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Re: Investing in taxable account

I will be 55 later this year. Thanks all for the specific suggestions. Looking at the various links provided I feel I want to come up with an asset allocation and rebalance each year. Regrading the morning star box - is 24,24,24 6,6,6 3,3,3 kind of a goal that I should try to get to? It seems I do ...
by ruralavalon
Wed Apr 23, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in taxable account
Replies: 16
Views: 1939

Re: Lots of Questions Re: Investment Portfolio

--Just to make sure I understand, is the rationale behind retaining the Fidelity account to approximate Vanguard Total Stock Market but with a lower expense ratio? Yes. The expense ratio would be a little more than 0.01% lower that way. --Do you also agree that I should sell the Franklin Templeton ...
by ruralavalon
Wed Apr 23, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lots of Questions Re: Investment Portfolio
Replies: 15
Views: 1308

Re: Bonds - Are they essential in a new portfolio?

Welcome to the forum :) . Congratulations on becoming debt free. If you have a 401k or similar plan available at work, you'll have to look to see whats offered in that plan. But if you are thinking of an IRA, your best bet as a starting fund for is going to be a balanced fund, like a Vanguard Target...
by ruralavalon
Wed Apr 23, 2014 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds - Are they essential in a new portfolio?
Replies: 8
Views: 1215

Re: Investing in taxable account

That's more than a little difficult to read. It does look like there are some nice choices offered in your 401k. I assume that the first number following the ALL CAPITALIZED FUND NAME is the expense ratio, correct? Are there additional fees charged by the 401k plan? Are you currently maxing out your...
by ruralavalon
Tue Apr 22, 2014 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in taxable account
Replies: 16
Views: 1939

Re: Lots of Questions Re: Investment Portfolio

We are both late thirties, and our two kids are preschoolers. Desired Asset allocation: 75% stocks? / 25% bonds? Desired International allocation: 30% of stocks? . . . . . 4. Would an overall 75/25 stock/bond allocation, with 30% international stocks make sense? As stated previously, In my opinion ...
by ruralavalon
Tue Apr 22, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lots of Questions Re: Investment Portfolio
Replies: 15
Views: 1308

Re: Investing in taxable account

What funds (fund names, tickers & expense ratios) are offered in your current 401k?

What index does the "Internal Index Fund" track?
by ruralavalon
Tue Apr 22, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in taxable account
Replies: 16
Views: 1939

Re: Lots of Questions Re: Investment Portfolio

Welcome to the forum :) . Condolences for the loss of your mother. 4. Would an overall 75/25 stock/bond allocation, with 30% international stocks make sense? That was what I came up with based on some preliminary research on this website but I am not wedded to it. Should I also split the stock alloc...
by ruralavalon
Mon Apr 21, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lots of Questions Re: Investment Portfolio
Replies: 15
Views: 1308

Re: Investing in taxable account

My marginal tax rate is 28%. Investmentst in taxable account are $100,000 in spy, $40,000 in QQQ along with small investments in FTNT, GILD, BHI. Currently almost $200,000 in cash in taxable account. ruravalon - thanks for your specific suggestions on VTIAX, VTSAX. The VTSAX seems like it has out-p...
by ruralavalon
Mon Apr 21, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in taxable account
Replies: 16
Views: 1939

Re: 29 Changing Jobs - Looking for Advice

Ryan 0 wrote:I read your helpful links on the need to carry larger allocations of fixed income post-2008. However, if I wanted to apply a 85/15 or 80/20 approach - do you recommend decreasing the allocation to VBTLX?

Yes.
by ruralavalon
Mon Apr 21, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 Changing Jobs - Looking for Advice
Replies: 13
Views: 1076

Re: Live Now, Live Later?

turning50 wrote: Thank you from exotic Simla, foothills of the himalayas…we just had to do it and loving it.

Sounds wonderful. I am jealous ;-) .
by ruralavalon
Sat Apr 19, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live Now, Live Later?
Replies: 37
Views: 3642

Re: 3 researched questions for you re: my portfolio & financ

Since you (and others) have voiced concern about my low asset allocation in bonds, what do you think of instead using in my 401k the Vanguard LifeStrategy Consrv Grwth (VSCGX) to increase my bond allocation over the Vanguard LifeStrategy Mod Growth (VSMGX)? The VSCGX has a ER of 0.15% compared to V...
by ruralavalon
Sat Apr 19, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 researched questions for you re: my portfolio & finances
Replies: 23
Views: 1504

Re: 3 researched questions for you re: my portfolio & financ

Those are awesome choices offered in your 401k. You are very fortunate. Do contribute whatever you can to that account, after maxing out your Roth IRA each year. My new plan: 1) Roth IRA (20k): Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) and Vanguard Total International Stock Index...
by ruralavalon
Sat Apr 19, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 researched questions for you re: my portfolio & finances
Replies: 23
Views: 1504

Re: 3 researched questions for you re: my portfolio & financ

Welcome to the forum :) . Its good to see that you have no debt. My new plan: 1) Roth IRA (20k): Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) 2) Vanguard 401k (what will become 17k): Vanguard Target Retirement ...
by ruralavalon
Sat Apr 19, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 researched questions for you re: my portfolio & finances
Replies: 23
Views: 1504

Re: Help looking for ways to get to 50-50

Help looking for ways to get to 50-50 . . . . . So that leaves $200K in Target 2015 (all deferred) and $100K in cash to invest. Deferred (67%; $200k) 17%, $50k, Vanguard Total International Stock Index Fund Admiral Shares (VTIAX), er 0.14% 50%, $150k, Vanguard Total Bond Market Index Fund Admiral S...
by ruralavalon
Sat Apr 19, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1440

Re: 29 Changing Jobs - Looking for Advice

Age: 29 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 15-20% of stocks As mentioned earlier, I would suggest 20 - 25% in bonds. In my opinion 20% of stocks in international stocks would be within reason. In selecting funds look for a combination of broad diversi...
by ruralavalon
Fri Apr 18, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 Changing Jobs - Looking for Advice
Replies: 13
Views: 1076

Re: 29 Changing Jobs - Looking for Advice

Two final questions.

in your new 401k, what index does "BlackRock Equity Market Index Fund (0.12%)" track?

Will your new 401k accept a rollover from your old 401k?
by ruralavalon
Fri Apr 18, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 Changing Jobs - Looking for Advice
Replies: 13
Views: 1076

Re: 29 Changing Jobs - Looking for Advice

Ryan 0 wrote:$5500 his 401k ($4150 employer match)

Is that a total of $9.65k contributed, or is $5.5k the total?

Are you contributing enough to the new 401k to get the full employer match?
by ruralavalon
Fri Apr 18, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 Changing Jobs - Looking for Advice
Replies: 13
Views: 1076

Re: 29 Changing Jobs - Looking for Advice

In the new 401k, what index does the "Foreign Stock Index (0.15%)" track?

Are you contributing enough to the new 401k to get the full employer match?

You might want to consider more bonds than 10%, perhaps 20 - 25%: 2011 regression; and graph, "the efficient frontier".
by ruralavalon
Fri Apr 18, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 Changing Jobs - Looking for Advice
Replies: 13
Views: 1076

Re: Investing in taxable account

Welcome to the forum :) . My two main holdings in my taxable account have been qqq and SPY. I also take some risks on individual stocks. Over many months I have been selling positions in qqq and spy (taxable account) as I want to protect my large profits. Now I have over 200,000 in cash. I have neve...
by ruralavalon
Fri Apr 18, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in taxable account
Replies: 16
Views: 1939

Re: Investing a financial settlement

I've scanned those articles, and i'm going to read them more thoroughly this weekend. I guess my question is whether I should do anything differently with both chunks of cash than a brokerage mutual fund? In other words...529 plans, life insurance, annuities, etc, etc? No to the annuity or insuranc...
by ruralavalon
Fri Apr 18, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing a financial settlement
Replies: 10
Views: 431

Re: Investing a financial settlement

Welcome to the forum :) . I've talked to several financial advisors who, of course, have the answer - Variable annuity! and if I didn't like that...life insurance! they tell me how wonderful it is to be tax deferred... which is of course odd given that my taxes will probably go UP in retirement. 1. ...
by ruralavalon
Fri Apr 18, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing a financial settlement
Replies: 10
Views: 431

Re: 401k in-service withdrawals

Definitely use the 401k, match or no match. A large cap index fund at ER 0.58% is not that bad, so use that fund. That ER is certainly not high enough to warrant skipping the 401k. If you are age 50 or over your contribution limit is $23k/yr: LINK . Hmm, I wonder if they're including catch up contr...
by ruralavalon
Fri Apr 18, 2014 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k in-service withdrawals
Replies: 18
Views: 1116

Re: Live Now, Live Later?

I am 50 years old and my husband is 56. We have adult children who are not dependent on us. . . . . . . Both of us are professionals with good income. . . . . . The clue to our compensation is the 33% of AGI that we are paying in taxes. That makes it harder for DH to walk away. Oh, did I mention th...
by ruralavalon
Thu Apr 17, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live Now, Live Later?
Replies: 37
Views: 3642

Re: 401k in-service withdrawals

I also went through all the fund options and went with the lowest fee one (outside of a MMF). It's an index fund with large cap stock and the fee is 0.58. It's only a short term investment, less than 3 years, at which time I'll transfer to Vanguard. Since the max contribution is 17,500 a year, I do...
by ruralavalon
Thu Apr 17, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k in-service withdrawals
Replies: 18
Views: 1116

Re: Help looking for ways to get to 50-50

How much now in TR 2015 tax deferred?
How much of the $150k in the bank does she want to keep as cash?
by ruralavalon
Thu Apr 17, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1440

Re: Please review my portfolio and suggest

Welcome to the forum :) . Its great to see that you are debt free. I'll just add to Duckie's ideas. New annual Contributions $10k his 401k (also specify any employer matching contributions) $5500 his IRA/Roth IRA . . . . . 2. I want to start investing 50K (which is earning less than 1% interest in C...
by ruralavalon
Wed Apr 16, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio and suggest
Replies: 4
Views: 602

Re: Available Funds in 401K - Opinions please

Ideally I would like a 70-30 or 60-40 AA in this 401K Clearly your best choices for low expense ratios and good diversification are: Vanguard Target Retirement 2025 Fund (VTTVX), ER 0.17%, with a 70/30 stock/bond mix; or Vanguard Target Retirement 2020 Fund (VTWNX), ER 0.16%, with a 60/40 stock/bon...
by ruralavalon
Wed Apr 16, 2014 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Available Funds in 401K - Opinions please
Replies: 8
Views: 562

Re: Looking at top 1% for actionable insight

Most of the relationships to being a top 1% would likely be spurious and not really actionable. Probably a lot of 1% drive BMW's - but it doesn't follow that I will become a 1% by buying a BMW. Actually the data from the IRS syncs pretty tightly with the Millionaire Next Door book... note that the ...
by ruralavalon
Wed Apr 16, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 7488

Re: Looking at top 1% for actionable insight

Most of the relationships to being a top 1% would likely be spurious and not really actionable. Probably a lot of 1% drive BMW's - but it doesn't follow that I will become a 1% by buying a BMW. As I recall from "The Millionaire Next Door" a common ride of the wealthy they studied was a Fo...
by ruralavalon
Tue Apr 15, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 7488

Re: Available Funds in 401K - Opinions please

(I'll post separately about the entire portfolio, once I collect sufficient data) Here are the available funds. Ideally I would like a 70-30 or 60-40 AA in this 401K but that's not a must, I will take any good fund(s) here and adjust the rest of the portfolio accordingly. Thanks in advance. What is...
by ruralavalon
Tue Apr 15, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Available Funds in 401K - Opinions please
Replies: 8
Views: 562

Re: Investments/Allocations

(1) Age 60, retired, 50/50 stock/bond allocation, 30% of stocks in international stocks, low 7 figure balance. The asset allocation seems very reasonable to me The total market type mutual funds used also seem very reasonable to me, that's excellent diversification with low expense ratios. There wou...
by ruralavalon
Tue Apr 15, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 666

Re: Initial portfolio set-up/plan

. . . . . I'd like to get the debt paid down faster than current payment amounts allow in the future. A realistic long term saving goal is probably closer to 25%, but we've committed to a very Spartan lifestyle for this coming year to get things back in order. Glad to see that. Too many people make...
by ruralavalon
Tue Apr 15, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Initial portfolio set-up/plan
Replies: 9
Views: 541

Re: Initial portfolio set-up/plan

i think you are right to use Roth IRAs at this point, despite not getting a tax deduction.

What is your savings rate (not counting employer pension contributions)?
by ruralavalon
Tue Apr 15, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Initial portfolio set-up/plan
Replies: 9
Views: 541

Re: What Book Are You Currently Reading? Part V

Stocks for the Long Run (5th ed), by Jeremy Siegel. I hadn't read any earlier edition, and have just started this book. Thee book begins with an interesting analysis of the 2008 housing bubble and its collapse, and mention of previous market crashes and the amount of time taken to recover.
by ruralavalon
Tue Apr 15, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2636
Views: 604032

Re: 33/34 Simplifying Portfolio & 401k Options Advice

They do a presentation once a year and my wife has inquired about index funds and they basically shoot her down and show how well their active funds have been performing over the last few years. As you can imagine, that statement is factually incorrect. Her funds are a bunch of turds. (Though she s...
by ruralavalon
Mon Apr 14, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 33/34 Simplifying Portfolio & 401k Options Advice
Replies: 26
Views: 1973

Re: Trying to do it right the 1st time around

Welcome to the forum :) . Its great to see that you have no debt, are living frugally and starting investing at an early age. Age: 23 Desired Asset allocation: xx% stocks / xx% bonds (assuming 70-80 stocks / 20-30 bonds) Desired International allocation: xx% of stocks (I don't know) In my opinion, a...
by ruralavalon
Mon Apr 14, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to do it right the 1st time around
Replies: 10
Views: 544

Re: AA/retirement questions

In investigating the company 401K, the company covers all management expenses associated with the fund, so the ER of each fund is the cost to the individual. Also, I did find out that a brokerage account in the 401k is an option. I was wondering if this is an avenue to pursue, or should I stick wit...
by ruralavalon
Mon Apr 14, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA/retirement questions
Replies: 11
Views: 1064

Re: 33/34 Simplifying Portfolio & 401k Options Advice

Welcome to the forum :) . simpleton's advice on how to start liquidating the taxable holdings with minimal tax cost is sound, so you should start doing that. Also in taxable you could sell Vanguard Ftse Pacific Etf and Vanguard Small Cap Value Etf to simplify, for a relatively small gain and tax hit...
by ruralavalon
Sun Apr 13, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 33/34 Simplifying Portfolio & 401k Options Advice
Replies: 26
Views: 1973

Re: advisor advice?

hello, I was wondering if even though I like the personable Advice and constant attention of my Edward Jones advisor, if I'm making a big mistake and losing too much money with them? We only have 425k and not enough for personal advice and planning with Vanguard I was told. Thoughts and comments we...
by ruralavalon
Sun Apr 13, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: advisor advice?
Replies: 25
Views: 1557

Re: A foolish investor?

I'm reading Boglehead Guide to investing and the Wiki, and learning a lot. Currently, in my 401K and Roth, I have approximately 95% in stocks. I am 20 years from expected retirement. Is it foolish to be this aggressive? I guess I'm making up for lost time. I've read that my bond allocation should n...
by ruralavalon
Sun Apr 13, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: A foolish investor?
Replies: 13
Views: 1555

Re: Please help me decide what fund to put my 401k money int

I have a Wells Fargo 401k and I'm wondering where I should put my money. Should I just be looking for the fund with the lowest expense ratio or what? Right now I have it in the Fidelity Freedom 2050 but I hear those are garbage. Fidelity Freedom 2050 is not "garbage", but it does not use ...
by ruralavalon
Sat Apr 12, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me decide what fund to put my 401k money into
Replies: 11
Views: 336

Re: Please help me decide what fund to put my 401k money int

First decide on your asset allocation, then worry about funds. What is your desired asset allocation for your overall portfolio consisting of all your accounts? I don't know what my desired asset allocation should be. Do you mean the amount of funds that are in bonds vs. stock? Yes, that means the ...
by ruralavalon
Sat Apr 12, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me decide what fund to put my 401k money into
Replies: 11
Views: 336

Re: Help w/simplifying our accounts and emergency fund

have been attempting to create each of our individual accounts so that they hold funds for Total Stock, Total Bond, and Total International (if possible). Is this a mistake? I was thinking it would give us increased flexibility in the future, both when looking at what types of funds we had invested...
by ruralavalon
Sat Apr 12, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/simplifying our accounts and emergency fund
Replies: 22
Views: 1961

Re: Portfolio advice

Welcome to the forum :) . I can see how format is hard to read. When typing, I used spacing that apparently did not appear on finished product.Why, I have so many funds is that I followed advice of a fee only consultant. Thank you. You can easily reformat in your original post, just by using the &qu...
by ruralavalon
Thu Apr 10, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 5
Views: 439

Re: How to invest my "Emergency Fund"

Few details: -Early 30's, Single -Net Worth - multiple times annual salary -Emergency Fund - 15-20K (roughly 1 year's living expenses), all in a checking account earning 0%, this is also used to cover my monthly expenses (rent, cc bill as well as taxes due every April), and slowly grows throughout ...
by ruralavalon
Thu Apr 10, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 2001

Re: "Choose an AA appropriate for your personal risk toleran

This is a common idea around here, and central to the buy - hold - re-balance investment philosophy. The follow-up question is: How do I determine my personal risk tolerance? Is this just an emotional decision? How well can I stomach a loss? I'm not simply asking what my risk tolerance should be. R...
by ruralavalon
Thu Apr 10, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Choose an AA appropriate for your personal risk tolerance"
Replies: 10
Views: 824

Re: 54 year old new investor with no retirement savings

Welcome to the forum :) . Age 54, $70k to invest, no other investments, no debt, what to do? What is your marginal tax rate, both federal and state? Any 401k, 403b, 457b available at work? If so, what investments (fund names, tickers & expense ratios) are offered in them? Any employer match? If ...
by ruralavalon
Tue Apr 08, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 54 year old new investor with no retirement savings
Replies: 14
Views: 2529

Re: Vanguard REIT Index (VGSIX): a Good Investment, Now?

Vanguard REIT Index (VGSIX): a Good Investment, Now? In my opinion nearly any question with the word "now" in it , is probably the wrong question. I have no opinion on the timing part of the question. In my opinion Vanguard REIT Index adds diversification benefit (thru low correlation to ...
by ruralavalon
Tue Apr 08, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT Index (VGSIX): a Good Investment, Now?
Replies: 7
Views: 1156

Re: How often do you rebalance to maintain your AA

I am retired. I rebalance whenever I do a withdrawal for living expenses, which is about 3 - 4 times per year.

Before retirement I rebalanced once per year at most.
by ruralavalon
Tue Apr 08, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1682
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