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Re: What Book Are You Currently Reading? Part VI

The Little Sister, by Raymond Chandler. A very good Phillip Marlowe mystery.
by ruralavalon
Sun Apr 26, 2015 7:43 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 650
Views: 91847

Re: Immigrant figuring out 401K, please help with selection

Again, thanks for the advice and I will read up more on IRA. Here is some reading you could do: Bogleheads' Wiki article, "Roth IRA" ; and CNN Money, Ultimate guide to retirement, "Roth IRAs" . 2. I contribute 7%, get max match 3% from employer. How much in dollars do you need t...
by ruralavalon
Sun Apr 26, 2015 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immigrant figuring out 401K, please help with selection
Replies: 11
Views: 416

Re: Immigrant figuring out 401K, please help with selection

Welcome to the forum :) . It's good to see you are debt free. I think that you should consider an asset allocation with 20% in bonds. About how much money do you think that you can contribute annually to investing? How much in dollars do you need to contribute to the 401k to get the full match each ...
by ruralavalon
Sun Apr 26, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immigrant figuring out 401K, please help with selection
Replies: 11
Views: 416

Re: New member - Seeking Asset Allocation advices

In order to achieve 35% US stocks/35% International, do you recommend allocate 5% to International from the Tax-Deferred account? Russell Int'l Value/Growth? Are they good funds in your opinion? Why do you want equal weight domestic and international? Do your plan documents give ticker symbols for ...
by ruralavalon
Sun Apr 26, 2015 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 23
Views: 1489

Re: New member - Seeking Asset Allocation advices

Asset allocation. Age: 39 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 35-40% of int'l stocks In my opinion a 70/30 stock bond asset allocation would be more reasonable for your age. An international stock allocation of around 35-40% of stocks is within the ran...
by ruralavalon
Sat Apr 25, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 23
Views: 1489

Re: New member - Seeking Asset Allocation advices

How much in dollars is the maximum employer match in the 401k?

What capital gains do you have in each position in the taxable account?
by ruralavalon
Fri Apr 24, 2015 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 23
Views: 1489

Re: Looking for emerging markets fund

I'm looking to add an emerging markets fund. The Vanguard and Fidelity emerging markets indexes both require $10,000 so that's out of the question. Those are the only two index funds that I know of. What do you recommend? Is there a good affordable active fund for emerging markets with a low minimu...
by ruralavalon
Thu Apr 23, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for emerging markets fund
Replies: 14
Views: 732

Re: International Allocation in a 401k

Thanks for the thoughts! It seems inevitable that as I increase my 401k contribution percentage, I will have it hold international in my 401k to some degree due to contribution limits to maintain proper asset allocation. Not even to mention someday I will not even be able to contribute to an IRA. T...
by ruralavalon
Thu Apr 23, 2015 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 37
Views: 1683

Re: International Allocation in a 401k

One thing I noticed is you got rid of the mid cap equity fund. Is the midcap equity fund not needed? I did the Morningstar X-Ray and the ratio I have now got me the exact same style box that total stock market has. Does this just simplify it to two funds instead of 3? As returedjg mentioned the S&a...
by ruralavalon
Thu Apr 23, 2015 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 37
Views: 1683

Re: International Allocation in a 401k

Congratulations on killing off $22k in high interest debt in just nine months. It's great to see that you have zeroed out your debt. Once your emergency fund is set up and funded, consider increasing your 401k contributions. Current asset allocation is 100% stocks, with 40% in international stocks. ...
by ruralavalon
Wed Apr 22, 2015 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 37
Views: 1683

Re: International Allocation in a 401k

It's great to see that you have zeroed out your debt.
by ruralavalon
Wed Apr 22, 2015 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 37
Views: 1683

Re: International Allocation in a 401k

It looks like you have an excellent savings rate. Congratulations on knocking off $22k in 6.8% student loan debt in just nine months. Do you have any additional debt? If so, amounts and interest rates?
by ruralavalon
Wed Apr 22, 2015 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 37
Views: 1683

Re: International Allocation in a 401k

What is your age? Your tax filing status? Your marginal tax rate?

How much (in dollars) are you contributing annually to the401k? How much (in dollars) is the employer match annually, if any? How much (in dollars) are you contributing annually to the Roth IRA.

Do you have any other accounts?
by ruralavalon
Wed Apr 22, 2015 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in a 401k
Replies: 37
Views: 1683

Re: Newbie looking for allocation thoughts/suggestions

Age: 29 Desired Asset allocation: 54% stocks / 10% bonds / 6% REIT Desired International allocation: 27% of stocks / 3% Precious Metal As mentioned earlier I suggest a minimum of 20% in bonds and I do not think precious metals, or a precious metals fund, is necessary or wise. Otherwise your desired...
by ruralavalon
Wed Apr 22, 2015 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie looking for allocation thoughts/suggestions
Replies: 6
Views: 644

Re: Quick gut-check/feedback on 27y.o.'s first full plan?

In my view the primary purpose of a bond allocation (and rebalancing) is to control risk, not to increase return. Forum discussion, "Bogle and dry powder".
by ruralavalon
Wed Apr 22, 2015 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick gut-check/feedback on 27y.o.'s first full plan?
Replies: 16
Views: 1541

Re: new job - how to decide on 401k rollover choice?

Your point about the ER difference is well-taken, but there is no simplicity advantage in opening a new Vanguard IRA to capture the old 401k finds, since I will still be maintaining the new 401k. I would be left with two accounts. Is there any other advantage to moving to a new IRA? Rolling the old...
by ruralavalon
Wed Apr 22, 2015 6:48 am
 
Forum: Investing - Help with Personal Investments
Topic: new job - how to decide on 401k rollover choice?
Replies: 12
Views: 710

Re: Quick gut-check/feedback on 27y.o.'s first full plan?

People are bad at assessing their own risk tolerance. You are only 27, and probably had little or no money in any market in 2007-09 (about age 19-21). You cannot possibly know how you would react to a market plunge in the area of 50%. Shoot. It's true that I had virtually $0 in the market 2007-2009...
by ruralavalon
Tue Apr 21, 2015 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick gut-check/feedback on 27y.o.'s first full plan?
Replies: 16
Views: 1541

Re: new job - how to decide on 401k rollover choice?

I like the simplicity of maintaining a single account, but not at the expense of leaving lots of money on the table. . . . . . Based on the weighted-average ER, this says that I should leave my old 401k open. Is that the conclusion you would come to? No. The weighted expense ratios are only a few h...
by ruralavalon
Tue Apr 21, 2015 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: new job - how to decide on 401k rollover choice?
Replies: 12
Views: 710

Re: Newbie looking for allocation thoughts/suggestions

Welcome to the forum :) . I suggest a minimum of 20% in bonds. I do not think precious metals, or a precious metals fund, is necessary or wise. Otherwise your desired asset allocation looks reasonable in my opinion. I think a REIT Index Fund at 5-10% is reasonable, especially since you don't own any...
by ruralavalon
Tue Apr 21, 2015 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie looking for allocation thoughts/suggestions
Replies: 6
Views: 644

Re: Mom is 59.5, in a terrible 403b. can she rollover?

Hi all, My mother is now 59.5 years of age and is stuck in an awful 403b that I would like to get her out of. In the 403b, what are the 3 or 4 funds with the lowest expense ratios? You only need one or two decent fund choices to make the 403b useful. Sadly, many years ago my grandfather told her to...
by ruralavalon
Tue Apr 21, 2015 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mom is 59.5, in a terrible 403b. can she rollover?
Replies: 24
Views: 2125

Re: Quick gut-check/feedback on 27y.o.'s first full plan?

Noted. I will look at increasing my bond allocation. I do see that the Vanguard Target Retirement 2055 Fund (VFFVX) (which best matches my age) has ~10% in bonds (and they keep the bond % around 10% all the way through Retirement 2040), so maybe I'll shoot to duplicate that (unless someone may sugg...
by ruralavalon
Tue Apr 21, 2015 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick gut-check/feedback on 27y.o.'s first full plan?
Replies: 16
Views: 1541

Re: new job - how to decide on 401k rollover choice?

You need to compare the funds and expense ratios in each account.

Are Spartan index funds offered in your old 401k? If so which ones?

Are better low ER index funds offered in your new 401k?
by ruralavalon
Mon Apr 20, 2015 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: new job - how to decide on 401k rollover choice?
Replies: 12
Views: 710

Re: Put in more than match into 401K?

I am waiting for details soon on specific investments through the 401k to see what choices/if any that that I have. I think this decides everything. I had the same question when I started working this past year, but thankfully ended up with some good choices. Hopefully you will too. :beer I agree, ...
by ruralavalon
Mon Apr 20, 2015 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Put in more than match into 401K?
Replies: 5
Views: 872

Re: 56 yr old ? on my Roth IRA

Consider transferring the Roth IRA to a Roth IRA at a low cost provider like Vanguard, somewhere they won't use high pressure sales tactics on you. Do a trustee to trustee transfer. Keep using low expense ratio index funds. Don't turn it over to TDAmeritrade's asset managers.
by ruralavalon
Mon Apr 20, 2015 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 56 yr old ? on my Roth IRA
Replies: 6
Views: 582

Re: Question about consolidating old 401k accounts

In general: 1) If an old 401k has some good low ER funds offered, consider leaving it as is (it sounds like this applies to at least one of your old 401ks); 2) If a new 401k will accept transfer from an old 401k and has better low ER funds offered, consider transferring the old 401k into the new 401...
by ruralavalon
Mon Apr 20, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about consolidating old 401k accounts
Replies: 5
Views: 309

Re: Help with IRA choices

Welcome to the forum :) . Sorry to hear of you job loss. It's good to see that you are entirely debt free and your home paid for. I would like to preserve/ grow my 275K and not withdraw for another 5-6 years. . . . . . Age 59 1/2 Desired asset allocation 60% stocks/40% bonds In my opinion your desir...
by ruralavalon
Mon Apr 20, 2015 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with IRA choices
Replies: 3
Views: 213

Re: Quick gut-check/feedback on 27y.o.'s first full plan?

Age: 27 Desired Asset allocation (retirement): 93% stocks / 7% bonds (120 minus age) Desired International allocation: 40% of stocks (copying Vanguard's Target Retirement 2060 here) I suggest a minimum of 20% in the bond allocation. In general: wiki, "Never bear too much or too little risk&quo...
by ruralavalon
Mon Apr 20, 2015 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick gut-check/feedback on 27y.o.'s first full plan?
Replies: 16
Views: 1541

Re: Help with my 401k Allocations and Savings build up??

About how much (in dollars) total for all accounts do you think that you can devote to investing annually? I can invest another $100-$150 per month in addition to 401k If you mean $100 - 150/month in addition to the full employee contribution of $18k/yr to the 401k, then (1) add the extra $100 - 15...
by ruralavalon
Mon Apr 20, 2015 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 401k Allocations and Savings build up??
Replies: 16
Views: 870

Re: Help with my 401k Allocations and Savings build up??

About how much (in dollars) total for all accounts do you think that you can devote to investing annually?
by ruralavalon
Mon Apr 20, 2015 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 401k Allocations and Savings build up??
Replies: 16
Views: 870

Re: Help with my 401k Allocations and Savings build up??

What else I can do other than contributing $18k per year to 401K?? Are there other investments you guys recommend me to save some money for my retirement? Like ROTH IRA or opening a Vanguard account or something else?? About how much (in dollars) total do you think that you can devote to saving and...
by ruralavalon
Mon Apr 20, 2015 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 401k Allocations and Savings build up??
Replies: 16
Views: 870

Re: Transitioning to Low-Fee Holdings

Welcome to the forum :) . I'm in the process of converting a substantial sum from my actively managed portfolio to the more low-fee index approach. I'm a little concerned about doing too much in one fell swoop with the market riding pretty high. Would it be a common approach to transition to a bond ...
by ruralavalon
Mon Apr 20, 2015 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning to Low-Fee Holdings
Replies: 4
Views: 474

Re: Help with my 401k Allocations

I have 401k with my company. If I contribute 3% of my paycheck, my company also matches 3% of my contribution. I don't have ROTH IRA. I am sorry I am in 25% bracket Be certain that you contribute at least enough to the 401k to get the full employer match each year. The funds offered in the 401k are...
by ruralavalon
Mon Apr 20, 2015 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 401k Allocations and Savings build up??
Replies: 16
Views: 870

Re: Looking for help retooling my portfolio

pennypincher, why not call Fidelity and ask what the early redemption fee would be in your case?
by ruralavalon
Sun Apr 19, 2015 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for help retooling my portfolio
Replies: 24
Views: 1893

Re: Help with my 401k Allocations

Welcome to the forum :) . Its good to see that you have no debt other than the mortgage note. There are some very good fund choices offered in your 401k, you are fortunate. Age: me: 37, Desired Asset allocation: 60 stocks / 40 bonds? Desired International allocation: not sure I suggest a 70/30 stock...
by ruralavalon
Sun Apr 19, 2015 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 401k Allocations and Savings build up??
Replies: 16
Views: 870

Re: New Member, 401k Allocation Questions

"I would not use a Target Retirement Fund in your situation. That just makes it harder to keep track of your asset allocation across the several accounts." My plan was to try and mimic the asset allocation of the Target retirement fund in my other accounts. For example 64% total stock, ~2...
by ruralavalon
Sun Apr 19, 2015 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: New Member, 401k Allocation Questions
Replies: 11
Views: 720

Re: New Job, Please Help with 401k Choices

Welcome to the forum :) . It's great to see that you have no consumer debt. Some of those 401k funds are pretty good. That's a nice savings rate. Our goal for this account is to save $20,000 per year (or 18% of her salary). She will back-door a Roth IRA for $5500, leaving me with $14,500 to put in t...
by ruralavalon
Sat Apr 18, 2015 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job, Please Help with 401k Choices
Replies: 5
Views: 568

Re: What Book Are You Currently Reading? Part VI

Sad Cypress, by Agatha Christie. Two murders, and only one person has both motive and opportunity.

Live Right and Find Happiness (although beer is much faster),by Dave Barry. Hilarious, I recommend this book.
by ruralavalon
Sat Apr 18, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 650
Views: 91847

Re: How to analyze portfolio recommendations

1) Your current portfolio is better than either recommendation, in my opinion.. You need a little more in bonds to meet your 80/20 asset allocation. You now have: Brokerage 14.9% VTIAX, Vanguard Total International Stock Index Fund Admiral Shares, ER 0.14% 14.6% VBILX, Vanguard Intermediate-Term Bon...
by ruralavalon
Sat Apr 18, 2015 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to analyze portfolio recommendations
Replies: 13
Views: 692

Re: Looking for help retooling my portfolio

If you are fairly certain that you will want this money in under five years, then you could consider short-term federally insured CDs, or a Vanguard short-term bond fund. It depends a lot on how soon you might want to use the money, and how certain you are that you might need it soon. What is the p...
by ruralavalon
Sat Apr 18, 2015 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for help retooling my portfolio
Replies: 24
Views: 1893

Re: Looking for help retooling my portfolio

Thanks for your advice! I have been investing $500 per month into my taxable account ($350 into FSTVX and $150 into FSIVX). If I sell FSIVX like you recommend, will I have to pay 10% short term gain tax on the amount of shares I've had for less than a year? If I do, what is the best way to handle t...
by ruralavalon
Sat Apr 18, 2015 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for help retooling my portfolio
Replies: 24
Views: 1893

Re: Mom is 59.5, in a terrible 403b. can she rollover?

She should ask the plan administrator whether the plan allows an "in service transfer".
by ruralavalon
Fri Apr 17, 2015 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mom is 59.5, in a terrible 403b. can she rollover?
Replies: 24
Views: 2125

Re: Help changing my 401k Plan

Welcome to the forum :) . Saving 28% of gross income is a very good savings rate. It's good to see that you have no consumer debt or credit card debt. You will do fine. Since you are already maxing your contributions to your Roth IRA, I suggest that your "more aggressive savings ($200)" go...
by ruralavalon
Fri Apr 17, 2015 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help changing my 401k Plan
Replies: 5
Views: 495

Re: 403(b) worth it despite high fees?

Definitely use the 403b. Each year the percentage impact of the $12/month fee will be less. When you leave in a few years you can transfer the balance to an IRA at a low expense provider like Vanguard or Fidelity, or perhaps transfer into your next employer's plan. So you won't be stuck with those e...
by ruralavalon
Fri Apr 17, 2015 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403(b) worth it despite high fees?
Replies: 3
Views: 340

Re: Looking for help retooling my portfolio

Thanks for the clarification. Another question: If I have about $10k in a bank account earning 0.5% would it be better to put this in my taxable account for the time being and just take it out if I need it? Or is there something better to do with this money that I may or may not need in the near fu...
by ruralavalon
Fri Apr 17, 2015 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for help retooling my portfolio
Replies: 24
Views: 1893

Re: Looking for help retooling my portfolio

Thanks for your advice! I have been investing $500 per month into my taxable account ($350 into FSTVX and $150 into FSIVX). If I sell FSIVX like you recommend, will I have to pay 10% short term gain tax on the amount of shares I've had for less than a year? If I do, what is the best way to handle t...
by ruralavalon
Thu Apr 16, 2015 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for help retooling my portfolio
Replies: 24
Views: 1893

Re: Looking for help retooling my portfolio

Any thoughts on the two non index funds I have? I would sell both, they have significantly higher ERs. I would also sell Fidelity Spartan International Index Fund Advantage (FSIVX) ER 0.12%, and instead use Spartan® Global ex U.S. Index Fund - Fidelity Advantage Class ( FSGDX) ER 0.18%, the latter ...
by ruralavalon
Thu Apr 16, 2015 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for help retooling my portfolio
Replies: 24
Views: 1893

Re: Looking for help retooling my portfolio

Any thoughts on the two non index funds I have? I would sell both (FAMRX Asset Manager 85% and FBGRX Blue chip growth), they have significantly higher ERs. As long as you stay in the 15% tax bracket any long-term capital gains are at a 00% tax rate. What are the Fidelity Spartan fund choices, or ot...
by ruralavalon
Thu Apr 16, 2015 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for help retooling my portfolio
Replies: 24
Views: 1893

Re: New member - Seeking Asset Allocation advices

There are several good no fee candidates in the 401k, for possible use in a three-fund approach. They are: Vanguard Institutional Index Plus (VIIIX) Vanguard Value Index Institutional (VIVIX) DFA Small/Mid Value Russell International Value PIMCO Total Return What expense ratios are given for those f...
by ruralavalon
Thu Apr 16, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 23
Views: 1489

Re: Count Pension + SS as part of the Bond portion of AA?

No, because they are not bonds. "Income" and "assets" are not the same thing. I agree they are not the same thing. A globe and a map are not the same thing however they are simply different projections of the same object. A lake behind a dam can be viewed as an "asset"...
by ruralavalon
Wed Apr 15, 2015 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Count Pension + SS as part of the Bond portion of AA?
Replies: 31
Views: 2141
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