Search found 6424 matches

by ruralavalon
Wed Sep 02, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund to invest in
Replies: 9
Views: 839

Re: Which fund to invest in

Expense ratios of 0.77% are high, don't use either T. Rowe Price Target Retirement 2055 Fund or T. Rowe Price Health Sciences Fund if better low expense ratio funds are offered. There are better low expense ratio funds offered, they are: T. Rowe Price Equity Index 500 Fund (PREIX) @ 0.28%; T. Rowe P...
by ruralavalon
Wed Sep 02, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Will my portfolio work? (sanity check)
Replies: 18
Views: 1172

Re: Will my portfolio work? (sanity check)

I should have been more clear. What I meant was, having REITs, small, value, and emerging beyond their market cap weight, since they are arguably "underrepresented" in the broad market index given their expected risk, return, and correlation properties.I should have been more clear. What ...
by ruralavalon
Wed Sep 02, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Married Couple In Need of Help with Asset Allocation & Other Advice For Multiple Accounts
Replies: 7
Views: 585

Re: Married Couple In Need of Help with Asset Allocation & Other Advice For Multiple Accounts

This site is wonderful! Again, I really appreciate everyone's help. I got scared away from my 403B based on some of the horror stories with VALIC and annuities. I have a couple of more questions that I am trying to make sense of. 1. My VALIC (5K) is a Roth 403B plan. Being Roth, is it still conside...
by ruralavalon
Wed Sep 02, 2015 10:12 am
Forum: Investing - Help with Personal Investments
Topic: 50:50 Life Strategy Mod Growth and Balanced Index?
Replies: 9
Views: 569

Re: 50:50 Life Strategy Mod Growth and Balanced Index?

That seems very reasonable to me. It gives your desired 60/40 asset allocation, and dilutes the international exposure of the LifeStrategy fund yet keeps international at a reasonable level.
by ruralavalon
Tue Sep 01, 2015 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Married Couple In Need of Help with Asset Allocation & Other Advice For Multiple Accounts
Replies: 7
Views: 585

Re: Married Couple In Need of Help with Asset Allocation & Other Advice For Multiple Accounts

Welcome to the forum :) . I agree that you should contribute as much as practical to your 403bs in addition to your maxing IRAs. Start with the best fund in the 403bs, and build the portfolio around that. Your option 2 is clearly better. Here are some improvements that I suggest. I suggest small cap...
by ruralavalon
Tue Sep 01, 2015 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Opening IRA for my wife (SAHM)
Replies: 6
Views: 408

Re: Opening IRA for my wife (SAHM)

Yes, that can be done as long as you have the cash flow from your employment.
by ruralavalon
Tue Sep 01, 2015 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: employer 401k--expensive?
Replies: 12
Views: 721

Re: employer 401k--expensive?

My wife's employer offers a 401k or Roth 401k. At your tax rate ("33% federal, 3.07% state, 1% local") I think that making traditional contributions to her 401k will probably be better than Roth contributions. Because she may only be there "maybe another 5-10 years" I think that...
by ruralavalon
Tue Sep 01, 2015 4:22 pm
Forum: Investing - Theory, News & General
Topic: Can you get better returns by overweighting low-PE assets?
Replies: 44
Views: 1705

Re: Can you get better returns by overweighting low-PE assets?

Finding some very contradictory information on this community. Some people are saying you should hold small, value, emerging, etc. for higher returns others say you should hold cap weight because cap weight is efficient. Which side is right? Nobody knows for sure. Holding three total market index f...
by ruralavalon
Tue Sep 01, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Will my portfolio work? (sanity check)
Replies: 18
Views: 1172

Re: Will my portfolio work? (sanity check)

Somehow this allocation feels to simple is it really okay to not have REITs, small caps, emerging markets or bonds? Am I missing out on higher returns or diversification? You are missing out on diversification, I suggest 20% bonds at age 27. In my opinion the primary reason to.include bonds is to r...
by ruralavalon
Tue Sep 01, 2015 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Which fund to invest in
Replies: 9
Views: 839

Re: Which fund to invest in

I plan to invest either of those funds on my 401k. They both have the same ER (.77%) but the health care fund has a much higher rate rate (16% vs 4.8%). What low expense ratio funds are offered in your 401k? Expense ratios of 0.77% are high, don't use either of those funds if better low expense rat...
by ruralavalon
Tue Sep 01, 2015 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Voya retirement 401k help
Replies: 5
Views: 382

Re: Voya retirement 401k help

I would put 100% in Vanguard Balanced Index Fund since it is 60/40 stocks/bonds. Either that or, to get your desired 75/25 asset allocation, use: 60%, Vanguard Balanced Index Fund 0.08% 40%, BlackRock Russell 3000 Index Fund 0.28% I agree that the expense ratios on the target retirement funds are t...
by ruralavalon
Sun Aug 30, 2015 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund Pool Vs VIIIX
Replies: 30
Views: 2382

Re: Fidelity Contrafund Pool Vs VIIIX

I still suggest using the Vanguard S&P 500 Index Trust ER 0.0113% for your domestic stocks your work-based plan. Past performance does not reliably predict future performance; but low expense ratios do dependably predict future performance. I suggest NOT using either the large cap or small cap &...
by ruralavalon
Sun Aug 30, 2015 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Investing Priorities
Replies: 16
Views: 1785

Re: Investing Priorities

The 457 options are handled by TSA Consulting Group. It looks like there are some Mutual Fund Custodial options under the Security Benefit Group products, there is an NEA Directinvest option. Under that option, there appear to be some options, (click on "Daily Performance") such as: -Amer...
by ruralavalon
Sat Aug 29, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401k advice please
Replies: 6
Views: 412

Re: 401k advice please

msprotege wrote:Curious is that a small value dfa fund or just a small cap fund? I personally tilt slightly to small cap value, but I wasn't going to recommend that to her because I thought it was just a small cap blend fund.

You are correct, DFA U.S. Small Cap DFSTX is a small cap blend fund.
by ruralavalon
Sat Aug 29, 2015 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 55
Views: 6876

Re: my retired mother's predicament

ashleyk23 wrote: Does it still count if that 50K can only be used for injury related meds and medical services related to her disability?

Why is use of that $50k restricted to medical?
by ruralavalon
Sat Aug 29, 2015 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Investing Priorities
Replies: 16
Views: 1785

Re: Investing Priorities

Questions: 1. With the current balances in my 401k and our Roth IRAs, and with plans to continue maxing them out, should we be contributing to my wife’s 403b as well, or would those funds be better directed towards something else, such as saving for college for our two children, putting money in a ...
by ruralavalon
Sat Aug 29, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: 401k advice please
Replies: 6
Views: 412

Re: 401k advice please

2. Option 2 would just be to keep it really simple and do the target retirement fund in both the 401k and Roth IRA but .64 ER seems expensive to me I would not suggest using the expensive target date fund in the 401k. There are too many low expense index funds offered, which are better. is the DFA ...
by ruralavalon
Sat Aug 29, 2015 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund Pool Vs VIIIX
Replies: 30
Views: 2382

Re: Fidelity Contrafund Pool Vs VIIIX

I still suggest using the Vanguard S&P 500 Index Trust ER 0.0113% for your domestic stocks your work-based plan. Past performance does not reliably predict future performance; but low expense ratios do dependably predict future performance. I suggest NOT using either the large cap or small cap &...
by ruralavalon
Sat Aug 29, 2015 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Next Steps of Investing
Replies: 7
Views: 684

Re: Thoughts on Next Steps of Investing...

Age: I am 36, spouse is 33 and 2 kids (4 and 2.5 years old) . . . . . 3. Risk tolerance - That is a great question, I guess the wife and I have not talked about that too much. We have 30 years left until retirement, so I guess I have been comfortable with the 80/20 that I have been seeing around. I...
by ruralavalon
Fri Aug 28, 2015 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Next Steps of Investing
Replies: 7
Views: 684

Re: Thoughts on Next Steps of Investing...

March 2014 my wife and I had an financial awaking, sick and tired of paying students loans and have money struggles. I am a teacher and she is a physicians assistant and didn't understand why we were struggling with money. We read the Total Money Makeover, The Millionaire Next Door and Your Life or...
by ruralavalon
Fri Aug 28, 2015 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: employer 401k--expensive?
Replies: 12
Views: 721

Re: employer 401k--expensive?

My wife's employer offers a 401k or Roth 401k. Her company's match is 25% of the first 4% of compensation. There is a management fee of 0.55% of AUM. The fees were greater than the employer match this year. Their investment options' expense ratios range from 0.88-1.40. I don't have a point of compa...
by ruralavalon
Fri Aug 28, 2015 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Managed Accounts
Replies: 12
Views: 484

Re: Managed Accounts

Welcome to the forum :) . I am about to retire and my 401k is with Fidelity. I am going to roll my retirement lump sum into Fidelity also. Should I trust part of my portfolio in a managed account with their strategic funds? In my opinion, no. Instead of paying that large fee, just use Fidelity's ver...
by ruralavalon
Fri Aug 28, 2015 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: stock index fund in taxable vs. Roth account?
Replies: 11
Views: 615

Re: stock index fund in taxable vs. Roth account?

I know that it's advisable to hold stocks/stock funds in taxable before tax-sheltered accts, e.g.IRA, to take advantage of lower cap gains rates. But what about taxable vs Roth acct? I am planning to buy additional shares of a World ex-US index fund, VXUS, and could do it using cash in either a tax...
by ruralavalon
Fri Aug 28, 2015 3:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle: How to handle the market's wild ride
Replies: 16
Views: 1718

Re: How to handle the market's wilde ride?

emontiel wrote:How are other bogleheads dealing with the current volatility in the market?

So far I have done nothing at all.
by ruralavalon
Wed Aug 26, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 962
Views: 191004

Re: What Book Are You Currently Reading? Part VI

cfs wrote:Slowly reading

COLUMBUS, The Four Voyages, by Laurence Bergreen (2011), 423 pp.

If interested in more about Columbus, try Admiral of the Ocean Sea, by Samuel Eliot Morrison.
by ruralavalon
Wed Aug 26, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 962
Views: 191004

Re: What Book Are You Currently Reading? Part VI

Daniel Boone's own story . A very short book,I assume ghostwritten, convers his life through 1784 and the expedition under General Clarke against the Shawnee at old Chillicothe. The Advetures of Daniel Boone , by Francis Lister Hawks. Written in 1890 covers his entire life in greater detail though ...
by ruralavalon
Tue Aug 25, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Transamerica 403b
Replies: 5
Views: 369

Re: Transamerica 403b

Welcome to the forum :) . Thank you, for your input. Also I'm sorry, but I left one out. I also have and option for... Metlife Fixed Interest Separate Account (Average Annual Returns 3.00%). Should I allocate anything toward the fixed rate? That's good a rate, so use that stable value fund for perha...
by ruralavalon
Tue Aug 25, 2015 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Should I feel guilty?
Replies: 10
Views: 1414

Re: Should I feel guilty?

No, you have nothing to feel guilty about.

It's your money to do with as you please.

Over the years you have paid them what you agreed to pay them, probably more than was fair and reasonable.
by ruralavalon
Tue Aug 25, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count cash towards your portfolio asset allocation?
Replies: 34
Views: 2047

Re: Do you count cash towards your portfolio asset allocation?

I am 70 years old and retired. I do not count the checking account (a few months worth of expenses) as part of the investing portfolio. We have no savings account. Any cash (such as from dividends or interest paid) in our taxable or IRA accounts is considered part of the "bond" allocation....
by ruralavalon
Tue Aug 25, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 55
Views: 6876

Re: my retired mother's predicament

Thank you so much for everyone's input! Unfortunately my mother's been disabled for the past 8 years. The settlement was recently finalized a couple months ago. She was given 50K for her health needs related to the injury (it's safe in a MMA), and 30K which we had used to invest in equities.. Sorry...
by ruralavalon
Tue Aug 25, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 542
Views: 77672

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

50/50 asset allocation, retired, age 70.

Down 3.40% YTD per Morningstar portfolio manager.

Best this year is Vanguard Intermediate-Term investment-Grade Bond Fund.
by ruralavalon
Mon Aug 24, 2015 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: All I can afford is to max my roth: an investment plan
Replies: 25
Views: 1871

Re: All I can afford is to max my roth: an investment plan

The discussion isn't paying the friend back vs filling roths It's filling roths vs paying mortgage faster, and also is filling roths enough to be okay for retirement down the line, or do I have to do better There is no way I wouldn't pay him back. That's just not happening. I have integrity. I stil...
by ruralavalon
Mon Aug 24, 2015 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1518

Re: New Boglehead seeking advice!

I suggest that the rest of the $200k be transferred to a taxable account at Vanguard. I think I would at least keep the money in my bank accounts out from investing for the time being. I think that's wise to keep the bank account cash for now. You don't have that job yet, you need to have cash for ...
by ruralavalon
Mon Aug 24, 2015 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review (Just Getting Started)
Replies: 6
Views: 566

Re: Portfolio Review (Just Getting Started)

Funds available in his Health Savings Account : Recently rolled into company HSA provider at HSA Bank; TD Ameritrade brokerage available. . . . . . I intend to start investing about $5-6k here soon (rest in cash to avoid fees). I’m not familiar with the holdings via TD Ameritrade yet to know what f...
by ruralavalon
Mon Aug 24, 2015 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 3922

Re: 2008 all over again...

. . . You have no knowledge of future events, except that the market is about to crash and not recover for about a year and a half. What would you change with your IRA or 401k asset allocation? With no knowledge of future events, how do you know that the market is about to crash and not recover for...
by ruralavalon
Mon Aug 24, 2015 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Market timing for first entrance into the market
Replies: 3
Views: 382

Re: Market timing for first entrance into the market

My wife and I are going to be making our first entrance into the market soon. Likely investing in a Vanguard all in one fund to start. I know market timing is generally frowned upon, but is there any utility to waiting a bit before entering given the current market decline? Thanks. Why wait? I don'...
by ruralavalon
Mon Aug 24, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Advice on investing.in.mutual.funds
Replies: 10
Views: 482

Re: Advice on investing.in.mutual.funds

Thank you for all your help. Someone mentioned looking at the cost of mutual fund management. I.dont know whats considered.good.vs not so good. Where does amana rank.up in this regards? Sorry if my.questions are too.basic, but as said.before I m.very.much a beginner so please bare with me. The expe...
by ruralavalon
Mon Aug 24, 2015 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Advice on investing.in.mutual.funds
Replies: 10
Views: 482

Re: Advice on investing.in.mutual.funds

Hi. I am a novice when.it.comes to all things financial. Start with some reading, such as: Bogleheads' Wiki article, "Bogleheads® investment philosophy" ; Bogleheads' Wiki article, "Getting started" ; and a book from this list: "Suggested reading" . Looking for advice....
by ruralavalon
Mon Aug 24, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: 40 years with MegaCorp...Retiring Friday
Replies: 22
Views: 3419

Re: 40 years with MegaCorp...Retiring Friday

Congratulations

Enjoy yoursef, l take a nice trip somewhere, read a book, do whatever you want :) .
by ruralavalon
Sun Aug 23, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Plan: Opinions, please!
Replies: 9
Views: 627

Re: 401k Plan: Opinions, please!

Roll the old 401k over to a traditional IRA at Vanguard.

Priority:
1) max the Roth IRA at Vanguard,
2) max the 401k, use the Dryden S&P 500 fund ER 0.32%, and
3) then taxable investing.
by ruralavalon
Sun Aug 23, 2015 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: New job has no retirement plan, investment advice needed
Replies: 5
Views: 472

Re: New job has no retirement plan, investment advice needed

Thanks for all the reply! They are very helpful. Looks like I should max out Roth IRA, and put most of other savings in a 5yr CD ladder for now. If there are any extra, maybe then put into the taxable account. For the old 403(b), I'll probably roll over to a traditional IRA in Fidelity, since almos...
by ruralavalon
Sun Aug 23, 2015 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: All I can afford is to max my roth: an investment plan
Replies: 25
Views: 1871

Re: All I can afford is to max my roth: an investment plan

I agree with garrettid and retiredjg, take some of the money you could put in the Roth IRAs each year and pay off the loan from your friend who helped you on the condo down-payment.

I simply overlooked that in thinking about your other questions.
by ruralavalon
Sun Aug 23, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Plan: Opinions, please!
Replies: 9
Views: 627

Re: 401k Plan: Opinions, please!

Is there an employer match offered in her 401k?

What is interest rate currently being paid in the Stable Value fund?
by ruralavalon
Sun Aug 23, 2015 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: All I can afford is to max my roth: an investment plan
Replies: 25
Views: 1871

Re: All I can afford is to max my roth: an investment plan

Thanks for the opinion on that I know it is technically market timing, but I saw a thing that Mondays historically have the lowest prices for equities compared to the rest of the week so we were both thinking about doing an auto investment weekly on Mondays into a balanced fund of some sort Will th...
by ruralavalon
Sun Aug 23, 2015 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: All I can afford is to max my roth: an investment plan
Replies: 25
Views: 1871

Re: All I can afford is to max my roth: an investment plan

Good job, getting through school with no debt at all. This leaves us with enough money to max both of our roths but pretty much no additional savings Is maxing a Roth enough, or should I really focus on getting a better job? Which makes more sense, Roth money or paying the loan down faster? Maxing t...
by ruralavalon
Sun Aug 23, 2015 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: New job has no retirement plan, investment advice needed
Replies: 5
Views: 472

Re: New job has no retirement plan, investment advice needed

My near future goal (in 5-10yrs) will be save enough (~70k-80k) for a downpayment for a house That's around $7-16k per year, over 5-10 years. I plan to save ~20k/year in the future, where would you put the money? My thoughts are: 1) Put 5,500 in RothIRA or traditional IRA. Which one is better for m...
by ruralavalon
Sun Aug 23, 2015 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Transfer old 401k from Prudential into what?
Replies: 10
Views: 659

Re: Transfer old 401k from Prudential into what?

Welcome to the forum :) . You are not doing too bad, with $225k accumulated so far. Age: 40 Status: Sole breadwinner with 1 child (10yr) Income: 90K Risk Tolerance: getting gutsy NOW with more risk tolerance The first decision to make is a desired asset allocation (your target stock/bond mix). The i...
by ruralavalon
Sun Aug 23, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 8
Views: 924

Re: First Taxable Account

Until I got close to retirement, we always had automatic reinvestment of dividends and used average cost basis. This is very simple during accumulation, we never sold shares. We did have more than one fund in taxable. Don't take the dividend cash out of your investing account, you lose a lot of your...
by ruralavalon
Sun Aug 23, 2015 8:39 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1518

Re: New Boglehead seeking advice!

Well I have already let go my financial advisor, he says he understands my decision and all and didn't try to convince me to stay, as Meg says he probably not too overly concerned with me leaving. He did say I can talk to him or his associates in the future if I wanted to talk about strategy or thi...
by ruralavalon
Sun Aug 23, 2015 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Transamerica 401K Choices - HELP!!
Replies: 18
Views: 1035

Re: Transamerica 401K Choices - HELP!!

Tax rates. Tax Filing Status - Married Filing Jointly Tax Rate Federal? State? - How do I find this out? State Of Residence - NY "To know which tax bracket you're in, look at your taxable income (not your salary) on line 43 of your 1040 tax return, and then cross reference that against IRS tax...

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