Search found 9411 matches

by ruralavalon
Fri Jan 20, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 50
Views: 4403

Re: 50 Year Old Late Starter With Questions

What if I use TDA, and only invest in the commission free ETF's? As long as the expense ratios are low in the funds I invest in, wouldn't this save me a ton of money on fees? Sure, I would need to rebalance them myself, but that doesn't seem to be too difficult to do. Would this be a good plan? If ...
by ruralavalon
Fri Jan 20, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for moving from active to passive investing
Replies: 9
Views: 713

Re: Advice for moving from active to passive investing

You fund selection and fund placement looks OK in my opinion. Anything I could offer would just be a minor tweak.

As mentioned I do suggest a larger bond allocation.
by ruralavalon
Fri Jan 20, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investment option help
Replies: 13
Views: 617

Re: Investment option help

I have made the decision to transfer Roth IRA 1 and Roth IRA 2 to Vanguard into a single Roth IRA totaling 25k after transfer. 1) is it better to just do the transfer online myself or call Vanguard customer service for assistance? 2) Which Vanguard funds would be good options for me? 1) I haven't t...
by ruralavalon
Fri Jan 20, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 304
Views: 46066

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

In reading this thread, I am still unclear on why it is frowned upon, to buy nice things if you can afford them. who cares if someone buys a BMW - I'm happy for them. And a Honda pilot can cost more than a mercedes, as can a ford f150 Having stayed in some nice hotels in my life, i can say they are...
by ruralavalon
Fri Jan 20, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Help With Bond Fund Allocation-403b/Roth IRA
Replies: 11
Views: 617

Re: Help With Bond Fund Allocation-403b/Roth IRA

By the way, what is the employer match? Also I am a little concerned about whether you are well diversified in your domestic stocks in the taxable account. They match 2-to-1 up to 10% to my 5%. That is the best thing about our plan. :sharebeer That's an extraordinary employer match. Here is the lis...
by ruralavalon
Fri Jan 20, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 50
Views: 4403

Re: 50 Year Old Late Starter With Questions

All of our accounts (joint account, 2 Roth IRAs, and rollover IRA) are at Vanguard, and all of our funds are Vanguard funds. I have been retired since 2011, and withdraw money on a regular basis using the Vanguard website and app. I have had no difficulty of any kind. We use direct electronic trans...
by ruralavalon
Fri Jan 20, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 50
Views: 4403

Re: 50 Year Old Late Starter With Questions

I guess what really worries me most about Vanguard is that the day will come when I need to start withdrawing, or maybe I'll need a lump sum, and I'll have trouble getting my money out. I worry about being given the run around, having to snail mail forms, and the like. Have any of you withdrawn mon...
by ruralavalon
Thu Jan 19, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 73
Views: 4873

Re: Vanguard vs. Fidelity [Customer Service Reputation]

Bottom line, it's more expensive to manage small-cap funds than large-cap. It's more expensive to manage bonds than stocks. And it's more expensive to manage international than domestic. So you went and picked out a bunch of small cap funds, international funds, and even an international bond fund ...
by ruralavalon
Thu Jan 19, 2017 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Bond Fund Allocation-403b/Roth IRA
Replies: 11
Views: 617

Re: Help With Bond Fund Allocation-403b/Roth IRA

Makes sense, very helpful! At age 42 I suggest about 30% in bonds. I think you are right. The good thing about having them in my 403b is that is where most of my future contributions are going. I will need to do some catch up but that shouldn't be a problem within a couple years as I have been cont...
by ruralavalon
Thu Jan 19, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Bond Fund Allocation-403b/Roth IRA
Replies: 11
Views: 617

Re: Help With Bond Fund Allocation-403b/Roth IRA

I am doing some annual rebalancing, looking to bump up allocation in bond funds and put them in the correct account. Based on reading the forums here, I have eliminated a total bond fund from taxable and looking to increase bond holdings in my Roth or 403b to get back to 20% (although I am open to ...
by ruralavalon
Thu Jan 19, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Bond Fund Allocation-403b/Roth IRA
Replies: 11
Views: 617

Re: Help With Bond Fund Allocation-403b/Roth IRA

I am doing some annual rebalancing, looking to bump up allocation in bond funds and put them in the correct account. Based on reading the forums here, I have eliminated a total bond fund from taxable and looking to increase bond holdings in my Roth or 403b to get back to 20% (although I am open to ...
by ruralavalon
Thu Jan 19, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review (AA in multiple accounts goal)
Replies: 11
Views: 559

Re: Portfolio Review (AA in multiple accounts goal)

because the only one offered there is the intermediate bond fund at a higher ER. We're in trouble here if a measly 0.03% difference in e.r. is going make one put bonds in a Roth IRA. Hello, I am looking for constructive criticism, please. I welcome folks pointing out faulty logic, but this is only ...
by ruralavalon
Thu Jan 19, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Unique 401k situation after company merger - could really use some advice
Replies: 16
Views: 1071

Re: Unique 401k situation after company merger - could really use some advice

I have a Vanguard traditional IRA from a previous rollover, a Vanguard Roth IRA, and now I'll have to determine what to do with the very small 401k I currently have with Principal. Hi Everyone, Just a quick follow up. Only 8 funds out of 20+ have an expense ratio under 1.00%. Here are the funds off...
by ruralavalon
Thu Jan 19, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning My Investment Journey
Replies: 19
Views: 1516

Re: Beginning My Investment Journey

Is it advisable to totally skip allocating into bonds at my age? I was also considering putting Vanguard Small-Cap Value Index Fund (VISVX) into my Roth and the Vanguard Total Stock Market Index Fund (VTSMX) and keep both Vanguard Total International Stock Index Fund (VGTSX) in the taxable account....
by ruralavalon
Thu Jan 19, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 304
Views: 46066

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

I would have thought Hawaii would be typical aspiration vacation for someone in the middle class or have Caribbean cruises replaced it? Trip to Hawaii probably costs 3x-4x as much as a typical Caribbean cruise. Just FYI. Travel to Hawaii is a huge expense if you start East of the Mississippi :( . I...
by ruralavalon
Thu Jan 19, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 50
Views: 4403

Re: 50 Year Old Late Starter With Questions

Now, as for the fund - TD Ameritrade has a T Rowe Price target date retirement fund 2045. It's no load and no transaction fees. It's currently at about $15 a share, and has above average earnings. The expense ratio is higher than I'd like at 0.76%, but that's about as high as I would go. Not sure i...
by ruralavalon
Thu Jan 19, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help converting individual bonds to bond fund(s)
Replies: 4
Views: 325

Re: Help converting individual bonds to bond fund(s)

Zendo , welcome to the forum :) . One approach would be to take your time and be patient. Is there a need to get this done before 5 years has passed? What fraction of the bonds will mature or be called within 5 years? I concur with livesoft . We have individual Treasury bonds, we are liquidating th...
by ruralavalon
Thu Jan 19, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Fund selection
Replies: 4
Views: 250

Re: New 401k Fund selection

Congratulations on your new job :) . Okay guys, So hopefully some of you remember me. I got a new job after being unemployed for 8 months. I don't have full access to the 401k yet until my first paycheck but I have the fund selections available. I see that they are really good funds if I'm not mista...
by ruralavalon
Wed Jan 18, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning My Investment Journey
Replies: 19
Views: 1516

Re: Beginning My Investment Journey

Is it advisable to totally skip allocating into bonds at my age? I was also considering putting Vanguard Small-Cap Value Index Fund (VISVX) into my Roth and the Vanguard Total Stock Market Index Fund (VTSMX) and keep both Vanguard Total International Stock Index Fund (VGTSX) in the taxable account....
by ruralavalon
Wed Jan 18, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for limited bond fund options in 401k
Replies: 13
Views: 878

Re: Advice for limited bond fund options in 401k

What interest rate is paid by the stable value fund? Prudential Total Return Bond Fund Q (PTRQX) ER 0.43% looks decent in my opinion, average effective duration = 5.78 years, average credit quality = BBB. Thanks for the response! I don't know if the stable value fund pays a fixed interest rate. The...
by ruralavalon
Wed Jan 18, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 73
Views: 4873

Re: Vanguard vs. Fidelity

Local branches come in handy periodically especially if you want explanations on documents or are late getting something in. Once a year they call and ask if I would like to meet to discuss my accounts and I decline. Finally I use the Fidelity 2% Visa with the bonus cash directly deposited into my ...
by ruralavalon
Wed Jan 18, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Beginning My Investment Journey
Replies: 19
Views: 1516

Re: Beginning My Investment Journey

Welcome to the forum :) . Hello everyone! I've been reading through this forum for a few weeks now. I am 25 years old and looking to start my journey of investments. My initial thought was to follow the "Vanguard Three-Fund Profile" below to keep it simple, consistent, and long-term. Vangu...
by ruralavalon
Wed Jan 18, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 50
Views: 4403

Re: 50 Year Old Late Starter With Questions

What are the specific reasons for avoiding TD Ameritrade? There is no reason to have the extra hassle of using ETFs at TDAmeritrade or any other brokerage. Buying ETFs is more trouble than buying regular mutual funds. Using ETFs you can't buy fractional shares, it's harder to set up automatic inves...
by ruralavalon
Wed Jan 18, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review (AA in multiple accounts goal)
Replies: 11
Views: 559

Re: Portfolio Review (AA in multiple accounts goal)

Welcome to the forum :) . You have some nice fund choices offered in both the old and new 401ks, you are fortunate. Asset allocation. Age: 40 ((approximative)) Income: low six figures between both of us Desired Asset allocation: 85% stocks / 15% bonds Desired International allocation: 10% of stocks ...
by ruralavalon
Wed Jan 18, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: 50 Year Old Late Starter With Questions
Replies: 50
Views: 4403

Re: 50 Year Old Late Starter With Questions

Welcome to the forum :) . I suggest an IRA With Vanguard or Fidelity, instead of TDAmeritrade. If you want to use Vanguard or Fidelity funds there is usually no good reason to hold them anywhere other than a Vanguard or Fidelity account. I suggest a traditional deductible IRA rather than a Roth IRA....
by ruralavalon
Wed Jan 18, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: 403b Fund
Replies: 4
Views: 158

Re: 403b Fund

Welcome to the forum :) . My wife has a 403b plan with 40k in it from a job long ago that she cannot move into her current 401K. The funds she has are a Morgan Stanley Inst Mid Cap Growth A and a Morgan Stanley Inst Balanced P that I want to move. Here are the choices: Great-West Agressive Profile I...
by ruralavalon
Wed Jan 18, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Advice for limited bond fund options in 401k
Replies: 13
Views: 878

Re: Advice for limited bond fund options in 401k

What interest rate is paid by the stable value fund? Prudential Total Return Bond Fund Q (PTRQX) ER 0.43% looks decent in my opinion, average effective duration = 5.78 years, average credit quality = BBB. Thanks for the response! I don't know if the stable value fund pays a fixed interest rate. The...
by ruralavalon
Tue Jan 17, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for limited bond fund options in 401k
Replies: 13
Views: 878

Re: Advice for limited bond fund options in 401k

What interest rate is paid by the stable value fund?

Prudential Total Return Bond Fund Q (PTRQX) ER 0.43% looks decent in my opinion, average effective duration = 5.78 years, average credit quality = BBB.
by ruralavalon
Tue Jan 17, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 304
Views: 46066

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

livesoft wrote:
Leesbro63 wrote:Great new BOGLEHEADISH concept: Junior and Senior Financial Independence: "..."

So does that mean folks with a few assets who are unemployed for the year are Seniors?

And that retired couples are Double Superior Senior Financial Independents :happy .
by ruralavalon
Tue Jan 17, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: New Year, New Job, New Plan
Replies: 2
Views: 331

Re: New Year, New Job, New Plan

How much (in dollars) do you have to contribute to her 401k to get the full employer match annually? How, much (in dollars) is the full employer match annually? Are Roth contributions allowed in her 401k? Are either or both of you eligible for a substantial pension? What are the funds with the lowes...
by ruralavalon
Tue Jan 17, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose a 457 provider?
Replies: 5
Views: 373

Re: Help me choose a 457 provider?

I tried to go through the 457 providers and list for each the best funds in each asset category, being domestic stocks, international stocks and domestic bonds. At age 30 the largest allocation will now be to domestic stocks, and over the years will shift to bonds, so those two asset categories sho...
by ruralavalon
Tue Jan 17, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation
Replies: 7
Views: 605

Re: 401K Allocation

Thanks for the links ruralavalon. I have been reading the info. in your links as well as in other posts. As expected, the opinions about allocations vary among the forum members. . . . . . I have much to learn. Some of the allocations I need to learn about include: US vs International, Bonds, US La...
by ruralavalon
Tue Jan 17, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner ?s 401k and Investing
Replies: 20
Views: 1319

Re: Beginner ?s 401k and Investing

Welcome to the forum :) . New to the board, as you can imagine im here looking for help, advice, etc.... Im late to the game, and started with enrolling in my company 401k a little over a year ago. Im 37 and my current allocations are 90% stocks and 10% bonds. High risk but at my age im not worried ...
by ruralavalon
Tue Jan 17, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose a 457 provider?
Replies: 5
Views: 373

Re: Help me choose a 457 provider?

I tried to go through the 457 providers and list for each the best funds in each asset category, being domestic stocks, international stocks and domestic bonds. At age 30 the largest allocation will now be to domestic stocks, and over the years will shift to bonds, so those two asset categories shou...
by ruralavalon
Mon Jan 16, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: International fund allocation...
Replies: 11
Views: 1056

Re: International fund allocation...

Thank you ruralavalon. I appreciate the links and will certainly read them. From a strategic standpoint, should I split my international allocations between the 401K and taxable accounts? I understand the strategy for having bonds inside the 401K, but am foggy on the benefit of using the taxable ac...
by ruralavalon
Mon Jan 16, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Four 401k Fund Options - Need Advice
Replies: 17
Views: 777

Re: Four 401k Fund Options - Need Advice

What bond funds are offered in the 401k? Do you have any accounts other than the 401k? There is one Bond Fund - Expense Ratio .41% http://profile.morningstar.com/profile/HTMLPage.asp?ClientCode=005&ID=SPUSA05U6G&time=20170116161023 And one Balanced Fund - Expense Ratio .19% http://profile.m...
by ruralavalon
Mon Jan 16, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Four 401k Fund Options - Need Advice
Replies: 17
Views: 777

Re: Four 401k Fund Options - Need Advice

S&P doesn't cover small-medium cap and international. The expense ratio is kind high on these fund. I would put 80% in S&P index and 20% small cap. Where is the international option? US only represents 25% of world GDP. So you are miss a chuck of AA. The only International fund available is...
by ruralavalon
Mon Jan 16, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: International fund allocation...
Replies: 11
Views: 1056

Re: International fund allocation...

Hello ruralavalon, thanks for your time. I actually came across a recent thread where you helped a member who has my exact employer plan (link below). I learned several things about my own plan from the OP which was great. I also learned why not all 401K funds have tickers, like some of my own fund...
by ruralavalon
Mon Jan 16, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: 40 year old newbie - portfolio review and advice
Replies: 5
Views: 651

Re: 40 year old newbie - portfolio review and advice

Welcome to the forum :) . It's good to see that you are debt free. You have some very good funds offered in your 401k. You are fortunate. Age: 40 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 35% of stocks At age 40 I suggest about 30% in bonds. This is expected ...
by ruralavalon
Mon Jan 16, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Four 401k Fund Options - Need Advice
Replies: 17
Views: 777

Re: Four 401k Fund Options - Need Advice

Just go with Vanguard Institutional Index Fund Plus (VIIIX) ER 0.02% for your domestic stocks.
by ruralavalon
Mon Jan 16, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: ADP 401k Allocation help
Replies: 4
Views: 335

Re: ADP 401k Allocation help

Welcome to the forum :) .

Is this your only account?

If so then I suggest using these funds in your 401k:
80%, State Street S&P 500 Index Fun.d ER 0.70%
20%, Loomis Sayles Investment Grade Bond Fund ER 0.83%

How much do you need to invest in your 401k to get the full employer match annually?
by ruralavalon
Mon Jan 16, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: International fund allocation...
Replies: 11
Views: 1056

Re: International fund allocation...

Another possibility in the taxable account is Fidelity Total International Index Fund Premium Class (FTIPX) ER 011%.

What are the international funds offered in your 401k?
by ruralavalon
Sun Jan 15, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation Help - 34 yrs old
Replies: 10
Views: 937

Re: Asset allocation Help - 34 yrs old

Have a basic question regarding my roth 401k that i systematically invest to 2 times a month through out the year to max out. I honestly just plan to put it in auto pilot for awhile. Current balance $40k Equally putting 20% of bimonthly $225 contribution into - $45 in each Vanguard 500 index Vangua...
by ruralavalon
Sun Jan 15, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: 25 year old - Investing for Tomorrow Tips
Replies: 4
Views: 369

Re: 25 year old - Investing for Tomorrow Tips

Age: 25 Status: Single Debt: $7,700.00 car loan at 0% interest Cash: $100,000.00 401K: Max out plus 30% contribution match from employer. 401K position allocation: 25% DDFIX, 25% FBGRX , 25% FUSVX, 25% JTSSX Investment Account: Stocks and mutual funds - $22,000.00 New to the game, and want to make ...
by ruralavalon
Sun Jan 15, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: 3 Vanguard Funds That Are Taking on Water
Replies: 29
Views: 5347

Re: 3 Vanguard Funds That Are Taking on Water

Just market timing, and poor as advice.
by ruralavalon
Sun Jan 15, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 73
Views: 4873

Re: Vanguard vs. Fidelity [Customer Service Reputation]

More recently I did the paperwork to gain authority to make changes to my wife's accounts. I really appreciate it that when I log in I'm presented with a consolidated view that allows me to manage both our accounts as if were a single collection - no having to log in to one account then the other. ...
by ruralavalon
Sun Jan 15, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Value of House in Planning for Retirement
Replies: 46
Views: 3045

Re: Value of House in Planning for Retirement

My 3% figure is a low estimate of historic norms over the long haul. Obviously there's no way to know...but I need some sort of placeholder figure and 3% is as good as any. FWIW in the nine years we've owned the house annualized annual appreciation has been over 3.5%. We bought prior to the crash, ...
by ruralavalon
Sat Jan 14, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Value of House in Planning for Retirement
Replies: 46
Views: 3045

Re: Value of House in Planning for Retirement

Age 56, hoping to retire at 65. . . . . . . . . . . I'm confident that we're in good shape....just trying to be better informed as to how the housing component impacts what we do with other current and future investments. Another way to frame the question: if one can be relatively certain of a larg...
by ruralavalon
Sat Jan 14, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation
Replies: 7
Views: 605

Re: 401K Allocation

Do you have other accounts in addition to this 401k? It is often best to look at all accounts together as a single unified whole, rather than consider each account separately. I need help with my 401K allocation. What allocation do you recommend? I have some opinions, but I am interest to know what ...
by ruralavalon
Sat Jan 14, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Unique 401k situation after company merger - could really use some advice
Replies: 16
Views: 1071

Re: Unique 401k situation after company merger - could really use some advice

The new employer 401k plan will be offered through MassMutual, which was apparently penalized in a class action lawsuit a few years ago. As far as I can tell, the new company will match 50% of employee contributions up to the yearly limit. The vesting schedule is similar to the existing one, and at...

Go to advanced search