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by ruralavalon
Fri May 22, 2015 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Confirming that I should not use my 401k
Replies: 18
Views: 1084

Re: Confirming that I should not use my 401k

You are right. With no match in the 401k, max out the contributions to the IRAs before even considering using the 401k.
by ruralavalon
Fri May 22, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K Help
Replies: 11
Views: 560

Re: Fidelity 401K Help

Mostly looking for some general recommends for the funds I listed. I have a lot to read up on, I'm not sure what makes sense for me. Thanks! In your IRA consider Vanguard Total International Stock Market Index Fund Admiral (VTIAX) ER 0.14%. It's superior to the Fidelity Spartan International Index ...
by ruralavalon
Fri May 22, 2015 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio checkup, please. Risk tolerance and KISS approach
Replies: 3
Views: 372

Re: Porfolio checkup, please. Risk tolerance and KISS approach

Questions: 401(k)/ Spouse 403B I'm hopping for good returns until retirement or that the SSA doesn't go bankrupt before then. Otherwise, I need a higher paying job or pump my savings as much as I possibly can in order to be able to retire. My wife is younger, so she has a few extra years of compoun...
by ruralavalon
Fri May 22, 2015 8:26 am
Forum: Investing - Help with Personal Investments
Topic: International Bond fund in Three Fund Portfolio
Replies: 11
Views: 699

Re: International Bond fund in Three Fund Portfolio

I notice the Vanguard Target Retirement has 4 funds with one being the International Bond fund. If I'm interested in a three-fund portfolio do I need to worry about international bonds?---particularly with the expected rise in interest rates in the coming years. Adding international bonds adds comp...
by ruralavalon
Fri May 22, 2015 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 7
Views: 383

Re: Portfolio Review

Welcome to the forum :) .

Ashley1748 wrote:I am seeking review of our retirement portfolio. Thank you!

Both the asset allocation and the funds selected look fine in my opinion.
by ruralavalon
Fri May 22, 2015 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Fund Roth IRA or pay student loans?
Replies: 11
Views: 686

Re: Fund Roth IRA or pay student loans?

Welcome to the forum :) .

For that extra $1k/month, first fully fund a Roth IRA and then the remainder toward paying off your student loans in the order that you listed them.
by ruralavalon
Fri May 22, 2015 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K Help
Replies: 11
Views: 560

Re: Fidelity 401K Help

Do you have an asset allocation (stock/bond mix) that you want to aim for? Please see: wiki, "Never bear too much or too little risk".
by ruralavalon
Fri May 22, 2015 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Budget allocation between LARGE student loan burden and Retirement_Updated details
Replies: 27
Views: 2258

Re: Budget allocation between LARGE student loan burden and Retirement_Updated details

New Clarifications: -Our monthly expenses including mortgage AND $2,000 towards the loans is $6,500-7,000/mo. -Net income after health insurance, taxes, 401K contributions is $9,600/mo -Emergency fund: We have already put away $50,000 in savings living expenses for the next 6 months. Our Larson Fin...
by ruralavalon
Thu May 21, 2015 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K Help
Replies: 11
Views: 560

Re: Fidelity 401K Help

Welcome to the forum :) . I would stick to Fidelity Spartan funds, such as: Fidelity Spartan Total Stock Market Index Fund Advantage Class (FSTVX) ER 0.05% Fidelity Spartan U.S. Bond Index Fund Advantage Class (FSITX) ER 0.10% Fidelity Spartan International Index Fund Advantage Class FSIVX) ER 0.12%...
by ruralavalon
Thu May 21, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Correct Format with all funds included
Replies: 11
Views: 1088

Re: Correct Format with all funds included

Question: would it be better to just buy one fund in the PCRA and pay 49.99. I like the Lifesyte Growth Fund. 60/40. Will this do the same as the sample porttolio.. Also, I will roll over a large amount (only pay 49.99 once) All new money I will just put in the fixed account 3.5% interest. I only h...
by ruralavalon
Wed May 20, 2015 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Evaluating my 401k elections at 25 years old
Replies: 16
Views: 1194

Re: Evaluating my 401k elections at 25 years old

I am currently contributing 12% (10% traditional, 2% Roth) to my employer 401k. They do not match until after 1 year then I'm fully vested. I thought about contributing less in order to open an IRA until they can start matching (February 2016). Thoughts? How much (%) would you need to contribute to...
by ruralavalon
Tue May 19, 2015 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: 22 year old looking to get started
Replies: 18
Views: 888

Re: 22 year old looking to get started

Congratulations on your recent graduation and your new job :) . An Ally savings account seems like a good place for that extra $8k for now. Take your time about any investing decision, there is no rush. Read a good book on investing, look at the "suggested reading" list on the home page, o...
by ruralavalon
Mon May 18, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating my 401k elections at 25 years old
Replies: 16
Views: 1194

Re: Evaluating my 401k elections at 25 years old

What is your reasoning for contributing to bonds at the age of 25? Many have told me wait until you're older. The purpose of holding a modest amount of bonds is to control your investing risk. Stocks have a higher expected return in general. " But in exchange for the hope of high return, stock...
by ruralavalon
Mon May 18, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 932

Re: Help With AA, Particularly International AA

New Contributions assuming I max out the Roth IRAs: His 401k: ~$14,500 my personal contributions I get a 50% employer match on 6% of salary, or about $3100 per year ~$14,500 Her 401k personal contributions I don’t have her matching info with me, it is something like 2% but it’s not vested for 3 yea...
by ruralavalon
Sun May 17, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 932

Re: Help With AA, Particularly International AA

Ok. If I do $3000 in the Roth IRAs to overcome the minimum fund requirements, then that will get me close to maxing out the 401ks. Her new 401k 00%, TRP U.S. Enhanced Bond Index Fund (PBDIX) ER 0.30% What percent did you mean to type in here? 00%. That's the current balance. Initially put all new c...
by ruralavalon
Sun May 17, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: My 457(b)
Replies: 13
Views: 918

Re: My 457(b)

With no employer match, the top priority is paying off those high interest debts. Paying off 15% and 10% interest rate debts is the best "investment" for you.
by ruralavalon
Sun May 17, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Vanguard mutual funds
Replies: 19
Views: 1272

Re: 401k - Vanguard mutual funds

what is a good percentage allocation of the 3 US funds (large, mid, and small cap) that is closest to total US market index? 82%, Vanguard Institutional Index Fund Institutional Shares (VINIX) 11%, Vanguard s & p mid-cap 400 index fund institutional shares (VSPMX) 07%, Vanguard s & p small-...
by ruralavalon
Sun May 17, 2015 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 932

Re: Help With AA, Particularly International AA

Congratulations on the baby this fall :) . I personally would max out the 401ks rather than filling up the Roth IRAs, preferring the current tax deduction over a future tax benefit. It really depends on your anticipated retirement income and expected tax rate in retirement. If you expect large pensi...
by ruralavalon
Sun May 17, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: On a Scale of 1 - 10.. [Portfolio evaluation]
Replies: 34
Views: 2262

Re: On a Scale of 1 - 10.. [Portfolio evaluation]

You are right BOgle7979, you should leave the emergency fund out of the asset allocation for long-term investing.

I don't thik that you are unnecessarily using extra mutual funds.

EDIT , corrected spelling.
by ruralavalon
Sun May 17, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Now what? [Next step after emergency fund is funded]
Replies: 10
Views: 996

Re: Now what?

Right now I'm a student, I do bring in 2500.00/MO tax-exempt income. Pretty much have low overhead right now so I opened up a Vanguard STAR Fund and right now I have 100/MO going into it right now. The rest has been getting thrown into my EF, but once I accumulate a months expenses + cushion I'm go...
by ruralavalon
Sun May 17, 2015 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 932

Re: Help With AA, Particularly International AA

This example is 80/20 stock/bond, about 30% stocks in international. It assumes using the new Roths as "mini portfolios". Her new 401k 00%, TRP U.S. Enhanced Bond Index Fund (PBDIX) ER 0.30% His 401k 20%, Vanguard Total Bond Market Index Fund Admiral (VBMFX) ER 0.07% 05%, Vanguard Total St...
by ruralavalon
Sun May 17, 2015 7:41 am
Forum: Investing - Help with Personal Investments
Topic: My 457(b)
Replies: 13
Views: 918

Re: My 457(b)

Welcome to the forum :) . You have some nice funds offered in your plan, even with the tacked on administrative fee. I am a 26 year old who works for Multnomah County in Portland, Oregon. I currently make about $73,000 a year, and have about $11,000 in debt that I am working on paying off at this ti...
by ruralavalon
Sun May 17, 2015 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Now what? [Next step after emergency fund is funded]
Replies: 10
Views: 996

Re: Now what?

With your emergency fund fully funded, and a month's worth of expenses in a checking account, then:
1) contribute enough to your 401k to get the full employer match;
etc.
Wiki article, "Prioritizing investments".
by ruralavalon
Sun May 17, 2015 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Post tax investing or Pay off 2.95% Mortgage?
Replies: 39
Views: 3495

Re: Post tax investing or Pay off 2.95% Mortgage?

My suggestion for you is to start a taxable account using very tax-efficient total market type stock index funds. With the tax deduction your effective mortgage interest rate is extremely low, and you are on track to have it zeroed out in your mid-50s. Having taxable investing gives you a lot of fin...
by ruralavalon
Sun May 17, 2015 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Correct Format with all funds included
Replies: 11
Views: 1088

Re: Correct Format with all funds included

What percentage of the total is in his Roth IRA? What percentage of the total is in her Roth IRA? A brokerage feature will ordinarily have an annual fee, a per transaction free (commission), or sometimes both. A per transaction fee (commission) of $49.99 seems very high to me, it may be too high for...
by ruralavalon
Sun May 17, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 713
Views: 103700

Re: What Book Are You Currently Reading? Part VI

The Borders, by Allistair Moffat. The England/Scotland border from pre-history to the 21st Century, interesting myth and then history. Very detailed, and fun to read.
by ruralavalon
Sun May 17, 2015 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Please help me with my 401k 31 year old single male
Replies: 15
Views: 1300

Re: Please help me with my 401k 31 year old single male

40%, Fidelity Spartan 500 Index Fund Advantage Class (FUSVX) ER 0.05% .050% 15%, Northern Mid Cap Index Fund (NOMIX) ER 0.15% GROSS ER 1.23% NET ER 1.00% 25%, Oppenheimer International Growth Fund Class Y (OIGYX) ER 0.89%, The "fund documents" are blank for this. 20%, Dodge & Cox Inco...
by ruralavalon
Sat May 16, 2015 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help With AA, Particularly International AA
Replies: 16
Views: 932

Re: Help With AA, Particularly International AA

Option C. Use $11k for Vanguard Total International in the Roth IRAs. Because the goal is to attempt to mimic Vanguard Total International, for the remaining $13k combine in your 401k: 85%, $11k, Dodge & Cox International Stock (DODFX) ER 0.64%; and 15%, $2k, DFA International Small Company (DFI...
by ruralavalon
Sat May 16, 2015 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: On a Scale of 1 - 10.. [Portfolio evaluation]
Replies: 34
Views: 2262

Re: On a Scale of 1 - 10.. [Portfolio evaluation]

I give the portfolio a 9+. I think that the emergency fund is a bit large, also I would not overweight emerging markets. An approximate 80/20 asset allocation is within the range of what is reasonable for age 30, and I think around 30% of stocks in international is within reason. The fairly large nu...
by ruralavalon
Sat May 16, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 713
Views: 103700

Re: What Book Are You Currently Reading? Part VI

I finally got around to Nate Silver's The Signal and the Noise: Why So Many Predictions Fail—but Some Don't . For me there was nothing particularly novel or new that I learned, since I've taken several undergraduate and graduate courses in probability and statistics (though most of that forgotten) ...
by ruralavalon
Sat May 16, 2015 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with my 401k 31 year old single male
Replies: 15
Views: 1300

Re: Please help me with my 401k 31 year old single male

It's good to hear you have gotten your debt paid off. That's always a good way to start in my opinion. I believe I'd rather go for stocks than bonds. While bonds are safer, don't stocks have a possible higher return? In a portfolio, bonds reduce your investing risk. In general please see: wiki, &quo...
by ruralavalon
Sat May 16, 2015 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Vanguard mutual funds
Replies: 19
Views: 1272

Re: 401k - Vanguard mutual funds

Roth Ira: $5000 in vanguard money market Expect to add additional per year: 10000 Spouse: not working. No ira, roth ira etc 5% taxable account 40% cds @ 2 - 3 % 55% 401k @ 5% fixed You omitted your Roth IRA when you did the percentages of the total portfolio. Please recalculate the percentages of t...
by ruralavalon
Sat May 16, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Vanguard mutual funds
Replies: 19
Views: 1272

Re: 401k - Vanguard mutual funds

Thanks all. Pardon my non-standard formatted question. I have now added more information to the original post. It is often best to a look at all counts together as a single unified portfolio. Does your spouse have a work-based account like a 401k, 403b? If so what is in it? Does your spouse have an...
by ruralavalon
Sat May 16, 2015 9:22 am
Forum: Investing - Help with Personal Investments
Topic: 401k - Vanguard mutual funds
Replies: 19
Views: 1272

Re: 401k - Vanguard mutual funds

Is the "90% of wealth is in CDs and savings account" an a emergency fund, or money that's intended for long-term investing? Do you have any debt? What is your tax filing status? What is your marginal tax bracket, both federal and state? Are you contributing the max $18k/yr to your 401k? Ho...
by ruralavalon
Fri May 15, 2015 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Correct Format with all funds included
Replies: 11
Views: 1088

Re: Correct Format with all funds included

Asset allocation. I 51 yrs old . . . Wife 47 yrs old . . . . . Desire assets class around 60/40 (This is what all the risk surveys tell me) In my opinion that asset allocation is within the range of what is reasonable. If you put 30% of stocks in international, stocks, that works out to about: 40% ...
by ruralavalon
Fri May 15, 2015 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Vanguard mutual funds
Replies: 19
Views: 1272

Re: 401k - Vanguard mutual funds

I was under the impression that BH forum is friendly and helpful. May be I got it wrong or may be my question is too silly. Your question is not silly. But more information is needed, such as: what other funds are offered in your 401k?; do you have other accounts and investments?; if so what are th...
by ruralavalon
Fri May 15, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 40989

Re: What are you up YTD?

50/50 asset allocation, retired, age 69.

Up 4.21% YTD per Morningstar portfolio manager.

Best by far is Total International.
by ruralavalon
Fri May 15, 2015 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with my 401k 31 year old single male
Replies: 15
Views: 1300

Re: Please help me with my 401k 31 year old single male

Welcome to the forum :) . Do you have any other accounts or investments besides this 401k? Do you have a desired asset allocation (stock/bond mix) that you want to aim for? I think you can probably get a better portfolio of more diversified funds with lower investing expenses. The expense ratios (ER...
by ruralavalon
Fri May 15, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating my 401k elections at 25 years old
Replies: 16
Views: 1194

Re: Evaluating my 401k elections at 25 years old

Welcome to the forum :) . . . . . . You made good choices, except for some unnecessary duplication or overlap. The American Funds have higher ERs because they are actively managed funds, instead of index funds. You should probably include a diversified intermediate-term bond fund in your asset alloc...
by ruralavalon
Fri May 15, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Bad 401(k) and Three Fund Portfolio
Replies: 9
Views: 766

Re: Bad 401(k) and Three Fund Portfolio

None of the American Funds R4 funds have a load. For any particular fund go to Morningstar, put the ticker symbol in the "quote" box, and when the fund's page comes up hit the "expense" tab and look at sales charges. So sales loads are not a factor to consider here. In retirement...
by ruralavalon
Fri May 15, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Please
Replies: 9
Views: 1253

Re: Portfolio Advice Please

Asset allocation. He wants to be moderate and you want to be aggressive in your asset allocations. I would interpret "moderate" for age 43 to be in the area of 60/40 stocks/bonds. In my opinion "aggressive" for age 36 would still have at least 20% in bonds, therefore 80/20. As m...
by ruralavalon
Thu May 14, 2015 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 401(k) and Three Fund Portfolio
Replies: 9
Views: 766

Re: Bad 401(k) and Three Fund Portfolio

Welcome o the forum :) . It's good to see that you are debt free. Your 401k has fund choices that are about average, so you should be able to create a reasonable portfolio. What is the guaranteed interest rate currently paid on the Voya Fixed Account in your 401k? That might be your best "bond&...
by ruralavalon
Thu May 14, 2015 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Correct Format with all funds included
Replies: 11
Views: 1088

Re: Correct Format with all funds included

Are there two Roth IRAs, one for you and one for her? If so, what percent of the total portfolio is in each? Is each over $3k so that you can buy an index fund there, instead of just a Target Retirement fund? What is the commission per trade to use the PCRA in your 457? Is there a webpage or documen...
by ruralavalon
Wed May 13, 2015 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Correct Format with all funds included
Replies: 11
Views: 1088

Re: Correct Format with all funds included

Will you please use the "edit" button to add the ticker symbols for each fund. The ticker symbol is five letters, such as GBIAX for Nationwide Bond Index Fund. Also in your 457 plan what is the guaranteed interest rate being paid on the Morley Stable Value Fund? Does the 457 plan offer a S...
by ruralavalon
Wed May 13, 2015 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: new investor
Replies: 14
Views: 947

Re: new investor

Ok so I just lowered my 401k contribution to 1% and plan on maxing out my roth IRA this year and every year to come. Plus any additional cash flow through the years I will keep increasing the 401k. My plan with the roth IRA is once I get to 3k is to transfer it into the VASGX then once that balance...
by ruralavalon
Wed May 13, 2015 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Correct Format with all funds included
Replies: 11
Views: 1088

Re: Correct Format with all funds included

What is your wife's age? What is your marginal tax rate, both federal and state? What is your tax filing status? What is your desired asset allocation? You need to add the tickers and expense ratios for each fund offered, both the ones you are using and the ones you are not using, in "THIS IS M...
by ruralavalon
Wed May 13, 2015 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Bond/Savings Investments [Preferences]
Replies: 12
Views: 1037

Re: Bond/Savings Investments [Preferences]

Welcome to the forum :) . It's always good to see someone starting young. Hello everyone I'm considering beginning to put money aside for when I'm a bit older and investing in a savings or bond of some sort - with decent interest rates of course. I am reaching out to you all in a search for wisdom. ...
by ruralavalon
Wed May 13, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Options
Replies: 2
Views: 238

Re: Bond Fund Options

With the Total Bond Market Index Fund containing close to 80% government securities or GNMA does anyone have any suggestions for diversifying my bond holdings? Not a whole lot but enough to defray a bit of government risk. Thank you, dentjohnson57 Consider Vanguard Intermediate-Term Corporate Bond ...
by ruralavalon
Wed May 13, 2015 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Options
Replies: 4
Views: 509

Re: Bond Fund Options

Besides the Total Market Bond Fund does anyone have a complementary bond fund option? With over 70% in government intruments I want a little bit of diversification. Thinking about VFICX Intermediate Term Investment Grade Fund. Any other options? Thanks, dentjohnson57 In addition to Vanguard Interme...
by ruralavalon
Wed May 13, 2015 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Question on Large Cap funds
Replies: 6
Views: 437

Re: Question on Large Cap funds

In my opinion the S&P 500 Index covers all of what is needed for large cap domestic stocks. The rest is overlap and duplication, not further diversification. Also it has the lowest expense ratio in your work account. I would use just the State Street 500 index fund, ER 0.30%. You ask here about ...

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