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Re: Looking at top 1% for actionable insight

Most of the relationships to being a top 1% would likely be spurious and not really actionable. Probably a lot of 1% drive BMW's - but it doesn't follow that I will become a 1% by buying a BMW. As I recall from "The Millionaire Next Door" a common ride of the wealthy they studied was a Fo...
by ruralavalon
Tue Apr 15, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 37
Views: 3442

Re: Available Funds in 401K - Opinions please

(I'll post separately about the entire portfolio, once I collect sufficient data) Here are the available funds. Ideally I would like a 70-30 or 60-40 AA in this 401K but that's not a must, I will take any good fund(s) here and adjust the rest of the portfolio accordingly. Thanks in advance. What is...
by ruralavalon
Tue Apr 15, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Available Funds in 401K - Opinions please
Replies: 5
Views: 268

Re: Investments/Allocations

(1) Age 60, retired, 50/50 stock/bond allocation, 30% of stocks in international stocks, low 7 figure balance. The asset allocation seems very reasonable to me The total market type mutual funds used also seem very reasonable to me, that's excellent diversification with low expense ratios. There wou...
by ruralavalon
Tue Apr 15, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments/Allocations
Replies: 11
Views: 581

Re: Initial portfolio set-up/plan

. . . . . I'd like to get the debt paid down faster than current payment amounts allow in the future. A realistic long term saving goal is probably closer to 25%, but we've committed to a very Spartan lifestyle for this coming year to get things back in order. Glad to see that. Too many people make...
by ruralavalon
Tue Apr 15, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Initial portfolio set-up/plan
Replies: 9
Views: 508

Re: Initial portfolio set-up/plan

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

What is your savings rate (not counting employer pension contributions)?
by ruralavalon
Tue Apr 15, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Initial portfolio set-up/plan
Replies: 9
Views: 508

Re: What Book Are You Currently Reading? Part V

Stocks for the Long Run (5th ed), by Jeremy Siegel. I hadn't read any earlier edition, and have just started this book. Thee book begins with an interesting analysis of the 2008 housing bubble and its collapse, and mention of previous market crashes and the amount of time taken to recover.
by ruralavalon
Tue Apr 15, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2616
Views: 591593

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

They do a presentation once a year and my wife has inquired about index funds and they basically shoot her down and show how well their active funds have been performing over the last few years. As you can imagine, that statement is factually incorrect. Her funds are a bunch of turds. (Though she s...
by ruralavalon
Mon Apr 14, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 33/34 Simplifying Portfolio & 401k Options Advice
Replies: 23
Views: 1386

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

Welcome to the forum :) . Its great to see that you have no debt, are living frugally and starting investing at an early age. Age: 23 Desired Asset allocation: xx% stocks / xx% bonds (assuming 70-80 stocks / 20-30 bonds) Desired International allocation: xx% of stocks (I don't know) In my opinion, a...
by ruralavalon
Mon Apr 14, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to do it right the 1st time around
Replies: 10
Views: 526

Re: AA/retirement questions

In investigating the company 401K, the company covers all management expenses associated with the fund, so the ER of each fund is the cost to the individual. Also, I did find out that a brokerage account in the 401k is an option. I was wondering if this is an avenue to pursue, or should I stick wit...
by ruralavalon
Mon Apr 14, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA/retirement questions
Replies: 11
Views: 1035

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

Welcome to the forum :) . simpleton's advice on how to start liquidating the taxable holdings with minimal tax cost is sound, so you should start doing that. Also in taxable you could sell Vanguard Ftse Pacific Etf and Vanguard Small Cap Value Etf to simplify, for a relatively small gain and tax hit...
by ruralavalon
Sun Apr 13, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 33/34 Simplifying Portfolio & 401k Options Advice
Replies: 23
Views: 1386

Re: advisor advice?

hello, I was wondering if even though I like the personable Advice and constant attention of my Edward Jones advisor, if I'm making a big mistake and losing too much money with them? We only have 425k and not enough for personal advice and planning with Vanguard I was told. Thoughts and comments we...
by ruralavalon
Sun Apr 13, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: advisor advice?
Replies: 25
Views: 1368

Re: A foolish investor?

I'm reading Boglehead Guide to investing and the Wiki, and learning a lot. Currently, in my 401K and Roth, I have approximately 95% in stocks. I am 20 years from expected retirement. Is it foolish to be this aggressive? I guess I'm making up for lost time. I've read that my bond allocation should n...
by ruralavalon
Sun Apr 13, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: A foolish investor?
Replies: 13
Views: 1498

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

I have a Wells Fargo 401k and I'm wondering where I should put my money. Should I just be looking for the fund with the lowest expense ratio or what? Right now I have it in the Fidelity Freedom 2050 but I hear those are garbage. Fidelity Freedom 2050 is not "garbage", but it does not use ...
by ruralavalon
Sat Apr 12, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me decide what fund to put my 401k money into
Replies: 11
Views: 326

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

First decide on your asset allocation, then worry about funds. What is your desired asset allocation for your overall portfolio consisting of all your accounts? I don't know what my desired asset allocation should be. Do you mean the amount of funds that are in bonds vs. stock? Yes, that means the ...
by ruralavalon
Sat Apr 12, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me decide what fund to put my 401k money into
Replies: 11
Views: 326

Re: Help w/simplifying our accounts and emergency fund

have been attempting to create each of our individual accounts so that they hold funds for Total Stock, Total Bond, and Total International (if possible). Is this a mistake? I was thinking it would give us increased flexibility in the future, both when looking at what types of funds we had invested...
by ruralavalon
Sat Apr 12, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/simplifying our accounts and emergency fund
Replies: 22
Views: 1905

Re: Portfolio advice

Welcome to the forum :) . I can see how format is hard to read. When typing, I used spacing that apparently did not appear on finished product.Why, I have so many funds is that I followed advice of a fee only consultant. Thank you. You can easily reformat in your original post, just by using the &qu...
by ruralavalon
Thu Apr 10, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 5
Views: 423

Re: How to invest my "Emergency Fund"

Few details: -Early 30's, Single -Net Worth - multiple times annual salary -Emergency Fund - 15-20K (roughly 1 year's living expenses), all in a checking account earning 0%, this is also used to cover my monthly expenses (rent, cc bill as well as taxes due every April), and slowly grows throughout ...
by ruralavalon
Thu Apr 10, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 1929

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

This is a common idea around here, and central to the buy - hold - re-balance investment philosophy. The follow-up question is: How do I determine my personal risk tolerance? Is this just an emotional decision? How well can I stomach a loss? I'm not simply asking what my risk tolerance should be. R...
by ruralavalon
Thu Apr 10, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Choose an AA appropriate for your personal risk tolerance"
Replies: 10
Views: 805

Re: 54 year old new investor with no retirement savings

Welcome to the forum :) . Age 54, $70k to invest, no other investments, no debt, what to do? What is your marginal tax rate, both federal and state? Any 401k, 403b, 457b available at work? If so, what investments (fund names, tickers & expense ratios) are offered in them? Any employer match? If ...
by ruralavalon
Tue Apr 08, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 54 year old new investor with no retirement savings
Replies: 14
Views: 2387

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

Vanguard REIT Index (VGSIX): a Good Investment, Now? In my opinion nearly any question with the word "now" in it , is probably the wrong question. I have no opinion on the timing part of the question. In my opinion Vanguard REIT Index adds diversification benefit (thru low correlation to ...
by ruralavalon
Tue Apr 08, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT Index (VGSIX): a Good Investment, Now?
Replies: 7
Views: 1142

Re: How often do you rebalance to maintain your AA

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

Before retirement I rebalanced once per year at most.
by ruralavalon
Tue Apr 08, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1587

Re: 22 year old needing portfolio advice/guidance

I'm wondering if I should worry about any small to mid cap funds such as the mid cap fund in my 401k or a small or mid cap fund through Vanguard in my Roth? A S&P 500 fund is an acceptable substitute for a total market fund, where no total market fund is offered in a 401k. I would not worry abo...
by ruralavalon
Tue Apr 08, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 year old needing portfolio advice/guidance
Replies: 5
Views: 515

Re: 22 year old needing portfolio advice/guidance

Welcome to the forum :) . Age: 22 Desired Asset allocation: 90% stocks / 10% bonds (or cash, or whatever some of you think is best) Desired International allocation: Unsure - would love some advice and good funds I would suggest about 30% of stocks in international stocks.This Vanguard study suggest...
by ruralavalon
Tue Apr 08, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 year old needing portfolio advice/guidance
Replies: 5
Views: 515

Re: Please Help Fix Our Portfolio

Thank you for sharing that chart sunnywindy. What's the saying about a picture being worth a thousand words? A small problem with that picture, there are no market indexes going back to 1803. The Dow 30 was the earliest stock index, first calculated in 1896. The Lehman (now Barclays Aggregate) bond...
by ruralavalon
Tue Apr 08, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Fix Our Portfolio
Replies: 7
Views: 921

Re: Please Help Fix Our Portfolio

2. Since you weathered the financial crisis without panicking, it's wise to not have bonds since you will have more money later on. Stocks represent short term volatility but long term certainty as there has never been a 20 year period where stocks have not been profitable. That's definitely the mi...
by ruralavalon
Mon Apr 07, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Fix Our Portfolio
Replies: 7
Views: 921

Re: IRAs and 401K consolidation

Welcome to the forum :) .

Will need more details, please amend your original post using the "edit" button to add the information like this: "Asking Portfolio Questions"
by ruralavalon
Mon Apr 07, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRAs and 401K consolidation
Replies: 4
Views: 296

Re: Cash [inheritance]

1. Take your time, there is no rush;

2. Read this, "Managing a windfall";

3. Beware of anyone trying to sell you anything;

4. Make a plan -- see this, "Bogleheads® investment philosophy".
by ruralavalon
Mon Apr 07, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash [inheritance]
Replies: 6
Views: 772

Re: Please Help Fix Our Portfolio

Questions: 1. Any better options for approximating the three fund portfolio (or two fund portfolio in our case since we have no bonds)? We're open to any and all suggestions. 2. We are risk tolerant and watched our investments tank during the great recession without touching them. We also consider ...
by ruralavalon
Sun Apr 06, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Fix Our Portfolio
Replies: 7
Views: 921

Re: Why pay off your house?

For context, OP Rufus 608 has a "new house 30 year mortgage about 245k at 4.375% interest ", and is thinking about spouse retiring in 6 years and OP retiring in 15 years. "Are we saving too much or too litte?"
by ruralavalon
Sun Apr 06, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 8368

Re: Student Loans -- a surcharge on your job?

I wouldn't borrow at 7.5% to invest at 5% (which is what a typical investment portfolio will return going forward), as you're doing there effectively. Along these lines, paying off higher interest loans (and 7.5% is definitely high interest) is generally considered the highest "investing"...
by ruralavalon
Sun Apr 06, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans -- a surcharge on your job?
Replies: 26
Views: 1545

Re: Portfolio and game-plan checkup for 34 year old couple

Welcome to the forum :) . Based on several books I've read on investing and from the many posts on this site, I feel that I have things pretty much under control, but I would greatly appreciate any feedback and tips on what I may be missing or can handle anything more effectively. It looks to me lik...
by ruralavalon
Sun Apr 06, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio and game-plan checkup for 34 year old couple
Replies: 5
Views: 867

Re: VSMGX, #57 out of 250, C+

When I use Vanguard’s online tools to recommend a fund for my situation, it suggested Vanguard LifeStrategy Moderate Growth Fund (VSMGX). But when I ran this fund by the US News & World Report site the fund came in at #57 out of 250 they sampled. Not terrible, but they’re claiming there are 56 ...
by ruralavalon
Sat Apr 05, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1497

Re: Are we saving too much or too litte?

Your information is hard to analyze as its scattered around in several posts. Trying to summarize your several posts, here is what I see: Age: Me: 40 -- the wife: 50 Debt: Student loan $30k (7.5%); car loan (2.9%); and loan for new house, 30 year mtg $245k @ 4.375% Current income: ME $90k/yr WIFE $6...
by ruralavalon
Sat Apr 05, 2014 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2826

Re: What Book Are You Currently Reading? Part V

Does anyone here ever get to the point of finance book overload where all these books are pretty much saying the same thing? Yes, I have reached that point and haven't bought a new investing "how to" book for a couple of years. Have bought history books regarding the housing bubble and cr...
by ruralavalon
Sat Apr 05, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2616
Views: 591593

Re: Bogleheads/Paul Merriman

It looks like the best idea is to fully fund a traditional IRA for 2013 and 2014 both, don't use a Roth IRA at all, and amend your already filed 2013 tax return later.
by ruralavalon
Sat Apr 05, 2014 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads/Paul Merriman
Replies: 33
Views: 3066

Re: Contributing to prior year's Roth

It looks like the best idea is to fully fund a traditional IRA for 2013 and 2014 both, don't use a Roth IRA at all, and amend your already filed 2013 tax return later.
by ruralavalon
Sat Apr 05, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Contributing to prior year's Roth
Replies: 23
Views: 1171

Re: Consolidation with Schwab?

Thank for all the great advice. Question - I thought most 401(k) plans, if you want to move the money to an IRA elsewhere, that the assets have to be liquidated, you receive a check made out to the IRA and you handle the deposit yourself. Most 401(k) plans I've been in, I don't think they have an i...
by ruralavalon
Sat Apr 05, 2014 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Consolidation with Schwab?
Replies: 21
Views: 1363

Re: My 401k

Thanks for the input everyone. The shares for PIMCO are definately class A (PTTAX) not ADMIN shares. With my wife's 403b, there is a self-directed option. Are there any problems with a 401k offering Target Retirement Date funds as a default, and only offering a self-directed option besides that? Wh...
by ruralavalon
Sat Apr 05, 2014 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: My 401k
Replies: 8
Views: 766

Re: Consolidation with Schwab?

1. Stop, educate yourself at bit first. Nothing you said indicates any reason to rush. 2. Do some reading. On the wiki, start with these: "Bogleheads® investment philosophy" "Getting started" Also read a book or two from the General Investing books here: "Suggested reading&q...
by ruralavalon
Thu Apr 03, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Consolidation with Schwab?
Replies: 21
Views: 1363

Re: My 401k

if you take up the "opportunity to become involved in the 401k committee", you can be a great help to your co-employees but need to recognize that some work and responsibility are involved. I met with one of the advisors from Morgan Stanley for a financial plan, and was underwhelmed. Basic...
by ruralavalon
Thu Apr 03, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: My 401k
Replies: 8
Views: 766

Re: Bogleheads/Paul Merriman

So I guess, I'll do a 2013 Roth, and 2014 Traditional? With that being 2 seperate accounts, at only $5500 each, I won't take advantage of the Admiral shares costs, correct? That's correct you won't be able to get Admiral shares for any fund in an IRA immediately, only after you reach $10k per accou...
by ruralavalon
Thu Apr 03, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads/Paul Merriman
Replies: 33
Views: 3066

Re: Bogleheads/Paul Merriman

Thanks everyone for your replies!! I guess I have tons more reading to do. And hard to believe, but it sounds like simpler really is better. So if I go with the initial 3, any certain percentages? [emphasis added] I'm not exactly sure how much I'm going to invest yet. My plan is to open a 2013 Roth...
by ruralavalon
Thu Apr 03, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads/Paul Merriman
Replies: 33
Views: 3066

Re: Should I include my pension in my portfolio?

JW Nearly Retired wrote:Also, IMO, something that won't be real until 20 years out shouldn't be given much weight.

Exactly the point I would make. You don't know if the pension, or even your employer, will still exist in 20 years.
by ruralavalon
Thu Apr 03, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I include my pension in my portfolio?
Replies: 16
Views: 1395

Re: help for a fellow seeker

Don't feel that you have to justify your move to him, or that you need to argue the merits of your decision. Just call Vanguard to have them help you with the move, and ask your adviser to provide you with the forms they will require you to sign and submit to them. You could ask if there are account...
by ruralavalon
Wed Apr 02, 2014 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: help for a fellow seeker
Replies: 30
Views: 2608

Re: Total International vs Pacific & European

EM results aren't even close to European results - that is the point. Do I use data for decision making or go with media news while I watch results of a whole fund ( good and bad individual country results) determine the course? bigez17 , the data is a bit different than that. While Europe (VEURX) ...
by ruralavalon
Wed Apr 02, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International vs Pacific & European
Replies: 17
Views: 1230

Re: best place for indexed funds for the novice

. . . but I wasn't convinced enough to go all the way, though I've gone heavier in equities than I might otherwise. A pension makes you a bit gutsy, I guess, as it probably should.) In my opinion thats a a sensible approach, having the pension increases the risk tolerance but not to the point of el...
by ruralavalon
Wed Apr 02, 2014 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1497

Re: help for a fellow seeker

You said that the managed IRAs are up 17% net on an annualized basis since February 2012. I don't know how they/you did the comparison, but it doesn't ring true to me. Vanguard Balanced Index Fund Admiral Shares (VBIAX), with a 60/40 stock/bond allocation, is up 27% (13.6% annualized) net of expens...
by ruralavalon
Wed Apr 02, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: help for a fellow seeker
Replies: 30
Views: 2608

Re: Advice sought for setting up an index fund Roth

[1] I need to get my Roth contribution going before the Tax deadline. So I want to just keep it simple and open an account (probably with Vanguard), make the contribution, then potentially roll over the rest at a later date. Any reason why rolling it over first and then contributing is better, othe...
by ruralavalon
Tue Apr 01, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for setting up an index fund Roth
Replies: 14
Views: 536

Re: best place for indexed funds for the novice

I already have retirement accounts and cash savings, but I also have a 14K lump I’d like to move into a mixture between stock and bond funds, with the idea of pulling it back out in 5-10 years. I’m trying to minimize fees and trading costs, and I’m not very knowledgeable at all about different kind...
by ruralavalon
Tue Apr 01, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place for indexed funds for the novice
Replies: 12
Views: 1497
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