Search found 8534 matches

by ruralavalon
Fri Aug 26, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Help deciding asset Allocation between 401k and IRA
Replies: 16
Views: 922

Re: Help deciding asset Allocation between 401k and IRA

But what are your thoughts on Vanguard total international stock fund? I think that Vanguard Total International Stock Index Fund is an excellent fund. It''s well diversified and has a very low expense ratio, two things I look for in a stock fund. It covers both larger and smaller companies in both...
by ruralavalon
Fri Aug 26, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1783
Views: 424844

Re: What Book Are You Currently Reading? Part VI

Just finished: Colonel Roosevelt by Edmund Morris - free with first month trial of Audible. Theodore Rex on hard cover - 50 cents at used book store. The Rise of Theodore Roosevelt on kindle - $1.99 on bookbub. First time completing a trilogy by print, electronic, and audio. Great entertainment for...
by ruralavalon
Fri Aug 26, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan HELP!
Replies: 4
Views: 454

Re: Retirement Plan HELP!

Two funds to use are: TIAA-CREF S&P 500 Index Fund Institutional Class ER 0.06% TIAA-CREF International Equity Index Fund Institutional Class ER 0.06% There must be a third page that covers bond, fixed income and guaranteed funds, please see if you can locate that. Do you have a desired asset al...
by ruralavalon
Thu Aug 25, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1783
Views: 424844

Re: What Book Are You Currently Reading? Part VI

The Great Taos Bank Robbery, by Tony Hillerman.

A wonderful collection of mostly true stories about New Mexico, from Hillerman's years as a newspaper editor and journalist.

Anyone who likes his novels will enjoy this book.
by ruralavalon
Thu Aug 25, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Allocation of my 401k
Replies: 3
Views: 207

Re: Help with Allocation of my 401k

Please give me your ideas on asset allocation after reading the links I gave earlier. Low expense ratios are the best predictors of future performance. Please give the ticker symbols and expense ratios for the funds as offered in your 401k. Sometimes the expense ratios offered in a 401k are differen...
by ruralavalon
Thu Aug 25, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding between SWPPX/SWTSX and IJJ
Replies: 2
Views: 176

Re: Deciding between SWPPX/SWTSX and IJJ

It looks to me like you have already correctly figured out the answers to your questions. In fact, if you lay the performance of all three for the past five years on top of each other, they are pretty much the same. The two questions and the answers I came up with: 1) This money is $8,800 in one acc...
by ruralavalon
Thu Aug 25, 2016 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help Simplifying Accounts/ Strategizing Allocations
Replies: 5
Views: 410

Re: Help Simplifying Accounts/ Strategizing Allocations

Don't make things difficult for yourself.
1 checking account
1 savings account
1 taxable brokerage account @ Vanguard
1 TSP account
1 Roth IRA @ Vanguard

Try to make the maximum contribution to your TSP account.
by ruralavalon
Thu Aug 25, 2016 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan HELP!
Replies: 4
Views: 454

Re: Retirement Plan HELP!

TIAA-Cref has me taking an aggressive approach. -My Employer will reduce my salary on a pre-tax basis by 5.5% and direct my Employer to contribute this amount to the Plan. My Employer will also contribute an additional amount equal to 8.5% of my salary to the Plan. -They have it slated for %85 inve...
by ruralavalon
Thu Aug 25, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help deciding asset Allocation between 401k and IRA
Replies: 16
Views: 922

Re: Help deciding asset Allocation between 401k and IRA

Thank you for responding. Right now with the mortgage ($1390/ month) and $500 - car loan, it is a challenge to come up with extra $$ towards the 401k. Thanks for the suggestions on the 401k. I will use the S&P 500 plan for now. I am reluctant to use the bond fund in the 401k as the expense rati...
by ruralavalon
Thu Aug 25, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to 401k W/O Match or Taxable?
Replies: 7
Views: 391

Re: Contribute to 401k W/O Match or Taxable?

Unless the funds and expense ratios in your 401k are awful, it's probably better to contribute to a 401k as opposed to a taxable account. So you need to find out what the fund and expense ratios are.
by ruralavalon
Thu Aug 25, 2016 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Allocation of my 401k
Replies: 3
Views: 207

Re: Help with Allocation of my 401k

Welcome to the forum :) . Asset allocation. You didn't indicate a desired asset allocation. That needs to be your first decision. At age 40 I suggest in the area of 70/30 stocks/bonds. This is expected to substantially reduce volatility (risk), with only a relatively slight decrease in return. Graph...
by ruralavalon
Thu Aug 25, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 101
Views: 5329

Re: How do you view debt?

. . . . . 3) New Car Loans at 0% offer a great value. If you are being a car with low depreciation and plan on keeping it for 10 years this provides a great deal. Of course many folks will pay too much to finance cars they can't really afford unaware of how they are throwing money away. . . . . . I...
by ruralavalon
Thu Aug 25, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan HELP!
Replies: 4
Views: 454

Re: Retirement Plan HELP!

Welcome to the forum :) .

More information is needed. Please see the post "asking portfolio questions" for what is needed and format. You can simply amend your original post using the edit button, so that all of your information is in one place.
by ruralavalon
Thu Aug 25, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 70
Views: 8064

Re: Vanguard's so so customer service

We have been with Vanguard since 2005, all of our accounts are there.

We rarely have need to do anything with our investments, usually can do whatever we want on-line, probably call no more than once per year, and have never felt that the service was poor.
by ruralavalon
Thu Aug 25, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 101
Views: 5329

Re: How do you view debt?

. . . . . 3) New Car Loans at 0% offer a great value. If you are being a car with low depreciation and plan on keeping it for 10 years this provides a great deal. Of course many folks will pay too much to finance cars they can't really afford unaware of how they are throwing money away. . . . . . I...
by ruralavalon
Thu Aug 25, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Questions
Replies: 9
Views: 521

Re: 401k Portfolio Questions

Congratulations for the baby on the way :) . You didn't state a desired asset allocation.That is the first decision to make. At age 29 I suggest an asset allocation of 80/20 stocks/bonds. I suggest in the range of 20 - 30% of stocks international stocks. That works out to about: 20% bonds; 20% inter...
by ruralavalon
Wed Aug 24, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401k allocation options
Replies: 7
Views: 528

Re: 401k allocation options

Welcome to the forum :) . Asset allocation. Age: 33, same for wife. Desired Asset allocation: 80 or 90% stocks / 10 or 20% bonds Desired International allocation: (low?) % of stocks In my opinion an asset allocation of 80/20 stocks/bonds is reasonable at age 33. I suggest at least 20% of stocks in i...
by ruralavalon
Wed Aug 24, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Portfolio AA
Replies: 6
Views: 255

Re: Feedback on Portfolio AA

Hello Folks, Any thoughts on the following equity AA of my portfolio (I have a separate fixed income portion): 50% Total US Stock Market 10% US Small Cap Value 30% Total Internatioanl 10% Emergining Markets All funds will be Vangaurd index funds (mutual funds and/or etfs). Basically, it's the three...
by ruralavalon
Wed Aug 24, 2016 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: To reinvest or not to reinvest
Replies: 4
Views: 647

Re: To reinvest or not to reinvest

I have two after tax vanguard accounts ( Vanguard Tax Managed Balanced Index Fund Admiral Shares VTMFX and Vanguard Health Care Fund Investor Shares VGH C X) and have always had capital gains and dividends reinvested. Should I not? I am unexpectedly retired and trying to figure things out. I sugges...
by ruralavalon
Wed Aug 24, 2016 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help deciding asset Allocation between 401k and IRA
Replies: 16
Views: 922

Re: Help deciding asset Allocation between 401k and IRA

It's great to see that you are debt free, other than the mortgage note. You have some nice funds offered in your 401k, you are fortunate. Age: 34 Desired Asset allocation: 80% stocks and 20% bonds Desired International allocation: 30% In my opinion your desired asset allocation is within the range o...
by ruralavalon
Wed Aug 24, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investing/Portfolio questions (age 31)
Replies: 3
Views: 355

Re: Investing/Portfolio questions (age 31)

Welcome to the forum :) . Thank you for the information. I have scheduled an appointment with our Payroll department to learn more about the 403(b) options. I am still trying to figure out what to do with the money in savings, and if opening a taxable account is something I should pursue. Thanks aga...
by ruralavalon
Wed Aug 24, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Questions
Replies: 9
Views: 521

Re: 401k Portfolio Questions

Welcome to the forum :) . It looks to me like you are off to a good start ($75k at age 29), and have some nice funds offered in your 401k. Hello Everyone, Just joined the site and I thought it would be a good idea to get some advise from people more knowledgeable about these things. I thought I woul...
by ruralavalon
Wed Aug 24, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: 39 Year Old Couple - Need Advice
Replies: 4
Views: 993

Re: 39 Year Old Couple - Need Advice

Welcome to the forum :) . At age 39 I suggest an asset allocation around 75/25 or 70/30 stocks/bonds. I suggest that the bond be held in a tax-protected account, such as a 401k depending on what funds are offered in the 401ks. Rollovers are generally at zero cost, although there is sometimes a small...
by ruralavalon
Wed Aug 24, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest excess cash flow
Replies: 7
Views: 625

Re: Where to invest excess cash flow

It looks to me like you are already in very good shape. My idea would be: 1) pay off the car loans just to simplify; and 2) fund a joint taxable account invested in very tax-efficient total market stock index funds. That really does not complicate your taxes significantly, and it's not hard to under...
by ruralavalon
Tue Aug 23, 2016 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund to Choose
Replies: 7
Views: 890

Re: Which Bond Fund to Choose

I am constructing the three fund portfolio in a 401k that does not have the vanguard total bond market fund. I have the following options, Managed Income Portfolio II Class 1, expense ratio: 0.57% (A fidelity offering with no ticker) American Century Government Bond Fund Institutional Class (ABTIX)...
by ruralavalon
Tue Aug 23, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 169347

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

Retired, age 71, asset allocation 50/50.

Up 8.68% year to date per Morningstar's portfolio manager.

Best fund so far is Vanguard REIT Index Fund, up 14.0% year to date.
by ruralavalon
Tue Aug 23, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: where to start with investing
Replies: 9
Views: 735

Re: where to start with investing

To start consider something very simple but very diversified such as Vanguard Balanced Index Fund, a Vanguard Target Retirement Fund, or a Vanguard LifeStrategy Fund.

Do you also have a work-based plan offered at your job, such as a 401k, 403b, 457?
by ruralavalon
Tue Aug 23, 2016 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Company's 401k junk and Trad IRA languishes - I want to fix now!
Replies: 17
Views: 957

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

My company's president is the plan admin for our 401k. I've been going back and forth with him, expressing my concerns about our plans fees with some paraphrasing from the sample crap-company-401k letter. I've conveyed how I'd like to assist with exploring options and insuring compliance with ERISA...
by ruralavalon
Tue Aug 23, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Company's 401k junk and Trad IRA languishes - I want to fix now!
Replies: 17
Views: 957

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

Then this morning he emails me to tell me that within a month several low cost index funds from Vanguard will be added to our mutual fund choices through John Hancock. So far as I know, I'm the only one beating this drum and of course I'll be checking to see what kind of markup these "new"...
by ruralavalon
Mon Aug 22, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1783
Views: 424844

Re: What Book Are You Currently Reading? Part VI

Bunker Hill, by Nathaniel Philbrick.

A vivid history of the beginnings of the American Revolution, and the personalities involved, through the British evacuation of Boston.

I recommend this book.
by ruralavalon
Mon Aug 22, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 101
Views: 5329

Re: How do you view debt?

The way I see it debt is a necessary evil .I operate with a presumption of guilt: debt is considered evil until proven necessary. Even if it is proven necessary, it's still on double secret probation (thank you Dean Wormer) in my playbook and we part ways as soon as we can. True. And funny, made me...
by ruralavalon
Mon Aug 22, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Company's 401k junk and Trad IRA languishes - I want to fix now!
Replies: 17
Views: 957

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

Please see the wiki article "prioritizing investments". The priorities that often work best for many people are: 1) contribute enough to the 401ks to get the full employer match; 2) pay off any high interest debt; 3) contribute the maximum to IRAs for both spouses; 4) contribute the remai...
by ruralavalon
Mon Aug 22, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 101
Views: 5329

Re: How do you view debt?

My two cents. Incurring debt is like spending money that I haven't earned yet. Carrying high interest debt is aweful, to be paid off rapidly at all costs even if it hurts. Our family home was a large old house, which needed a lot of fixing and updating when we bought it. We have never bought a brand...
by ruralavalon
Mon Aug 22, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Company's 401k junk and Trad IRA languishes - I want to fix now!
Replies: 17
Views: 957

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

Curious about #3 above. Why is it more beneficial to contribute to an IRA rather than max out the 401k first? What type of IRA? The 401k gives you the tax advantages up front. . . . . . I currently have a Traditional IRA, but am not sure of the merits of a Roth IRA at this point. ruralavalon, I wil...
by ruralavalon
Mon Aug 22, 2016 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Company's 401k junk and Trad IRA languishes - I want to fix now!
Replies: 17
Views: 957

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

Please see the wiki article "prioritizing investments". The priorities that often work best for many people are: 1) contribute enough to the 401ks to get the full employer match; 2) pay off any high interest debt; 3) contribute the maximum to IRAs for both spouses; 4) contribute the remain...
by ruralavalon
Fri Aug 19, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 17
Views: 1130

Re: Are all of these 401k options terrible?

In my opinion most of the funds offered are good, some are excellent. Only a few of the funds offered are poor choices in my opinion. so the vanguard EE benefit would be the fund that has similar returns to something like the vanguard total stock market (VTSMX)? Vanguard Employee Benefit Fund, ER 0....
by ruralavalon
Fri Aug 19, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter - 403b Options
Replies: 10
Views: 476

Re: Daughter - 403b Options

I looked at Morningstar for each fund. All of these funds have been in existence for over 20 years. Are you certain that it is Investor Shares that are offered? American Century Income and Growth Fund (BIGRX) 0.67 -- all-cap, value, turnover ratio 79%, heavy in technology American Century Equity Gro...
by ruralavalon
Fri Aug 19, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Daughter - 403b Options
Replies: 10
Views: 476

Re: Daughter - 403b Options

Ruralavalon - Thank you for your response. I neglected to say that she does max Roth IRA with Vanguard every year. What are the lowest expense ratio stock funds offered in her 403b? Large Company Value Fund, Income and Growth Fund? What share class, tickers and expense ratios? Since she is eligible...
by ruralavalon
Fri Aug 19, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Daughter - 403b Options
Replies: 10
Views: 476

Re: Daughter - 403b Options

In my opinion contributing $5.5k/yr to a Roth IRA at Vanguard should probably be her first choice before contributing to the American Century 403b.
by ruralavalon
Fri Aug 19, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: index funds
Replies: 3
Views: 429

Re: index funds

nick_bucchia wrote:Should index funds be put in tax-deferred accounts, or should that space be saved for something which is taxed more?

Index funds can be used in all types of accounts.

What is the reason that you want to use actively.managed funds? What actively managed funds are you considering?
by ruralavalon
Thu Aug 18, 2016 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 71
Views: 5817

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

also 5 morning stars(i just found out what these star ratings are) are 1. American Funds Washington Mutual Investors Fund Class R-6 2. TIAA-CREF Lifecycle Retirement Income Fund (Premier) 3. Western Asset Core Plus Bond Fund Class IS does this matter? The stars matter only a little. They are a meas...
by ruralavalon
Thu Aug 18, 2016 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 71
Views: 5817

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

In your old residency 401k, these look like the funds to consider using if you leave your account there: TIAA-CREF Equity Index Fund (Premier) (Russell 3000® Index, a total U.S. stock market index) (TCEPX), ER 0.20% TIAA-CREF International Equity Index Fund (Premier) (MSCI EAFE® index, large compani...
by ruralavalon
Thu Aug 18, 2016 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for single 32 year old
Replies: 50
Views: 3434

Re: Investment advice for single 32 year old

Found it. NY life has 3 money market funds that don't charge fees for buying them. Their total expense ratio is 0.87 and of course their return is essentially 0. I can set my account up so that any future contributions would be put into any of these funds. That seems like a better idea than letting...
by ruralavalon
Thu Aug 18, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: UPDATED INFO Fee only financial advisor has us in WAY too many funds - Looking for suggestions
Replies: 56
Views: 3939

Re: UPDATED INFO Fee only financial advisor has us in WAY too many funds - Looking for suggestions

With every purchase or exchange costing $49.99 in commission, I suggest that all the TD Ameritrade accounts be transferred to Fidelity. You can then make purchases of their very low expense ratio index funds. But if I'm only buying 3 funds, it only comes to $150 or am I missing something? But every...
by ruralavalon
Thu Aug 18, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: UPDATED INFO Fee only financial advisor has us in WAY too many funds - Looking for suggestions
Replies: 56
Views: 3939

Re: UPDATED INFO Fee only financial advisor has us in WAY too many funds - Looking for suggestions

Not sure I understand. If you mean all our other IRA's and the taxable account, they're all at TD Ameritrade At TD Ameritrade are you allowed to buy Admiral Shares of Vanguard funds with no additional fee, commission, or cost other than the expense ratio? At TD Ameritrade are you allowed to buy Fid...
by ruralavalon
Thu Aug 18, 2016 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 71
Views: 5817

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

ok, so i can move my old residency 401k to vanguard target retirement fund? old residency 401k plan has $27k. If possible, I'd roll over to Vanguard IRA. If not, roll over to new jobs 401k. Don't roll your old residency 401k over to anyplace until after you determine -- 1) what funds are offered in...
by ruralavalon
Thu Aug 18, 2016 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for single 32 year old
Replies: 50
Views: 3434

Re: Investment advice for single 32 year old

Found it. NY life has 3 money market funds that don't charge fees for buying them. Their total expense ratio is 0.87 and of course their return is essentially 0. I can set my account up so that any future contributions would be put into any of these funds. That seems like a better idea than letting...
by ruralavalon
Thu Aug 18, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio diversification recommendations
Replies: 3
Views: 451

Re: Portfolio diversification recommendations

I suggest transferring the Roth IRA at Franklin Templeton to Vanguard. Funds to consider using include: Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) ER 0.06% Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) ER 0.12% Vanguard Small-cap Value Index Fund Admiral Shar...
by ruralavalon
Thu Aug 18, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Debt Free - Now What
Replies: 37
Views: 3345

Re: Debt Free - Now What

Contribute to the TSP, invest in whichever fund(s) you dislike the least. If you can't decide, just use the G Fund.
by ruralavalon
Thu Aug 18, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for single 32 year old
Replies: 50
Views: 3434

Re: Investment advice for single 32 year old

Please keep us posted on how this works for you.

Did you open a SIMPLE IRA at Vanguard, or a traditional IRA, to receive the transferred money from NY Life?

In the NY Life SIMPLE IRA do they offer a money market fund that has no sales load?

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