Search found 8664 matches

by ruralavalon
Sat Sep 24, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Bank Balance better predictor of happiness than Total Wealth
Replies: 43
Views: 5945

Re: WSJ: Bank Balance better predictor of happiness than Total Wealth

I think this makes total sense. As a banker, I see this a lot and also anecdotally notice it a lot among friends and even people on this forum. Many people have more than enough in their checking accounts to pay off at least one of their loans - a car loan, student loan, even a mortgage or two. But...
by ruralavalon
Sat Sep 24, 2016 1:52 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 71
Views: 5260

Re: Do Bogleheads Bucket?

I had a consultation with a financial advisor recently (totally free through my credit union, and she didn't try to sell me anything... :happy ). One of the things she did at one point was draw three circles on a piece of paper. One of them was "cash", about 1 years worth of expenses, one...
by ruralavalon
Sat Sep 24, 2016 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: General allocation and investing questions
Replies: 4
Views: 417

Re: General allocation and investing questions

Welcome to the forum :) . Congratulations on the February baby. It's good to see that you are debt free other than the mortgage note. Asset allocation. Age: 32 Desired Asset allocation: Unsure Desired International allocation: Unsure . . . . . As far as my asset allocation goes, I’d like to think th...
by ruralavalon
Sat Sep 24, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Email from Financial Advisor
Replies: 22
Views: 3213

Re: Email from Financial Advisor

I'll just select one fund that is the broadest index, lower EF, and lower turnover. Then put it all in. It might just be the American Washington Mutual. I don't know unless you all know of a good one off hand with Columbia, American, IVA, Hartford. In any case, thanks for the info (today's, past an...
by ruralavalon
Fri Sep 23, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449744

Re: What Book Are You Currently Reading? Part VI

Dreamland, by Sam Quinones.

This is an excellent book on the origins, causes and responses to the prescription drug and heroin addiction epidemic in the U.S. This is a very worthwhile book in my opinion.
by ruralavalon
Fri Sep 23, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: New portfolio!
Replies: 6
Views: 296

Re: New portfolio!

Welcome to the forum :) . I have just a few comments. 1) In my opinion your desired asset allocation is within the range of what is reasonable for age 28. 2) In my opinion you should pay off the debt before investing in a taxable account. That may have been your intent anyway, I was a little unclear...
by ruralavalon
Fri Sep 23, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 71
Views: 5260

Re: Do Bogleheads Bucket?

There seem to be several variations of the so-called bucket approaches out there. I think before people shoot it down (or defend it) it should be defined. One could view a split between stocks and bonds as two buckets, and those buckets could be rebalanced periodically - making the standard Boglehe...
by ruralavalon
Fri Sep 23, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 18
Views: 1675

Re: Schwab vs Vanguard

In my opinion the inability to use Admiral Shares at Schwab is a good reason to transfer the account to Vanguard.
by ruralavalon
Fri Sep 23, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 18
Views: 1675

Re: Schwab vs Vanguard

Thanks to everyone for your responses. When I spoke to a Schwab representative, he mentioned that he could wave the transaction fee when I move from my current holdings to my new 3 fund portfolio. I'm not sure if this would apply when purchasing Vanguard funds, but if it does, I could set up a port...
by ruralavalon
Fri Sep 23, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Company's 401k junk and Trad IRA languishes - I want to fix now!
Replies: 26
Views: 1655

Re: Company's 401k junk and Trad IRA languishes - I want to fix now!

So, here's my quandary, I have just over $57k in the 401k right now and am trying to figure out the best way to maximize my allowable 401k contributions under the IRS rules, but not throwing my money away on fees on crap, under performing funds AND figure out what to do with my IRA in concert. . . ...
by ruralavalon
Fri Sep 23, 2016 10:25 am
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 7643

Re: new chapter of life started - want to save and grow money

hi guys, so i've chosen these funds and i'm doing max contribution. thx! 60%, Vanguard Institutional Index Fund Institutional Plus (a S&P 500 index fund) (VIIIX) ER 0.02% 20%, Spartan International Index (larger companies in developed markets except Canada) (FSIIX) ER 0.06% 20%, Vanguard Total ...
by ruralavalon
Thu Sep 22, 2016 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover
Replies: 1
Views: 138

Re: 401k Rollover

You could do a rollover to an IRA at a low cost provider like Vanguard. How much is in this John Hancock 401k account? What funds is that account invested in (fund names, tickers and expense expense ratios)? Do you already have have an IRA someplace? Please simply simply add this to your original po...
by ruralavalon
Thu Sep 22, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: AAAAAH-employer plan switching to VOYA - HELP! 3-fund portfolio challenge
Replies: 9
Views: 892

Re: AAAAAH-employer plan switching to VOYA - HELP! 3-fund portfolio challenge

Questions: 1. I want to change my new investments to a simple 3-fund portfolio in my new 457 & 403 plans like I had with Fidelity. I don’t know enough about how good & cost-effective these funds are. I would appreciate if you could give me your opinion and advice on which funds would be ide...
by ruralavalon
Thu Sep 22, 2016 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 18
Views: 1675

Re: Schwab vs Vanguard

Schwab does not have a total bond market index fund. Their actively managed Schwab Total Bond Market Fund (SWLBX) has a relatively high expense ratio of 0.29%, and did not hold up well during the 2008-09 stock market collapse. .
by ruralavalon
Thu Sep 22, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 56
Views: 4196

Re: What Percentage To Put In International Stock?

reriodan wrote:Why not market weight?

Why market weight?
by ruralavalon
Thu Sep 22, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: My future in your hands...
Replies: 11
Views: 1723

Re: My future in your hands...

Taxable (this is the Raymond James account) 2% cash 14% Adams Diversified Equity Fund (ADX) 0.64% Unrealized loss of $106 13% Advent Claymore Enhanced Growth and Income Fund (LCM) 1.85% Unrealized loss of $665 13% Royce Value Trust (RVT) .61% Unrealized loss of $192 18% Abbott Labs (ABT) Unrealized...
by ruralavalon
Thu Sep 22, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar portfolio gone
Replies: 4
Views: 342

Re: Morningstar portfolio gone

I am not premium member, and use only the free portfolio manager. My portfolio is still there.
by ruralavalon
Wed Sep 21, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help with Bond Allocation!
Replies: 9
Views: 814

Re: Please Help with Bond Allocation!

Welcome to the forum :) . 1) Is this a bad time to diversify into bonds with interest rates so low? I know we are to avoid timing the market but I want to use common sense. Most people here think that any effect from rising rates will be small and temporary, so I think it' OK to diversify into bonds...
by ruralavalon
Wed Sep 21, 2016 3:16 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 71
Views: 5260

Re: Do Bogleheads Bucket?

I think buckets are just labels for doing what Bogleheads do anyway, and maybe a psychological ploy. Bogleheads retirees do not sell equities when they are down. They withdraw from non-equities, but don't bother with the term bucket. They might even buy more equity (rebalance) in down markets. Now ...
by ruralavalon
Wed Sep 21, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: My future in your hands...
Replies: 11
Views: 1723

Re: My future in your hands...

Welcome to the forum :) . Valuethinker is correct, the first thing to do is decide on a desired asset allocation. Asset allocation is a very personal decision. You must decide on an allocation that is comfortable for you based on your ability, willingness and need to take risk. At age 30, I suggest ...
by ruralavalon
Tue Sep 20, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 71
Views: 5260

Re: Do Bogleheads Bucket?

I am 71 years old, retired for 5 years, and don't use a bucket strategy. A bucket strategy has always seemed to me to be excessively and unnecessarily complicated. Our asset allocation is 50% bonds, using intermediate-term bond funds. That's enough to cover about 15 years of living expenses, so it s...
by ruralavalon
Tue Sep 20, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 26
Views: 2051

Re: New to here. Need help with retirement planning.

Asset allocation. I think DH is mainly ok with somewhere around 80/20, 85/15, stock/bond allocation at this point in our lives. In my opinion an asset allocation of 80/20 stocks bonds is within the range of what is reasonable at age 31. This is expected to substantially reduce volatility (risk), wi...
by ruralavalon
Tue Sep 20, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 134
Views: 7418

Re: Favorite Coffee

It looks like the winners are:

Jamaican Blue Mounntain

Peet's Major Dickason's Blend or French Blend.


Others often mentioned:

Eight O'Clock, various

Community Coffee, various

Cafe Bustelo

Costco, Kirkland Columbian



Don't you wish we still had polls here?
by ruralavalon
Tue Sep 20, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 56
Views: 4196

Re: What Percentage To Put In International Stock?

Image

Notice how the curves are relatively flat in the range 20 - 50%. This indicates to me that historically it has probably made little difference where you were in that range.

There is no clear right answer, in my opinion.
by ruralavalon
Mon Sep 19, 2016 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 26
Views: 2051

Re: New to here. Need help with retirement planning.

Could you please list the totals in each account like this- Stock account at xxx company, $36k, aa% of total Cash available for investing, $???, bb% of total His 403b, $48k, cc% of total Her 401k, $???, dd% of total Her Roth IRA, $???, ee% of total His Roth IRA, $???, ff% of total Total = $????, 100...
by ruralavalon
Mon Sep 19, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 26
Views: 2051

Re: New to here. Need help with retirement planning.

Hello, We had a question about the $18,000 annual contribution limit in regards to the 403b option for individual, and $53,000 limit "combined" elective and non-elective. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-403b-contribution-limits DH employer ...
by ruralavalon
Mon Sep 19, 2016 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Scaling Portfolio
Replies: 3
Views: 544

Re: Asset Allocation - Scaling Portfolio

Other Information I can handle the risk associated with my current 92% stock / 8% bond allocation I am somewhat skeptical of the ability to harvest a small value premium going forward, but have decided to go for it and stick with a minor small value tilt. I am in the process of selling my house, an...
by ruralavalon
Mon Sep 19, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 56
Views: 4196

Re: What Percentage To Put In International Stock?

I suggest around 20 - 30% of stocks in international stocks.

There is no clear right answer, in my opinion.

We have about 25% of stocks in international stocks.
by ruralavalon
Mon Sep 19, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449744

Re: What Book Are You Currently Reading? Part VI

Bear Island, by Alistair MacLean.

A film crew is off to the Arctic on a rebuilt steam trawler, mysterious deaths commence without apparent motive. Not MacLean's best book, but still worth reading.
by ruralavalon
Sun Sep 18, 2016 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: New Here - Please Help with Retirement Portfolio
Replies: 6
Views: 727

Re: New Here - Please Help with Retirement Portfolio

Jack FFR1846& ruralava, thanks for your response. How can I simplify my portfolio to achieve my AA stated above? Thanks in advance. Asset allocation. At ages 40 and 44 I suggest around 30% in bonds. This is expected to substantially reduce volatility (risk), with only a relatively slight decrea...
by ruralavalon
Sun Sep 18, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: 30 Year Old Retirement Fund Allocation
Replies: 4
Views: 578

Re: 30 Year Old Retirement Fund Allocation

Welcome to the forum :) . Questions 1. To achieve the 20% bond goal, where would be the best place to hold the bonds, the TSP (as a G Fund) or Roth (in maybe the Vanguard Balanced Index Fund Admiral Shares - VBIAX)? If it is the Balanced fund, should I commit twice the amount to the fund because of ...
by ruralavalon
Wed Sep 14, 2016 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 26
Views: 2051

Re: New to here. Need help with retirement planning.

Welcome to the forum :) . You are doing very well. How much is being contributed annually to his 401k? What are the investments in his 401k? What are the lowest expense ratio funds offered in his 401k? Please give fund names, tickers, and expense ratios. You can simply add this to your original pos...
by ruralavalon
Wed Sep 14, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 26
Views: 2051

Re: New to here. Need help with retirement planning.

So we reviewed DH's options! Fidelity was doing active work management, so he canceled that immediately, but now he's left with a mess to clean up they had us in no less than 22 funds. He has to wait 90 days on some accounts to trade to avoid some penalties, but regarding future contributions (and ...
by ruralavalon
Wed Sep 14, 2016 5:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1726

Re: Forum tops 3,000,000 post mark

Congratulations to the owners, original members, and moderators who have made this forum a wonderful resource for the ordinary middle-class retail investor.
by ruralavalon
Wed Sep 14, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie investor who wants to simplify portfolio, recommendations welcome!
Replies: 7
Views: 623

Re: Newbie investor who wants to simplify portfolio, recommendations welcome!

Welcome to the forum :) . It's great to see that you are debt free. In my opinion your desired asset allocation is within the range of what is reasonable. In your new plan, I suggest omitting international bonds. In my opinion an international bond fund adds complexity and expense, with no readily a...
by ruralavalon
Wed Sep 14, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 134
Views: 7418

Re: Favorite Coffee

Greenwell Farms, Full City Roast.
by ruralavalon
Wed Sep 14, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest After Roth IRA and 401k Match?
Replies: 4
Views: 325

Re: Where to Invest After Roth IRA and 401k Match?

If there are any decent funds offered in your 401k, then you should probably contribute more to your 401k beyond the employer match rather than invest in a taxable account. What are the 3 - 5 lowest expense ratio funds offered in your 401k? Do you have any debt? If so what types, amounts and interes...
by ruralavalon
Wed Sep 14, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: New Here - Please Help with Retirement Portfolio
Replies: 6
Views: 727

Re: New Here - Please Help with Retirement Portfolio

Welcome to the forum :) . In my opinion your desired asset allocation is within the range of what is reasonable. At ages 40 and 44 I suggest around 30% in bonds. I suggest in the area of 20 - 30% of stocks in international stocks. That works out to about: 30% bonds; 15 - 20% international stocks; an...
by ruralavalon
Tue Sep 13, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449744

Re: What Book Are You Currently Reading? Part VI

The Johnstown Flood, by David McCullough.

This is the history of a devastating 1889 flood resulting from the failure of a poorly rebuilt and poorly maintained dam in Pennsylvania.
by ruralavalon
Mon Sep 12, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Need help with allocation for my 401k
Replies: 1
Views: 279

Re: Need help with allocation for my 401k

Welcome to the forum :) . You are fortunate to have Vanguard funds in your new 401k. In your 40s around 30% in bonds would be reasonable, in my opinion 20% is too low. In domestic stocks you are very seriously overweight in mid-cap and small-cap. You have them at 67% of domestic stocks, but they mak...
by ruralavalon
Sun Sep 11, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Any Recommendations: Vanguard vs. Merrill Edge?
Replies: 7
Views: 500

Re: Any Recommendations: Vanguard vs. Merrill Edge?

I have no accounts at Merrill or Bank of America, so cannot comment on them. I suggest Vanguard because the rest of your investing accounts are there, and because if you want to use Vanguard funds there is usually no good reason to buy them through an account anywhere else. I am always leery of side...
by ruralavalon
Sun Sep 11, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Incorporating REIT index into already balanced portfolio
Replies: 6
Views: 695

Re: Incorporating REIT index into already balanced portfolio

You may be over thinking this. In my opinion a REIT allocation anywhere in the range of 5 - 15% of portfolio is within reason, so any one of those three allocations is in that range. Personally our REIT allocation is at 5% of total portfolio, 10% of total stocks. REITs are in fact domestic stocks. T...
by ruralavalon
Fri Sep 09, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: What to buy for $20k in taxable account
Replies: 3
Views: 576

Re: What to buy for $20k in taxable account

Transferred $20k from bank to vanguard taxable account. What should I buy? How about Vanguard California Intermediate-term Tax-exempt Investor Shares VCAIX? Thanks It really depends on what your other investments are, what you want to use the money for, when you want to.use it, whether you are full...
by ruralavalon
Fri Sep 09, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Mid-20's/100k income portfolio advice
Replies: 8
Views: 1324

Re: Mid-20's/100k income portfolio advice

1) I suggest that you NOT limit yourself to the amount necessary to get the employer match. Contribute the maximum to your IRA, and contribute as much as you can to the 401k making sure that you always contribute at least enough each year to get the full employer march, and as much additional as is...
by ruralavalon
Thu Sep 08, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-20's/100k income portfolio advice
Replies: 8
Views: 1324

Re: Mid-20's/100k income portfolio advice

Age:26 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30% of stocks In my opinion your desired asset allocation is within the range of what is reasonable. That works out to about: 20% bonds; 25% international stocks; and 55% domestic stocks. Fund selection. In se...
by ruralavalon
Thu Sep 08, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449744

Re: What Book Are You Currently Reading? Part VI

The Pale Horse, by Agatha Christie.

A Priest murdered on a foggy night in London had a list of names of completely unrelated people who have recently died. Three women living in a former country inn say that they are witches and that they can cast spells that kill.

This is a fun mystery.
by ruralavalon
Thu Sep 08, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 25
Views: 1822

Re: Are all of these 401k options terrible?

Wiki article, "Prioritiing investments" . Here is a general account funding priority that often works well for many people (not all points will apply to everyone): Contribute to the work-based plan (401(k), 403b,) enough to get the full employer match (the match is like free money, your be...
by ruralavalon
Thu Sep 08, 2016 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Left Advisor - Need help implementing new strategy
Replies: 5
Views: 804

Re: Left Advisor - Need help implementing new strategy

My biggest concern about the suggested approach is the variability of additions to the taxable account during the next three to five years based on our respective bonuses, high childcare costs and potential need to do some work on our house. I don't believe we can reliably count on the $50k we adde...
by ruralavalon
Thu Sep 08, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: New money
Replies: 15
Views: 1681

Re: New money

Flymore wrote:Market and bonds are high.

And they might be higher tomorrow, next month, or next year.

Please see the Vanguard paper "Dollar-cost averaging just means taking your risk later".
by ruralavalon
Thu Sep 08, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 26
Views: 2051

Re: New to here. Need help with retirement planning.

Welcome to the forum :) . You are doing very well. How much is being contributed annually to his 401k? What are the investments in his 401k? What are the lowest expense ratio funds offered in his 401k? Please give fund names, tickers, and expense ratios. You can simply add this to your original post...

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