Search found 11267 matches

by ruralavalon
Thu Oct 19, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Intro and questions
Replies: 11
Views: 922

Re: Intro and questions

Debt. Emergency Fund: Yes, 18,500 in savings @ .28% IR, 7,750 in checking. Debt: 30,000 Home mortgage - 3.625% IR. 8,800 Auto loan - 2% IR. About how many months of basic living expenses would be covered by that $28k in checking and savings? In my opinion the interest rates are not high enough to m...
by ruralavalon
Thu Oct 19, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 150
Views: 22711

Re: Sitting on cash....Waiting for a crash

Is there any Bogleheads out there that has decided to hold onto cash right now since valuations are so high and interest rates are so low? I know that the 'Bogle' answer is to stay the course and just keep eating my allocation plan for breakfast. But it just feels so foolish right now to put money ...
by ruralavalon
Thu Oct 19, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Intro and questions
Replies: 11
Views: 922

Re: Intro and questions

His 401K 25% Vanguard IRA (new account - just funded and uninvested)<br/> 1% John Hancock - (recently depleted to fund VG account) Company contributes 3% - split in thirds: JH Multimanager Balanced Lifestyle Portfolio - JILBX 1.05% exp. ratio EuroPacific Grownt Fund - RERFX 1.09% exp. ratio T. Rowe...
by ruralavalon
Thu Oct 19, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor - Introduction
Replies: 8
Views: 551

Re: New Investor - Introduction

Should I add VG Small and/or Midcap funds to supplement my domestic equity since I don't have access to a total stock market index? I was originally planning on using a 3-fund split between S&P/International/Bonds. Some people do that. In my opinion it's not worth the effort. I use TSM and SP500 fu...
by ruralavalon
Wed Oct 18, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help on simplifying my portfolio
Replies: 24
Views: 1388

Re: Help on simplifying my portfolio

Asset allocation. Age: 41/41 Desired AA: 90 Stocks/10 Bonds (maybe to aggressive) Desired International: 20% of Stocks (not sure the right amount) Desired REIT: 10% o stocks In my opinion as asset allocation around 25-30% bonds would be more reasonable. In my opinion 20% of stocks in international ...
by ruralavalon
Wed Oct 18, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving American Funds Roth IRA in (Class A Shares Growth Fund).
Replies: 10
Views: 612

Re: Leaving American Funds Roth IRA in (Class A Shares Growth Fund).

I want to leave (American Funds) and transfer my Roth IRA (Growth Fund of America Class A Shares) to Vanguard . I wanted to know what Index Fund would be good to have and buy into ? I'm 36 years old and the account currently has $4,000 in it . I would appreciate some advice . My objective of this a...
by ruralavalon
Wed Oct 18, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3476

Re: Windfall and advice

Thank you. Would anyone care to weigh in on putting the whole thing in the market now versus spreading it out/DCA? Lots of talk about "full valuation" etc. However, target retirement is quite a bit away for me. How significant is the "windfall", in the overall scheme of things. For example, is it 2...
by ruralavalon
Wed Oct 18, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Intro and questions
Replies: 11
Views: 922

Re: Intro and questions

To all who have posted so far, thank you. I have posted additional information as requested and look forward to comments based on the more complete overall picture. What happened to the 15% cash that was in a taxable account? What additional funds are offered in her 401k, beyond those she is curren...
by ruralavalon
Tue Oct 17, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2616
Views: 833855

Re: What Book Are You Currently Reading? Part VI

Commerce of the Prairies , by Josiah Gregg. This book is a first person account of the author's trading activities in the 1830s in New Mexico and Northern Mexico. He describes travel on the Santa Fe trail and to Chihuahua, the geography and weather of the regions, agriculture and stock raising, cus...
by ruralavalon
Mon Oct 16, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Bond ETFs
Replies: 2
Views: 313

Re: Advice on Bond ETFs

Welcome to the forum :) . US citizen living overseas, I am limited to investing in ETFs. I wish to invest part of my available capital in bond ETFs, as I'm currently over concentrated in equities (mostly US). I've selected two ETFs that look pretty good a) iShares core total US Bond ETF - IUSB and b...
by ruralavalon
Mon Oct 16, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5578

Re: How does everyone keep track of your portfolio?

I created an excel spreadsheet with all of my fund/portfolio information. This includes the account (taxable, Roth, 401K, 403b etc), ticker, fund name, unit price, basis, amount, and expense ratio. Because I have several accounts, this has been really helpful for me to look at everything on one pag...
by ruralavalon
Mon Oct 16, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Pulling the trigger on rebalancing/simplification of my 401k
Replies: 3
Views: 259

Re: Pulling the trigger on rebalancing/simplification of my 401k

Over the past 25 years my 401K had frayed into 12 different funds - including 4 separate target funds, a couple different midcaps, etc. I pulled the trigger on re-balancing to try to emulate the "three fund" approach. This is what I went with - does this seem reasonable - any red flags? I am 52 loo...
by ruralavalon
Mon Oct 16, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving American Funds Roth IRA in (Class A Shares Growth Fund).
Replies: 10
Views: 612

Re: Leaving American Funds Roth IRA in (Class A Shares Growth Fund).

Welcome to the forum :) . That's a very good move to rollover your Roth IRA from American Funds to Vanguard. I want to leave (American Funds) and transfer my Roth IRA (Growth Fund of America Class A Shares) to Vanguard . I wanted to know what Index Fund would be good to have and buy into ? I'm 36 ye...
by ruralavalon
Mon Oct 16, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Questions
Replies: 13
Views: 706

Re: 403b Questions

Thank you all! I went with fidelity. There were no added fees like the aspire or kades margolis ones. I decided to go with Fsitx Us bond index fund .05% and it will be 20% of the portfolio Fusvx--Us 500 index fund .045% and it will be 60% of the portfolio and Fsivx--international index fund .08% an...
by ruralavalon
Mon Oct 16, 2017 5:25 am
Forum: Investing - Help with Personal Investments
Topic: a question about selecting investments for 401k
Replies: 8
Views: 477

Re: a question about selecting investments for 401k

Welcome to the forum :) . I reluctantly signed up for my company sponsored ROTH 401k plan managed by Vanguard in November 2014. I don't understand investing and only signed up for the company match. I don't know how to pick an investment but I picked VINIX because it had a low fee (.04) and a decent...
by ruralavalon
Mon Oct 16, 2017 4:25 am
Forum: Investing - Help with Personal Investments
Topic: First time poster:NEED HELP! We are total newbies and late to the game*updated
Replies: 31
Views: 2245

Re: First time poster:NEED HELP! We are total newbies and late to the game*updated

Welcome to the forum :) . It's good to see that you are debt free, other than the mortgage note which is almost paid off. You have some very good funds offered in your 401k, you are fortunate. Asset allocation. In my opinion your desired asset allocation of 70/30 is "fairly aggressive" at age 50 and...
by ruralavalon
Sun Oct 15, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating Total US Stock Market With Funds in My 401k
Replies: 3
Views: 302

Re: Approximating Total US Stock Market With Funds in My 401k

Hi all, I'm reviewing my asset allocation in my 401k and am attempting to come as close as I can to replicating the total US market with the low cost index funds available in my 401k. My investing horizon is more than 25 years. My desired asset allocation: 60% US Stock 30% International Stock 10% B...
by ruralavalon
Sun Oct 15, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Ready to take the Taxable Account plunge!
Replies: 10
Views: 1406

Re: Ready to take the Taxable Account plunge!

Welcome to the forum :) . It's good to see that you are debt free. You are off to a good start. Asset allocation. Age: 32 Desired Asset Allocation: Currently 80/20 Desired International: Currently makes up about 10% of my 80/20 makeup In my opinion your desired 80/20 asset allocation is within the r...
by ruralavalon
Sun Oct 15, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Help on simplifying my portfolio
Replies: 24
Views: 1388

Re: Help on simplifying my portfolio

It is important to know who owns each account. Who owns each of the three Roth IRAs? You said yours is Vanguard, and hers is T. Rowe Price. Who owns the Fidelity Roth IRA? Also what percentage of the portfolio is in each of the Roth IRAs? I assume that all taxable accounts are joint accounts. Is tha...
by ruralavalon
Sun Oct 15, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Two 401k Plans - which to contribute to?
Replies: 12
Views: 664

Re: Two 401k Plans - which to contribute to?

Contribute enough to the Merrill Lynch 401k to get the full employer match, and put the rest of the $18k employee contribution maximum in the TSP.
by ruralavalon
Sat Oct 14, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help on simplifying my portfolio
Replies: 24
Views: 1388

Re: Help on simplifying my portfolio

Yes, I can rollover my old one to my current 401k; but the one thing that holding me back is the company stock fund that is available there. Its been a bad year, and would like to wait a little bit to re-balance before roiling over. I don't understand, please elaborate. I don't see how the company ...
by ruralavalon
Sat Oct 14, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help on simplifying my portfolio
Replies: 24
Views: 1388

Re: Help on simplifying my portfolio

It looks like these may be the funds to consider using in her current 401k plan (18% of total). Can you provide links to the fact sheets for these funds in her current 401k? State Street S&P Index Fund ER 0.14% State Street Global Equity ER 0.18% State Street U.S. Bonds ER 0.15% What is the index us...
by ruralavalon
Sat Oct 14, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help on simplifying my portfolio
Replies: 24
Views: 1388

Re: Help on simplifying my portfolio

Will his current 401k accept rollovers from his old 401ks?

His current 401k offers good funds with low expense ratios, so consolidating his old 401ks there would make sense as a way to simplify.
by ruralavalon
Sat Oct 14, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to diversify investments
Replies: 9
Views: 844

Re: Looking to diversify investments

Vanguard Total International Stock Index Fund is very tax-efficient., and so.is a good fund to use in your Vanguard taxable brokerage account.
by ruralavalon
Sat Oct 14, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Please help a rookie with my portfolio
Replies: 8
Views: 791

Re: Please help a rookie with my portfolio

Thanks for the reply. I'll try to answer some of the questions. I think that your portfolio could be much simpler, no wonder you are on the verge of analysis paralysis. Some additional information is needed. What are the expense ratios of the funds you are using in his 401k? What is the fee charged...
by ruralavalon
Sat Oct 14, 2017 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard make sense without a computer ?
Replies: 22
Views: 2267

Re: Does Vanguard make sense without a computer ?

I think I've been successful advising a relative to move from Edward Jones to Vanguard, however.... their computer/internet skills are poor at best. Computer security... forget it. This person is mid-age and has full cognitive abilities... however computer usage is limited to email and facebook whi...
by ruralavalon
Sat Oct 14, 2017 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Looking to diversify investments
Replies: 9
Views: 844

Re: Looking to diversify investments

It's good to see that you are making the maximum contributions to your TSP account. Emergency funds: I have a year worth of expenses allocated. Debt: Car Loan ~$23k 0% interest Tax Filing Status: Single Tax Rate: 25% Federal ( I think), 0% State State of Residence: FL Age: 27 Desired Asset allocatio...
by ruralavalon
Sat Oct 14, 2017 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Prioritizing among tax-advantaged accounts
Replies: 7
Views: 695

Re: Prioritizing among tax-advantaged accounts

That's a nice problem to have, multiple plans available with good fund choices. Are you planning a possible early retirement? If so that moves the 457 plan higher up the priority list. What are the 3-5 best funds in the 457 plan? Please give fund names, tickers and expense ratios. Does the 403b plan...
by ruralavalon
Sat Oct 14, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Help on simplifying my portfolio
Replies: 24
Views: 1388

Re: Help on simplifying my portfolio

Welcome to the forum :) . It's good to see that you are debt free, other than the mortgage note. You have some good funds offered in the current 401ks, you are fortunate. In my opinion at age 41 an asset allocation around 25-30% in bonds would be more reasonable. In my opinion 20% of stocks in inter...
by ruralavalon
Sat Oct 14, 2017 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k Fund selection
Replies: 12
Views: 749

Re: Help with Fidelity 401k Fund selection

Welcome to the forum :) . I'm trying to be smarter about my money and I was looking through the investment options available to me, and there are a few with low fees: - Large Cap - VANGUARD INST INDEX (VINIX) with .04% fee - Mid-Cap - VANG EXT MKT IDX INS (VIEIX) with a .06% fee - Bonds - VANG TOT B...
by ruralavalon
Sat Oct 14, 2017 5:01 am
Forum: Investing - Help with Personal Investments
Topic: Please Criticize my Funds.
Replies: 28
Views: 2200

Re: Please Criticize my Funds.

In my opinion it is not a good idea to use a balanced fund, like a target retirement fund, in some accounts while using regular funds in other accounts. The major advantage of a target retirement fund is that it can be a single fund all-in-one portfolio, which requires no attention or management by ...
by ruralavalon
Sat Oct 14, 2017 4:45 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 882358

Re: What Movie Have You Recently Watched?

Death in Paradise , available on Netflix. This is a BBC television series of 40 one-hour episodes, murder mysteries set in the British Virgin Islands and solved by a group of four police officers. We are about halfway through the series. This series is addictive, very good. We really enjoyed the fi...
by ruralavalon
Fri Oct 13, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Please help a rookie with my portfolio
Replies: 8
Views: 791

Re: Please help a rookie with my portfolio

It's good to see that you are debt free, other than the mortgage note, and largely using low expense ratio mutual funds in your accounts. You are doing well for a rookie. In my opinion your desired asset allocation of 70/30 is within the range of what is reasonable at ages 40 and 43. Also your desir...
by ruralavalon
Fri Oct 13, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: What to do with fairly large amount of money in "maybe" house fund?
Replies: 5
Views: 815

Re: What to do with fairly large amount of money in "maybe" house fund?

We live in the SF Bay Area. We've saved an amount of cash for a down payment based on a hypothetical house purchase based on what we'd want and what we could afford if we were to buy today. That means about a $700k condo, so we have saved $150k in cash that's sitting currently in an online savings ...
by ruralavalon
Fri Oct 13, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Large lump sum-how to invest
Replies: 5
Views: 620

Re: Large lump sum-how to invest

Welcome to the forum :) We just received a large payout on a property sale. We have approximately $220k on hand with a $380k new mortgage. Should we focus on paying down the new mortgage as fast as possible or invest the $220k? And if stocks are a good idea, lump sum or DCA? More information is need...
by ruralavalon
Fri Oct 13, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Have some savings doing nothing, how to invest?
Replies: 6
Views: 905

Re: Have some savings doing nothing, how to invest?

Was originally planning on remodeling the house but those plans are now canceled. We have roughly $100k sitting in a savings account doing nothing. We want to put into this our core four lazy portfolio now. With the US markets at all-time highs and our US total stock market allocation at close to 5...
by ruralavalon
Fri Oct 13, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: New Investor - Introduction
Replies: 8
Views: 551

Re: New Investor - Introduction

Welcome to the forum :) . In my opinion a 60/40 asset allocation for your house down payment money, 5-10 years away, is reasonable. I suggest that you consider having your Roth IRA and taxable account at Vanguard, so you can use the more diversified Vanguard Total International Stock Index Fund. Sch...
by ruralavalon
Fri Oct 13, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 403b vs. simplicity?
Replies: 11
Views: 511

Re: Vanguard 403b vs. simplicity?

Welcome to the forum :) . For reasons too complicated to get into, my (large nonprofit state-affiliated) employer offers both a 403b (which can be serviced at Vanguard) and a 401k at Merrill Lynch. Only the ML 401k has a match. Up to this point, I've contributed up to the match in the ML 401k, and t...
by ruralavalon
Fri Oct 13, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTI
Replies: 16
Views: 1345

Re: VTSMX vs. VTI

I agree that you should not pay any commissions because Fidelity has good options. You got some good answers about mutual funds vs ETFs. But part of your initial question was about expense ratios. FSTMX = Fidelity total market index fund, investor class ($2,500 minimum, 0.09% expense ratio) FSTVX =...
by ruralavalon
Fri Oct 13, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Diversify IRAS?
Replies: 3
Views: 156

Re: Diversify IRAS?

Hey all, currently have a Roth IRA through Vanguard that told TR 2060 with around 19k in it. My job recently implemented a SIMPLE Ira. I'm going to put $200 a month in and employer will match 100% of it. Currently i have my holding in their form of TR 2060, so essentially the same as my Vanguard Ro...
by ruralavalon
Thu Oct 12, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Accnt Help please!
Replies: 8
Views: 358

Re: 401K Accnt Help please!

:D I just added more info. I am happy to find such a great place to ask many of my questions. Thanks! It's good to see that you are debt free. You didn't indicate a desired asset allocation. At age 53 and 12-14 years to retirement I suggest around 40% in bonds. I suggest around 20-25% of stocks in ...
by ruralavalon
Thu Oct 12, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Accnt Help please!
Replies: 8
Views: 358

Re: 401K Accnt Help please!

Welcome to the forum :) . You have many good funds offered in your 401k, you are fortunate. Go to the "getting started" wiki article and start reading. The link is below. . . . . . Some additional information would be helpful. Do you have any debt? If so what types, amounts and interest rates? What ...
by ruralavalon
Thu Oct 12, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2022

Re: Are we taking too much risk with Bonds in our AA?

BLACKROCK U.S. DEBT INDEX M BUDFM (Barclays U.S. Aggregate Bond Index) ER 0.03%
by ruralavalon
Thu Oct 12, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating total international fund (Difference between VSS and SCHC?)
Replies: 4
Views: 384

Re: Approximating total international fund (Difference between VSS and SCHC?)

Most of my international holdings are in the I fund in the TSP. I am trying to figure out the best way to approximate the total international market, as well outlined in the Wiki (https://www.bogleheads.org/wiki/Approximating_total_international_stock_market). I would like to buy small cap and emer...
by ruralavalon
Thu Oct 12, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Please Criticize my Funds.
Replies: 28
Views: 2200

Re: Please Criticize my Funds.

Can anybody please comment about my taxable account? It has bonds on it. I just learned from this site to keep bonds on tax differed accounts. Sell the LifeStrategy fund and buy Total Stock Market. Roth IRA at Vanguard -- 10% 5% ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.04%...
by ruralavalon
Thu Oct 12, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Reallocation
Replies: 3
Views: 179

Re: 401k Reallocation

what would be your advice to reallocate to: My available choices are listed below, 20 years to retirement, and lets just assume I have no other investment assets. Thanking in advance! " . . . let's just assume . . ."???? Is that assumption accurate? Even if accurate, that's not a lot of information...
by ruralavalon
Thu Oct 12, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3476

Re: Windfall and advice

Hello all, I would love some advice from anyone who has time. Portfolio is below. However, it will grow significantly do to a 7 figure windfall. I am strongly considering going with a low fixed fee passive advisor such as EAM or Cardiff. Reasons being, job requires significant time and I am afraid ...
by ruralavalon
Thu Oct 12, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Intro and questions
Replies: 11
Views: 922

Re: Intro and questions

Welcome to the forum :) In my opinion it was a very good idea to do an in-service rollover from the Hancock 401k to the Vanguard IRA. Debt: 30,000 Home mortgage. 8,800 Auto loan. What are the interest rates on these loans? If the interest rates are high then paying off the debt may be a good "invest...
by ruralavalon
Thu Oct 12, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Participant Fee Disclosure
Replies: 6
Views: 511

Re: Participant Fee Disclosure

The new DOL rule applies to brokers and advisors and their interaction with asset management including 401k plans. The new DOL rule would state that the participant should leave the money in the 401k plan unless the advisor/broker can show reason that it is better outside of the plan in an IRA. For...