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Re: 23 Year Old - 70/30 Asset Allocation?

. . . . .I've been saving ~23% of my pretax income and have money split over 401k/taxable/Roth IRA. . . . . . . . . I could potentially keep this allocation for 25 years . . . . . . . . . What do you guys think? I've settled on a 70/30 portfolio that I can keep for the long term. I just want to mak...
by ruralavalon
Sun Sep 21, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old - 70/30 Asset Allocation?
Replies: 12
Views: 756

Re: No plan till today, not even frame work

2) ETF or Fund, given my situation today, and my future growth what are the reasons to choose one over the other. I have read some of the threads on the second topic, and given how green I am, pretty confused at the moment. ER versus purchase fee, admiral clubs? An ETF (Exchange Traded Fund) is a f...
by ruralavalon
Sun Sep 21, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: No plan till today, not even frame work
Replies: 7
Views: 789

Re: What Book Are You Currently Reading? Part V

I've begun reading: "Feynman Lectures on Physics" Could take me a while. For a lighter read, try Surely You're Joking Mr. Feynman! (Adventures of a Curious Character) And a bit lighter than that but just as fun and fascinating (consider the source), is What Do You Care What Other People T...
by ruralavalon
Sun Sep 21, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3367
Views: 1156067

Re: Advisor switching companies, self management a possibili

Is anyone familiar with Raymond James Financial?? I am not familiar with them, here is a thread about Raymond James: "Tell me about Raymond James?" Finally let me state that I have made numerous suggestions to GF regarding her own portfolio management using the BH principals. (She has two...
by ruralavalon
Sun Sep 21, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Advisor switching companies, self management a possibility
Replies: 6
Views: 319

Re: The Roosevelts, PBS special

For those who find TR fascinating, and want to read a bit more, there are a series of books by Edmund Morris that are the definitive story of TR. Warning, very long detailed books, but I enjoyed them. PBS has been nice to see the photos that go with the story I already had in my head. Also read The...
by ruralavalon
Sun Sep 21, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 87
Views: 6170

Re: Portfolio Help, Please

-also if I were to transfer all 403b Lincoln money into TD Ameritrade, would this be automatically converted to an TIRA, or would it stay as a 403b? That would still be a part of the 403b, I know the when I used a brokerage window it all stayed a part of my 401k. I would double check with both TDAm...
by ruralavalon
Sat Sep 20, 2014 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help, Please
Replies: 14
Views: 979

Re: Portfolio Help, Please

Welcome to the forum :) . I missed also the fact that there is an Index fund as part of the Lincoln offerings: Dreyfus 500 PEOPX (0.5 ER) Thats good news, its a much better investment than any of the other mutual funds offered there. That could change your strategy a lot. You might want to add that ...
by ruralavalon
Sat Sep 20, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help, Please
Replies: 14
Views: 979

Re: No plan till today, not even frame work

Welcome to the forum :) . Its great to see that you have no debt. Here is something to read, to help you get started: "Bogleheads® investment philosophy" . More details are needed, please use this format: "Asking Portfolio Questions" . In particular need to know whats offered in ...
by ruralavalon
Sat Sep 20, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: No plan till today, not even frame work
Replies: 7
Views: 789

Re: New and Trying to Make Good Decisions

Welcome to the forum :) .

Great job so far, you have obviously put a lot of thought into this already.

Do that "backdoor Roth thing".
by ruralavalon
Fri Sep 19, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: New and Trying to Make Good Decisions
Replies: 17
Views: 1183

Re: Time Has Gone Quickly, 3 Months Till Retirement

Congratulations on your imminent retirement :) . We are age 69, retired 3 years, and comfortable with a 50/50 asset allocation. We haven't changed the allocation since about 3 years before retirement. Find your comfort level, and stick with it. Give up on the idea of market timing. Agree but lets b...
by ruralavalon
Fri Sep 19, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time Has Gone Quickly, 3 Months Till Retirement
Replies: 17
Views: 1902

Re: Defined Benefit Plan and AA

If a long way from retirement, then look at the present cash value and consider that as part of your bond allocation. If near enough to retirement to have a good estimate of your in-retirement living expenses, then look at the monthly or yearly payout number as reducing the income that needs to be g...
by ruralavalon
Fri Sep 19, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan and AA
Replies: 8
Views: 369

Re: Time Has Gone Quickly, 3 Months Till Retirement

Congratulations on your imminent retirement :) .

We are age 69, retired 3 years, and comfortable with a 50/50 asset allocation. We haven't changed the allocation since about 3 years before retirement.

Find your comfort level, and stick with it.

Give up on the idea of market timing.
by ruralavalon
Fri Sep 19, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time Has Gone Quickly, 3 Months Till Retirement
Replies: 17
Views: 1902

Re: Roth IRA v. 401(k)

wesef wrote: 33% tax bracket.
. . . . .
Investor does not expect to save enough in a given year to both max out the 401(k) and a Roth IRA.

My suggestion is to increase the savings rate and do both. If earnings put them in the 33% tax bracket, why not?
by ruralavalon
Fri Sep 19, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA v. 401(k)
Replies: 7
Views: 716

Re: 401K ; moving into a no loss / no gain

Welcome to the forum :) .

I am not sure what your question is, could you restate it?

What do you mean by a "no loss / no gain position"?
by ruralavalon
Fri Sep 19, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K ; moving into a no loss / no gain
Replies: 5
Views: 419

Re: The Roosevelts, PBS special

Teddy was fully qualified. Awesome resume, TR was fully qualified for ANY office: - Assistant Secretary of the Navy - Governor of New York - President of the United States - Colonel, US Army - CO, 1st US Volunteer Cavalry - Spanish American War Veteran - Combat Action, Battles of Las Guasimas - Com...
by ruralavalon
Fri Sep 19, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 87
Views: 6170

Re: new 401k offerings FSEVX and VFWAX - good for a 3funder

Yes, use both of the new index funds.

Vanguard FTSE All World gives you a much lower expense ratio.

Fidelity Extended Market lets have an easier way to add might/small to your S&P 500, at a much lower expense ratio.
by ruralavalon
Thu Sep 18, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k offerings FSEVX and VFWAX - good for a 3funder?
Replies: 6
Views: 444

Re: 41 y.o. asking for portfolio advice

Welcome to the forum :) . Congratulations on the birth of your daughter. In my opinion your desired asset allocation is reasonable. You are allowed to fund her IRA contributions from your income. Be sure to do that, you could certainly benefit from some more tax-protected investing. Do move her IRA ...
by ruralavalon
Thu Sep 18, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 41 y.o. asking for portfolio advice
Replies: 4
Views: 909

Re: Will Bill Gross beat the Total Bond Market Index?

Call_Me_Op wrote:I have no problem with active funds - as long as their expenses are comparable to index funds.

Ditto.

In fact I bought Vanguard Intermediate Term Investment Grade Admiral, ER 0.10%, assuming that it was an index fund just because of the expense ratio. How embarrassing is that?
by ruralavalon
Thu Sep 18, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 38
Views: 3768

Re: Random Contributions

Thanks for the responses. I do have a 6-month EF sitting in an online savings account. Since I'm in the "accumulation phase" of investing I'll continue to throw all the extra in VTSMX (which is inside my Roth IRA). After I max out 2014, I'll open a taxable account with the same fund and t...
by ruralavalon
Thu Sep 18, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Random Contributions
Replies: 16
Views: 1125

Re: What Book Are You Currently Reading? Part V

If you like books about exploration and the limits of human endurance, I recommend very highly "In The Kingdom Of Ice" by Hampton Sides which gives the history of the doomed Jeanette Artic Expedition of 1879. It does a good job of setting the historical, political, and scientific context ...
by ruralavalon
Thu Sep 18, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3367
Views: 1156067

Re: What's in your tax advantage accounts?

:annoyed I don't make any distinction between pre-tax (401k) and post-tax (Roth) accounts, as I'm not that sophisticated. I am not sophisticated enough either. But are there some funds better to be placed in the Roth and some better in 401k? would you (or someone) be able to share some examples of t...
by ruralavalon
Thu Sep 18, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 46
Views: 2583

Re: Portfolio questions

My suggestion would be an asset allocation in the area of 60-70% stocks and 30-40% bonds. In the area of 20-40% of stocks in international would be reasonable, in my opinion. Here is an example portfolio using 65% stocks and 35% bonds, with 20% of stocks in international, as an illustration of what ...
by ruralavalon
Wed Sep 17, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 8
Views: 765

Re: How often do YOU rebalance and when?

I'm not too organized, rebalance erratically whenever something is out of line from basic stock/bond allocation, and try to look at this once per year sometime around the start of the year. I watch the REIT allocation more frequently.

I believe I read someplace that every 2 years is better.
by ruralavalon
Wed Sep 17, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1959

Re: 3 fund w/Fidelity

Yes, those are the correct Fidelity funds to use for a three fund portfolio.
by ruralavalon
Wed Sep 17, 2014 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund w/Fidelity
Replies: 7
Views: 792

Re: Help w/ Wife's Poor 401k Options

Just go with the three low expense Spartan stock index funds, buy your low expense bond find allocation elsewhere.

Don't buy a high expense fund, or even a moderate expense fund, unless it's truly necessary.
by ruralavalon
Wed Sep 17, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ Wife's Poor 401k Options
Replies: 8
Views: 548

Re: Random Contributions

I never had a set dollar amount that I contributed every month, my income was very erratic and sometimes varied by 400% from one month to the next.

I tried to set investing at a percentage of every month's earnings, but in practice I would invest whatever amount I could each month.
by ruralavalon
Wed Sep 17, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Random Contributions
Replies: 16
Views: 1125

Re: What Book Are You Currently Reading? Part V

The Rise of Mutual Funds , by Matthew P. Frink. The author was with the Investment Company Institute, representing the mutual fund industry before Congress and the SEC, from 1971 through 2004. The book is an interesting, primarily first hand, account of how mutual funds came to be how they are, and...
by ruralavalon
Wed Sep 17, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3367
Views: 1156067

Re: Portfolio Evaluation in Preparation for Large Settlement

Welcome to the forum :). Tips on handling windfall -- 1. Take your time, there is no rush; 2. educate yourself, read this wiki article "Bogleheads® investment philosophy" , and try one or two of these books: "Suggested Reading" ; 3. formulate a plan, decide on a desired asset all...
by ruralavalon
Wed Sep 17, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation in Preparation for Large Settlement
Replies: 4
Views: 431

Re: Should I roll over my 58 year old mom's 401k?

The expense ratios of her new 401k are pretty good, which is why I think I should try to rollover the old 401k there first instead of to an IRA: 40% - Fidelity Spartan 500 Index Fund Institutional Class (FXAIX) - 0.02% ER 5% - Vanguard Total International Stock Index Fund Institutional Shares (VTSN...
by ruralavalon
Tue Sep 16, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 819

Re: Portfolio questions

Welcome to the forum :) . You have some very nice low expense index fund choices offered in your 401k, you are fortunate. Based on the funds you are using, you already understand the importance of low expenses in investing. That's half the battle right there. Age: 45 Desired Asset allocation: 80% st...
by ruralavalon
Tue Sep 16, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 8
Views: 765

Re: Do I need to hold my emergency fund in cash?

I've kept an emergency fund of roughly six months expenses held in a savings or MM account ever since I started working and set up my finances. Looking back on that now, though, the tiny returns on cash have been a real drag on my portfolio. Do I even need a separate cash allocation for emergencies...
by ruralavalon
Tue Sep 16, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to hold my emergency fund in cash?
Replies: 29
Views: 3263

Re: How to add to my portfolio monthly without crazy fees

Move this Roth IRA to Vanguard. Call Vanguard and they will help you do this. Since you intend to use Vanguard funds there is no reason to have the account anywhere else, and this avoids that per transaction fee. You can use the STAR fund or any of the Target Retirement funds to start ($1k initial m...
by ruralavalon
Tue Sep 16, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2351

Re: After Roth IRA : Next Step In Investing

LouisJxn wrote: Not sure about the 403(b)/457. I'll have to look into that.

If eligible for a 403b or 457, then thats the next place to invest. So if eligible let us know if there is an employer match and the funds offered (fund names, tickers & expense ratios) in each.
by ruralavalon
Tue Sep 16, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Roth IRA : Next Step In Investing
Replies: 7
Views: 415

Re: Should I roll over my 58 year old mom's 401k?

Its mostly a matter of comparing the fund choices offered and their expenses. So for an answer to your question you will need to list the fund choices (fund names, tickers & expense ratios) offered in each 401ks. 1. If the old 401k has a good selection of low expense mutual funds and permits cha...
by ruralavalon
Tue Sep 16, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 819

Re: How much you need to save as multiple of salary

. . . . . For living expenses of 40k a year, you need to save roughly a million dollars by retirement age unless you want to move in with your kids! http://www.cnbc.com/id/101724231 I think that it is better to set a target amount first and then calculate what percentage to save of your income to s...
by ruralavalon
Tue Sep 16, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6255

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: 8
Views: 459

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: 302

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: 401

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: 78
Views: 7204

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: 46
Views: 2583

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: 1661

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: 533

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: 821

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: 444

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: 3367
Views: 1156067

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: 2317

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: 44
Views: 2552

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: 44
Views: 2552

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: 36
Views: 4442

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: 870
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