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Re: Working on my near-retirement portfolio

I think that’s everything. Now for questions: . . . . . Regarding my at-retirement asset allocation: considering that my pension will cover most if not all of my expenses for the first few years (non-COLA pension) and that I have a long horizon, would it be reasonable for me keep 65/35 instead of 6...
by ruralavalon
Fri Dec 19, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Working on my near-retirement portfolio
Replies: 5
Views: 436

Re: allocation strategy across roth IRA, trad 401k, and taxa

What contributions are you making to each account? It's hard to know exactly which strategy will work out best, absent a crystal ball or time machine. But your fund placement logic looks reasonable my opinion. Low expenses, good diversification, reasonable asset allocation, and staying the course ar...
by ruralavalon
Fri Dec 19, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: allocation strategy across roth IRA, trad 401k, and taxable
Replies: 5
Views: 400

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

ruralavalon, I agree with what you're saying. When I start bond allocation, Vanguard Total Bond Market ETF (BND) does make a good starting point. . . . . . If you were 30, would you hold 10% in bonds right now or wait to start bond allocation somewhere between 35-40? I would not wait to add a bond ...
by ruralavalon
Fri Dec 19, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 26
Views: 2271

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

It was hard to see the importance of how you invest $37k, with $200k just sitting there in cash and a total of $618k in the various accounts. Putting the 401k and Roth IRA in order is good, but perhaps not the best way for you to educate yourself. You probably already understand the importance of us...
by ruralavalon
Fri Dec 19, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 26
Views: 2271

Re: What Book Are You Currently Reading? Part VI

Of Plymouth Plantation,by William Bradford. The foundation and early history of Plymouth Colony, by one of its first governors. They arrived in November. They made a treaty with a local tribe, which included a military alliance. Half of the colonists died the first winter.
by ruralavalon
Thu Dec 18, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 250
Views: 29748

Re: campaign for better 403B

Fidelity now offers Freedom Index Funds. They are similar to the Freedom Funds but they have lower expense ratios and are comprised of just a 3 or 4 index funds. The easiest thing might be to ask that they add the Freedom Index Funds 2015-2060 to the line up. If they ask me what I want I will reque...
by ruralavalon
Thu Dec 18, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: campaign for better 403B
Replies: 17
Views: 933

Re: First Time Investing Help

Welcome to the forum :) . Congratulations on completing your degrees and getting your first decent paying job. It sounds to me like you recognize the issue and will be able to get your debt paid off and your spending under control. Contribute just enough to the 401k to get the full match each year. ...
by ruralavalon
Thu Dec 18, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Investing Help
Replies: 6
Views: 668

Re: Please help another new young investor.

Welcome to the forum :) . It's great to see that you have no debt, and plan to invest your windfall. It's always good to see someone starting young. In my opinion your desired asset allocation is within the range of what is reasonable. Take $11k of that $70k and invest $5.5k in a Roth IRA at Vanguar...
by ruralavalon
Thu Dec 18, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help another new young investor.
Replies: 12
Views: 1196

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

I’m 30 years old and am a small business owner . . . Emergency funds: 4 years of expenses in savings account. I'm a SBO and might want to put 20% down on $1-1.2M house potentially in the next 2-3 years. . . . . . . . . money I manage myself: Simple savings account: 200K . . . . . ruralavalon, I agr...
by ruralavalon
Thu Dec 18, 2014 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 26
Views: 2271

Re: Advice on Asset Allocation / What do I do to fix this?

The first decision to make is your desired asset allocation, your 70/30 stock/bond allocation idea is reasonable in my opinion as is 80/20 also. For ideas about asset allocation please see: wiki on risk ; and " % Stocks vs Age" . At age 30, an asset allocation of around 80/20 would be fair...
by ruralavalon
Thu Dec 18, 2014 6:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Asset Allocation / What do I do to fix this?
Replies: 22
Views: 1819

Re: Starting out

About how much money do you expect you might want to have in the house account in five years?
by ruralavalon
Wed Dec 17, 2014 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting out
Replies: 24
Views: 2811

Re: What is your opinion about "tilting?"

I feel tilting is a hidden form of market timing. There likely is some evidence for small and maybe REITs. Nobody here likes to admit they market time but you have to believe that some how you can predict what to tilt to and when to tilt to some other direction. Most of the advice from the serial t...
by ruralavalon
Wed Dec 17, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8140

Re: new 401k enrollment - choices..which is least worst? REV

Welcome to the forum :) Is there an employer match in your 401k? If so how much is the full match, and how much do you have to contribute to get the full match each year? What is your marginal tax rate, both federal and state? Do you have any debt, if so types, amounts and interest rates? Where is e...
by ruralavalon
Wed Dec 17, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k enrollment - which funds least worst? NEW INFO
Replies: 6
Views: 558

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

ruralavalon, I'll read "winning with small value stocks" blog post tonight. Thanks! As far VXUS, note taken that you're saying I believe that it's more diversified I'm assuming because it's market weighted compared to me overweighting international small cap and emerging markets. Good poi...
by ruralavalon
Wed Dec 17, 2014 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 26
Views: 2271

Re: Starting out

How much (in dollars) is in the two 401k's you are rolling over to a Vanguard IRA? How much (in dollars) do you think you will be able to contribute to saving and investing in the foreseeable future, once you start your new job next year? Will there be an employer match in the new 401k ? If so how m...
by ruralavalon
Tue Dec 16, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting out
Replies: 24
Views: 2811

Re: Came into money, would like some opinions

10-20% on something fun.
10-20% to a favorite charity.
60-80% to tax-efficient funds in a taxable account, and rebalance elsewhere to keep your overall long-term asset allocation.

A 30 year fixed rate mortgage at 3% is great inflation insurance.
by ruralavalon
Tue Dec 16, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Came into money, would like some opinions
Replies: 4
Views: 901

Re: 34 year old new to investing - help please

Short-term performance means almost nothing. Stay the course.
by ruralavalon
Tue Dec 16, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 69
Views: 8910

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

Welcome to the forum :) . Think about Small Cap Value VBR, instead of Small Cap VB, for the potential for better gain long-term. Google "winning with small value stocks" for a blog article by R. Ferri. Also consider Total International VXUS, for a simpler better diversified portfolio. Add ...
by ruralavalon
Tue Dec 16, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 26
Views: 2271

Re: 401K- Clueless

Welcome to the forum :) . You are not off to a bad start, you are just 30 and have plenty of time. More information is needed to answer your questions. How much money do you currently have in the 401k? How much (dollars) is the full employer match? How much (dollars) do you have to contribute to get...
by ruralavalon
Tue Dec 16, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K- Clueless
Replies: 8
Views: 1012

Re: Advice on Asset Allocation / What do I do to fix this?

Please see wiki articles: "Traditional vs Roth" ; and "Backdoor Roth IRA" . Do you expect to be in a higher tax bracket during most of the rest of your working life? Do you expect you will be unable to make direct Roth IRA contributions? Do you expect to be in a higher tax bracke...
by ruralavalon
Tue Dec 16, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Asset Allocation / What do I do to fix this?
Replies: 22
Views: 1819

Re: Should I transfer my 401k balance to my new employer?

What are the fund choices (fund names, tickers & expense ratios) offered in the old 401k? Same for the new 401k? 1) if the fund choices in the old 402k are good and low ER, then it may be best to leave it there. 2) If the new 401k will accept a transfer, and has better lower ER funds, then it ma...
by ruralavalon
Mon Dec 15, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I transfer my 401k balance to my new employer?
Replies: 4
Views: 332

Re: New Investor

I have a 401K with my employer with only 50k so far. I'm 3o years old and im not sure if i should be investing aggressive in my Roth like i do for my 401k. You could adopt an investing plan that covers both accounts. What is the stock/bond mix in your 401k now? Take a look at the two links that Lau...
by ruralavalon
Mon Dec 15, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor
Replies: 8
Views: 795

Re: 34 year old new to investing - help please

Don't focus too much on individual funds or a single account, look more at the portfolio as a whole.

What is the performance the whole?
by ruralavalon
Mon Dec 15, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 year old new to investing - help please
Replies: 69
Views: 8910

Re: Advice on Asset Allocation / What do I do to fix this?

sunnysider, have you fully funded your Roth IRA for 2014?
by ruralavalon
Sun Dec 14, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Asset Allocation / What do I do to fix this?
Replies: 22
Views: 1819

Re: Roth versus Traditional Debate

This should only be made complicated for purposes of entertainment. Otherwise, there are really just two things to keep in mind: 1) What matters is not how much tax is paid when but how much money you have after tax. 2) Suppose your *marginal* tax rate when contributing is 25%. You have a choice be...
by ruralavalon
Sun Dec 14, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Roth versus Traditional Debate
Replies: 48
Views: 3301

Re: Advice on Asset Allocation / What do I do to fix this?

Set all investments in the Fidelity taxable brokerage account to NOT automatically reinvest the distributions. There have already been distributions this month, so DO THIS TODAY in order to avoid investing into things that you do not want to own. . . . . . I would plan for a future back-door Roth I...
by ruralavalon
Sun Dec 14, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Asset Allocation / What do I do to fix this?
Replies: 22
Views: 1819

Re: Advice on Asset Allocation / What do I do to fix this?

How do I figure out the "dollar amount of capital gains or losses, both short-term and long-term, in each of the holdings in the Fidelity brokerage account?" I'm not sure how Fidelity reports that, try looking at your latest account statement or on-line at Fidelity. Are you eligible to en...
by ruralavalon
Sun Dec 14, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Asset Allocation / What do I do to fix this?
Replies: 22
Views: 1819

Re: Advice on Asset Allocation / What do I do to fix this?

Welcome to the forum :) . Some more information is needed in order to give you specific ideas on what to do. I think that you can greatly simplify your portfolio, and be better diversified at lower cost. Diversification is not measured by how many different funds you own, it's determined by what the...
by ruralavalon
Sun Dec 14, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Asset Allocation / What do I do to fix this?
Replies: 22
Views: 1819

Re: International Vanguard Index Funds which ones?

Why don't you look at Vanguard Total International Stock Market Index Fund, VTIAX? It covers both large and small companies, both value and growth, in both developed and emerging markets.
by ruralavalon
Sun Dec 14, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Vanguard Index Funds which ones?
Replies: 7
Views: 1158

Re: Starting out at 35 with index funds and misc

Welcome to the forum :) . Glad you survived that pretty lengthy period of severe underemployment when he was on part time contract without adding to debt. More information is needed in order to give you any concrete ideas to use. Please amend your original post using the "edit" button to s...
by ruralavalon
Sun Dec 14, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting out at 35 with index funds and misc
Replies: 17
Views: 1690

Re: S&P 500 and Barclays Capital U.S. Aggregate Bond Fund‬

Welcome to the forum :) . I often see articles and videos mentioning a 60/40 split between the S&P 500 and Barclays Capital U.S. Aggregate Bond Fund. I also know these are two vital Benchmarks here in the U.S. that people follow. So I am wondering if someone were looking to just do a simple 60/4...
by ruralavalon
Sun Dec 14, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 and Barclays Capital U.S. Aggregate Bond Fund‬
Replies: 7
Views: 710

Re: Is this a reasonable asset allocation?

Some other Info: I'm still pretty young so I have a 30+ year time horizon until retirement. I plan on a buy-and-hold strategy and generally don't even pay attention to performance, which makes it easy to ride out ups and downs without panicking. I basically only check my accounts once a year to reb...
by ruralavalon
Sun Dec 14, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this a reasonable asset allocation?
Replies: 14
Views: 1115

Re: New Investor

Welcome to the forum :) .

Do you have a work-based plan, like a 401k or 403b?

Use low expense index funds.

How much is in your Roth IRA?

Take a look at this: "Three-fund portfolio"
by ruralavalon
Sun Dec 14, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor
Replies: 8
Views: 795

Re: You folks think [a market crash] is coming?

I predict a black swan.

Someday.
by ruralavalon
Sun Dec 14, 2014 12:03 am
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5668

Re: What is your opinion about "tilting?"

From the results so far it seems that most responders tilt, think there may be only a small benefit, and use Vanguard funds to tilt. In my opinion many other things are more important, such as: savings rate, low expenses, broad diversification, stock/bond allocation, domestic/international allocatio...
by ruralavalon
Sat Dec 13, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8140

Re: Don't Peek [at Your Portfolio Balance]

I peek almost daily, but don't do anything other than withdraw money monthly for retirement living expenses.
by ruralavalon
Sat Dec 13, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3873

Re: You folks think the big one is coming?

EyeYield wrote:Image

Love this :D .
by ruralavalon
Sat Dec 13, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5668

Re: Request 401K Assistance - Plan Offers 0% Exp. Ratio Opti

Chavir said these are actively managed funds, not index funds.
by ruralavalon
Fri Dec 12, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request 401K Assistance - Plan Offers 0% Exp. Ratio Options
Replies: 21
Views: 1505

Re: windfall incoming.clarify the 101 plz (noob bashing wooo

I just want to reiterate the "Keep your mouth shut and tell no one" advice. All kinds of people will come out of the woodwork asking you for money, with investment ideas, etc if you do. +1. I'll add-- Beware of anyone (friend, neighbor, co-worker, family, banker, broker) trying to sell yo...
by ruralavalon
Fri Dec 12, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: windfall incoming.clarify the 101 plz (noob bashing wooo!)
Replies: 70
Views: 9773

Re: Help With Windfall

Pay off the student loans, the rest into a taxable account at Vanguard invested in tax-efficient stock index funds or tax-managed funds.

Reading resources --

Wiki article "tax-efficient fund placement"
Blog "white coat investor"
by ruralavalon
Fri Dec 12, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Windfall
Replies: 8
Views: 1649

Re: Starting out

Welcome to the forum :) . . Age: 28 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 20% of stocks (Any recommendations on this would be great) In my opinion your desired asset allocation is within the range of what is reasonable. Do roll the old 401ks over into a t...
by ruralavalon
Fri Dec 12, 2014 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting out
Replies: 24
Views: 2811

Re: Suggestions for the Wiki

LadyGeek wrote:Your suggestions have been incorporated, along with a few more changes. How's it look? Prioritizing investments

I think that covers it well, thanks.
by ruralavalon
Thu Dec 11, 2014 6:22 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 285
Views: 115163

Re: new 401k plan help

thank you, but I am going to try out only bonds for now. as long as the next market down turn isn't 40 years from now, the next down turn will happen well before I am retiring and I can reconsider my allocation after the down turn if I don't think I can handle it. A redo after the downturn means th...
by ruralavalon
Thu Dec 11, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1638

Re: Request 401K Assistance - Plan Offers 0% Exp. Ratio Opti

fposte wrote:
gwrvmd wrote:I would NEVER invest in anything that did not have a stock symbol.


That would mean government TSP plans are out, TIAA Traditional is out, etc.

Also leaves out Treasury bonds and CDs?
by ruralavalon
Thu Dec 11, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request 401K Assistance - Plan Offers 0% Exp. Ratio Options
Replies: 21
Views: 1505

Re: new 401k plan help

Buy a 20% bond allocation. At age 22 you can't possibly know what your risk tolerance is, and are likely overestimating your ability to hold on in a market crash. A reasonable bond allocation is more important than any other asset allocation decision, or any fund selection decision you make. The inv...
by ruralavalon
Thu Dec 11, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k plan help
Replies: 23
Views: 1638

Re: Request 401K Assistance - Plan Offers 0% Exp. Ratio Opti

The PIMCO alternative (PTTRX) has a much higher 227% turnover rate, an effective duration a little longer at 4.97 years, and the average credit rating is not given on Morningstar. PIMCO looks less diversified , it holds just 3.67% Treasurys, 23.28 other government, just 3.98% corporate, 6.95% secur...
by ruralavalon
Thu Dec 11, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request 401K Assistance - Plan Offers 0% Exp. Ratio Options
Replies: 21
Views: 1505

Re: Request 401K Assistance - Plan Offers 0% Exp. Ratio Opti

Hi Ruralavalon, here are the answers to your questions: All three of these funds appear to be actively managed. American Trust Intermediate Bond Effective Duration : 3.91 Average Credit Quality : AA- Average Maturity : 4.38 Benchmark: Barclays US Govt/Credit Interim TR USD Turnover %: 65.85 Invests...
by ruralavalon
Thu Dec 11, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Request 401K Assistance - Plan Offers 0% Exp. Ratio Options
Replies: 21
Views: 1505

Re: A New 401k

Your suggestions are identical as to the general asset classes, which I think is assuring. Let me know if there's an easier way to do this or if something doesn't look right. The other question I had was basically if you have any additional suggestions, as to improving this approach to keep the all...
by ruralavalon
Thu Dec 11, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: A New 401k
Replies: 40
Views: 4567

Re: Request 401K Assistance - Plan Offers 0% Exp. Ratio Opti

Welcome to the forum :) . I will guess that these are Comingled Investment Trusts (CITs), they are not mutual funds, don't have loads, and are probably a good thing to buy. Their main disadvantage is the are not publicly traded, likely don't give you reports more than once a quarter, are not registe...
by ruralavalon
Wed Dec 10, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request 401K Assistance - Plan Offers 0% Exp. Ratio Options
Replies: 21
Views: 1505
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