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Re: Portfolio Advice Wanted - Recently Married Couple

Welcome to the forum :) . Congratulations on your recent marriage. it looks like you are off to a good start financially with 6 months emergency fund, $150k invested, no credit card debt, and no student debt. Age: 29 / 27 Desired Asset Allocation: 80% stocks / 20% bonds Desired International Allocat...
by ruralavalon
Wed Oct 22, 2014 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Wanted - Recently Married Couple
Replies: 4
Views: 582

Re: simplify and diversify

Welcome to the forum :) . To address your questions with specifics it would be very helpful if we had more information as shown here: "Asking Portfolio Questions" . You can simply amend your original post by using the "edit" button, so that all of your information is in one place...
by ruralavalon
Wed Oct 22, 2014 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: simplify and diversify
Replies: 8
Views: 1037

Re: Bonds in taxable account?

I currently have a 401k and roth ira that are both around 90/10 AA, I also am thinking about putting $10k from my savings account in to I bonds. I am setting up a taxable account with money I will be using in the near future (5-15 years; car, house, marriage..etc), and was thinking about a AA of: 6...
by ruralavalon
Wed Oct 22, 2014 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable account?
Replies: 27
Views: 3340

Re: Good mid/small cap mutual funds?

All my investments are currently in Vanguard Total Market ETFs and large-cap ETFs/mutual funds. Any thoughts on tax-efficient mid/small cap mutual funds that would balance my portfolio? Or perhaps international stocks index funds? Thanks! Vanguard Extended Market Index Fund Investor Shares (VEXMX)....
by ruralavalon
Wed Oct 22, 2014 6:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Good mid/small cap mutual funds?
Replies: 4
Views: 458

Re: Should I sell My American Funds?

The American Fund ERs are still exorbitant, even after the front-end load, . . . . . . . . I am looking for advice on whether I should transfer my AF accounts over to another fund family (most likely Vanguard). . . . . . Am I correct in assuming I can transfer my IRA's and Roth IRA's to Vanguard wi...
by ruralavalon
Wed Oct 22, 2014 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 9
Views: 956

Re: Can I reduce my *retirement* savings rate?

Please begin by reading this wiki article, "Bogleheads® investment philosophy" , if you haven't done so already. I. Asset Allocation . I find it comforting; when i'm stressed at work, this is a great distraction. Thinking about these things is probably my favorite thing to do. When I thoug...
by ruralavalon
Tue Oct 21, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3297

Re: What Book Are You Currently Reading? Part VI

Wildfire and the Border Legion , by Zane Grey. Set in 19th century Arizona near the Grand Canyon of the Colorado River, a story of ranching, horses, wild-horse catchers, tracking, and all the frontier types. "Wildfire" is a horse, I haven't yet learned what the "border legion" m...
by ruralavalon
Mon Oct 20, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 125
Views: 8384

Re: New Job 401 k

As i mentioned before "both the old and new 401ks have good fund selections to chose from, you are very fortunate." In fund selection look first at diversification and expense ratio. The idea is to create what is overall the best combination of good diversification (to decrease risk) and l...
by ruralavalon
Mon Oct 20, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job 401 k
Replies: 10
Views: 643

Re: 2nd Opinions on Bond Alternatives?

Thanks everyone for the advice. Sounds like I will stay away and stick with my bonds. The whole reason I even considered is because I am maxing my Roth IRA out and already and contributing to my employer match (6% pre tax) on my 401k. That said, are there any redeeming qualities or appropriate plac...
by ruralavalon
Mon Oct 20, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 26
Views: 1429

Re: New Job 401 k

They match 100% up to 3% and 50% up to an additional 3%. Full match would be around $3050. At my previous job I contributed 10% of my wages, but I have heard on here to only contribute what the company will match. Two more quick questions and I can give you some concrete ideas to consider. Is there...
by ruralavalon
Mon Oct 20, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job 401 k
Replies: 10
Views: 643

Re: New Job 401 k

Two more quick questions and I can give you some concrete ideas to consider. Is there an employer match in your new 401k? If so, how much (in dollars) do you have to contribute to get the full match, and how much (in dollars) is the full match? How much total (in dollars) do you think you might be c...
by ruralavalon
Mon Oct 20, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job 401 k
Replies: 10
Views: 643

Re: New Job 401 k

Welcome to the forum :) . Its good to see someone starting young. It looks like both the old and new 401ks have good fund selections to chose from, you are very fortunate. We need to know the expense ratios for the funds offered in both the old and new 401k plans. In the plan documents that may be a...
by ruralavalon
Mon Oct 20, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job 401 k
Replies: 10
Views: 643

Re: 401K changing Pimco Tot Ret to VG Int Term Bond Index. O

Friends, My 401K is changing all Pimco Total Return (PTTRX, no load) Bond fund holdings to Vanguard's Intermediate Term Bond Index Fund (VBIIX). The lower ER of the Vanguard fund will be great but I don't hear much discussion concerning the Intermediate Term Bond Index Fund by the Bogleheads here. ...
by ruralavalon
Mon Oct 20, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?
Replies: 14
Views: 750

Re: 2nd Opinions on Bond Alternatives?

Hi all, I recently had some financial advisers recommend some alternative investments for me. Due to the nature of the bond market at the moment, they recommended that I re-allocate my current bond mutual fund investments (in my Roth IRA) into other alternatives. About 20% of my Roth IRA is in VBMF...
by ruralavalon
Mon Oct 20, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 26
Views: 1429

Re: Bond investing.

Don't try to weigh risk.

I look for higher credit quality, intermediate term, and good diversification.
by ruralavalon
Mon Oct 20, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond investing.
Replies: 3
Views: 273

Re: Can I reduce my *retirement* savings rate?

I suggest that you amend your original post in this thread. Done. Thanks for the help. I hope there is enough information now and that my questions are more clear. The amended initial post helps a lot. I have started working on some ideas for you, but need a little more information. You did not inc...
by ruralavalon
Mon Oct 20, 2014 5:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3297

Re: 401a 's: TIAA-CREF vs Vanguard vs Fidelity

In very general terms, I would personally prefer Vanguard because they have by far the largest menu of low-expense funds available anywhere, which includes a good REIT Index Fund. Fidelity has only about a dozen low-expense funds, their Spartan funds. TIAA-CREF also has fewer choices coupled with hi...
by ruralavalon
Sun Oct 19, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401a 's: TIAA-CREF vs Vanguard vs Fidelity
Replies: 6
Views: 557

Re: Young Professional Looking to Consciously Invest

Welcome to the forum :) . Its great to see you starting out debt-free, and getting into investing at such a nearly age. Your employer's 401k gives you some very good fund options to choose from, you are very fortunate in that. I'm a young professional looking to finally (consciously) getting my fina...
by ruralavalon
Sun Oct 19, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Professional Looking to Consciously Invest
Replies: 7
Views: 1140

Re: TBM too much treasury?

The reasons TBM is considered skewed is missing from the thread. My understanding is that all the bonds the Federal Reserve has purchased and held are included in the construction of the total bond index. But if one considers those bonds as just being the government financing itself (printing money...
by ruralavalon
Sun Oct 19, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4155

Re: Considering a more aggressive AA than age = bonds

I'm not going to rebalance until the beginning of the year, but I'll see how my AA looks then. I just ran a few estimates and even if I become more aggressive by 5 or so points, it'll like have a small affect on my overall net worth. So I'll most likely just stick with age - 10. You are correct, a ...
by ruralavalon
Sun Oct 19, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering a more aggressive AA than age = bonds
Replies: 41
Views: 3259

Re: Any reason not to buy the International Bond Index Fund?

Does this mean it is not advisable to buy Vanguard Target funds? I thought it will simplify investment with three funds or four fund strategy. No, Vanguard Target Retirement funds are still useful as a very simple single-fund portfolio. For example VTTHX is only 3.8% in international bonds, certain...
by ruralavalon
Sun Oct 19, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason not to buy the International Bond Index Fund?
Replies: 15
Views: 1846

Re: First investment strategy meeting with new FA, $6M trust

I had heard the same thing about Morningstar's tax cost ratios. I can't find the tax cost ratios at Vanguard. I did look at the "Price and Performance" tabs at Vanguard, and think that retiredjg's figures for tax cost look right. (I am surprised too.) You're right. I was looking at tax co...
by ruralavalon
Sun Oct 19, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4505

Re: What Book Are You Currently Reading? Part VI

The Big Four, by Agatha Christie. Hercule Poirot saves the world from a devious plot.
by ruralavalon
Sun Oct 19, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 125
Views: 8384

Re: First investment strategy meeting with new FA, $6M trust

grabiner is always saying that morningstar does not know about qualified dividends so their tax cost is not as accurate as going to the source. So I wandered over to Vanguard and did not find what I expected. I had heard the same thing about Morningstar's tax cost ratios. I can't find the tax cost ...
by ruralavalon
Sun Oct 19, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4505

Re: First investment strategy meeting with new FA, $6M trust

This... I like. I still have questions regarding tax efficiency - especially on the bond side, but it seems like no matter WHAT I come up with, it would be more efficient than the portfolio FA suggested. There are many NY Tax exempt bond funds, but I'll be honest. The equities side of all of these ...
by ruralavalon
Sun Oct 19, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4505

Re: TBM too much treasury?

Diversification and low expenses are both very important. Index funds tend to achieve both ends. Most Vanguard IT bond funds have very low expenses, as low as most index funds, but are managed funds. A bond portfolio consisting of individual IT Treasurys is ultra low-expense, an "expense ratio&...
by ruralavalon
Sat Oct 18, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4155

Re: First investment strategy meeting with new FA, $6M trust

I think I will work to have a good sense of what I want to do and just tell him that's what i'm doing. He will, I'm sure, think I am crazy for not using his services/reccomendations. I have pondered the "split the portfolio" with him doing a percentage his way, and me doing a percentage m...
by ruralavalon
Sat Oct 18, 2014 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4505

Re: TBM too much treasury?

See graph: "Sector History of the Barclays Capital U.S. Aggregate Bond Index" , its really "too much" (increased) agency Mortgage Backed Securities?. See Style map: Vanguard Total Bond Market index Fund (VBMFX) , increased duration = more interest-rate risk, and increased credit ...
by ruralavalon
Sat Oct 18, 2014 5:53 am
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4155

Re: Can I reduce my *retirement* savings rate?

I have an idea that might let us be more constructive. It looks like we keep wallowing around as we acquire new information and new insight as your intended plan. I suggest that you amend your original post in this thread. It's very helpful to have all your information in one place, it's very easy t...
by ruralavalon
Fri Oct 17, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3297

Re: Can I reduce my *retirement* savings rate?

You're the second poster to make this point. (Of course the reallocation would all be in our heads.)

Which leads to two questions. How is the FI money (Financial Independence, her quit money) invested? How is the retirement money invested?
by ruralavalon
Fri Oct 17, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3297

Re: Can I reduce my *retirement* savings rate?

My wife and I plan for her to retire early (mid 30's) while I keep working in a job I love and support our ongoing expenses through my salary. Our agreement is that she can retire once our savings designate for the purpose (FI money) has purchased a house and could, if needed, support half of our c...
by ruralavalon
Fri Oct 17, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3297

Re: need moral support (kinda)

Well, my wife and I decided today that in about a year ("really about 7 months") [emphasis added] (when we are moving to a new city), we will need about $200,000 for a down-payment for a new house. . . . . . We still have to sell about 86K in mutual funds (from taxable account as well)......
by ruralavalon
Fri Oct 17, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: need moral support (kinda)
Replies: 33
Views: 2884

Re: First investment strategy meeting with new FA, $6M trust

Just to clarify, I do trust this guy and he is not trying to sell me on his idea necessarily. He said straight up front, if you want to go with a mixed index fund portfolio we can certainly do that. All Vanguard, no problem. [emphasis added] He said he believes that he can choose better funds that ...
by ruralavalon
Fri Oct 17, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4505

Re: Re-entering market - all at once, or over time?

I know, one cannot predict the future, nor can one "time" the market. However, just the general uncertainty of a LOT of things in the world right now make me feel that going back in, in say 25% increments over 4 months would be prudent. . . . . . . So in summary - does it matter? I "...
by ruralavalon
Thu Oct 16, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-entering market - all at once, or over time?
Replies: 13
Views: 921

Re: Is it ever to late to invest

Welcome to the forum :) .

No it's not too late to start. Establish a regular contribution every pay period, and keep it up.
by ruralavalon
Thu Oct 16, 2014 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: At my age is it ever to late to invest?( UK)
Replies: 13
Views: 1243

Re: Find a way to explain to me "WHY" should I break up w/ M

I have been unsuccessful in cutting and pasting the Morningstar Chart to this page. At Morningstar please chart VTWSX vs MDISX Chart at Morningstar from 15SEP1994 until present. If anyone could post this Chart for me I would be grateful because a picture is worth thousands of words! VTWSX didn't ex...
by ruralavalon
Thu Oct 16, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Find a way to explain to me "WHY" should I break up w/ MDISX
Replies: 23
Views: 1104

Re: TBM too much treasury?

Back to the original question...yes, Jack did recommend that people add some corporates. I don't know exactly why. I don't think it matters a lot. To some extent, investment grade bonds of intermediate term are pretty similar in the long run and I doubt that it makes a big difference which 1 fund o...
by ruralavalon
Thu Oct 16, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4155

Re: Feeling very fortunate today!

Well I appreciate everyone applying their diagnostic abilities to what to me seems like an infinitely logical decision. I must say at first I was taken aback by all the negativity and to be honest not at all flattered by the picture I was seeing painted. But I was probably oversensitive feeling I h...
by ruralavalon
Thu Oct 16, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6085

Re: TBM too much treasury?

Lots of other discussions over the last few years, and several comments by Mr. Bogle reported in the media. You might want to try the search box for more on this. "TBM too much treasury?" "Compared to what" is a fair question. TBM does mimic a large part of the bond market (exclu...
by ruralavalon
Thu Oct 16, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4155

Re: Any reason not to buy the International Bond Index Fund?

John3754 wrote:Higher fees, higher risk, questionable benefit.


G-Money wrote:On the other hand, I don't think an allocation to VTABX will result in any great harm, either.

+ 1 to both.
by ruralavalon
Thu Oct 16, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Any reason not to buy the International Bond Index Fund?
Replies: 15
Views: 1846

Re: Portfolio Strategy

2) So far, the feedback has been that the portfolio is very simple and effective. They are both comfortable and have stayed the course. 3) Easy for their spouses to understand and manage if need be. 5) Neither wanted to slice and dice and add REITs, TIPS, International Bonds and the additional comp...
by ruralavalon
Thu Oct 16, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategy
Replies: 18
Views: 1012

Re: -11.33% YTD, asking for some guidance

Welcome to the forum :) . 1. Stop, take a deep breath. 28 years old is definitely not a "late start", and you have no "catching up" to worry about; 2. Do some reading to educate yourself a bit: such as "If you Can; how millenials can get rich slowly" ; and "Boglehe...
by ruralavalon
Thu Oct 16, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3375

Re: Find a way to explain to me "WHY" should I break up w/ M

Following up on Electron's idea, compare Franklin Mutual Global Discovery (MDISX) ER 0.98 to Vanguard Total World Stock Index Fund Investor Shares (VTWSX), ER 0.30. Vanguard table, VTWSX vs MDISX . Both are global funds about 1/2 U.S & 1/2 international. ER = 0.30% vs 0.98% # stocks = 6598 vs 10...
by ruralavalon
Thu Oct 16, 2014 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Find a way to explain to me "WHY" should I break up w/ MDISX
Replies: 23
Views: 1104

Re: Relatively new here. What did you do in 2008/09

What does "stay the course" mean? Stay the course; do nothing rash; this, too, shall pass. 10/09 article Our economy has survived -- even thrived -- through two world wars, a Great Depression, recessions, terrorist attacks and numerous other wars, crises and scandals. I have little doubt t...
by ruralavalon
Thu Oct 16, 2014 6:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6754

Re: Find a way to explain to me "WHY" should I break up w/ M

Franklin Mutual Global Discovery, MDSIX, is a very nice but expensive actively managed fund, highly rated by Morningstar (5 stars, silver rating), light in emerging markes, heavy on Canada (I like it's large natural resources sector), and no small caps, with really good past performance. Still you k...
by ruralavalon
Wed Oct 15, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Find a way to explain to me "WHY" should I break up w/ MDISX
Replies: 23
Views: 1104

Re: Relatively new here. What did you do in 2008/09

I was still with a financial adviser who I never really talked to. I just kept putting money each month into a mutual fund. I saw all the big drops on the Nightly News when I would catch it, but honestly really didn't understand how it impacted my money and didn't care. (because I didn't get it yet...
by ruralavalon
Wed Oct 15, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6754

Re: U.S. stocks in freefall

I really loved 2011. Bought a condo in Florida in a foreclosure auction at the beginning of February, moved the money to pay for it into cash to be ready for a closing at any time. The bank that foreclosed could never get their paperwork together and the sale finally fell through after a few months...
by ruralavalon
Wed Oct 15, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156592

Re: Considering a more aggressive AA than age = bonds

I'm in my mid 30s. I didn't have a lot of money invested during the 08-09 crash but early 09 is when I had the opportunity to start investing significant amounts - which I did. Something in the area of 25 - 30% bonds would be fairly typical for the mid 30s. Any rule of thumb is just a starting poin...
by ruralavalon
Wed Oct 15, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering a more aggressive AA than age = bonds
Replies: 41
Views: 3259

Re: Considering a more aggressive AA than age = bonds

I'm in my mid 30s. I didn't have a lot of money invested during the 08-09 crash but early 09 is when I had the opportunity to start investing significant amounts - which I did. Something in the area of 25 - 30% bonds would be fairly typical for the mid 30s. Any rule of thumb is just a starting poin...
by ruralavalon
Wed Oct 15, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering a more aggressive AA than age = bonds
Replies: 41
Views: 3259

Re: Need Suggestions for Vanguard Fund Investments

I want to invest $80,000. It's just sitting in the bank not doing anything. I was thinking about investing it in Vanguard Funds. I don't want to invest in stocks since I feel the market may be too volatile now. So bonds is my choice. I'm somewhat risk averse. I want to squeeze as much as I can out ...
by ruralavalon
Wed Oct 15, 2014 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Suggestions for Vanguard Fund Investments
Replies: 19
Views: 1626
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