Search found 9049 matches

by ruralavalon
Mon Dec 05, 2016 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: moving to Fidelity index funds ~ questions
Replies: 4
Views: 439

Re: moving to Fidelity index funds ~ questions

Welcome to the forum :) . I would not replace the bond allocation with emerging markets stock, high dividend stock, or any other type of stock fund. Fidelity U.S. Aggregate Bond Index Fund Premium Class (FXITX) is a good choice for your bond allocation. We have no accounts at Fidelity so I can't ans...
by ruralavalon
Mon Dec 05, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Dad's Retirement Account
Replies: 8
Views: 804

Re: Dad's Retirement Account

He could consider --
LifeStrategy Income Fund (VASIX) ER 0.12%, 20/80 stocks/bonds
Target Retirement Income Fund (VTINX) ER 0.14%, 30/70 stocks/bonds
Wellesley Income Fund Admiral Shares (VWIAX) ER 0.16%, 40/60 stocks/bonds
by ruralavalon
Mon Dec 05, 2016 9:29 pm
Forum: Investing - Theory, News & General
Topic: RMD vs 4% when Most of $$ in IRAs ?
Replies: 4
Views: 369

Re: RMD vs 4% when Most of $$ in IRAs ?

Tax law says the RMD must be taken. There is no requirement that the RMD must be spent. Thus, take the RMD as the law requires, spend what is needed out of it, and maintain the remainder of the RMD invested in a taxable account per the desired asset allocation of the total portfolio with overall ta...
by ruralavalon
Mon Dec 05, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investing portion of 170k settlement
Replies: 2
Views: 270

Re: Investing portion of 170k settlement

Welcome to the forum :) . I am a E5 in the USAF have 10 years left before i can retire from it. I have recently recieved a settlement of 170k. Its a settlement due to injury so it isnt taxed. I am thinking of investing it but I have no idea where to start. I plan on paying off all debt except for my...
by ruralavalon
Mon Dec 05, 2016 4:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 53
Views: 3553

Re: livesoft is almost at 50,000 posts...

livesoft wrote:Alright, thanks everybody!

I need to get a life ... :sharebeer

Congratulations :happy :happy :happy .
by ruralavalon
Mon Dec 05, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 23
Views: 1695

Re: Lost: Could really use some advice on our next round of financial goals

My two cents. 1) Make maximum contributions to the HSA. 2) Make maximum contributions to both 401ks. 3) Take that annual vacation. I would not advance pay a 4.125% 30 year fixed rate mortgage. That's good inflation protection, and not better than the rate of return to be expected from a balanced inv...
by ruralavalon
Mon Dec 05, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "Retirement?"
Replies: 38
Views: 2085

Re: How to define "Retirement?"

KlangFool wrote:
flyingaway wrote:There is no need for a standard definition for retirement in general. There is a need for one if you want to sell a retirement concept.


+1.

KlangFool

+ 2.

For me -- unemployed on purpose because we don't need more money, free to do what I want.
by ruralavalon
Sun Dec 04, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Roth ira [where to open]
Replies: 12
Views: 903

Re: Roth ira [where to open]

Vanguard or Fidelity are the low cost providers. Good luck with your investing, Dan Thanks My personal preference is Vanguard, because they have by far the largest selection of low expense mutual funds offered anywhere. If you have only a little money to invest, then start with the Vanguard STAR Fu...
by ruralavalon
Sun Dec 04, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: 20% Match on 401k.. sorta.
Replies: 25
Views: 2021

Re: 20% Match on 401k.. sorta.

This plan is not bad at all in my opinion.

The employer is not required to offer any employer match or contribution. I never had any employer match of any kind, and never had access to Vanguard funds of any type.
by ruralavalon
Sun Dec 04, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 6391

Re: FIRE how do you live now

It's not immediately obvious to most people what FIRE means. FIRE is "Financially Independent Retired Early." It's someone who has enough money to retire (and generally has retired early). Some FIRE folk are still working although they consider themselves retired -- they're just doing wha...
by ruralavalon
Sun Dec 04, 2016 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Go vs. Freedom Index Target Fund
Replies: 2
Views: 268

Re: Fidelity Go vs. Freedom Index Target Fund

Welcome to the forum :) . Based on my age (42), and the fact that I have between savings, my old and current 401Ks, about $115k, feel that I need to be as aggressive as possible to catch up. I welcome the forum's thoughts on what might be best route for this newbie investor :) In my opinion it's dan...
by ruralavalon
Sun Dec 04, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: comments on this 2 funds
Replies: 21
Views: 1115

Re: comments on this 2 funds

I still think that in your taxable account you should just stay with Vanguard 500 Index Fund Admiral Shares (VFIAX), which you already have in the taxable account. If you sell some or all of that to buy another fund you will have capital gains and probably incur unnecessary income tax liability. I s...
by ruralavalon
Sat Dec 03, 2016 9:06 pm
Forum: Investing - Theory, News & General
Topic: Article on expense ratios [effect on fund performance]
Replies: 5
Views: 414

Re: Article on expense ratios

Greetings: Does anyone have a link I can go to about how low and high ER affect a fund performance over 20 years or so? Thanks. Vanguard blog post, "Stopping the silent killer of returns" . Please see the table at the end of the post, "Cumulative impact of fees on ending wealth at va...
by ruralavalon
Sat Dec 03, 2016 2:37 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2016)
Replies: 5
Views: 645

Re: madsinger monthly report (November 2016)

Thanks, that's always very interesting.
by ruralavalon
Sat Dec 03, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 112
Views: 4265

Re: What percentage of international do you hold?

Vanguard now recommends between 30% and 50% international stocks. They would consider 20% too low. From Vanguard's Portfolio Watch tool " consider To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks." Springman: Can you provide a link to Vanguard's ...
by ruralavalon
Sat Dec 03, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth now = $0!!
Replies: 30
Views: 5809

Re: Net Worth now = $0!!

Congratulations :) .

Bernstein's The Four Pillars of Investing is an excellent choice for your further reading.
by ruralavalon
Fri Dec 02, 2016 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: add fund on my Brokerage Account?
Replies: 16
Views: 1257

Re: add fund on my Brokerage Account?

EDIT : got my xmas bonus 10k , this account I only have VFIAX all re-balance done with my roth/simple .. I changed my mind adding bonds on my brokerage acct :mrgreen: for my xmas bonus 10k ... how about buy VEXAX ? I still think that more Vanguard 500 Index Fund Admiral Shares (VFIAX) in your taxab...
by ruralavalon
Fri Dec 02, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

In order to maintain my 14% international stock, I'm struggling a bit to figure out a) how much I'd need to contribute purely to taxable to keep my same allocation %, or b) how i diversify more within the other accounts, in order to keep that international stock % consistent. I presume a) could be ...
by ruralavalon
Fri Dec 02, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

I wasn't trying to specify how many dollars you should contribute to the taxable account, I was only saying that dollars contributed the taxable account should first go to the international stock fund. In my opinion, for a long-term investor such as in a retirement account an intermediate-term bond ...
by ruralavalon
Fri Dec 02, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

I think that Schwab S&P 500 index Fund (SWPPX) ER 0.09% is a good choice for the HSAs. Any contributions to the taxable account should preferably first go to Vanguard Total International Stock Index Fund, because that's the only place you have international stocks. If you can't maintain the desi...
by ruralavalon
Fri Dec 02, 2016 12:10 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 112
Views: 4265

Re: What percentage of international do you hold?

We have international stocks at 25% of total stocks, using Vanguard Total International Stock Index Fund.

We have no international bonds.

sls239 wrote:Anyone have an updated chart? I'd be interested to see how much it changes.

I wonder about that too.
by ruralavalon
Thu Dec 01, 2016 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: need help choosing mutual funds for my 401a
Replies: 2
Views: 173

Re: need help choosing mutual funds for my 401a

Welcome to the forum :) . It's good to see that you have no debt other than the mortgage note. You have some nice funds offered in your 401a, you are fortunate. Age: 34 Desired Asset allocation: xx% stocks / xx% bonds – Should I use my age to figure out the percentage of bonds? I was thinking of usi...
by ruralavalon
Thu Dec 01, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: allocation question
Replies: 4
Views: 422

Re: allocation question

I don't use any international bond fund.

In my opinion that adds complexity and expense to a portfolio, with little or no readily apparent benefit.
by ruralavalon
Thu Dec 01, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: add fund on my Brokerage Account?
Replies: 16
Views: 1257

Re: Thinking .. Short or Intermediate Bond fund on my Brokerage Account?

got my xmas bonus 10k and need advice in what Bond to pic Vanguard Short-Term Investment-Grade Fund Investor Shares (VFSTX) Vanguard Intermediate-Term Investment-Grade Fund Investor Shares (VFICX) in this account I only have VFIAX, should I buy bonds or add the xmas bonus? Bonds in the taxable acco...
by ruralavalon
Thu Dec 01, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any no-risk investment option?
Replies: 22
Views: 1398

Re: Is there any no-risk investment option?

taomu wrote:I'd be satisfied with 5% annual profit.

A 5% annual profit is, not currently possible with a no risk investment.
by ruralavalon
Thu Dec 01, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: The new normal: 2%, 3%?
Replies: 72
Views: 4243

Re: The new normal: 2%, 3%?

The old figure used to be 4%. I don't think you can count on 4% (safely) these days. What figure are you using to calculate expected, reliable income from investments? My challenge is trying: 1) to figure out if people are talking about return rate or SWR or both (OP started by asking about return ...
by ruralavalon
Thu Dec 01, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Reading journey - where to next?
Replies: 16
Views: 1161

Re: Reading journey - where to next?

Having read Graham's Intelligent Investor, Malkiel's Random Walk, and Bernstein's Four Pillars, I'm looking for what to read next. I'm notably missing Bogle and Swedroe. But they both have so many books, and so I'm looking for recommendations. My commitment to indexing as a strategy as become stron...
by ruralavalon
Thu Dec 01, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Buidling a bond position gradually or instantly?
Replies: 5
Views: 548

Re: Buidling a bond position gradually or instantly?

flyingaway wrote:Not counting value change, I need about 4 years to build the bond position with new contribution only, but will try to do it in two years with some stock fund converting.

More reason in my opinion to change the asset allocation all at once rather than stringing it out.
by ruralavalon
Thu Dec 01, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: The new normal: 2%, 3%?
Replies: 72
Views: 4243

Re: The new normal: 2%, 3%?

The old figure used to be 4%. I don't think you can count on 4% (safely) these days. What figure are you using to calculate expected, reliable income from investments? The 4% withdrawal rate is very conservative, based on past returns including the period of the Great Depression, and based on a 30 ...
by ruralavalon
Thu Dec 01, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Buidling a bond position gradually or instantly?
Replies: 5
Views: 548

Re: Buidling a bond position gradually or instantly?

I suggest building the bond allocation all at once rather than stringing it out. At 3 years from retirement the greater risk for you is a stock market collapse. Most people expect that any effect of rising interest rates on bond values will be small and temporary, and ultimately beneficial for the l...
by ruralavalon
Thu Dec 01, 2016 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Aren't rising rates good for bond funds?
Replies: 14
Views: 1097

Re: Aren't rising rates good for bond funds?

You are correct. For the long-term investor higher interest paid on the bonds in a bond fund more than makes up for the temporary decline in bond fund share values.
by ruralavalon
Thu Dec 01, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Rotate out of bonds?
Replies: 18
Views: 3048

Re: Rotate out of bonds?

Has anyone on this forum read the article below? If so, I'd be interested in any comments you'd care to make. Thanks in advance. http://www.marketwatch.com/story/what-the-retirement-gurus-didnt-tell-you-about-that-balanced-portfolio-2016-11-29 The article is almost incoherent, they study only 16 ye...
by ruralavalon
Thu Dec 01, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k - proposed change
Replies: 10
Views: 668

Re: Fidelity 401k - proposed change

The lowest expense International Stock Fund is Fidelity Global Index FSGDX, ER 0.11%. Doesn't appear to be overly impressive. Fidelity Global ex-U.S. Index Fund Premium Class (FGDSX) ER 0.11% is a good international stock index fund, it's well diversified and covers large companies in both develope...
by ruralavalon
Wed Nov 30, 2016 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

The HSA offers two intermediate-term funds being the PIMCO fund and Schwab fund. My suggestion is PIMCO Total Return Administrative Class (PTTAX) ER 0.86%. Just a quick note, if you scroll on the PDF , the first couple of pages are their basic, or core offerings, but scroll a bit further and there ...
by ruralavalon
Wed Nov 30, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k - proposed change
Replies: 10
Views: 668

Re: Fidelity 401k - proposed change

Age 33 Single No Debt. Frugal and comfortable with risk. . . . . . 27 Fidelity funds are available through my employer, but only these seem attractive: 1. Fidelity 500 Index FXSIX. Expense ratio .035% 2. Fidelity Contrafund Pool. Expense ratio 0.43% 3. Baron Asset Inst'l BARIX. Expense ratio 1.04% ...
by ruralavalon
Wed Nov 30, 2016 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Only three VG funds in my 403 (b)
Replies: 17
Views: 1297

Re: Only three VG funds in my 403 (b)

There an excellent menu of funds offered in your 403b, far better than in most 403bs. US Stocks --> WFSPX Blackrock S&P 500 index fund Class K (ER 0.04) Int'l Stocks --> VG Developed Markets Index Admiral (VTMGX) (ER 0.09) US Bonds --> WFBIX Blackrock U.S Total Bond Index fund class K (ER 0.04) ...
by ruralavalon
Wed Nov 30, 2016 9:12 pm
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 35
Views: 2775

Re: What is a "standard" Small Cap tilt portfolio

Our domestic stocks are:
12.5%, Vanguard REIT Index Fund Admiral Shares (VGSLX)
27.5%, Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX)
60.0%, Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX)

The Morningstar style box is:
15/15/16
09/11/07
12/10/04
by ruralavalon
Wed Nov 30, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

Excellent, great advice ruralavalon, this is very helpful, thank you. To throw one final curveball, I've been investigating how I can use my HSA funds for tax-advantaged investments too. With our HSA, with Premera/UMB, we have the option to invest 100% of the total monies within our HSAs. As a fami...
by ruralavalon
Wed Nov 30, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

With regards to BrokerageLink, there is no fee for me to enable the capability, nor any annual fees. There are no fees associated with Fidelity funds, select iShares, Treasury Bonds, and I believe, a $7.95 fee per trade for other funds, such as Vanguard. Since there are no fees to use the Brokerage...
by ruralavalon
Wed Nov 30, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

duvallninja wrote: Myself and my wife are 34 and 32 respectively, with 2 young infants. The ultimate goal is to achieve a 70/30 allocation, . . . . . . . . For the remaining 70% of the allocation, is a solid strategy to allocate, for example, 56% to domestic, and 14% to international? (In my opinio...
by ruralavalon
Wed Nov 30, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: FIRE how do you live now
Replies: 56
Views: 6391

Re: FIRE how do you live now

Now that most of us are retired (money not an object)... Just curious, how did you come up with this statement (assumption) and can you cite references? I just interpreted this as being directed towards those who were FIRE, which by definition meant that they were retired or met their goals. (See s...
by ruralavalon
Wed Nov 30, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Thoughts
Replies: 10
Views: 1081

Re: Portfolio Thoughts

it looks like all admiral shares have the same expense ratio as ETF's. I can access all vanguard ETF's on etrade I guess the question is, is there any benefit to mutual funds over ETF's? the only benefit I can see is avoiding the $10 purchase fee that you get with ETF's. since I'm not investing eve...
by ruralavalon
Tue Nov 29, 2016 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Thoughts
Replies: 10
Views: 1081

Re: Portfolio Thoughts

Congratulations on your first child :) . any additional advice/thoughts is appreciated. Can you please add the fund names, tickers and expense ratios (ERs) of the funds offered in her 401k? That is necessary in order to give you any suggestions on changes to consider. What is the unrealized capital ...
by ruralavalon
Tue Nov 29, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

Direct Savings: ~$500,000 predominantly across 2 1% interest online savings accounts (Barclays, Ally Bank), and small sums kept in checking/instant savings. . . . . . Open taxable account for both of us, contribute $100,000 If you use $100k for retirement investing in a joint taxable account, then ...
by ruralavalon
Tue Nov 29, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a tax-efficient 70/30 asset allocation approach?
Replies: 38
Views: 2414

Re: Is this a tax-efficient 70/30 asset allocation approach?

Myself and my wife are 34 and 32 respectively, with 2 young infants. The ultimate goal is to achieve a 70/30 allocation, . . . . . . . . For the remaining 70% of the allocation, is a solid strategy to allocate, for example, 56% to domestic, and 14% to international? (In my opinion your desired asse...
by ruralavalon
Tue Nov 29, 2016 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: New To Bogleheads. Considering Roth IRA re-arrangement
Replies: 7
Views: 353

Re: New To Bogleheads. Considering Roth IRA re-arrangement

Green_98 wrote:retiredjg

I will learn and re-post. Thank you for direction.

And please include the expense ratios for funds.The expense ratios are critical in selecting funds to use. In a 401k the expense ratios are sometimes different than the ratios charged to the general public, so we can't just look them up.
by ruralavalon
Tue Nov 29, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Baby #3 On the Way
Replies: 10
Views: 689

Re: Portfolio Advice / Baby #3 On the Way

Thank you for telling me about this new fund. I went ahead and switched out the International holdings in her Roth IRA (traded Fidelity Global ex U.S. Index Fund Advantage Class (FSGDX) for Fidelity Total International Fund Premium Class (FTIPX). In the beneficiary IRA, the international holdings a...
by ruralavalon
Tue Nov 29, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Help
Replies: 7
Views: 306

Re: Investment Help

Questions: Spouse took a new job. What should we do with the old 401k? . . . . . Do you have any suggestions on the 401K allocations? . . . . . Modified the OP using the format you all suggested. Let me know if you want me to include anything else. You will have to add the fund names, tickers, and ...
by ruralavalon
Tue Nov 29, 2016 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: When is the best time to get into Bond Market?
Replies: 30
Views: 3304

Re: When is the best time to get into Bond Market?

Fidelity U.S. Bond Index Fund Premium (FSITX) has an average credit quality of AA, is a total bond market index fund, and lost about 3% in the 2008 crash. Fidelity Total Bond (FTBFX) is an actively managed fund, has a lower average credit quality of BBB, and lost 10% in the 2008 crash. Morningstar ...
by ruralavalon
Tue Nov 29, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: New To Bogleheads. Considering Roth IRA re-arrangement
Replies: 7
Views: 353

Re: New To Bogleheads. Considering Roth IRA re-arrangement

Welcome to the forum :) . It's good to see that you are debt free, and are frugal. That's a great start. It's a good idea to move away from Edward Jones and avoid the high fees. Age 33. Single. No debt. Very frugal but tolerant of high risk. Market corrections are buying opportunities in my mind. Ro...

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