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Re: simplify and diversify

Your 401k not only has excellent Vanguard index funds to choose from. You are offered expense ratios even lower than you get by going direct with Vanguard. Do you think it makes sense to move my traditional IRA to my work 401k so that I can invest in these Vanguard funds with low expense ratios? My...
by ruralavalon
Fri Oct 24, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: simplify and diversify
Replies: 14
Views: 1803

Re: Lower Expenses vs Consolidation

Heresy alert :o . American Funds EuroPacific Growth at that expense ratio, 0.49%, and no 12b-1 fee, is a good fund in spite of not being an index fund. It has a long history of good performance, the exception to the rule. It's been around since 1984. I think it's worth using it and consolidating the...
by ruralavalon
Fri Oct 24, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lower Expenses vs Consolidation
Replies: 2
Views: 177

Re: Need help - selling stocks and buying funds today

Don't worry about timing, if you're a long term investor it won't matter a bit in the long haul. I do prefer regular mutual funds over ETFs, you can buy fractional shares making automatic investment, automatic reinvestment, and exchanges easier. And in the future when you exchange between Vanguard f...
by ruralavalon
Fri Oct 24, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - selling stocks and buying funds today
Replies: 6
Views: 408

Re: Do all mutual funds have 12b-1 fees?

The AXA guy is wrong of course. Not all funds have 12b-1 fees, Vanguard doesn't. Vanguard funds do not have fees other than the expense ratios. He is 100% wrong on both points. Don't deal with him at all. If he's young and inexperienced, he may actually believe what he says. But he's wrong. With fee...
by ruralavalon
Fri Oct 24, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 1278

Re: Do all mutual funds have 12b-1 fees?

In addition to asking about 457s, find out what other vendors are available under the 403b. There may be more vendors already available other than AXA and Valic. From the thread linked above, from the OP: We have products available through VALIC, AXA, MetLife, as well as the lovely broker I mention...
by ruralavalon
Fri Oct 24, 2014 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 1278

Re: Young Investors Plan – I'm Firing Questions!

Hi Boggleheads, I am a teacher saving about $10,000 dollars a year, I read the bogglehead book and have been researching the best way to allocate my assets for the last few months and welcome your advice on my plan. Step 1. Put $5,500 dollars in the Vanguard Total Stock Market Index Fund (investor ...
by ruralavalon
Fri Oct 24, 2014 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 8
Views: 916

Re: Any downside to a Fidelity i401k?

It should be noted that Vanguard i401k plans do not provide Admiral or ETF shares. I read this, does fidelity offer similar index funds with a lower ER/fees? Yes Fidelity offers Spartan Advantage shares of very similar total market type index index funds, with lower expense ratios than Vanguard's I...
by ruralavalon
Fri Oct 24, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Any downside to a Fidelity i401k?
Replies: 19
Views: 1141

Re: Bond exposure in my portfolio

Right now i have 20% of my retirement portfolio in a total bond fund from fidelity. In my individual investment account i have a long term treasury bond (FLBAX) and some exposure to TIP's and corporate bonds via ETFs. Are these good bonds to hold on to with the rising interest rates and current mar...
by ruralavalon
Fri Oct 24, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond exposure in my portfolio
Replies: 7
Views: 568

Re: Do all mutual funds have 12b-1 fees?

Maybe this older thread of your would be helpful? http://www.bogleheads.org/forum/viewtopic.php?t=112279 Yes, I haven't forgotten. Tenure in t minus 3 months, and then I can feel more comfortable taking steps to see what it would take to implement change in my district. In addition to asking about ...
by ruralavalon
Fri Oct 24, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 1278

Re: Turning 25 with 69k in savings.

In my opinion your desired asset allocation is within the range of what is reasonable. That works out to about; 20% bonds; 25% international stocks; and 55% domestic stocks. The general idea in fund selection is to try for the best overall combination of broad diversification (to reduce your risk) a...
by ruralavalon
Fri Oct 24, 2014 7:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Turning 25 with 69k in savings.
Replies: 14
Views: 1791

Re: Keep My 50/50 AA -- but modify the pieces

bertilak wrote:
cfs wrote:I like the simplicity of your two-fund 50/50 plan. Good luck with your future investment decision.

Thanks. Simplicity is important to me.

I think you have outlined an excellent portfolio, with no negatives. My only tweak might be a bit of Total International Stock @ 20% of stocks.
by ruralavalon
Fri Oct 24, 2014 6:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep My 50/50 AA -- but modify the pieces
Replies: 17
Views: 1071

Re: Stay-at-home mom looking to invest

Thanks everyone. As you all might have figured out, I am new to this forum. I will format my question based on the guidelines provided. Welcome to the forum :) . No need for apologies. There is enormous overlap between the Total Stock Market and S&P 500 funds, so you won't want to use both. You...
by ruralavalon
Fri Oct 24, 2014 5:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Stay-at-home mom looking to invest
Replies: 6
Views: 810

Re: simplify and diversify

1) For cash, I agree that 2.5 years is too much. I would ideally like to keep about $100k and take some of it and put it into a CD ladder and the rest into investments. 2) I have reviewed the lazy portfolios but am a bit lost on which one to use. Intuitively I am guessing that a 4 or 5 fund portfol...
by ruralavalon
Thu Oct 23, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: simplify and diversify
Replies: 14
Views: 1803

Re: 401k is a mess of managed & index funds, seeking help

If you choose LifeStrategy Growth VAGSX in the 401k, then use the very same fund in the IRA too.

Yes small and small value overlap a lot, small cap value will likely be better in theory.
by ruralavalon
Thu Oct 23, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k is a mess of managed & index funds, seeking help
Replies: 9
Views: 587

Re: 401k is a mess of managed & index funds, seeking help

I suggest an allocation of 80/20 stocks/bonds, and a minimum of at least 20% of stocks in international stocks. Around 30% of stocks in international stocks is fairly typical. . . . . . Among the funds you list for your 401k the best choice for you is LifeStrategy Growth, VAGSX, 80/20 stock/bond, wi...
by ruralavalon
Thu Oct 23, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k is a mess of managed & index funds, seeking help
Replies: 9
Views: 587

Re: simplify and diversify

In my opinion your desired 70/30 stock/bond allocation is within reason. I suggest a minimum of 20% of stocks in international stocks. If you want more information on that, for a pdf Google "Conderations for investing in non-U.S. Equities". 1) Cash. An emergency fund of 2.5 years of expens...
by ruralavalon
Thu Oct 23, 2014 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: simplify and diversify
Replies: 14
Views: 1803

Re: Portfolio Advice Wanted - Recently Married Couple

Does your 401k permit extra non-deductible contributions, and frequent in-service transfers of them? You could also check your 401k's plan documents to see if it offers a brokerage option, sometimes called a brokerage window. This is a feature that allows you to use a designated brokerage firm, and ...
by ruralavalon
Thu Oct 23, 2014 7:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Wanted - Recently Married Couple
Replies: 6
Views: 900

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: 6
Views: 900

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: 14
Views: 1803

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: 3373

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: 486

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: 10
Views: 1251

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: 3313

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: 126
Views: 8692

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: 653

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: 35
Views: 2052

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: 653

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: 653

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: 653

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: 752

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: 35
Views: 2052

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: 282

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: 3313

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: 10
Views: 797

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: 1148

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: 4216

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: 3269

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: 1851

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: 4539

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: 126
Views: 8692

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: 4539

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: 4539

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: 4216

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: 4539

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: 4216

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: 3313

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: 3313

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: 3313

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: 2894

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: 4539
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