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Re: Help with Personal Investments

yes the bonds are munis, but in an attempt to reach for yield, the broker bought all sorts of crap (some decent bonds, but also a few Puerto Rico bonds, which have big losses, I may sell these off and use it to offset some gains). Yes go ahead and sell the losers and aquire the tax loss, and hold o...
by ruralavalon
Mon Sep 01, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments
Replies: 15
Views: 1074

Re: Help with Personal Investments

For that taxable account, the general strategy could be: (1) turn off any automatic reinvestment of dividends or gains that might be set up (no sense in creating any more short term capital gains); (2) use the cash so generated to buy new shares of Vanguard Total Stock Market or Vanguard Total Inter...
by ruralavalon
Sun Aug 31, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments
Replies: 15
Views: 1074

Re: Portfolio Review 29 y/o- Need advice leaving Edward Jone

Welcome to the forum :) . I need some advice on transferring my portfolio from Edward Jones to Vanguard. I know this is the correct move, but I would like some facts to support this move to give to my current advisor. He is a friend of mine, and I am sure he will not be pleased with this move That i...
by ruralavalon
Sun Aug 31, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review 29 y/o- Need advice leaving Edward Jones
Replies: 4
Views: 421

Re: New - looking for portfolio advice

Welcome to the forum :) . Its good to see that you are debt free, and its always great to see someone starting young. I think that your 80/20 stock/bond allocation is about right. I agree with Duckies's suggestion about using Spartan Global ex U.S. Index Fund Investor Class (FSGUX) in the IRA, inste...
by ruralavalon
Sun Aug 31, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 12
Views: 962

Re: Protfollio Allocation Advice

What are the other funds (fund names, tickers & expense ratios) offered in your 401k? Can't possibly answer your questions or suggest ideas, without knowing what the other choices are. In general, 20 - 30% of stocks in international is within the range of what is reasonable in my opinion. In gen...
by ruralavalon
Sun Aug 31, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protfollio Allocation Advice
Replies: 13
Views: 708

Re: What Book Are You Currently Reading? Part V

Blood and Thunder , by Hampton Sides. A very interesting biography of Kit Carson, with lots of history of the Navaho tribe and New Mexico. The book covers Carson's scouting for Fremont and Kearney in California and the far west, his Army service during the Civil War and the Navaho wars in New Mexic...
by ruralavalon
Sun Aug 31, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3274
Views: 1115968

Re: Protfollio Allocation Advice

Welcome to the forum :) . Its great to see that you are debt free other than the mortgage note. It would help a lot if you gave the fund names, and not just the ticker symbols. Most of us have not memorized any ticker symbols other than for the funds we personally use. Please just add that to your o...
by ruralavalon
Sun Aug 31, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protfollio Allocation Advice
Replies: 13
Views: 708

Re: Starting at 40......

Welcome to the forum :) . My father recently passed and I will be coming into some money periodically, I got a chunk now and there will be more as his accounts are settled, so now I want to open up an account at Vanguard to invest most of this windfall, for starters about 20,000. Sorry for your loss...
by ruralavalon
Sun Aug 31, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting at 40......
Replies: 3
Views: 875

Re: REIT

Funkey wrote:Should REIT's be included in the bond portion or stock portion of a portfolio?

Thanks

REIT funds are stock funds, so count them as part of your stock allocation.
by ruralavalon
Sun Aug 31, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 12
Views: 781

Re: new job, need help with Mass Mutual 401k options

. . . . . My AA at Vanguard is about 80 stocks, 20 bonds, mostly non-taxed. . . . . . . . . . . . . . . . I'm currently planning to try to clean up my Vanguard accounts on my own first into a 3-4 fund portfolio before posting here for more advice on it, to see how well I've absorbed what I've been ...
by ruralavalon
Sun Aug 31, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: new job, need help with Mass Mutual 401k options
Replies: 8
Views: 738

Re: Looking for advice/critique

Age: 33 and 30, respectively Desired Asset allocation: 80% stocks / 20% bonds. Current allocation targets are: 30% U.S. Stocks, 25% Foreign Developed, 15% Emerging Markets. 10% REITs. 5% Short-term nominal U.S. Treasuries, 5% Long-term nominal U.S. Treasuries, 10% inflation protected bonds. . . . ....
by ruralavalon
Sat Aug 30, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/critique
Replies: 12
Views: 1209

Re: POLL: Breaking up with advisor

We had an advisor years ago, a family friend at Solomon Smith Barney. Broke up because of the high fees and the lack of planning advice.

We found it easy to break up, we just got the necessary paper work and had Vanguard assist with the transfer. We are still on friendly terms with him.
by ruralavalon
Sat Aug 30, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 47
Views: 2857

Re: new job, need help with Mass Mutual 401k options

Welcome to the forum :). I . . . plan to get the new Bogleheads book too. My AA at Vanguard is about 80 stocks, 20 bonds, mostly non-taxed. It's in a big pile of funds right now based on advice from FutureAdvisor.com but I'm planning to simplify to a 3 or 4 fund portfolio, after some more reading. I...
by ruralavalon
Sat Aug 30, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: new job, need help with Mass Mutual 401k options
Replies: 8
Views: 738

Re: Seeking portfolio asset allocation critique

No idea on the expected return, but here's an idea with a 50/50 asset allocation sliced and diced: 12.5% Vanguard 500 Index Fund Admiral Shares (VFIAX) 12.5% Vanguard Small Cap Value (VSIAX) 12.5% Vanguard International Value Fund (VTRIX) 12.5% Vanguard FTSE All-World ex-US Index Fund Admiral (VFWAX...
by ruralavalon
Sat Aug 30, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking portfolio asset allocation critique
Replies: 3
Views: 357

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

Sorry for my original post. Yes, when I first started with Vanguard, I had a 50/50 AA, then I switched over to 55/45 AA, and now I have inclined myself to be more aggressive at 65/35 AA. The original post should be 65 stock 35 bond asset allocation. Yes, I invest in a 3 fund portfolio with Vanguard...
by ruralavalon
Sat Aug 30, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 40
Views: 5306

Re: 2M turst.. Interviewing Advisor.. Advice?

The great paradox of using an advisor is that you must know some basics in order to evaluate the advice, and once you do, you also know enough to consider doing your own management. So do some reading on general investing, as if you were planning on doing it yourself -- "Suggested Reading"...
by ruralavalon
Sat Aug 30, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 2M trust.. Interviewing Advisor.. Advice?
Replies: 11
Views: 1285

Re: [Sell off individual stocks?] How many own zero/few stoc

We hold no individual stocks, all of our equities are in index funds. I'm 37, and contemplating the wisdom on here and slowly divesting my shares of individual stocks. Some of these were given to me by family, so there's the emotional bonds too that need be severed. Those stocks are heartless, dislo...
by ruralavalon
Sat Aug 30, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2674

Re: Help with son-in-law's new 401k

About how much per year (total of all accounts) do they expect they might be contributing to investing annually in the near term? Not sure, but ....just curious...why? Trying to figure out which accounts they will be likely using -- Priority 1) contribute enough to his 401k to get the full match; 2...
by ruralavalon
Sat Aug 30, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with son-in-law's new 401k
Replies: 13
Views: 1379

Re: Help with son-in-law's new 401k

About how much per year (total of all accounts) do they expect they might be contributing to investing annually in the near term?
by ruralavalon
Fri Aug 29, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with son-in-law's new 401k
Replies: 13
Views: 1379

Re: Help with son-in-law's new 401k

Welcome to the forum :) . In my opinion the account funding priority could be: 1) contribute enough to his 401k to get the full match; 2) contribute the maximum $5.5k/yr to each of the Roth IRAs; 3) contribute the maximum $17.5k/yr to her 403b; and then 4) contribute the rest of the maximum employee...
by ruralavalon
Fri Aug 29, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with son-in-law's new 401k
Replies: 13
Views: 1379

Re:

Thanks nisiprius, very prescient of you. You are right. I wouldn't mind holding VFINX because I do tend to believe large cap will have do better due to multi-nationals. (I think mid/small cap are more domestic company with no exposure to international market? please correct me if I'm wrong. ) Howev...
by ruralavalon
Fri Aug 29, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Does it make any sense to switch from VFIAX to VTSAX?
Replies: 20
Views: 2573

Re: Young, Ambitious and Relatively Clueless

Fidelity does offer a few different Spartan Index funds which are .10 - .20% annual expenses. There is a Brokerage link offered aswell but the fidelity advisor cautioned me against it saying it was an option for experienced investors only. I am looking to invest 15% of my earnings annually split in...
by ruralavalon
Wed Aug 27, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Ambitious and Relatively Clueless
Replies: 13
Views: 1375

Re: What are you up YTD?

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

Vanguard REIT Index Adm (VGSLX) = + 20.58% YTD.
by ruralavalon
Wed Aug 27, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6295

Re: Young, Ambitious and Relatively Clueless

The 401k is through fidelity. Currently I am contributing 3% (will up it to 15 once I make a decision about the loan repayment). I am enrolled in the Freedom K 2055 fund, its a lifecycle fund that beigns aggressive and becomes more conservative over time. There is no management fee and the total op...
by ruralavalon
Wed Aug 27, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Ambitious and Relatively Clueless
Replies: 13
Views: 1375

Re: Portfolio review - input needed please

It looks like you are 10% fixed income 90% equities with 50% of equities in international severe overweight emerging & frontier markets overweight domestic mid cap I do think you are being over aggressive in general, and would suggest a minimum 20% in fixed income using only low expense funds. I...
by ruralavalon
Wed Aug 27, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - input needed please
Replies: 8
Views: 636

Re: Young, Ambitious and Relatively Clueless

Welcome to the forum :) . It's always great to see someone starting young. Excellent choice for your reading material. The 401k might be a good idea, even without a match, if the fund choices are good and the expenses low. What are the 3 or 4 lowest expense ratio funds offered there? Any index funds...
by ruralavalon
Tue Aug 26, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Ambitious and Relatively Clueless
Replies: 13
Views: 1375

Re: Portfolio review - input needed please

You could get more responses if you stated the fund names, not just the tickers. Most of us don't have many tickers memorized, just the ones we personally use. Please don't expect everyone to look up all those ticker symbols, you can easily add the fund names to your original post by using the "...
by ruralavalon
Tue Aug 26, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - input needed please
Replies: 8
Views: 636

Re: Choice for IRA

Hello All: My question is somewhat simple & I greatly appreciate your input. I'm single, 59 yrs young & I’m about 8 yrs away from retirement. Listed below are my present/planned retirement accounts. I have a present IRA rolled over from previous 401k into Vanguard (Money Market temporarily)...
by ruralavalon
Tue Aug 26, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choice for IRA
Replies: 4
Views: 351

Re: What are you up YTD?

Retired.

50/50 asset allocation.

Overall YTD 7.60% -- per M* Portfolio Manager, which doesn't know how to figure in our Treasurys.
by ruralavalon
Tue Aug 26, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6295

Re: New Investor- Am I making sound investments?

I suggest that you roll your old 401k over into your current 401k. Your current 401k has at least five excellent broadly diversified Vanguard index fund options that you might want to consider using. The expense ratios are as low as you could get in an IRA at Vanguard and in one case lower. So you g...
by ruralavalon
Mon Aug 25, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: New Investor- Am I making sound investments?

Is that "~1.5-2K to invest per month that is currently going to savings" in addition to what you are putting in the ESPP, Roth IRA and 401k? (Just need to understand the total available to go into investing annually, and the % of new investing going annually into each account.) I do think...
by ruralavalon
Mon Aug 25, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: New Investor- Am I making sound investments?

Is that "~1.5-2K to invest per month that is currently going to savings" in addition to what you are putting in the ESPP, Roth IRA and 401k? (Just need to understand the total available to go into investing annually, and the % of new investing going annually into each account.) I do think ...
by ruralavalon
Mon Aug 25, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: Need some Boglehead advice ...

Hi, Should one hold both the S&P 500 and Total Stock Market Index? It makes no sense to hold both funds in separate accounts because of the overlap. In general the preference should be to use a Total Stock market fund, in my opinion. Very often a 401k or 403b account offers a S&P 500 index ...
by ruralavalon
Sun Aug 24, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need some Boglehead advice ...
Replies: 14
Views: 1345

Re: new to forum

Hi folks New to forum...just started reading "The Bogleheads Guide to Investing" after having watched Mr Bogle on Frontline's "The Retirement Gamble". Dumping my high fee funds, and am going to pursue vanguard ETF's. Am having trouble with two decisions 1 why not just do the Tot...
by ruralavalon
Sun Aug 24, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to forum
Replies: 7
Views: 751

Re: New funds available...AA check?

FDIKX is the only one leaving and can be replaced with Vanguard Total International Stock Index Fund Admiral Shares (VTIAX, 0.14% ER). Total win for us! I will also be able to tilt the allocation to small/value as before the available funds were too expensive (for example PASVX with a 1.24% ER). I ...
by ruralavalon
Sun Aug 24, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: New funds available...AA check?
Replies: 7
Views: 575

Re: Reaching some milestones, need help making a decision

Up until now, I have been contributing up to the match (5%) into my Roth TSP and $5,500 annually into my Roth IRA.* In total, I contribute ~13.5% of my current gross income to retirement (not including match). After my pay increase, I intend on increasing my TSP contribution to 8%. This will bring ...
by ruralavalon
Sun Aug 24, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Reaching some milestones, need help making a decision
Replies: 7
Views: 1198

Re: Help with AA for 25 year old

Those are the right four funds to use.Those are good low expense funds, so she should not limit herself to contributing just enough to get the full employer match. Good to hear that she is debt free. Suggest a good book for her to read, so she can make her own decisions going forward. Maybe a short ...
by ruralavalon
Sun Aug 24, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 521

Re: 401K help

Contribute enough to the 401k to get the full match, no matter what. Definitely check to see if your 401k plan offers a BrokerageLink, and if so what Fidelity Spartan funds you can get. If you can get Fidelity Spartan funds without an extra fee beyond their expense ratios, then contribute as much as...
by ruralavalon
Sat Aug 23, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 8
Views: 485

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

When more people start to do the right thing, it does not thereby magically become the wrong thing to do :) .
by ruralavalon
Sat Aug 23, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6645

Re: New Investor- Am I making sound investments?

Thanks again for sharing your thoughts! Even your questions are making me think about things more/differently than I have in the past. I just updated my post to address your questions; please let me know if you need any more information. What is your current balance in the ESPP? Where is that accou...
by ruralavalon
Fri Aug 22, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: Please critique my portfolio

There's no such thing as a "backdoor IRA" there are just traditional IRAs and Roth IRAs and a spouse can open the former based on the other's income and can convert any TIRA to Roth whenever desired. . . . . . I don't think your wife can contribute unless she receives 'earned' income. Thi...
by ruralavalon
Fri Aug 22, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 42
Views: 3782

Re: Is the Aggregate Index Too Heavy in Treasuries?

Thanks BigJohn and Valuethinker for the explanations on convexity and callability.
by ruralavalon
Fri Aug 22, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Aggregate Index Too Heavy in Treasuries?
Replies: 63
Views: 2987

Re: New Investor- Am I making sound investments?

Welcome to the forum :) . Its good to see that you are debt-free other than the mortgage note. And I believe that you are wise to think in terms of using a three fund portfolio. Age: 26 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 15% of stocks Your desired asse...
by ruralavalon
Fri Aug 22, 2014 6:46 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor- Am I making sound investments?
Replies: 22
Views: 2567

Re: What Book Are You Currently Reading? Part V

I didn't even get what the "M" stands for. Not surprising. The definition of M is somewhat open at this time. Ed Witten has suggested the meaning of the title should be decided when a more fundamental formulation of the theory is known. I wouldn't worry about it. My personal philosophy is...
by ruralavalon
Fri Aug 22, 2014 6:27 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3274
Views: 1115968

Re: Giving back, charity, and similar

Hello and thank you in advance for your participation, I've been writing and rewriting this for a few minutes so I am just gonna spit it out: In what way do you give back to others or society and what does it mean to you? We give about 08% to charities. We give about 02% in gifts that do not qualif...
by ruralavalon
Thu Aug 21, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Giving back, charity, and similar
Replies: 22
Views: 1500

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

I thought that the WSJ article was great, and tend not to worry about whether success will spoil Vanguard. Any idea what percentage of the total money invested at Vanguard is in "index" vs. "managed" funds? According to Morningstar , at the end of 2013, about 70% of Vanguard's as...
by ruralavalon
Thu Aug 21, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6645

Is the Aggregate Index Too Heavy in Treasuries?

Here is a recent Morningstar article: "Is the Aggregate Index Too Heavy in Treasuries?" . "During the past 14 years, the percentage of U.S. Treasuries in the Aggregate Index increased to more than 40% from 16%." They state that the current portfolio composition of the Aggregate I...
by ruralavalon
Thu Aug 21, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Aggregate Index Too Heavy in Treasuries?
Replies: 63
Views: 2987

Re: What Book Are You Currently Reading? Part V

The Grand Design , by Stephen Hawking and Leonard Mlodinow. I can't say that I understand them. But they seem to say that M-theory: (1) predicts multiple universes created out of nothing; (2) its the only candidate for a "complete theory of the universe"; (3) but its "yet to be prove...
by ruralavalon
Thu Aug 21, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3274
Views: 1115968

Re: Please critique my portfolio

One question: would it make sense for me to put $$ into small cap growth funds given my large exposure to large cap through RSUs? Essentially, a 3-fund plus mid-cap & REIT portfolio? Definitely do NOT use small cap growth funds, small cap growth has been correctly labelled as the "black ho...
by ruralavalon
Thu Aug 21, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 42
Views: 3782

Re: Please critique my portfolio

Since you have and will continue to have a large taxable account, and are in the 33% tax bracket, your investing needs to be tax efficient: "Principles of tax-efficient fund placement" . That means: bonds in tax-protected accounts; REIT in tax-protected accounts; and stock index funds in t...
by ruralavalon
Thu Aug 21, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 42
Views: 3782
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