Search found 7656 matches

by ruralavalon
Wed May 04, 2016 10:25 am
Forum: Investing - Help with Personal Investments
Topic: New 401k - Worst in history?
Replies: 8
Views: 271

Re: New 401k - Worst in history?

prudent wrote:Those ER numbers they give you already include any 12b-1 fees.

That's correct.

This is certainly not the worst 401k in history, it's far better than average.
by ruralavalon
Wed May 04, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 44
Views: 1987

Re: Fidelity or Vanguard

Incorrect. Not only can you purchase Admiral funds at Scottrade, but the minimums imposed by Vanguard are waived by Scottrade. When I moved my accounts from ML, I wanted access to a local office. I went with Scottrade, in part, due to a significant new account $$ bonus and many free trades. Fidelit...
by ruralavalon
Wed May 04, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice- Help me simplify into Taylor 3 Fund
Replies: 8
Views: 485

Re: 401k Advice- Help me simplify into Taylor 3 Fund

Here's what Rick himself says about choosing a portfolio: https://www.bogleheads.org/forum/viewtopic.php?t=186618#p2833196 Thanks for the quote and link. That's a very interesting post from Mr Ferri, I had not seen that before. "Allocate and FORGETABOUTIT!" My method is pretty simple. Usi...
by ruralavalon
Wed May 04, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice- Help me simplify into Taylor 3 Fund
Replies: 8
Views: 485

Re: 401k Advice- Help me simplify into Taylor 3 Fund

His 401k (35% of current total) 10%, DFA U.S. Large Cap Value Portfolio (I) (DFLX) (0.27%) 20%, Vanguard Small Cap Value Index ADM (VSIAX) (0.09%) 05%, Dodge & Cox Income Fund (DODIX) (0.44%) Her 401k (65% of current total) 25%, Vanguard Institutional Index Plus (an S&P 500 index fund) (VII...
by ruralavalon
Wed May 04, 2016 8:45 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 46
Views: 1412

Re: How many funds in your portfolio?

Six funds. 50/50 asset allocation. Vanguard Total Stock Market Index Fund Admiral (VTSAX) in rollover IRA Vanguard Total International Stock Market Index Fund Admiral (VTIAX) in taxable + rollover IRA Vanguard Small-cap Value Index Fund Admiral (VSIAX) in Roth IRAs Vanguard REIT Index Fund Admiral (...
by ruralavalon
Tue May 03, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 44
Views: 1987

Re: Fidelity or Vanguard

Incorrect. Not only can you purchase Admiral funds at Scottrade, but the minimums imposed by Vanguard are waived by Scottrade. When I moved my accounts from ML, I wanted access to a local office. I went with Scottrade, in part, due to a significant new account $$ bonus and many free trades. Fidelit...
by ruralavalon
Tue May 03, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice- Help me simplify into Taylor 3 Fund
Replies: 8
Views: 485

Re: 401k Advice- Help me simplify into Taylor 3 Fund

Welcome to the forum :) . You have some nice funds to choose from in both 401ks, you are fortunate. There are probably several good ways that you could do this. Asset allocation. Age: 30 Desired Asset allocation: 90% stocks / 10% bonds. (in five years we will be 80/20 and continue to glide on down) ...
by ruralavalon
Tue May 03, 2016 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to clean up a 400k portfolio that has gotten too unwieldy
Replies: 9
Views: 1411

Re: Ready to clean up a 400k portfolio that has gotten too unwieldy

So, is it totally against the Bogleheads way to put any money at all in more growth/aggressive funds - even if at Vanguard? Ex. Vanguard Growth Index Fund Investor Shares VIGRX "Growth" is an attractive name for a fund. Who doesn't want growth? Google "the blackhole of investing"...
by ruralavalon
Tue May 03, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Where to contribute next? Married, AGI too high for Roth
Replies: 4
Views: 506

Re: Where to contribute next? Married, AGI too high for Roth

Does her 403b offer some good low ER funds to use? What are they? If a few decent funds are offered, then increasing contributions to her 403b might be the best way to go because of higher contribution limits in a 403b. Will his 401k allow an incoming rollover from his rollover IRA? If so, then that...
by ruralavalon
Tue May 03, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 44
Views: 1987

Re: Fidelity or Vanguard

Both have good low ER index funds. Go with the one which is most convenient for you. Some differences are -- Vanguard has a larger menu of low ER funds to choose from, in my opinion Vanguard's website is easier to use, in a few localities Fidelity has some brick and mortar offices for face to face a...
by ruralavalon
Tue May 03, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice for a 24 year old
Replies: 20
Views: 1608

Re: Portfolio Review/Advice for a 24 year old

I suggest using the mutual funds with investor shares. The tickers are VTSMX for total stock market and VGTSX for total international. Forgive me as I am new to Roth IRAs, but if I chose those two investor funds with a minimum investment of 3k each...That would be over the maximum contribution of 5...
by ruralavalon
Tue May 03, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 23
Views: 1956

Re: Almost perfect credit score (FICO from Amex)

Our credit score is 817. The keys are always paying on time, and using very little of our very high credit limits (aka "low utilization"). Our "ding" was not having many credit cards (we have just 3). We don't care much, since we will likely never take out a loan again. Your 790 ...
by ruralavalon
Tue May 03, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Sue your employer over 401k
Replies: 21
Views: 2510

Re: Sue your employer over 401k

I don't understand why you would sue your employer. You can either invest in things outside of the 401k Plan, choose funds inside the 401k that are not eaten up by fees or move employers with a better 401k option. Retirement saving is up to each individual now that pensions are done. It's up to you...
by ruralavalon
Tue May 03, 2016 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice for a 24 year old
Replies: 20
Views: 1608

Re: Portfolio Review/Advice for a 24 year old

I suggest using the mutual funds with investor shares. The tickers are VTSMX for total stock market and VGTSX for total international. Forgive me as I am new to Roth IRAs, but if I chose those two investor funds with a minimum investment of 3k each...That would be over the maximum contribution of 5...
by ruralavalon
Tue May 03, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Advice
Replies: 19
Views: 1335

Re: 401k Portfolio Advice

Just wanted to report that after reviewing the Three Fund Portfolio thread, and reading the advice in this thread, I spoke with my 401k provider (Fidelity). They have agreed to swap out our current S&P 500 index fund (ER: .5%) for their Spartan 500 Index Fund (Advantage Class) (ER: .05%). Thats...
by ruralavalon
Tue May 03, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Ready to clean up a 400k portfolio that has gotten too unwieldy
Replies: 9
Views: 1411

Re: Ready to clean up a 400k portfolio that has gotten too unwieldy

For the most part I agree with Duckie's example portfolio and comments. Here is another example portfolio with 30% bonds, and about 20% of stocks in international stocks. Because you have such excellent funds offered in your 401k, there are probably several good ways you could do this. Taxable @ Van...
by ruralavalon
Tue May 03, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Sue your employer over 401k
Replies: 21
Views: 2510

Re: Sue your employer over 401k

nimo956 wrote:This is why many high fee 401k plans include a cheap-ish 500 Index fund. It's only there so they can say there's a low-cost option, so you can't sue.

And thank goodness for that fund.
by ruralavalon
Tue May 03, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle: "David and Goliath: Who Wins the Quantitative Battle?"
Replies: 11
Views: 1084

Re: Jack Bogle: "David and Goliath: Who Wins the Quantitative Battle?"

Simple arithmetic beats higher mathematics, that is certainly good news for the average investor.
by ruralavalon
Mon May 02, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard pushing active management?
Replies: 18
Views: 1834

Re: Vanguard pushing active management?

. . . . . But, actually broad based, low cost and low turnover are really the keys vs always having investments tied to an index. Many of VG's "active" funds aren't all that active. Exactly. "[B]road based, low cost and low turnover" are keys, one very good way to get that is an...
by ruralavalon
Mon May 02, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article for new investors - Risk tolerance
Replies: 6
Views: 501

Re: Wiki article for new investors - Risk tolerance

Emotion is never included in a financial equation, but presents one of the most difficult aspects when deciding how to invest your money. "What's going on with the market now? How much can I stand to lose?" are two common questions at the crux of this concern. The wiki editors have collab...
by ruralavalon
Mon May 02, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: The 1 website you'd recommend
Replies: 27
Views: 3692

Re: The 1 website you'd recommend

marathonwmn wrote:Other than this one, Is there one website above all others that you would recommend for financial news, commentary and insight?

Which one?

Thanks!

Morningstar, hands down favorite for "one website above all others".

That phrase reminds me of "one ring to rule them all."
by ruralavalon
Mon May 02, 2016 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to clean up a 400k portfolio that has gotten too unwieldy
Replies: 9
Views: 1411

Re: Ready to clean up a 400k portfolio that has gotten too unwild

Welcome to the forum. It's good to see that you are maxing both your 401k and Roth IRA, and have no debt other than your mortgage note. Your 401k does offer several excellent funds, you are fotunate. I think you are right to transfer the Roth IRA to Vanguard. Asset allocation. Age: 43 (would like to...
by ruralavalon
Mon May 02, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 45
Views: 2638

Re: Investment Fee's [too high?]

Thank You all for the replies and advice. I will be doing some suggested reading for the next few days and have an appointment next week with my soon to be former advisor! Kim Don't bother. Select a new custodian (lots of folks here use Vanguard, but Fidelity or Schwab can work too) and give them a...
by ruralavalon
Mon May 02, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Total Mkt. Fund or its Components?
Replies: 12
Views: 531

Re: Total Mkt. Fund or its Components?

More simply consider just two funds --
2/3 Vanguard Total Stock Market Index Fund, and
1/3 Vanguard Small-cap Value Index Fund.
by ruralavalon
Sun May 01, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 49
Views: 3297

Re: Couples: Are you and your significant other on the same page financially?

We are fairly similar. We are both frugal, she is more frugal than I am. I will splurge a bit when she will hesitate to spend. She donates more to charity than I would prefer. She has no interest at all in investing.
by ruralavalon
Sun May 01, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: IRA or Taxable ?
Replies: 11
Views: 781

Re: IRA or Taxable ?

If she has no employment income she can't contribute to an IRA.

What sort of account(s) are the investments currently in?
by ruralavalon
Sun May 01, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 90
Views: 4184

Re: So,are Bogleheads Bourbon or Scotch drinkers?

ResearchMed wrote:
Jack FFR1846 wrote:Neither.

I'm partial to diet coke. Probably saved $100k by not buying alcohol.


This, or fine wine.

(Minus the saving $$)

:happy

RM

Neither.

La Croix sparkling water, natural lime flavor.
by ruralavalon
Sun May 01, 2016 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: 2 options of 401k/403b.
Replies: 14
Views: 538

Re: 2 options of 401k/403b.

My current direction BLACKROCK MSCI ACWI IMI FD M (AOJFT) 5% US ALL CAP EQUITY FUND (KRX04) 5% STATE STREET US BND INDX NON L (ZSUSBT) 90% Those are good fund choices to use in the job 1 401k. Contribute enough to the job 1 401k to get the full match there each year. And contribute enough to the jo...
by ruralavalon
Sun May 01, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: Reading Recommendations
Replies: 5
Views: 491

Re: Reading Recommendations

Bernstein's The Four Pillars of Investing.
Ferri's All About Asset Allocation.
by ruralavalon
Sun May 01, 2016 4:13 pm
Forum: Investing - Theory, News & General
Topic: Sound advice from Warren Buffett
Replies: 16
Views: 2924

Re: Sound advice from Warren Buffett

Rainier wrote:Get rid of the "helpers"

Please, please don't help me.
by ruralavalon
Sun May 01, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 50
Views: 3745

Re: How to Bogleheads TRAVEL?

We --
book piecemeal,
rent a condo or vacation home, and
travel by car.
by ruralavalon
Sat Apr 30, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/Advice for a 24 year old
Replies: 20
Views: 1608

Re: Portfolio Review/Advice for a 24 year old

Thank you very much for taking time to do this, I appreciate it. I have re-allocated my 401k to your suggestions. I also opened up a Vanguard account, but noticed the minimum deposit for the two funds you recommended were 10k each. I do not have enough cash to start with those. Would you suggest VT...
by ruralavalon
Fri Apr 29, 2016 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k
Replies: 9
Views: 610

Re: New 401k

Why use Vanguard Target Retirement Income Fund (VTINX) in your mix? Why use Metropolitan West Total Return (MWTIX), since you have Vanguard Total Bond you can use? I assume that you are aiming for a 25% bond allocation. I think that Metropolitan West Total Return (MWTIX) is a good actively managed i...
by ruralavalon
Fri Apr 29, 2016 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: A little guidance towards financial success
Replies: 22
Views: 1770

Re: A little guidance towards financial success

Asset allocation. His Age: 33 Her Age: 31 His Income: $65,000 Her Income: $50,000 Desired Asset allocation: 95 stocks / 5% bonds Desired International allocation: ?% of stocks At age31, I suggest about 20% in bonds. Wiki articles, "Asset allocation" and Bogleheads® investment philosophy, ...
by ruralavalon
Fri Apr 29, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 132
Views: 8731

Re: Is Vanguard phone support always this bad?

Okay, planning on putting my accounts into Vanguard next year, quite interested in this issue as I just heard the same thing from other on an early retirement board. I thought Vanguard was the best, it has been bragged about for years. :confused My guess is that this is an a temporary anomaly. I do...
by ruralavalon
Fri Apr 29, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: A little guidance towards financial success
Replies: 22
Views: 1770

Re: A little guidance towards financial success

eternalpaw, For many people in 25% tax bracket, their contribution to tIRA is not tax deductible. Hence, it does not make sense to contribute tIRA. Only Roth IRA make sense. https://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/2016-IRA-Contribution-and-Deduction-Limits-Effect-of-Modified...
by ruralavalon
Fri Apr 29, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: A little guidance towards financial success
Replies: 22
Views: 1770

Re: A little guidance towards financial success

BL is correct that "there are different answers for different circumstances". If you don't have substantial pensions, don't expect drastic increases in salary, and are in the 15% bracket or lower, then it is likely best to do traditional 401k contributions. You are in the 25% federal brac...
by ruralavalon
Fri Apr 29, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: A little guidance towards financial success
Replies: 22
Views: 1770

Re: A little guidance towards financial success

eternalpaw wrote:
ruralavalon wrote:What low expense ratio funds are offered in her 401k?
Converted her entire 401k portfolio to SPTN 500 INDEX INST (FXSIX)

Are the other Fidelity Spartan Index funds also offered in her 401k?
by ruralavalon
Fri Apr 29, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: A little guidance towards financial success
Replies: 22
Views: 1770

Re: A little guidance towards financial success

I may be miscalculating, but let's just say for discussion purposes that the tax rates remain the same 40 years from now. If I continue to contribute like I currently do then when I retire my monthly income from all my investments (~$6800/month) will STILL put me in the 25% tax bracket. So if that ...
by ruralavalon
Fri Apr 29, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: A little guidance towards financial success
Replies: 22
Views: 1770

Re: A little guidance towards financial success

Also --

Do you expect that your income will soon very substantially increase (such as it would for a recent medical school grad, or other professional)?

Will his current Roth 401k accept an incoming transfer from his rollover Roth IRA?
by ruralavalon
Fri Apr 29, 2016 7:56 am
Forum: Investing - Help with Personal Investments
Topic: A little guidance towards financial success
Replies: 22
Views: 1770

Re: A little guidance towards financial success

So we can better address your questions please answer the underlined questions , please just add this information to your original post using the edit button. It helps a lot to have all of your information in one place. Asset allocation. His Age: 33 Her Age: 31 His Income: $65,000 Her Income: $50,00...
by ruralavalon
Fri Apr 29, 2016 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Insight on small cap value
Replies: 5
Views: 639

Re: Insight on small cap value

I am considering adding some small cap value index funds to my portfolio. Currently 80/20 Stock/Bond Ratio. 60% Total US Stock Index 20% Total International index 20% Total Bond Index Any insight and/or recommendations regarding the small cap diversification? Rick Ferri suggests about 1/3 of domest...
by ruralavalon
Fri Apr 29, 2016 6:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Value Index Expense Ratio Decreases
Replies: 23
Views: 2008

Re: Vanguard Small Cap Value Index Expense Ratio Decreases

New lower expense ratios for us :) --
Small-Cap Value Index Fund Admiral (VSIAX) ER 0.08%
Intermediate-Term Bond Index Fund Admiral Shares (VBILX) 0.09%
by ruralavalon
Thu Apr 28, 2016 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help investing at age 62
Replies: 4
Views: 559

Re: Help investing at age 62

I'm a year older than you, retired last year and went with the "plain vanilla" indexes for my IRA, per Lafder's link: - Vanguard Total Stock Market Index Fund (VTSMX) - Vanguard Total International Stock Index Fund (VGTSX) - Vanguard Total Bond Market Fund (VBMFX) I'm perfectly happy with...
by ruralavalon
Thu Apr 28, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rebalancing: Feedback please
Replies: 8
Views: 559

Re: 401K Rebalancing: Feedback please

The three funds you are using look like good choices. Anyone else think the fixed interest is a good idea in place of the sole bond fund? Read the fund materials carefully, and ask the plan administrator if necessary. But if the 3.65% return is right, then yes it is a good substitute for a bond fund...
by ruralavalon
Thu Apr 28, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor, How to allocate my Vanguard Roth
Replies: 3
Views: 346

Re: New Investor, How to allocate my Vanguard Roth

Welcome to the forum :) . It's good to see that you want to use index funds. Howdy Jake, Welcome to bogleheads! If you reformat your post to follow the guidelines in this link, people will be much better able to give you some input. You've come to the right place :happy . https://www.bogleheads.org/...
by ruralavalon
Thu Apr 28, 2016 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: 2 options of 401k/403b.
Replies: 14
Views: 538

Re: How to get max employer match 401k

Let's say you have 2 jobs. 1 offers a 401k with 1.25% match and the other offers a 401k with 5% match ($1 to $1 for the first 3% then $0.5 for the 2%), but the first employer has better funds and lower expense ratio. Employer 2 has ok funds with ok expense ratios. Should you just contribute to the ...
by ruralavalon
Thu Apr 28, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help deciding if to ditch my financial advisor and DIY
Replies: 13
Views: 1012

Re: Help deciding if to ditch my financial advisor and DIY

I have been thinking about going the doing it yourself route But I have been having difficulty deciding and would appreciate help from my fellow bogleheads. We were lucky to find a fee only advisor relatively early in our careers. Currently we are paying 1800 yearly flat fee for about 1 million in ...

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