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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: 23
Views: 1508

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
Replies: 2
Views: 69

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: 644

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: 489

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: 635
Views: 88902

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: 625

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: 23
Views: 1508

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: 23
Views: 1508

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: 13
Views: 1340

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: 483

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: 328

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: 23
Views: 1508

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: 23
Views: 1508

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: 23
Views: 1508

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: 23
Views: 1508

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: 16
Views: 833

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: 2088

Re: Looking for help retooling my portfolio

How much are you contributing annually to your 401k? How much are you getting in employer match, if any? How much are you adding annually to the taxable account? (Answers in dollars, not percentages, please.) What are the Fidelity Spartan fund choices, or other low expense ratio funds, offered in th...
by ruralavalon
Wed Apr 15, 2015 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for help retooling my portfolio
Replies: 23
Views: 1508

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

Gambler wrote:My mom is retired (age 65).
Her pension + SS is more than enough to cover her monthly expenses.
. . . . .
Should she count the pension/SS as Bonds?

No, because they are not bonds. "Income" and "assets" are not the same thing.
by ruralavalon
Wed Apr 15, 2015 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Count Pension + SS as part of the Bond portion of AA?
Replies: 31
Views: 2088

Re: New member - Seeking Asset Allocation advices

Based on the Vanguard Funds in Questionaire, based on my Risk Tolerance level, they recommend "100% Stocks", I wonder if this is a wise choice to go 100% Stocks? https://personal.vanguard.com/us/FundsInvQuestionnaire No 100% stocks is not a wise choice in my opinion. The be s t way to jud...
by ruralavalon
Wed Apr 15, 2015 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 16
Views: 833

Re: New member - Seeking Asset Allocation advices

You say that you can "purchase any stocks/mutual funds with this 401k account". Sounds like a brokerage option. Are there extra fees for that? If so, what are the extra fees? Are there funds you can purchase without those additional fees? If so, what funds (names, tickers & expense ra...
by ruralavalon
Wed Apr 15, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 16
Views: 833

Re: New member - Seeking Asset Allocation advices

Based on the Vanguard Funds in Questionaire, based on my Risk Tolerance level, they recommend "100% Stocks", I wonder if this is a wise choice to go 100% Stocks? https://personal.vanguard.com/us/FundsInvQuestionnaire No 100% stocks is not a wise choice in my opinion. The be s t way to jud...
by ruralavalon
Wed Apr 15, 2015 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 16
Views: 833

Re: New member - Seeking Asset Allocation advices

You say that you can "purchase any stocks/mutual funds with this 401k account". Sounds like a brokerage option. Are there extra fees for that? If so, what are the extra fees? Are there funds you can purchase without those additional fees? If so, what funds (names, tickers & expense rat...
by ruralavalon
Wed Apr 15, 2015 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 16
Views: 833

Re: New member - Seeking Asset Allocation advices

Welcome to the forum :) . It's good to see that you have no consumer debt or outstanding student loans. Your portfolio is awfully complex, with many very small positions. You can certai simplify. In my opinion a 70/30 stock bond asset allocation would be more reasonable for your age. I wouldn't worr...
by ruralavalon
Wed Apr 15, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member - Seeking Asset Allocation advices
Replies: 16
Views: 833

Re: 401k funds advice

I corrected the ratio in the prior post.
by ruralavalon
Wed Apr 15, 2015 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k funds advice
Replies: 6
Views: 465

Re: 19 year old with Roth IRA

Welcome to the forum :) .

What about:
80%, Schwab Total Stock Market Index Fund (SWTSX) ER 0.09; and
20%, Schwab Total Bond Market Fund (SWLBX) ER 0.29%.

In my opinion the expense ratio on the Schwartz Target Retirement Fund is too high to consider using that fund.
by ruralavalon
Tue Apr 14, 2015 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 19 year old with Roth IRA
Replies: 12
Views: 1308

Re: 401k funds advice

Here are the four funds I suggest for possible use in the 401k. You might consider using some Vanguard Total International Stock Market Index Fund in the Roth IRA, rather than any of the international funds in the 401k. BTC Equity Index M ER 0.02%, <= a S&P 500 Index fund SSgA Russell 2000 Index...
by ruralavalon
Tue Apr 14, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k funds advice
Replies: 6
Views: 465

Re: New Member, 401k Allocation Questions

Welcome to the forum :) . In my opinion your desired asset allocation is within the range of what is reasonable. I think that 20% or 25% in international would be more reasonable. I would not use the mid-cap fund in addition to the total stock market fund, that is overlap and unnecessary duplication...
by ruralavalon
Tue Apr 14, 2015 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Member, 401k Allocation Questions
Replies: 11
Views: 644

Re: What Book Are You Currently Reading? Part VI

Steve Jobs, by Walter Isaacson. I am an Android guy, and have never owned an Apple product. Still this is a very interesting and compelling biography, and an inside history of a part of the computer industry.
by ruralavalon
Tue Apr 14, 2015 1:29 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 635
Views: 88902

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

In your 401k plan materials is there a ticker symbol and expense ratio given for the Loomis Sayles Core Plus Fixed Income Trust (Class D)?

In your original post please add the tickers and expense ratios for the other balanced and stock funds offered in his 401k?
by ruralavalon
Mon Apr 13, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1034

Re: New member here, got some questions!

Welcome to the forum :) . I am a 24 year old male, and I'm in my last semester of school for my bachelor's degree in Pre-Medical Biology. I don't plan on doing anything medical, or biological at that. First, find a useful profession or occupation to earn your living. I am sick and tired of being bro...
by ruralavalon
Mon Apr 13, 2015 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member here, got some questions!
Replies: 14
Views: 968

Re: What to add to my "Core 3"

Currently I have our retirement portfolio spread across the 401K as well as 2 Vanguard Roth IRAs as follows: His 401K - $23,000 (~63%) 100% Principal Large Cap S&P500 Index Separate Account – no ticker - (.32%) current plan is to contribute 6% each paycheck (with a 3% employer match), which is ...
by ruralavalon
Mon Apr 13, 2015 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to add to my "Core 3"
Replies: 40
Views: 4804

Re: Which net expense ratio... (401k question, portfolio add

Follow up questions: 1) If the only part I can really impact in the short term is my 401k, should I still go ahead and do a 3-fund portfolio there. I appreciated the pull quote about the international markets exposure -- if I wanted to do 30% international, would it look like this: 42% SSgA S&P...
by ruralavalon
Mon Apr 13, 2015 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which net expense ratio... (401k question, portfolio added)
Replies: 11
Views: 1019

Re: Assistance with Vanguard Funds and Portfolio

One last questions: I have the emergency cash of $50k sitting in a savings account collecting 0.19%, any advice on where I can place that? There are currently no good choices. Consider: (1) short-term federally insured new issue CDs ; (2) a short-term bond fund such as Vanguard Short-Term Investmen...
by ruralavalon
Mon Apr 13, 2015 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with Vanguard Funds and Portfolio
Replies: 14
Views: 1870

Re: Two Comma Club

Congratulations :D .
by ruralavalon
Sun Apr 12, 2015 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 66
Views: 8518

Re: Best investment in a Taxable Account ?

Hello Everyone .I am new to the forum I am glad that I came across it . I started investing late but I have a high income so I am thinking of investing heavily in Taxable account after I Max out 401k , Roth IRA . What is the most tax efficient investment I should have ? Probably Vanguard Developed ...
by ruralavalon
Sun Apr 12, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best investment in a Taxable Account ?
Replies: 11
Views: 1274

Re: Help with Wifes American 401K

Welcome to the forum :). You are correct that she can't switch her 401k from American Funds to Vanguard. What are the ticker symbols, and expense ratios charged for three those funds in her 401k? What other funds (please give fund names, tickers and expense ratios) are offered in her 401k? Are the l...
by ruralavalon
Sun Apr 12, 2015 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Wifes American 401K
Replies: 1
Views: 203

Re: 401k bond fund recommendation?

Both are good bond funds. BlackRock US Debt-T (0.06 ER, no ticker symbol, link to pdf ), index fund (Barclays Capital Aggregate Bond Index), better average credit rating, average duration about the same, more diversified, lower expense ratio. PIMCO Total Return Instl (0.46 ER, PTTRX, link to Morning...
by ruralavalon
Sun Apr 12, 2015 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond fund recommendation?
Replies: 8
Views: 770

Re: Assistance with Vanguard Funds and Portfolio

Age: 29.75 Desired Asset allocation: xx% stocks / xx% bonds. Unsure, but from what I’ve read on this forum, 80-20. I am currently heavily stocks. Desired International allocation: xx% of stocks. Unsure. I suggest about 30% of stocks in international stocks. Please see: Vanguard paper, "Conside...
by ruralavalon
Sun Apr 12, 2015 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with Vanguard Funds and Portfolio
Replies: 14
Views: 1870

Re: Which net expense ratio... (401k question, portfolio add

My question is, which 401k fund I should pick for myself? ("Her 401k") Pick funds for the best combination of broad diversification and low expense ratios. My ideas for funds to use in her 401k are: SSgA S&P 500 Index Securities Lending Series Fund - Class IX (0.71%) PIMCO Total Retur...
by ruralavalon
Sat Apr 11, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Which net expense ratio... (401k question, portfolio added)
Replies: 11
Views: 1019

Re: Assistance with Vanguard Funds and Portfolio

Current Employer - $100,000 -is managed by AON, and states the funds aren’t a registered “fund.” The fund my money goes into is a fund that mimics the Russell 1000 index with an expense ratio of 0.02%. What are the other investments (name, expense ratio & index used) offered in your current 401...
by ruralavalon
Sat Apr 11, 2015 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with Vanguard Funds and Portfolio
Replies: 14
Views: 1870

Re: Which net expense ratio do I use?

There are quite a few more choices than I've had in previous 401k plans... I listed the lower ER's near the top. I'm currently in the T Rowe Price 2040 fund -- comments and recommendations appreciated :) And let me know if I should post my whole portfolio. Yes, do post more detail and all accounts....
by ruralavalon
Thu Apr 09, 2015 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Which net expense ratio... (401k question, portfolio added)
Replies: 11
Views: 1019

Re: Assistance with Vanguard Funds Mix

Here is some more information on asset allocation: wiki "Never bear too much or too little risk" . At age 29, something around 80/20 stocks/bonds would be fairly typical: forum post, " % Stocks vs Age" . What do you think you might want in the way of a stock/ bond mix? Do you hav...
by ruralavalon
Thu Apr 09, 2015 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with Vanguard Funds Mix
Replies: 10
Views: 1000

Re: Second Opinions Requested?

Fund selection and asset allocation both look reasonable to me.
by ruralavalon
Wed Apr 08, 2015 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Second Opinions Requested?
Replies: 7
Views: 682

Re: Which net expense ratio do I use?

Look in the 401k plan documents, such as the Summary Plan Description. Expense ratios charged for funds in a 401k are often different from the expense ratios charged to the general public for the same funds.
by ruralavalon
Wed Apr 08, 2015 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which net expense ratio... (401k question, portfolio added)
Replies: 11
Views: 1019

Re: Assistance with Vanguard Funds Mix

Welcome to the forum :) . It's good to see you starting young at saving and investing. What sort of account are those four funds in? Do you have any other accounts? Like 401k, 403b, 457, IRAs? If so what is in each of the other accounts? Your desired asset allocation? Your marginal tax rate? You can...
by ruralavalon
Wed Apr 08, 2015 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with Vanguard Funds Mix
Replies: 10
Views: 1000

Re: Newbie Boglehead-portfolio Help

I have a follow-up question on this: Here is an example portfolio to consider, using the three-fund approach, in that asset allocation. His 401k (have 7% of pay going to fund; company match- 100% up to 3%, .50% up to 5%) 40%, Vanguard 500 Index Adm - VFIAX, ER 0.05% 10%, Vanguard Extended Market In...
by ruralavalon
Wed Apr 08, 2015 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Boglehead-portfolio Help
Replies: 8
Views: 770

Re: Newbie.. 401k & investment advice please

Hi, I wanted to ask about the funds in both our Roth accounts, which one should I choose - Vanguard Total Bond Index /Vanguard Total Stock Market Index / Vanguard Total International Stock Index Fund ? Should I get just one fund for entire 11k (for each of us) or split it ? I know you already gave ...
by ruralavalon
Wed Apr 08, 2015 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie.. 401k & investment advice please
Replies: 44
Views: 3533

Re: How do you invest your taxable account?

Currently only Vanguard Total International Stock Market Index Fund Admiral VTIAX).
In the past also Vanguard Total Stock Market Index Fund Admiral (VTSAX).
by ruralavalon
Tue Apr 07, 2015 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 7506

Re: Vanguard advice to increase international bonds and stoc

Looking at some of our holdings, I was surprised to find out how much we have in foreign bonds without even considering Vanguard's foreign bond index fund, VTABX. . . . . . Vanguard's Portfolio Watch does not recognize any of these. Without including VTABX, we get flagged for not having foreign bon...
by ruralavalon
Tue Apr 07, 2015 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 26
Views: 2950
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