is starting to get boring

I get a little excited when dividends are paid out in cash, but I am now starting to get bored of investing. It was fun in the beginning asking questions, dreaming about the future, and exploring/proposing different plans - even though some of them were unorthodox. How does one keep the passion ali...
by ruralavalon
Sun Jul 13, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3895

Re: Personal Portfolio Help - (Roth IRA, 401k, Taxable Accou

Welcome to the forum :) . Its good that you are debt-free, doing so well at living within your means and saving money. Age: 26 Desired Asset allocation: 90% stocks / 10% bonds (When portfolio was started I targeted 70%-30%) Desired International allocation: 30% of stocks You are far under the 10% bo...
by ruralavalon
Sun Jul 13, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Portfolio Help - (Roth IRA, 401k, Taxable Accounts)
Replies: 5
Views: 782

Re: Thoughts on 100% stock allocation for 33 year old

Welcome to the forum :) . Your question is a perennial one, often asked and always good for some debate. My thought on 100% stock allocation for 33 year old: don't do it. Its easy to overestimate your risk tolerance before you have actually experienced a market melt-down, so be careful about this. H...
by ruralavalon
Sun Jul 13, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6200

Re: [Need help with 401 K allocations]

Guys thanks so much for your help. Glad to hear that the funds offered are so good! I happen to be working for a great company and am loving it. Just curious, at what age would the next adjustment likely take place? Looks like I have some more reading to do. I appreciate the links! Adjust the targe...
by ruralavalon
Sun Jul 13, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: [Need help with 401 K allocations]
Replies: 17
Views: 1324

Re: [Need help with 401 K allocations]

20%, Bond Index Fund (5BDINX)(0.020%) -Barclays U.S. Aggregate Bond TR 50%, U.S. Equity Broad Index Fund (5EQUID) (net expense ratio 0.053%) -Russell 3000 TR 05%, Small Cap Equity Fund (5SCEQU) (net expense ratio 0.705%) -Russell 2000 TR <---I think this overweights small caps 25%, International Eq...
by ruralavalon
Sat Jul 12, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Need help with 401 K allocations]
Replies: 17
Views: 1324

Re: [Need help with 401 K allocations]

With the company match it looks like I will be investing $5-$7K/ year over the next 5 years into the 401K. Make sure that you are contributing at least enough to get the full employer match each year, the match is free money so you don't want to turn that down. That's a lower limit, not an upper li...
by ruralavalon
Sat Jul 12, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Need help with 401 K allocations]
Replies: 17
Views: 1324

Re: Well-being Check For a New Guy

Welcome to the forum :) . I am 29 years old, wife is 30. We have a handsome 1 year old. . . . . . Debt: Mortgage - $130k left on loan at 4.25% on home worth $225k. Currently making extra payments of $400/month with goal of paying off house at age 40. Car - $6,000 remaining over next 1.5 years at 4% ...
by ruralavalon
Sat Jul 12, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Well-being Check For a New Guy
Replies: 7
Views: 1504

Re: 32 Years old here. New at investing

Welcome to the forum :) . My income, -Self employed software developer make average $60k net after expenses on average. Since you are self-employed, the first thing to do is investigate and then open a tax-protected account for yourself, like: "solo 401k" ; "SEP" ; or "SIMPL...
by ruralavalon
Sat Jul 12, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: 32 Years old here. New at investing
Replies: 3
Views: 1020

Re: Does a Precious Metals & Mining Fund Improve a Portfolio

You have accurately summarized the facts: extremely volatile, requires close attention, long stretches of disappointment, and gives lots of rebalancing opportunities. We held this fund for 7 1/2 years, made some money rebalancing in and out of the fund, and finally dropped it just to avoid the extr...
by ruralavalon
Sat Jul 12, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Does a Precious Metals & Mining Fund Improve a Portfolio?
Replies: 29
Views: 3155

Re: Does a Precious Metals & Mining Fund Improve a Portfolio

Pros: - VGPMX will allow me to volatility harvest when I rebalance, increasing my total returns, and also expanding my Roth IRA space (VGPMX is very volatile, plus it has a low correlation to REITs & TIPS-- a great rebalancing opportunity!). Cons: - VGPMX may require constant monitoring because...
by ruralavalon
Fri Jul 11, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Precious Metals & Mining Fund Improve a Portfolio?
Replies: 29
Views: 3155

Re: Questions on my 401k options

Thanks Pingo, yes I'll work all those other aspects out on my own, and if I get stuck I'll ask a specific question. For this thread I'm just asking about the fund on its own, and whether this high percentage use (relative to the peer group) of futures and so forth is something to generally avoid. T...
by ruralavalon
Fri Jul 11, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions on my 401k options
Replies: 6
Views: 789

Re: What after-tax income could you live on today?

I used actual expenses, rather than what we might be able to cut back to if needed. We do live frugally, but do travel quite a bit and contribute to charity.
by ruralavalon
Fri Jul 11, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5045

Re: Portfolio makeover please - am I too cash heavy?

Any information on gain/loss status on these?
Citicorp © 1%
Vanguard Health Care (VHT) (0.14) 6%
VZ (verizon) 3%
. . .%
RECN (Resources Connection) 3%
by ruralavalon
Fri Jul 11, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio makeover please - am I too cash heavy?
Replies: 26
Views: 3756

Re: Total neophyte wants to invest wisely

Tax rate: 28% and state of Oregon . . . . . Are those traditional IRAs or Roth IRAs? Those are traditional IRAs. They should probably be ROTHs, correct? When I transfer everything over to Vanguard, I will work with them on converting them to ROTHs, if that seems the right move. At a 28% federal tax...
by ruralavalon
Fri Jul 11, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total neophyte wants to invest wisely
Replies: 16
Views: 2102

Re: [Need help with 401 K allocations]

Its good to see that you have no consumer debt, and have paid off your student loans. It looks like some nice low expense funds are offered in your 401k plan. You are very fortunate. Can you tell us what index each of he following funds tracks? U.S. Equity Broad Index Fund (5EQUID) (net expense rati...
by ruralavalon
Fri Jul 11, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Need help with 401 K allocations]
Replies: 17
Views: 1324

Re: What to invest in with Vanguard?

Welcome to the forum :) . its always great to see someone starting young at saving and investing. Its probably best that you provide more information to get more concrete ideas on what to do, please see: "Asking Portfolio Questions" . You can use the "edit" button to amend your o...
by ruralavalon
Fri Jul 11, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What to invest in with Vanguard?
Replies: 19
Views: 2716

Re: Boglehead Rules Of Thumb To Investing?

I am just wondering what you personally would consider to be the overall Bugleweed rules of thumb to investing? I know this is a broad question since there are so many aspects to investing (age, income bracket, etc). But I’d like to narrow it down to the basics. Judging from all of the posts I’ve r...
by ruralavalon
Fri Jul 11, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Rules Of Thumb To Investing?
Replies: 23
Views: 3211

Re: Total neophyte wants to invest wisely

Are those traditional IRAs or Roth IRAs?
by ruralavalon
Fri Jul 11, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Total neophyte wants to invest wisely
Replies: 16
Views: 2102

Re: Portfolio Review

Welcome to the forum :) . Ages: Me – 33 Wife-36 . . . . . Our Asset Allocation we would like to keep at: 70% - US 15% International 15% Bonds In my opinion your desired asset allocation looks fairly reasonable, though a bit light on both bonds and international. I would suggest at least 20% in both ...
by ruralavalon
Thu Jul 10, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 630

Re: [Need help with 401 K allocations]

Welcome to the forum :) . You mention that you don't know where to start - we have a solution for that! Go to the Wiki page (link upper right) and find the words "getting started" in the blue bar near the top. That's the best place to start. When you are ready, you will need to post your i...
by ruralavalon
Thu Jul 10, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Need help with 401 K allocations]
Replies: 17
Views: 1324

Re: Total neophyte wants to invest wisely

I forgot to mention that you ought to max out your employee contribution to the 401k at $17.5k/yr. You may already be doing that but I couldn't tell from your post. It could help if you would amend your original post, using the "edit" button, to include additional information like marginal...
by ruralavalon
Thu Jul 10, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total neophyte wants to invest wisely
Replies: 16
Views: 2102
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