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Re: Young, Ambitious and Relatively Clueless

Fidelity does offer a few different Spartan Index funds which are .10 - .20% annual expenses. There is a Brokerage link offered aswell but the fidelity advisor cautioned me against it saying it was an option for experienced investors only. I am looking to invest 15% of my earnings annually split in...
by ruralavalon
Wed Aug 27, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Ambitious and Relatively Clueless
Replies: 13
Views: 1330

Re: What are you up YTD?

xrw1 wrote: I am perplexed how a more conservative AA such as 60/40 and 50/50 are out pacing a more aggressive AA of 80/20

Vanguard REIT Index Adm (VGSLX) = + 20.58% YTD.
by ruralavalon
Wed Aug 27, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 83
Views: 4991

Re: Young, Ambitious and Relatively Clueless

The 401k is through fidelity. Currently I am contributing 3% (will up it to 15 once I make a decision about the loan repayment). I am enrolled in the Freedom K 2055 fund, its a lifecycle fund that beigns aggressive and becomes more conservative over time. There is no management fee and the total op...
by ruralavalon
Wed Aug 27, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Ambitious and Relatively Clueless
Replies: 13
Views: 1330

Re: Portfolio review - input needed please

It looks like you are 10% fixed income 90% equities with 50% of equities in international severe overweight emerging & frontier markets overweight domestic mid cap I do think you are being over aggressive in general, and would suggest a minimum 20% in fixed income using only low expense funds. I...
by ruralavalon
Wed Aug 27, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - input needed please
Replies: 8
Views: 626

Re: Young, Ambitious and Relatively Clueless

Welcome to the forum :) . It's always great to see someone starting young. Excellent choice for your reading material. The 401k might be a good idea, even without a match, if the fund choices are good and the expenses low. What are the 3 or 4 lowest expense ratio funds offered there? Any index funds...
by ruralavalon
Tue Aug 26, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Ambitious and Relatively Clueless
Replies: 13
Views: 1330

Re: Portfolio review - input needed please

You could get more responses if you stated the fund names, not just the tickers. Most of us don't have many tickers memorized, just the ones we personally use. Please don't expect everyone to look up all those ticker symbols, you can easily add the fund names to your original post by using the "...
by ruralavalon
Tue Aug 26, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - input needed please
Replies: 8
Views: 626

Re: Choice for IRA

Hello All: My question is somewhat simple & I greatly appreciate your input. I'm single, 59 yrs young & I’m about 8 yrs away from retirement. Listed below are my present/planned retirement accounts. I have a present IRA rolled over from previous 401k into Vanguard (Money Market temporarily)...
by ruralavalon
Tue Aug 26, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choice for IRA
Replies: 4
Views: 345

Re: What are you up YTD?

Retired.

50/50 asset allocation.

Overall YTD 7.60% -- per M* Portfolio Manager, which doesn't know how to figure in our Treasurys.
by ruralavalon
Tue Aug 26, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 83
Views: 4991

Re: New Investor- Am I making sound investments?

I suggest that you roll your old 401k over into your current 401k. Your current 401k has at least five excellent broadly diversified Vanguard index fund options that you might want to consider using. The expense ratios are as low as you could get in an IRA at Vanguard and in one case lower. So you g...
by ruralavalon
Mon Aug 25, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2560

Re: New Investor- Am I making sound investments?

Is that "~1.5-2K to invest per month that is currently going to savings" in addition to what you are putting in the ESPP, Roth IRA and 401k? (Just need to understand the total available to go into investing annually, and the % of new investing going annually into each account.) I do think...
by ruralavalon
Mon Aug 25, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2560

Re: New Investor- Am I making sound investments?

Is that "~1.5-2K to invest per month that is currently going to savings" in addition to what you are putting in the ESPP, Roth IRA and 401k? (Just need to understand the total available to go into investing annually, and the % of new investing going annually into each account.) I do think ...
by ruralavalon
Mon Aug 25, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2560

Re: Need some Boglehead advice ...

Hi, Should one hold both the S&P 500 and Total Stock Market Index? It makes no sense to hold both funds in separate accounts because of the overlap. In general the preference should be to use a Total Stock market fund, in my opinion. Very often a 401k or 403b account offers a S&P 500 index ...
by ruralavalon
Sun Aug 24, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need some Boglehead advice ...
Replies: 14
Views: 1292

Re: new to forum

Hi folks New to forum...just started reading "The Bogleheads Guide to Investing" after having watched Mr Bogle on Frontline's "The Retirement Gamble". Dumping my high fee funds, and am going to pursue vanguard ETF's. Am having trouble with two decisions 1 why not just do the Tot...
by ruralavalon
Sun Aug 24, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to forum
Replies: 7
Views: 746

Re: New funds available...AA check?

FDIKX is the only one leaving and can be replaced with Vanguard Total International Stock Index Fund Admiral Shares (VTIAX, 0.14% ER). Total win for us! I will also be able to tilt the allocation to small/value as before the available funds were too expensive (for example PASVX with a 1.24% ER). I ...
by ruralavalon
Sun Aug 24, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: New funds available...AA check?
Replies: 7
Views: 570

Re: Reaching some milestones, need help making a decision

Up until now, I have been contributing up to the match (5%) into my Roth TSP and $5,500 annually into my Roth IRA.* In total, I contribute ~13.5% of my current gross income to retirement (not including match). After my pay increase, I intend on increasing my TSP contribution to 8%. This will bring ...
by ruralavalon
Sun Aug 24, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Reaching some milestones, need help making a decision
Replies: 7
Views: 1191

Re: Help with AA for 25 year old

Those are the right four funds to use.Those are good low expense funds, so she should not limit herself to contributing just enough to get the full employer match. Good to hear that she is debt free. Suggest a good book for her to read, so she can make her own decisions going forward. Maybe a short ...
by ruralavalon
Sun Aug 24, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 517

Re: 401K help

Contribute enough to the 401k to get the full match, no matter what. Definitely check to see if your 401k plan offers a BrokerageLink, and if so what Fidelity Spartan funds you can get. If you can get Fidelity Spartan funds without an extra fee beyond their expense ratios, then contribute as much as...
by ruralavalon
Sat Aug 23, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 8
Views: 481

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

When more people start to do the right thing, it does not thereby magically become the wrong thing to do :) .
by ruralavalon
Sat Aug 23, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6447

Re: New Investor- Am I making sound investments?

Thanks again for sharing your thoughts! Even your questions are making me think about things more/differently than I have in the past. I just updated my post to address your questions; please let me know if you need any more information. What is your current balance in the ESPP? Where is that accou...
by ruralavalon
Fri Aug 22, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2560

Re: Please critique my portfolio

There's no such thing as a "backdoor IRA" there are just traditional IRAs and Roth IRAs and a spouse can open the former based on the other's income and can convert any TIRA to Roth whenever desired. . . . . . I don't think your wife can contribute unless she receives 'earned' income. Thi...
by ruralavalon
Fri Aug 22, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 42
Views: 3766

Re: Is the Aggregate Index Too Heavy in Treasuries?

Thanks BigJohn and Valuethinker for the explanations on convexity and callability.
by ruralavalon
Fri Aug 22, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Aggregate Index Too Heavy in Treasuries?
Replies: 63
Views: 2833

Re: New Investor- Am I making sound investments?

Welcome to the forum :) . Its good to see that you are debt-free other than the mortgage note. And I believe that you are wise to think in terms of using a three fund portfolio. Age: 26 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 15% of stocks Your desired asse...
by ruralavalon
Fri Aug 22, 2014 6:46 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2560

Re: What Book Are You Currently Reading? Part V

I didn't even get what the "M" stands for. Not surprising. The definition of M is somewhat open at this time. Ed Witten has suggested the meaning of the title should be decided when a more fundamental formulation of the theory is known. I wouldn't worry about it. My personal philosophy is...
by ruralavalon
Fri Aug 22, 2014 6:27 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1106785

Re: Giving back, charity, and similar

Hello and thank you in advance for your participation, I've been writing and rewriting this for a few minutes so I am just gonna spit it out: In what way do you give back to others or society and what does it mean to you? We give about 08% to charities. We give about 02% in gifts that do not qualif...
by ruralavalon
Thu Aug 21, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Giving back, charity, and similar
Replies: 22
Views: 1494

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

I thought that the WSJ article was great, and tend not to worry about whether success will spoil Vanguard. Any idea what percentage of the total money invested at Vanguard is in "index" vs. "managed" funds? According to Morningstar , at the end of 2013, about 70% of Vanguard's as...
by ruralavalon
Thu Aug 21, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6447

Is the Aggregate Index Too Heavy in Treasuries?

Here is a recent Morningstar article: "Is the Aggregate Index Too Heavy in Treasuries?" . "During the past 14 years, the percentage of U.S. Treasuries in the Aggregate Index increased to more than 40% from 16%." They state that the current portfolio composition of the Aggregate I...
by ruralavalon
Thu Aug 21, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Aggregate Index Too Heavy in Treasuries?
Replies: 63
Views: 2833

Re: What Book Are You Currently Reading? Part V

The Grand Design , by Stephen Hawking and Leonard Mlodinow. I can't say that I understand them. But they seem to say that M-theory: (1) predicts multiple universes created out of nothing; (2) its the only candidate for a "complete theory of the universe"; (3) but its "yet to be prove...
by ruralavalon
Thu Aug 21, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1106785

Re: Please critique my portfolio

One question: would it make sense for me to put $$ into small cap growth funds given my large exposure to large cap through RSUs? Essentially, a 3-fund plus mid-cap & REIT portfolio? Definitely do NOT use small cap growth funds, small cap growth has been correctly labelled as the "black ho...
by ruralavalon
Thu Aug 21, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 42
Views: 3766

Re: Please critique my portfolio

Since you have and will continue to have a large taxable account, and are in the 33% tax bracket, your investing needs to be tax efficient: "Principles of tax-efficient fund placement" . That means: bonds in tax-protected accounts; REIT in tax-protected accounts; and stock index funds in t...
by ruralavalon
Thu Aug 21, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 42
Views: 3766

Re: Please critique my portfolio

Yes, current employer will allow rollover of previous employers 401K, however I have excellent options on my previous 401K, including some low-cost Vanguard funds (even though it is managed by Fidelity). What are the Vanguard funds (fund names, tickers & expense ratios) & any Fidelity Spart...
by ruralavalon
Wed Aug 20, 2014 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 42
Views: 3766

Re: Please critique my portfolio

Welcome to the forum :) . You have excellent options offered in your current 401k, and you have made the right choices in your fund selections in the 401k. Check to see if your current 401k plan would allow you to transfer in the money from the old 401k, that would simplify your portfolio a bit and ...
by ruralavalon
Wed Aug 20, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 42
Views: 3766

Re: Close to retirement(6years) - want to maximize investmen

Welcome to the forum :) . Its great to see that you have no debt ("house is paid off- no mortgage, no car payment..."), its a very good idea to be debt-free going into retirement. if you are really "all in equities", I hope that you can rethink your asset mix and add some fixed i...
by ruralavalon
Tue Aug 19, 2014 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to retirement(6years) - want to maximize investments
Replies: 12
Views: 1165

Re: Why would anyone own a treasury bond fund?

Why would anyone own a treasury bond fund or ETF? I recently made my first purchase of 10-year treasuries through VBS and it was really easy. Unlike bond funds and ETFs, individual treasuries have no expense ratio. There is no need to diversify, since they are riskless. They can be purchased withou...
by ruralavalon
Tue Aug 19, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why would anyone own a treasury bond fund?
Replies: 20
Views: 1717

Re: New Job/New Location - Next Steps

Its good to see that you want to attack that student debt. What are the investments (fund names, tickers & expense ratios) offered in your new 401k? Do you expect that you will continue to be eligible to contribute to a Roth IRA in future years? About how many months of expenses do you have in t...
by ruralavalon
Tue Aug 19, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job/New Location - Next Steps
Replies: 7
Views: 476

Re: What Book Are You Currently Reading? Part V

A Narrative of the Life of Mrs. Mary Jemison , by James E Seaver. Twelve year old Mary Jemison's family was killed and she was made a captive in western Pennsylvania in 1755, during the French and Indian War (aka the Seven Years War). At Fort Pitt she was sold to two Seneca sisters, lived in Ohio a...
by ruralavalon
Mon Aug 18, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1106785

Re: 3 Fund Portfolio at Schwab?

Why do you say those Schwab international funds are 'weak'? What do you mean, that they do not contain what one would need specifically or that there just aren't enough in number and diversity? Schwab international Index Fund, SWISX, covers only large companies in developed markets outside North Am...
by ruralavalon
Sat Aug 16, 2014 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2180

Re: LS vs. 2 or 3 fund, etc. and ETF's.

My personal preference is for regular mutual funds over ETFs. The expense ratios are the same if you can use Admiral class shares, the ability to buy fractional shares makes regular mutual funds easy to use, and you don't have to worry about bid-ask spreads on smaller less traded ETFs. Here are the ...
by ruralavalon
Sat Aug 16, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: LS vs. 2 or 3 fund, etc. and ETF's.
Replies: 10
Views: 863

Re: 100% lifestrategy - good idea for a hands-off investor?

Since your very close friend asked your advice, I'd say that Vanguard LifeStrategy Moderate Growth Fund (VSMGX) at 60/40 stocks/bonds is a good answer for someone completely uninterested in investing. But what does your friend think about asset allocation and risk? What stock/bond allocation does yo...
by ruralavalon
Sat Aug 16, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3276

Re: What Book Are You Currently Reading? Part V

A Narrative of the Life of Mrs. Mary Jemison , by James E Seaver. Twelve year old Mary Jemison's family was killed and she was made a captive in western Pennsylvania in 1755, during the French and Indian War (aka the Seven Years War). At Fort Pitt she was sold to two Seneca sisters, lived in Ohio a...
by ruralavalon
Sat Aug 16, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1106785

Re: Do you diversify into international bond?

No, we don't use international bonds.

Duration of 6.71 years, extra expense, more complication, and little or no apparent benefit.

Mormimgstsar, "Diversification for the Sake of Diversification".
by ruralavalon
Sat Aug 16, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2185

Re: general guidance re: savings vehicles

Finally, you might want to read one or more of the General Investing books from this reading list -- "Suggested Reading"
by ruralavalon
Fri Aug 15, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: general guidance re: savings vehicles
Replies: 7
Views: 1106

Re: general guidance re: savings vehicles

As discussed in your prior thread, its probably best to leave your old old Medical center 403(b) & 401(a) and your old Mass Mutual 403(b) where they are for now, to preserve the possibility of using the backdoor Roth IRA technique in the future. wiki, "Backdoor Roth IRA" . In selecting...
by ruralavalon
Fri Aug 15, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: general guidance re: savings vehicles
Replies: 7
Views: 1106

Re: 3 Fund Portfolio at Schwab?

I would add the emerging markets exposure, for increased diversification. Vanguard R-squared Correlation Results: Developed Markets Index and Emerging Markets Index have a correlation of: 86 . link . matjen's suggested ratio is about right. In my opinion that's too big a piece of the world economy t...
by ruralavalon
Fri Aug 15, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio at Schwab?
Replies: 29
Views: 2180

Re: First Timer

Vanguard has by far the most extensive line of low expense mutual funds to choose from, link , and is the best choice in my opinion. Fidelity has about a dozen low expense Spartan index mutual funds to choose from: wiki, "Fidelity" Schwab has five low expense index mutual funds to choose f...
by ruralavalon
Thu Aug 14, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1970

Re: First Timer

Its good to see that you are " [r]eading the Bogleheads Guide to Investing as we speak, cruising through it". Thats a very good choice. -23 -sales job, base salary covers living expenses monthly, commission currently going to savings -currently contributing 6% (max match) to 401k, company ...
by ruralavalon
Wed Aug 13, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1970

Re: First Timer

-23 -sales job, base salary covers living expenses monthly, commission currently going to savings -currently contributing 6% (max match) to 401k, company match $.50 -I want to keep the investing $ relatively liquid, because the base covers the day to day expenses and bills but if I need to fix my c...
by ruralavalon
Wed Aug 13, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1970

Re: Asset Allocation Help / Placement of Funds for Tax Purpo

His 401k: $462k (26,250 annual contrib incl employer match; 28% of annual contributions) His Roth IRA: $112k (5,500 annual contrib; 06% of annual contributions) Her 401k: $187k Her Roth 401k: $23k (24,220 annual contrib incl employer match; 26% of annual contributions) Her Roth IRA: $106k (5,500 ann...
by ruralavalon
Tue Aug 12, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help / Placement of Funds for Tax Purposes
Replies: 7
Views: 740

Re: 401k employer match question

- Since this is my 2nd job I thought it was low. My previous employer matched a much higher percentage. Guess it is still free money and if I am maxing it out then decent contribution. - Sounds like my focus should be to max out my 401k contribution first in the funds mentioned. Then any left over ...
by ruralavalon
Tue Aug 12, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k employer match question
Replies: 17
Views: 1200

Re: First Timer

Its good to see that you have no credit card or other consumer debt :) . Please post the expense ratios on the funds you listed. Any idea where I find those? Or what I should be looking for? Thanks! Those should be available in the list of funds offered. "Expense ratio" is usually just abb...
by ruralavalon
Tue Aug 12, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1970

Re: Stupid Newbie question-- Google isn't helping me out

If it helps to clarify, I have a couple of different IRA accounts at my bank (USAA). The Roth IRA accounts happen to be in mutual funds in an "investment account" and the Traditional IRA happens to be in mutual funds in a "brokerage account". There are 2 different statements, on...
by ruralavalon
Mon Aug 11, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Brokerage account] question-- Google isn't helping me out
Replies: 9
Views: 626
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