Search found 10097 matches

by ruralavalon
Thu Apr 27, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2276
Views: 664426

Re: What Book Are You Currently Reading? Part VI

When younger my Spanish was good enough to read in that language, and I read parts in Spanish then. I have now read the entire novel in English. Do you remember which translation? How well does it hold up in translation. I always feel I am experiencing translated works through a gauze. That's why I...
by ruralavalon
Thu Apr 27, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2276
Views: 664426

Re: What Book Are You Currently Reading? Part VI

The Lost City of Z, by David Grann.

The story of English explorer Percy Harrison Fawcett's obsession with a lost civilization in the Amazon, where he disappeared in the 1920's, and the attempts to learn what happened to him. This story is very interesting.
by ruralavalon
Thu Apr 27, 2017 5:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 4894

Re: Vanguard New Lower ER .04%

Those two Vanguard US market funds are now the same price as the Thrift Savings Plan US market funds. The plot thickens... Indeed. I wonder if Fidelity (with their 0.045% TSM fund FSTVX) is taking note. Seeing as how they made such a big hairy deal of being 0.5bp cheaper than Vanguard's TSM fund, I...
by ruralavalon
Thu Apr 27, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Can you take these Core funds and Create a Three Fund Portfolio?
Replies: 7
Views: 685

Re: Can you take these Core funds and Create a Three Fund Portfolio?

Welcome to the forum :) . It's great to see that you are debt free. Please amend your original post using the edit button, to add the expense ratios and ticker symbols for the funds offered. Sometimes the expense ratio offered in a 401k or KEOGH plan is different than the expense ratio offered to th...
by ruralavalon
Thu Apr 27, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Investing Advice for Roth/401K
Replies: 1
Views: 88

Re: Seeking Investing Advice for Roth/401K

Welcome to the forum :) . Hello fellow Boggleheads. I'm 31 years old and have recently started to think about retirement. I've been perusing the 3 Fund Portfolio thread on the forum and am definitely sold on the idea that this approach fits my needs. I have 2 main questions for the time being: (1) I...
by ruralavalon
Thu Apr 27, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Hi all! Help a newbie
Replies: 7
Views: 455

Re: Hi all! Help a newbie

I'm early 30's. I have a business, which is providing income in significant bonuses. I'm very interested in Bodleheads, and want to make sure I'm getting off on the right foot. Right now, I have about $150k in 401k, about $50k in cash. Since owning this business, I haven't maxed out my 401k for 201...
by ruralavalon
Wed Apr 26, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: My girlfriend and her 401K, need to give her advice
Replies: 11
Views: 801

Re: My girlfriend and her 401K, need to give her advice

Short version of this is, she got advice from her friend who is one of those people afraid of everything types and who thought like an old man when he was young. Anyway, she had her retirement money doing nothing all of these years stuck in fixed income. Now she's 58 and while my portfolio has zoom...
by ruralavalon
Wed Apr 26, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Tracking 401K Funds in M*
Replies: 2
Views: 153

Re: Tracking 401K Funds in M*

If the commingled Investment trust or separate account in your 401k tracks an index, then just locate a mutual fund or ETF that tracks the same index. Use the ticker for that fund or ETF in a dummy portfolio on Morningstar's "instant X-Ray" tool, as a proxy the trust or account that you ha...
by ruralavalon
Wed Apr 26, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Late start!
Replies: 2
Views: 471

Re: Late start!

Welcome to the forum :) . Ages 30 and 31 is not a "late start". Hi Bogleheads, I've been lurking, reading and educating myself as much as possible on investing. I'm 30 married (husband 31). I work as a part time with real estate investment on the side while my husband is a full time worker...
by ruralavalon
Wed Apr 26, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Savings, Investment and Trading One Account or Multiple?
Replies: 2
Views: 145

Re: Savings, Investment and Trading One Account or Multiple?

Welcome to the forum :) . First Off, I am not talking about Retirement Accounts (IRA and 401K). I am meaning my emergency fund savings, my longer term savings/investing goals and then the more fun Trading. My wife and I have always just had a regular savings account, which is where most of our saved...
by ruralavalon
Wed Apr 26, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: 23yr portfolio help
Replies: 9
Views: 804

Re: 23yr portfolio help

Thank you everyone for the responses. I have a few follow up questions and information. I looked the expense ratio up on our 401ks and they're 0.1%. Also should I open the Roth IRA accounts through vanguard or is there a better place to park our emergency fund ? Also should we put all of our emerge...
by ruralavalon
Tue Apr 25, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: New Here - Looking to Get Started
Replies: 4
Views: 470

Re: New Here - Looking to Get Started

Welcome to the forum :) . It's good to see that you are debt free other than the mortgage note, have a good salary, live frugally, at age 38 already have $558.5k in savings and investments, and are contributing enough to your 401k to get the full employer match. You are in very good shape. It's grea...
by ruralavalon
Tue Apr 25, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retire By 40?
Replies: 12
Views: 2657

Re: Retire By 40?

Welcome to the forum :) . In general: 1) avoid debt; 2) start investing young; 3) contribute as much as you can to investing; 4) keep expenses and taxes low. Read the little book that is linked in 2pedals' post. I'm 19 going on 20. I just got a job offering lots of benefits including a 401k, I'm ext...
by ruralavalon
Tue Apr 25, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing [Any tax-advantaged accounts available to us?]
Replies: 5
Views: 223

Re: New to investing [Any tax-advantaged accounts available to us?]

Whsy wrote:is there a reason why a backdoor Roth is preferable compared to a tira?

There is an income limit for eligibility to deduct contributions to a traditional IRA.

There is no income limit for conversions to a Roth IRA.
by ruralavalon
Tue Apr 25, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing [Any tax-advantaged accounts available to us?]
Replies: 5
Views: 223

Re: New to investing [Any tax-advantaged accounts available to us?]

New to investing, would appreciate some tips! I've maxed out 401k contributions. I have some money about 18k sitting in a tira ... rollover from prior 401k from old job. I just started a new job and combined with my fiancé (we're marrying this year) will make >230k. Since we both already max out ou...
by ruralavalon
Tue Apr 25, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Roll over 401k to new employer or existing Vanguard Roth IRA
Replies: 13
Views: 726

Re: Roll over 401k to new employer or existing Vanguard Roth IRA

Many thanks to all of you for the insight. I suppose I was initially more inclined to roll it over to the Roth IRA because a.) it seemed a lot easier at the time and b.) I figured it would be better to add the cash to a lower-cost retirement fund (Vanguard) than the employer-provided (but not emplo...
by ruralavalon
Tue Apr 25, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: Investing with American Funds like betting on Tiger Woods
Replies: 23
Views: 2989

Re: Investing with American Funds like betting on Tiger Woods

That is what they were doing. If you choose the index to use after the results are known, or cherry pick the funds that happened to beat a given index from a collection of funds using a variety of strategies after the results are known, it is deceptive advertising. I agree. But do you not see the i...
by ruralavalon
Tue Apr 25, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: 23yr portfolio help
Replies: 9
Views: 804

Re: 23yr portfolio help

I also think the priority should be to increase contributions to both 401ks up to 5% to get the full employer match offered in each.

Cash flow the graduate school as you stated.

The existing debt is not high interest, and is not a priority but do keep up the payments.
by ruralavalon
Tue Apr 25, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Investing with American Funds like betting on Tiger Woods
Replies: 23
Views: 2989

Re: Investing with American Funds like betting on Tiger Woods

jalbert wrote:Classic example of painting the bullseye around the arrow. . .
. . .

What is it when we make an index the standard to measure fund performance?
by ruralavalon
Mon Apr 24, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Question about new 401k
Replies: 4
Views: 402

Re: Question about new 401k

Your Options are 1. Keep old 401k at Fidelity. If you are happy with your funds there than no rollover needed. 2. Transfer to new 401k at Vanguard if allowed. This will still have 401k rules. 3. Roll over to Traditional IRA, which will be an issue going forward if you do back door ROTH IRA. 4. Roll...
by ruralavalon
Mon Apr 24, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs Roth
Replies: 7
Views: 514

Re: 403b vs Roth

Welcome to the forum :) . It's good to see that you are debt free. That's a nice pension. When searching on here I saw some posts that didn't prefer 403b's. Usually because of limited choices and higher costs. That's why I posted what was available. You have many excellent fund choices offered in yo...
by ruralavalon
Mon Apr 24, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Investing with American Funds like betting on Tiger Woods
Replies: 23
Views: 2989

Re: Investing with American Funds like betting on Tiger Woods

An interesting article about American Funds recent claims of beating the index funds. I have seen several posts here about the same story. https://assetbuilder.com/knowledge-center/articles/investing-with-american-funds-is-like-betting-on-tiger-woods Dan Good article. The American Funds underperfor...
by ruralavalon
Mon Apr 24, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why are pensions revered, but annuities reviled?
Replies: 113
Views: 9117

Re: Why are pensions revered, but annuities reviled?

... but the single-premium immediate annuity (SPIA) is a fine product, but only from either Vanguard or TIAA. There may be other companies, but I would check around and be very careful about the costs. I would not recommend Vanguard. They just resell SPIAs from other companies (and go through anoth...
by ruralavalon
Mon Apr 24, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Not sure what account to open and with whom
Replies: 15
Views: 1228

Re: Not sure what account to open and with whom

Fund selection. How much money is in his current employer 401k account? About $5500 What mutual funds is his 401k account invested in? Blackrock lifepath index 2055 NL G er= .12% What other mutual funds are offered in his 401k plan? Vanguard REIT index 1 .10%, american funds europacific growth R6 ....
by ruralavalon
Mon Apr 24, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Not sure what account to open and with whom
Replies: 15
Views: 1228

Re: Not sure what account to open and with whom

Asset allocation. Do you have an asset allocation (stock/bond mix) in mind that you want to aim for? No, maybe 70/30???? In my opinion at ages 28 and 30 an asset allocation of 70/30 is within the range of what is reasonable. Do you have a domestic/international stock mix that you want to aim for? N...
by ruralavalon
Mon Apr 24, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts how/why/when to finally move to Bonds/Fixed Income
Replies: 9
Views: 988

Re: Thoughts how/why/when to finally move to Bonds/Fixed Income

When I go 7% or so bond, my equity will “only” be 83% with 10 still in REIT. So, the way I look at it, I’m 17% hedged! However, I am still open to possibly a bit more bond/F-I allocation but don’t see where I’d want to go more than 10% right now. It is really a paradigm shift for me now, so I’m ope...
by ruralavalon
Mon Apr 24, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Grow my taxable index fund, or contribute to a non-matching 403b?
Replies: 37
Views: 2485

Re: Grow my taxable index fund, or contribute to a non-matching 403b?

Also, walk me through what happens if I get a 403b and leave my employer. If my new employer has the same 403b company, can I just continue where I left off, or would I have to roll it over into an IRA until retirement? If you leave the current employer you can: 1) leave the old 403b where it is (t...
by ruralavalon
Mon Apr 24, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Should I switch 401a funds?
Replies: 8
Views: 599

Re: Should I switch 401a funds?

One more question about this fund guys…Do you think I messed up by switching out of the Target Date 2045 Fund I was in... below is the info… Target Date 2045(Inception 07-02-12) Vanguard institutional Index… 31.71% DFA Emerging Markets Value… 13.94% American Funds Europacific Growth r5… 7.05% Dodge...
by ruralavalon
Sun Apr 23, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard fund for Roth IRA
Replies: 14
Views: 1034

Re: Which Vanguard fund for Roth IRA

Oracles4444 wrote:
tetractys wrote:
camsco181 wrote:Thanks for the advise. Why try and have international stock in taxable acct?
That's to get the foreign tax credit on USA taxes, since in the fund your already paying foreign taxes. -- Tet



Will you receive the same benefit if you have international stock in ROTH IRA?

No.
by ruralavalon
Sun Apr 23, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: No clue where to start
Replies: 9
Views: 983

Re: No clue where to start

Welcome to the forum :) . Age 43 is not that late, so don't feel too bad. It's great to see that you are debt free, have a pension, have read the Bogleheads Guide, and are interested in very diversified funds with low expense ratios. I am very interested in investing and I am so glad I found this fo...
by ruralavalon
Sun Apr 23, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Rght Bond fund/s when interest rates rise?
Replies: 31
Views: 1941

Re: Rght Bond fund/s when interest rates rise?

Dear Bogleheads, I am wondering as interest rates rise, if I should be replacing total bond market fund in my portfolio with one or multiple of these: If you like TBM, I would stick with it. If interest rates rise and there is a fall in price, it will only be temporary, it will recover and you will...
by ruralavalon
Sun Apr 23, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis - Extended Market
Replies: 7
Views: 992

Re: Analysis Paralysis - Extended Market

Yeah, you're a little "overweight" extended market vs. market weight. So what? Your portfolio is very reasonable for your situation in my opinion. When in doubt, I always vote to do nothing. This. Figure out a plan, pour some cement on it, stay the course. You asset allocations are within...
by ruralavalon
Sun Apr 23, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why are pensions revered, but annuities reviled?
Replies: 113
Views: 9117

Re: Why are pensions revered, but annuities reviled?

When I started working for my employer 33 years ago and one would comment about the defined benefit plan pension I thought yada yada ya...Four years from retirement, now I think what a "beautiful" thing. A defined benefit plan along with all other assets and savings equal a beautiful reti...
by ruralavalon
Sun Apr 23, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Not sure what account to open and with whom
Replies: 15
Views: 1228

Re: Not sure what account to open and with whom

We have some money from previous employer retirement accounts that we would like to roll over somewhere else. I met with a financial advisor and he talked us into opening an account with American funds. After reading the bogleheads guide to retirement, I think that's a bad idea since it has a high ...
by ruralavalon
Sun Apr 23, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2614
Views: 690598

Re: What Movie Have You Recently Watched?

Hidden Figures.

An excellent movie about three black female "computers" (a job title) who worked for NASA at the beginning of the space program in the late 50's and early 60's.
by ruralavalon
Sat Apr 22, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why are pensions revered, but annuities reviled?
Replies: 113
Views: 9117

Re: Why are pensions revered, but annuities reviled?

I read lots of stuff about the good old days when everyone had a pension, but at the same time whenever anyone brings up annuities people's blood starts to boil. I don't get it. It seems to me that upon retirement, converting some portion of your retirement account into an single-premium immediate ...
by ruralavalon
Sat Apr 22, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: New employment- Help with 401K fund selection
Replies: 5
Views: 466

Re: New employment- Help with 401K fund selection

Hi, I will appreciate all suggestions. I recently switched to a new employment and now have to select 401K options. Principal is the 401K managing company. These are the best available funds in the plan: Age 35 Marginal tax rate 33% NJ State tax rate 6.5% I have 80:20 allocation. All bond allocatio...
by ruralavalon
Sat Apr 22, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Investing Advice
Replies: 5
Views: 488

Re: Looking for Investing Advice

Welcome to the forum :). Its great to see that you are debt free, living within your means, and starting young at saving and investing. Age: 31 Desired Asset allocation: Unsure Desired International allocation: Unsure At age 31 I suggest about 20 - 25% in bonds. This is expected to substantially red...
by ruralavalon
Sat Apr 22, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: What bond index recommendations for $10K in Roth IRA?
Replies: 11
Views: 1000

Re: What bond index recommendations for $10K in Roth IRA?

I have $10K CD maturing May 1st in my Roth IRA at Fidelity. I would like to keep the new investment bond-like and not risk it in equity. These funds won't be touched for 25+ years. I can get a guaranteed 2.75% per year by purchasing another 10-year non-callable Brokered CD. Is any high-quality bond...
by ruralavalon
Sat Apr 22, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 14
Views: 944

Re: Portfolio Reallocation Request

Thanks for all your help. I think you received a lot of good advice on all your questions. #5 is market timing. If the money is destined for investment then invest it. Parking, holding, waiting, etc. are just other terms. What you are really saying is: I think the market is going down soon. I think...
by ruralavalon
Sat Apr 22, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Hi I'm going to open up a taxable account
Replies: 10
Views: 1099

Re: Hi I'm going to open up a taxable account

Welcome to the forum :) . I was wondering what would be a good solid portfolio. I maxed Roth IRA and have no 401k offered. I have an emergency fund and just 2 years maxed out Roth and I'm 47 thank you. I was wondering what fund or funds would be good Sorry my tax bracket is 15% I make 35000 a year h...
by ruralavalon
Sat Apr 22, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: New employment- Help with 401K fund selection
Replies: 5
Views: 466

Re: New employment- Help with 401K fund selection

Hi, I will appreciate all suggestions. I recently switched to a new employment and now have to select 401K options. Principal is the 401K managing company. These are the best available funds in the plan: Principal LargeCap S&P 500 Index Inst Fund (PLFIX) ER .16% Principal MidCap S&P 400 Ind...
by ruralavalon
Sat Apr 22, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2276
Views: 664426

Re: What Book Are You Currently Reading? Part VI

Hallowe'en Party, by Agatha Christie.
by ruralavalon
Fri Apr 21, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the right Fund for Metals?
Replies: 7
Views: 949

Re: Is this the right Fund for Metals?

Hi, Im relatively new to investing and recently decided to add precious metals to my portfolio, I was wondering if this is the right fund to go into (VGPMX). Also, if I wanted to get into gold, what is the best way to do it on Vanguard? Thanks Leo Vanguard Precious Metals and Expense Fund (VGPMX) i...
by ruralavalon
Fri Apr 21, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Not sure what account to open and with whom
Replies: 15
Views: 1228

Re: Not sure what account to open and with whom

Welcome to the forum :) . We have some money from previous employer retirement accounts that we would like to roll over somewhere else. I met with a financial advisor and he talked us into opening an account with American funds. After reading the bogleheads guide to retirement, I think that's a bad ...
by ruralavalon
Fri Apr 21, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 14
Views: 944

Re: Portfolio Reallocation Request

Fund placement. IRA will be about 45%, Roth about 10% and Taxable about 45%. Location will either be Schwab (taxable and Roth) or Vanguard (IRA) Schwab has no inexpensive value funds, and no value index funds, so your value tilt will need to be in an account with Vanguard. Schwab has just introduce...
by ruralavalon
Fri Apr 21, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 14
Views: 944

Re: Portfolio Reallocation Request

Is this a governmental or non-governmental 457 plan?

What is the reason you want to do a rollover of the 457 to an IRA?
by ruralavalon
Fri Apr 21, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 14
Views: 944

Re: Portfolio Reallocation Request

Welcome to the forum :) . You clearly have given this a lot of study and understand what is involved. My allocations would be very close to what you have in mind, it's almost not worth mentioning the difference. Greetings Bogleheads. I am a long time investor who started gambling with options back i...
by ruralavalon
Fri Apr 21, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Grow my taxable index fund, or contribute to a non-matching 403b?
Replies: 37
Views: 2485

Re: Grow my taxable index fund, or contribute to a non-matching 403b?

It's sad that the most comprehensive index funds are at the end of the very long list of Fidelity funds, but that's just because the list is alphabetical.
by ruralavalon
Fri Apr 21, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Maxed retirement plans and moving cash in taxable accounts
Replies: 1
Views: 439

Re: Maxed retirement plans and moving cash in taxable accounts

Welcome to the forum :) . It seems like you are in good shape, debt free, and on track for a comfortable retirement (depending on what your living expenses, Social Security, and pension might be). I have done been very fortunate to maxing my 401K into target funds over the years totaling $550,000, a...

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