Search found 6242 matches

by ruralavalon
Tue Jul 28, 2015 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Election
Replies: 6
Views: 308

Re: 401(k) Election

Thanks for the welcome! I'll make sure to consider changing up my allocation. I have been debating whether I want to keep my Roth in the target retirement fund anyway. I think I can definitely at least contribute $5500, since I know if I doubled my roth contributions each week I'd still be doing fi...
by ruralavalon
Mon Jul 27, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: All REIT roth?
Replies: 20
Views: 1535

Re: All REIT roth?

Hi Jay, Rick Ferri often recommend this portfolio and refers to it as The Core Four. Best. Yes, exactly. Ferri is where I got the idea. Really I'm more curious if anyone has objections to an ALL ROTH REIT. Because I can only contribute $5500 per year, in order to keep my REIT allocation to 5-10% of...
by ruralavalon
Mon Jul 27, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Election
Replies: 6
Views: 308

Re: 401(k) Election

Welcome to the forum :) . It's good to see that you are debt free, that's a great way to start. It's nice to see that you are starting young. I think that your desired asset allocation is fairly reasonable, but suggest that you consider 20% in bonds. How much (in dollars) do you expect that you will...
by ruralavalon
Fri Jul 24, 2015 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up new portfolio
Replies: 16
Views: 1031

Re: Setting up new portfolio

Welcome to the forum :) . Take $15k and pay off the student loans. Set aside your $150k for a house in safe investments like short term federally insured CDs. For the rest, go ahead and buy your 3 fund portfolio. We have held Vanguard Total International Stock Market Index Fund, and 3-4 other stock ...
by ruralavalon
Fri Jul 24, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Do you take taxes into account when deciding your AA?
Replies: 6
Views: 717

Re: Do you take taxes into account when deciding your AA?

For the first time this year I'm going to be investing a sizeable (sizeable compared to my current NW) windfall in a taxable account. I'll probably have to rebalance when that happens. When I do, should I consider the taxes I'd have to pay on the 401k I have when calculating my total AA? Im almost ...
by ruralavalon
Fri Jul 24, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Employer Acquisition - Choosing New 401k Options
Replies: 8
Views: 657

Re: Employer Acquisition - Choosing New 401k Options

I agree with retiredjg's suggestions. Use the traditional 401k, and invest in -- BNY Mellon S&P 500 Index Fund Metropolitan West Total Return Bond Fund In your Roth IRA use -- Vanguard Total International Stock Market Index Fund You are not behind, so there is no need to be extra aggressive to t...
by ruralavalon
Thu Jul 23, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: New investor hammering out details of plan
Replies: 7
Views: 771

Re: New investor hammering out details of plan

80% Stocks, 20% bonds 10% Bonds (Following Vanguard Retirement % for equities/fixed income) 20% International . . . . . Plan D S&P500 for domestic stock with higher bond allocation suggested by ruralavalon Avg ER:0.594% *401k: S&P500 56%, bonds 20% *IRA: international (VGTSX) 24%, S...
by ruralavalon
Thu Jul 23, 2015 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 2520

Re: Greatly appreciate advice for my personal finances.

After reading Boglehead book I decided to do with index funds. Most of the stock index funds were from Columbia and had expense ratio of less than 0.2. So I divided between large, mid and small cap funds from them. They did offer vanguard funds which I picked up (reit and international markets whic...
by ruralavalon
Thu Jul 23, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 876
Views: 156538

Re: What Book Are You Currently Reading? Part VI

Amsterdam: A History . . . . . , by Russell Shorto. His thesis is that the Dutch, and Amsterdam in particular is entitled to much of the credit for the development of Western ideas of individual liberty. He attributes the onset of that development to individual ownership of reclaimed land, the coop...
by ruralavalon
Wed Jul 22, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 1655

Re: What's better: Lower Fees or Higher Potential Growth?

On switching the bond fund, who knows what's best? Both are intermediate-term and good credit quality. A few hundredths of a percent difference in expense ratio is unlikely to be significant. The two stock funds are cover different markets. You bought international for diversification, don't give u...
by ruralavalon
Wed Jul 22, 2015 6:22 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 876
Views: 156538

Re: What Book Are You Currently Reading? Part VI

How to Lie With Statistics , by Darrell Huff. It's actually about how to detect misrepresentations in media reports. Be suspicious of any report: of averages which doesn't say if it's mean, median or mode; of percentages without a stated margin of error; of percentages without a stated sample size;...
by ruralavalon
Tue Jul 21, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 2520

Re: Greatly appreciate advice for my personal finances.

Welcome to the forum :) . Sorry to hear of the divorce. Rolling the IRA over into your 401k may be a good idea. Will your 401k accept a transfer of your IRA? What are the 3-4 lowest expense ratio funds offered in the 401k? You don't need a large selection of good funds in order to make it useful. El...
by ruralavalon
Tue Jul 21, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Am I missing anything?
Replies: 8
Views: 807

Re: Am I missing anything?

ERguy101 Welcome to the forum :) . It sounds like you want portfolio planning, not portfolio management. Ten years ago we hired a fee-only advisor for a one-time fixed fee to help us: set up our portfolio, choose an asset allocation, select funds, and decide fund placement. We found that very helpf...
by ruralavalon
Tue Jul 21, 2015 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: What's better: Lower Fees or Higher Potential Growth?
Replies: 20
Views: 1655

Re: What's better: Lower Fees or Higher Potential Growth?

On switching the bond fund, who knows what's best? Both are intermediate-term and good credit quality. A few hundredths of a percent difference in expense ratio is unlikely to be significant. The two stock funds are cover different markets. You bought international for diversification, don't give up...
by ruralavalon
Tue Jul 21, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: New investor hammering out details of plan
Replies: 7
Views: 771

Re: New investor hammering out details of plan

2. Following the AA with multiple accounts article using Plan A Use room in IRA for domestic small cap index Avg ER:0.598% *401k: S&P500 67%, S&P400 8% , bonds 10% *IRA: total international index stock index (VGTSX) 23%, small-cap index (NAESX) 5% +Lowest expense ratio -Follows fewe...
by ruralavalon
Tue Jul 21, 2015 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 756

Re: Help with 401K Selection Please

Forgot about a transaction fee, let me see. Just checked, vested immediately :) That's great news about the immediate vesting of the employer match. About how much (in dollars) do you think that you might be investing in total annually? About how much (in dollars) do you have to contribute to the 4...
by ruralavalon
Tue Jul 21, 2015 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Investing for 23 year old aggressive investor
Replies: 19
Views: 1575

Re: Investing for 23 year old aggressive investor

With $15k in bonds you should be OK without a bond fund for several years. What sort of bonds are those: treasury, corporate, muni? What is the remaining duration? I do think you should aim for at least 20% in bonds or bond funds. How much in dollars do you think you can contribute to all accounts ...
by ruralavalon
Tue Jul 21, 2015 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2878

Re: Left Ed Jones...what now?

I think that dratkinson may be right that your wife might be more comfortable with using Pyramis LifeCycle 2020 in her 401k, although using individual index funds would also work well. In my opinion you have made the best choice in your 401k, using the BlackRock Balanced Fund. I suggest selling the ...
by ruralavalon
Mon Jul 20, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2878

Re: Left Ed Jones...what now?

At age 45 and fairly conservative, consider around 20-25% of stocks in international stocks, or something like this for her 401k: 40% Fidelity Spartan Total Market Index Fund (FSKTX) ER 0.07% 15% BlackRock MSCI ACWI , ER 0.07% 45% BlackRock US Debt Index Non-Lending Class F, ER 0.08% Or 100% in one ...
by ruralavalon
Mon Jul 20, 2015 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for 23 year old aggressive investor
Replies: 19
Views: 1575

Re: Investing for 23 year old aggressive investor

With $15k in bonds you should be OK without a bond fund for several years. What sort of bonds are those: treasury, corporate, muni? What is the remaining duration? I do think you should aim for at least 20% in bonds or bond funds. How much in dollars do you think you can contribute to all accounts t...
by ruralavalon
Mon Jul 20, 2015 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review please
Replies: 3
Views: 552

Re: Portfolio Review please

Welcome to the forum :) . In my opinion your desired asset allocation of 70/30 stocks/bonds is within the range of what is reasonable. I suggest a minimum of 20% of stocks international stocks. Questions: 1. We have two fairly large positions in individual stocks (D,EMR) that my wife's father set up...
by ruralavalon
Mon Jul 20, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Appreciated!
Replies: 1
Views: 211

Re: Advice Appreciated!

Welcome to the forum :) Do you currently have any debt other than the home mortgage? What is your marginal tax rate, both federal and state? Can you please list your current accounts and investments? Please see the post "asking portfolio questions" for format and the details needed. Please...
by ruralavalon
Mon Jul 20, 2015 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 756

Re: Help with 401K Selection Please

Thanks guys, can you explain about the match thing. Will I loose it if I'm not there for the "vested" time frame? I'm just not sure what happens. If I invest it into a fund and it grows, will I have to give back the money that was contributed by the match exactly? Or how does that work? H...
by ruralavalon
Mon Jul 20, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 756

Re: Help with 401K Selection Please

okazaki wrote:Good news guys! I just found out I could do a self-directed brokerage account with Schwab! Cost is $95 per year. I think that's worth it, no?

Is there also a per transaction fee?
by ruralavalon
Mon Jul 20, 2015 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for 23 year old aggressive investor
Replies: 19
Views: 1575

Re: Investing for 23 year old aggressive investor

Welcome to the forum :) . Do you have any other investments? Why do you say that you consider yourself an aggressive investor? What is your marginal tax bracket? Do you have any debt? If so, types, amounts, and interest rates? . . . . . In the 401k use: Vanguard Institutional Index I (a S&P 500 ...
by ruralavalon
Mon Jul 20, 2015 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 756

Re: Help with 401K Selection Please

You should definitely contribute enough to the 401k to get the full match each year. That's always the first priority. Please do find out if the loads are waived. Funds that seem useable include: Oakmark International I (OAKIX) ER 0.95% PIMCO Total Return D (PTTDX) ER 0.75% There may be other useabl...
by ruralavalon
Sun Jul 19, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 876
Views: 156538

Re: What Book Are You Currently Reading? Part VI

Forgotten Tales of Michigan's Upper Peninsula, by Lisa A. Shiel. Odd stories about the U.P. in the late 19th and early 20th centuries about earthquakes, wildlife, miners, loggers, ships, railroading, crimes, crazy behavior, and folk tales, all based on newspaper articles of the time.
by ruralavalon
Sun Jul 19, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1337

Re: Two potential taxable account allocations

I personally like # 1 for broad diversification, low expense ratios, simplicity, easy management and tax-efficiency. But if you want complex, here is an alternative #4: 25%, S&P 500 Index Fund VFIAX 25%, Small-Cap Value Index Fund VSIAX 25%, International Value Fund VTRIX 25%, FTSE All-World Ex-...
by ruralavalon
Sun Jul 19, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Need Portfolio Help!
Replies: 7
Views: 624

Re: Need Portfolio Help!

Use VBTLX in your tax-sheltered Roth for the bond portion. Tax-exempt is best suited for taxable. I like all three for rebalancing with new funds. But isn't the Total Bond Market Index Fund not tax efficient in a Roth IRA? Investments, and the interest dividends or gains, in a Roth IRA are not taxe...
by ruralavalon
Sun Jul 19, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: ML 401k, BoA employee, roll to Vanguard??
Replies: 7
Views: 441

Re: ML 401k, BoA employee, roll to Vanguard??

Welcome to the forum :) . You cannot move the 401k to Vanguard, you must leave it where it is. You do not have to take ML's advice, you can make your own decision about what funds to use in the 401k. If you want ideas on what funds to use, then list the 2-3 lowest expense ratio funds in each categor...
by ruralavalon
Sat Jul 18, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 466
Views: 65824

Re: What are you up YTD? [Year To Date]

50/50 asset allocation, retired, age 69.

Up 2.74% YTD per Morningstar portfolio manager.

Best this year is Vanguard Total International Stock Index Fund.
by ruralavalon
Sat Jul 18, 2015 8:55 am
Forum: Investing - Help with Personal Investments
Topic: We are in our fifties and I am afraid it is too late
Replies: 13
Views: 3369

Re: Splurge now?

I would like to spend more money on renovations of new space. I have never done anything based on desire but only based on necessity. I feel guilty and worried that if I splurge, I will regret it in the future. Herb7949: Whenever we receive a windfall and have the money, we have a great temptation ...
by ruralavalon
Sat Jul 18, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: What to do with ~$100k?
Replies: 7
Views: 1354

Re: What to do with ~$100k?

Welcome to the forum :) . 1) Take your time deciding, there is no rush. 2) Beware of anyone trying to sell you any type of investment. 3) Read the wiki article on windfalls linked by niceguy7376 4) Read the wiki article on "Bogleheads Investment Philosophy". 5) Post more details as suggest...
by ruralavalon
Sat Jul 18, 2015 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Advising father in law on investing
Replies: 7
Views: 848

Re: Advising father in law on investing

retiredjg wrote:I think I'd vote for a LifeStrategy Fund or the Vanguard Tax Managed Balanced Fund if in the 25% or higher tax bracket and if the stock to bond ratio is acceptable.

I think that this would be a good idea.
by ruralavalon
Sat Jul 18, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Need Portfolio Help!
Replies: 7
Views: 624

Re: Need Portfolio Help!

Welcome to the forum :) . It's good to see that you are debt free. I see that you already understand the benefits of good diversification and low investing expenses. You have some excellent funds in your 401k, you are fortunate. In my opinion your desired asset allocation is within the range of what...
by ruralavalon
Fri Jul 17, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 876
Views: 156538

Re: What Book Are You Currently Reading? Part VI

Bear Creek , by Larry Bruege. A fun novel. A lumber company's Camp Number 13 by 1923 has become the village of Bear Creek, or Bare Creek, inhabited by miscellaneous misfits. The tale includes searching for lost hunters visiting from Chicago, a beaver dam, a new minister, an apparition that appears ...
by ruralavalon
Fri Jul 17, 2015 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help - mostly for 401k funds
Replies: 4
Views: 407

Re: Portfolio Help - mostly for 401k funds

In her 401k, the most useable funds seem to be: PIMCO Total Return Institutional (PTTRX); and Harbor International Institutional (HAINX). It seems that there must be more funds offered, including some large cap domestic stock funds. The plan is required to furnish information on expenses, so keep lo...
by ruralavalon
Fri Jul 17, 2015 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating VTSMX and general allocation questions in 401k
Replies: 12
Views: 644

Re: Approximating VTSMX and general allocation questions in 401k

As rkhusky suggested, in your 401k a BlackRock LifePath Index Fund is a simple, broadly diversified, low expense ratio, one fund solution you could use. On the other hand if you want to use individual funds, as AviN noted in your 401k BlackRock Equity Index Fund ER 0.03% (an S&P 500 Index Fund) ...
by ruralavalon
Thu Jul 16, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Financial Review - 29 & 28 Year Old Married Couple
Replies: 14
Views: 1826

Re: Financial Review - 29 & 28 Year Old Married Couple

. . . . . We have been waiting to get our emergency fund up to $20k before increasing or starting any new retirement contributions. I would love to have a $35k or $50k emergency fund. That would be so awesome! The question is do we keep piling cash and forego any increased retirement contributions ...
by ruralavalon
Thu Jul 16, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Help getting full international exposure via TIAA and Vanguard funds
Replies: 5
Views: 400

Re: Help getting full international exposure via TIAA and Vanguard funds

Thanks I also checked out that ETF yesterday but it would cost me commission through vanguard to buy/sell that Canadian ETF. Probably not worth it for something that would be ~1% of my total portfolio. I toyed around with instant X-ray and found a 65/21/14 Developed/Emerging/VSS to be closest in te...
by ruralavalon
Wed Jul 15, 2015 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Distributing asset allocation across roth and 401k
Replies: 3
Views: 305

Re: Distributing asset allocation across roth and 401k

Don't settle for a sub-par international fund with a high ER in the 401ks, instead buy Vanguard Total International Stock Market Index Fund in an IRA or a regular taxable account.
by ruralavalon
Wed Jul 15, 2015 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help getting full international exposure via TIAA and Vanguard funds
Replies: 5
Views: 400

Re: Help getting full international exposure via TIAA and Vanguard funds

Neither fund includes small company stocks. Somewhere around 10% of international stocks in VSS should be about right. You can use Morningstar's "instant X-Ray" to figure this out. It will turn out to be a fairly small slice of your total portfolio, so may or may not be worth it. Thank yo...
by ruralavalon
Wed Jul 15, 2015 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help getting full international exposure via TIAA and Vanguard funds
Replies: 5
Views: 400

Re: Help getting full international exposure via TIAA and Vanguard funds

Neither fund includes small company stocks.

Somewhere around 10% of international stocks in VSS should be about right. You can use Morningstar's "instant X-Ray" to figure this out.

It will turn out to be a fairly small slice of your total portfolio, so may or may not be worth it.
by ruralavalon
Wed Jul 15, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Financial Review - 29 & 28 Year Old Married Couple
Replies: 14
Views: 1826

Re: Financial Review - 29 & 28 Year Old Married Couple

Congratulations on getting your debts paid off. That's a great way to begin your investing. You look like you are doing very well. You could move the traditional and Roth IRAs to Vanguard for convenience and easier management. Also transfer the old 401k into the traditional IRA for the same reason. ...
by ruralavalon
Wed Jul 15, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Investing at this time in the market
Replies: 12
Views: 1518

Re: Investing at this time in the market

Welcome to the forum :) . I am always saying that an investing question with the word "time" in it is probably the wrong question. The right question is probably "what is a good asset allocation for us?" 50/50 Stock Bond ,Invest now regardless of where the market is :happy + 1. W...
by ruralavalon
Tue Jul 14, 2015 7:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 876
Views: 156538

Re: What Book Are You Currently Reading? Part VI

Murder in the Keweenaw , by Harley Sachs. While fishing in Lake Superior, a CIA agent on sick leave snags and hauls in a woman's body, calls the Coast Guard and turns over his catch, but can't help trying to figure out "who done it" and why. Not a classic murder mystery, but still interes...
by ruralavalon
Tue Jul 14, 2015 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Company 401k with High(ish) Annual Expenses
Replies: 4
Views: 331

Re: Company 401k with High(ish) Annual Expenses

Welcome to the forum :) . What are the bond fund options? Contribute at least enough to the 401k to get the full employer match each year. If you expect to be with this employer only a few years, then contribute as much as you can up to the employee maximum of $18k annually and do a rollover IRA to ...
by ruralavalon
Tue Jul 14, 2015 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k choices and I have no clue. UPDATED
Replies: 27
Views: 1722

Re: Fidelity 401k choices and I have no clue. UPDATED

Example his portfolio. The asset allocation is 70/30 stocks/bonds, with about 35% of stocks in international stocks. Total his portfolio = $20k. Do you have a desired asset allocation that you want to aim for? His 401k ($15k; 75% of his portfolio) 45%, $9k, Fidelity Spartan 500 Index Institutional ...
by ruralavalon
Tue Jul 14, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k choices and I have no clue. UPDATED
Replies: 27
Views: 1722

Re: Fidelity 401k choices and I have no clue. UPDATED

Would it be best to do a 3 fund portfoilio for my wife using her 401k and the vanguard Roth to even everything out and also do a 3 fund for me using my fidelity funds and the roth? I don't anticipate every being seperated but am i looking at this the wrong way. What is the advantage/dis-advantage o...
by ruralavalon
Tue Jul 14, 2015 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Seeking help with 401k and Roth Portfolio Allocations
Replies: 10
Views: 729

Re: Seeking help with 401k and Roth Portfolio Allocations

Since you want a "slightly more risky" portfolio, I think at age 32 you could go 80/20 stocks/bonds. . . . . . What index is used in the U.S.. Large Company Index Fund ER 0.026%? What index is used in the International Company Index Fund ER 0.091%? In your 401k materials is there a "f...

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