Search found 7151 matches

by ruralavalon
Sun Feb 07, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help A 24-Year-Old Start Planning for Retirement
Replies: 19
Views: 954

Re: Help A 24-Year-Old Start Planning for Retirement

What is the interest rate on your auto loan? What is your marginal tax rate, both federal and state? About how much do you estimate that you can contribute to investing annually in the foreseeable future? If you keep 3 months of basic living expenses in savings as an emergency fund, then how much of...
by ruralavalon
Fri Feb 05, 2016 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 32
Views: 1528

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

Open an IRA for each of you, and contribute up to $5.5k each per year. I suggest using Roth IRAs, since you cannot fully deduct traditional IRA contributions. Thought I could only do 5.5K per year, whether it's split 1K in 5 accounts, or whatever. How many can I have a how much can I put in them? I...
by ruralavalon
Wed Feb 03, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: International index funds necessary?
Replies: 8
Views: 909

Re: International index funds necessary?

Hi all, I currently hold 3k in Vanguard's 2055 Target Date Fund. I have $5,500 to invest before April for 2015. I like index funds and the set-it-and-forget-it approach, but Vanguard's funds of funds all include international stocks/bonds. I have read that Bogle does not frequently invest in intern...
by ruralavalon
Wed Feb 03, 2016 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 32
Views: 1528

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

Also, is there an employer match offered in his 401k, and if so what is it? Is there an employer match offered in her 457, and if so what is it? About how much (total all accounts) do you think you might be able to add to investing annually during the foreseeable future? What is your marginal tax ra...
by ruralavalon
Wed Feb 03, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 32
Views: 1528

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

I just noticed that the link you gave lists the available funds in the her Deferred Compensation Program (DCP). In the DCP consider using these funds: Vanguard Institutional Index Institutional Plus (VIIIX) ER 0.02% American Funds EuroPacific Growth R6 (RERGX) 0.49% PIMCO Total Return Institutional ...
by ruralavalon
Wed Feb 03, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 32
Views: 1528

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

I agree that you should open IRAs at Vanguard, they have a very broad selection of low expense ratio funds to choose from. Open an IRA for each of you, and contribute up to $5.5k each per year. I suggest using Roth IRAs, since you cannot fully deduct traditional IRA contributions. What are the inves...
by ruralavalon
Wed Feb 03, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1345
Views: 276343

Re: What Book Are You Currently Reading? Part VI

Genius: The Life and Science of Richard Feynman, By James Gleick.

A good biography. The book covers both Feynman's very interesting personal life, and his contributions to physics (which I largely did not understand).
by ruralavalon
Sun Jan 31, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1345
Views: 276343

Re: What Book Are You Currently Reading? Part VI

Trawler Trash , by Ed Robinson. His wife has died and a middle-aged man cashes in his retirement fund, embezzles from his employer, buys a boat and heads for the British Virgin Islands to spread his wife's ashes on the beach where he had proposed to her. The Seminole Wars , by Joe Knetsch. Covers t...
by ruralavalon
Sat Jan 30, 2016 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard 457? [Access to both 403(b) and 457 plans]
Replies: 4
Views: 283

Re: vanguard 457? [Access to both 403(b) and 457 plans]

A 457 seldom has an employer match, so will often not be priority # 1, and instead will often be priority # 3. Getting any employer match offered in a 403b will still usually be priority # 1, especially if it is a governmental 403b. So I think the usual priority could be -- 1) contribute enough to t...
by ruralavalon
Sat Jan 30, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 4
Views: 358

Re: 401k Advice

In fund selection strive for a combination of broad diversification and low expense ratios. Priorities should probably be -- 1) In your 401k contribute just enough to get the full employer match each year. In your 401k use only -- JP Morgan Equity Index Fund Class A (OGEAX) ER 0.45% Does your spouse...
by ruralavalon
Sat Jan 30, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: First 401k
Replies: 8
Views: 554

Re: First 401k

Hello everyone. Been lurking for awhile and finally signed up. I'm 27 and in the 15% bracket and I'm just starting my first job with a 491k available. I have been contributing to a Roth IRA in the 2055 vanguard fund. My question: since I'm staring with 0 and only $50 a check or so will be going in,...
by ruralavalon
Sat Jan 30, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: How do I move my work 401k?
Replies: 14
Views: 789

Re: How do I move my work 401k?

^^^ For < $5K, it might be a good choice to move it to Vanguard. However, you should really check out your new employer's 401k plan first. While many plans have high expense options, that is not always true. Some plans even have expense ratios <= Vanguard. In such a case it is probably better to mo...
by ruralavalon
Sat Jan 30, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Making sense of my wife's 401(k)
Replies: 5
Views: 379

Re: Making sense of my wife's 401(k)

My wife has her 401(k) account through Schwab. I have always pretty much left fund choice in her 401(k) up to her (happy wife, happy life). Recently, she asked me to help her determine her asset allocation to make sure it's where it ought to be (guess she saw me doing all the reading). I sat down a...
by ruralavalon
Fri Jan 29, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: New to the site
Replies: 6
Views: 409

Re: New to the site

Fidelity Spartan® 500 Index Fund Investor Class(MUTF:FUSEX) 25% Fidelity Spartan® Total Market Index Fund Investor Class(MUTF:FSTMX) 25% Fidelity Spartan® International Index Fund Investor Class(MUTF:FSIIX) 25% Fidelity® Total Bond Fund(MUTF:FTBFX) 25% Am I on the right track?? Any guidance would b...
by ruralavalon
Fri Jan 29, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: 100% in VFIAX
Replies: 4
Views: 597

Re: 100% in VFIAX

Look at all of your retirement/long-term investing accounts together as a single unified portfolio. All of your taxable account in Vanguard 500 Index Fund Admiral (VFIAX) ER 0.05% is fine if your portfolio is well diversified overall with bond, international and small-cap funds in your other account...
by ruralavalon
Thu Jan 28, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Finally Getting Investments In Order - Help is Appreciated!
Replies: 8
Views: 892

Re: Finally Getting Investments In Order - Help is Appreciated!

I am posting on a tablet so cannot give you links. I can only tell you where you can look for more information. Asset allocation. Your desired asset allocation works out to: 10% bonds; 30% international stocks; and 60% domestic stocks. For your age (early 30s) I would suggest a minimum of 20% in bon...
by ruralavalon
Wed Jan 27, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1345
Views: 276343

Re: What Book Are You Currently Reading? Part VI

Mangrove Squeeze , by Laurence Shames. The woman who sells ads for the weekly paper in Key West wants to be a reporter. She thinks that all of the cheap T-shirt shops in Key West are run by Russian gangsters as a front for their criminal enterprises. Her amateur snooping gets her entangled with the...
by ruralavalon
Wed Jan 27, 2016 8:58 am
Forum: Investing - Help with Personal Investments
Topic: New investor - questions about which strategy to follow
Replies: 6
Views: 429

Re: New investor - questions about which strategy to follow

Welcome to the forum :) . It's good to see that you are debt free. I suggest that you read the wiki article "Bogleheads Investment Philosophy", to learn a bit of the basics. 1) I suggest starting with the three-fund approach. You can get more complex later if you wish. 2) At age 33 I sugge...
by ruralavalon
Wed Jan 27, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio/finance eval and recs
Replies: 4
Views: 359

Re: Portfolio/finance eval and recs

Welcome to the forum :) . The dog counts, just not for tax purposes. It looks like you are doing fine on saving ($23.5k per year) and fund selection. It's good to see that you have no consumer debt. Check your tax rate, there is no 19% federal tax bracket. I vote for using that extra money to pay of...
by ruralavalon
Wed Jan 27, 2016 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Finally Getting Investments In Order - Help is Appreciated!
Replies: 8
Views: 892

Re: Finally Getting Investments In Order - Help is Appreciated!

Is the 457b a governmental plan or a non-governmental plan? (Since at ICMA-RC I would assume governmental, but I don't want to just assume.) Is your wife also employed there and covered by the same plan? Are you eligible for pensions? Are other work-based plans such as a 401k, TSP, or 403b also offe...
by ruralavalon
Tue Jan 26, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Youngish Guy behind in investing, I need guidance
Replies: 4
Views: 626

Re: Youngish Guy behind in investing, I need guidance

Welcome to the forum :) . It's great that you are starting young, are almost debt free, and recognise the importance of a high savings rate. With about $140k in savings and investments you are already far ahead of your contemporaries. You could start with reading the wiki article on "getting st...
by ruralavalon
Sun Jan 24, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Downturn in the Market
Replies: 33
Views: 3051

Re: Downturn in the Market

I was waiting for my stock funds to drop another 2% before rebalancing from bonds to stocks. I am wondering, did I miss the boat?
by ruralavalon
Sun Jan 24, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 51
Views: 3595

Re: Vanguard Store Items

stratton wrote:Bogleheads pay to be "mugged" by Vanguard.

:P

Paul

Funny, :D :D :D
by ruralavalon
Sat Jan 23, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: stick with employer-sponsored 401K or roll over to Ameriprise IRA?
Replies: 9
Views: 626

Re: stick with employer-sponsored 401K or roll over to Ameriprise IRA?

No, do not transfer your 401k or 457 accounts to Ameriprise. Transfer your Ameriprise account to a low cost provider like Vanguard or Fidelity. That 1% fee will devastate your long-term returns. What low expense ratio funds are offered in your 401k and 457 plans? If decent low expense ratio funds ar...
by ruralavalon
Fri Jan 22, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k, need input on AA
Replies: 5
Views: 255

Re: New 401k, need input on AA

In your 401k what are the expense ratios charged for these funds? Vanguard Total International Stock Market Index Fund Investor Shares VGTSX Vanguard Small-Cap Index Fund Investor Shares NAESX PIMCO Total Return Bond Fund Class Q PTRQX PIMCO Income Fund Institutional Class PIMIX Sometimes the expens...
by ruralavalon
Thu Jan 21, 2016 6:03 am
Forum: Investing - Help with Personal Investments
Topic: So many Choices!!
Replies: 18
Views: 1708

Re: So many Choices!!

The performance table in the Morningstar link for the State Street S&P 500 Fund shows that it closely tracks the S&P 500 Index minus the expense ratio. I still think it's the fund to use in your 401k. It's important to have the full picture, and not just focus on one account in isolation. Wh...
by ruralavalon
Thu Jan 21, 2016 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Move to Bonds?
Replies: 18
Views: 1855

Re: Move to Bonds?

Do you have a 401k, 403b or some other work-based account?
by ruralavalon
Wed Jan 20, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1345
Views: 276343

Re: What Book Are You Currently Reading? Part VI

Night Vision , by Randy Wayne White. A Doc Ford adventure novel, involving the kidnapping of a young Guatemalan girl. This is a great story. Florida's Civil War Battles , by Stephen Webb. I was not aware that there was significant Union sentiment in Florida during the Civil War, or that significant...
by ruralavalon
Wed Jan 20, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: So many Choices!!
Replies: 18
Views: 1708

Re: So many Choices!!

Welcome to the forum :) . Please use the asking portfolio questions format for best advice. It's important to have the full picture, and not just focus on one account in isolation. I don't have a match, I am contributing enough to max out the 18,000 401k limit. I have already contributed to Roth in ...
by ruralavalon
Wed Jan 20, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: move funds from old 401(k) to new one
Replies: 10
Views: 558

Re: move funds from old 401(k) to new one

. . . . . VTSAX on the other hand has had some serious fluctuation as of late. If the timing is very bad, I can at least hold out for a little while. I am not talking about waiting a year, maybe a month at most. What will you do a month from now if the stock market is still far down? What sign will...
by ruralavalon
Mon Jan 18, 2016 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Adding a Bond Fund
Replies: 2
Views: 342

Re: Adding a Bond Fund

What accounts do you have and what funds currently being used in each account? What is your desired asset allocation? What other funds (fund names, tickers & expense ratios) are offered in your 403b? Please see the post "asking portfolio questions" for format. PIMCO Total Return Instit...
by ruralavalon
Mon Jan 18, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Son starting out wants to use company 401k
Replies: 9
Views: 810

Re: Son starting out wants to use company 401k

Son is 25 he is in a target 2050 for now. its BlackRock life path index 2050. He just started working for Pepsi. Any advice. What is the expense ratio of that fund? In my opinion he should contribute as much as can each year. BlackRock LifePath funds are good funds, and a big benefit of using a 401...
by ruralavalon
Mon Jan 18, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: How can I improve this portfolio? Please advise.
Replies: 37
Views: 4291

Re: How can I improve this portfolio? Please advise.

Thank you krow36. They are: VMVAX (Vanguard mid-cap Value) —$4,700 loss VHT (Vanguard Healthcare ETF) ––$1,500 loss POGRX (Primecap Odyssey Growth) ––$3,200 loss SCHH (Schwab Reit) ––$1,800 gain, long term. If you want to switch to a 50/50 asset allocation then now would be a reasonable time to do ...
by ruralavalon
Sun Jan 17, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: How can I improve this portfolio? Please advise.
Replies: 37
Views: 4291

Re: How can I improve this portfolio? Please advise.

I am thinking of selling below to buy more VBTLX: all VMVAX (Vanguard mid-cap Value) ––more than 11% loss. -- 10.5% of my total portfolio all VHT (Vanguard Healthcare ETF) ––about 10% loss. -- 4 % of my total portfolio POGRX (Primecap Odyssey Growth) –– 6% loss -- 16.7 % of my total portfolio (want...
by ruralavalon
Sat Jan 16, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me about Expected Family Contribution for college
Replies: 59
Views: 3328

Re: Tell me about Expected Family Contribution for college

rfowler had a very nice discussion: (1) save what you can; (2) good grades to strive for merit scholarships; (3) for low expense use good quality in-state public universities; (4) cash flow the rest; and (5) no student loans. Same for MnD : (1) save; (2) merit aid if you can get it; (3) the best in...
by ruralavalon
Sat Jan 16, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4655

Re: What's your company 401k contribution

Skylab wrote:Hello Bogleheads,

Long time lurker chiming in. My company offers a 100% match up to 18k this year which vests immediately. However, there is no match on catch up contributions.

Welcome to the forum :) .

That's an excellent employer match, you are fortunate.
by ruralavalon
Sat Jan 16, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Wedding anniversary in Maui
Replies: 24
Views: 2204

Re: Wedding anniversary in Maui

The drive to Hana and back is a full day excursion. It's almost a full day to drive to the top of Haleakala and back. On West Maui there is good snorkeling from Ka'apapali beach near the Sheraton Blackrock Hotel and much further north at Honolua Bay. You can get to Honolua Bay with a snorkel boat to...
by ruralavalon
Sat Jan 16, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: New To Investing -- Some Questions & Help With Allocations Please
Replies: 16
Views: 1083

Re: New To Investing -- Some Questions & Help With Allocations Please

Everyone else has given me a lot to think about. I am leaning towards this as an allocation for the next eight years: 85% STOCKS 55% Vanguard Total Stock (VTI) 8% Vanguard REIT (VNQ) 22% Vanguard Total International Stock (VXUS) 15% BONDS 7.5% Vanguard Intermediate-Term Bond (BIV) 7.5% Vanguard Int...
by ruralavalon
Fri Jan 15, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is this bad 403B even worth doing?
Replies: 5
Views: 303

Re: Is this bad 403B even worth doing?

More information is needed. What is your age? About how long do you expect that you might continue to work for this company? What is your marginal tax rate, both federal and state? Please just add this to your original post using the edit button, it helps a lot if all of your information is in one p...
by ruralavalon
Fri Jan 15, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me about Expected Family Contribution for college
Replies: 59
Views: 3328

Re: Tell me about Expected Family Contribution for college

If you earn a lot of money your child will not receive financial aid.

Avoid loans like the plague.

Have your child strive for merit based scholarships.
by ruralavalon
Fri Jan 15, 2016 11:08 am
Forum: Investing - Help with Personal Investments
Topic: New To Investing -- Some Questions & Help With Allocations Please
Replies: 16
Views: 1083

Re: New To Investing -- Some Questions & Help With Allocations Please

Welcome to the forum :) . It's always good to see someone starting young in investing, and using low expense index funds. . . . . . . What is your age? What is your marginal federal tax rate? This will be important when you are deciding what to do about that $20k in Oracle stock. If your tax bracket...
by ruralavalon
Thu Jan 14, 2016 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: New Taxable Account - Looking for Advice
Replies: 14
Views: 1502

Re: New Taxable Account - Looking for Advice

It looks like you have some very nice fund choices offered in your 401k. Does the Equity Index Fund track the S&P 500 Index? Does the U.S. Bond Index track Barclays Aggregate U.S. Bond Index? Does the international fund track the MSCI ACWI Ex-U.S. IMI Index? Please let me know. That is what I a...
by ruralavalon
Thu Jan 14, 2016 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Caterpillar Company investment
Replies: 48
Views: 3990

Re: Caterpillar Company investment

Leeraar wrote:
patrick013 wrote:Caterpillar and Deere are similar. Both having down
years and both are farming necessities.
What does CAT have to do with farming?

L.

Caterpillar does manufacture both track and wheeled agricultural tractors, as well as combines.
by ruralavalon
Thu Jan 14, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4655

Re: What's your company 401k contribution

How much (total percent of your compensation) does your employer contribute to your 401k? Mine contributes 6% right now plus a pension. The pension will be frozen in a few years and then they'll contribute 10% of our income into a 401k. Of course, the employee is required to throw something in, too...
by ruralavalon
Thu Jan 14, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard Index funds?
Replies: 17
Views: 1844

Re: TSP or Vanguard Index funds?

I see no real downside to transferring that traditional IRA to the Thrift Savings Plan. The TSP very low expense ratio index funds are enough to create a very diversified portfolio in whatever asset allocation you wish. If you want some sort of fund not covered by what the TSP offers, you have your ...
by ruralavalon
Thu Jan 14, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question
Replies: 2
Views: 329

Re: Asset allocation question

Having recently sold a bunch of stock to TLH, and having just sold my investment property, I'm currently holding about 55% in cash. This was lucky for me because I missed a good chunk of the recent downturn, but I have to put the money to work. This is the allocation I'm thinking of going with: equ...
by ruralavalon
Thu Jan 14, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Caterpillar Company investment
Replies: 48
Views: 3990

Re: Caterpillar Company investment

As to the calls to index. I should add that all my tax advantaged funds are all Vanguard index funds. I also have 3 Vanguard index funds outside of my tax differed funds. I put + 90% of my investing into the Vanguard index funds (I own no other funds). I am an Indexer!!! That having been said, the ...
by ruralavalon
Thu Jan 14, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2678
Views: 531274

Re: U.S. stocks in freefall

The market in free fall again!!! . . . . . Instead of trying to figure out which direction the market will move, I'm simply going to continue my automatic investments every pay period. I'll also increase my savings rate as my income increases, as I have done every year. I only started my investing j...

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