Search found 10426 matches

by ruralavalon
Sun Jun 25, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: International Index Fund Choice
Replies: 7
Views: 431

Re: International Index Fund Choice

I'm looking to add to my international allocation in my taxable account Currently I hold VTIAX (total international stock index) but was thinking about adding VFWAX (all world ex-US index) Both funds look and preform very similar but VTIAX holds 6,100 funds while VFWAX holds 2,600. Am I splitting h...
by ruralavalon
Sun Jun 25, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: what do parents do with sudden windfall
Replies: 11
Views: 1729

Re: what do parents do with sudden windfall

Most annuities are a truly horrible idea, as discussed in Bogle_Feet's first link. I doubt that anyone here would dispute that general statement about most annuities in most situations. SPIA is for guaranteeing income for life. Insurance you will have income for life, which a stock & bond portfo...
by ruralavalon
Sun Jun 25, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me get invested -revised!!
Replies: 17
Views: 1113

Re: Please help me get invested -revised!!

Fund selection. In my opinion the funds to consider using in the 401k are: Invesco Eql-Wt S&P500 VADAX (0.54%) Columbia small cap index NMSAX (0.45%) IShares MSCI EAFE Intl Index MDIIX (0.38%) Fidelity Total Bond fund FEPAX (0.75%) As mentioned for domestic stocks in a 401k I usually suggest ju...
by ruralavalon
Sun Jun 25, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Please Help Me Get Started Investing
Replies: 16
Views: 999

Re: Please Help Me Get Started Investing

Try to figure out the cost of your desired lifestyle in retirement. From there it is possible to estimate how much money you need to save. It would be sub-optimal to forgo enjoying your money now, only to find yourself with too much money at death. I have to disagree. Don't try to speculate where y...
by ruralavalon
Sun Jun 25, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Please help me get invested -revised!!
Replies: 17
Views: 1113

Re: Please help me get invested -revised!!

Fund selection. Again it's always good to look at what the fund actually invests in, rather than just the fund name. I always prefer a good index fund over a good actively managed fund. Use Morningstar as a resource. . . . . . In your 401k what are the 2-3 funds offered with the lowest expense rati...
by ruralavalon
Sun Jun 25, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Please help me get invested -revised!!
Replies: 17
Views: 1113

Re: Please help me get invested -revised!!

Fund selection. Fidelity 401K fund options: There are 50 funds to choose from as well as brokerage. Target date funds make up about half of those and include Fidelity Freedom 20xx and JPM Smart Retirement 20xx options. The expense rations range from ~0.4%-1.5%, with most being in the 0.7-0.9% range...
by ruralavalon
Sat Jun 24, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help Me Get Started Investing
Replies: 16
Views: 999

Re: Please Help Me Get Started Investing

Try to figure out the cost of your desired lifestyle in retirement. From there it is possible to estimate how much money you need to save. It would be sub-optimal to forgo enjoying your money now, only to find yourself with too much money at death. I have to disagree. Don't try to speculate where y...
by ruralavalon
Sat Jun 24, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 42
Views: 1956

Re: Lump sum investing in stocks vs. DCA

At the start of DCA most of your assets are risk free by definition. At its end, all of them are in a risky vehicle. How do you not see the difference in risk ? It is a valid form of insurance and repeating it (were it not for the tax load involved) would be even more insurance. Unfortunately, it i...
by ruralavalon
Sat Jun 24, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help Me Get Started Investing
Replies: 16
Views: 999

Re: Please Help Me Get Started Investing

How will the actual implementation work? If you use Vanguard Balanced Index Fund Admiral Shares (VBIAX) ER 0.07% in both accounts, then there isn't an implementation issue to even consider. . . . . . In giving these examples I won't try to guess how the markets may perform over the coming months. If...
by ruralavalon
Sat Jun 24, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help Me Get Started Investing
Replies: 16
Views: 999

Re: Please Help Me Get Started Investing

Welcome to the forum :) . It's great to see that your only debt is a mortgage note at a low interest rate. Your savings rate (12/57 = 21%) is excellent, keep it up. At age 37 your desired asset allocation of 80/20 stocks/bonds is within the range of what is reasonable in my opinion. But a 60/40 asse...
by ruralavalon
Sat Jun 24, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k)/403(b) fund help
Replies: 6
Views: 292

Re: 401(k)/403(b) fund help

Good morning, My wife currently has a 401(k) that she contributes to at Principal, and an old, inactive 403(b) at Principal. I'm in the process of changing the AA in that portfolio to 75% stock/25% bond. Right now, the 401(k) has about $165k, and the 403(b) has about $185k. I would appreciate some ...
by ruralavalon
Sat Jun 24, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target fund vs 5 ETF's or Funds?
Replies: 6
Views: 556

Re: Vanguard Target fund vs 5 ETF's or Funds?

Right now I have 300K in a Vanguard Target-date Retirement fund. It looks like my fees would be reduced a bit if I held my money in 5 different Vanguard ETF's or Mutual Funds and re-balanced it myself quarterly/yearly. Is it worth the extra effort? Or should I just let Vanguard do all the re-balanc...
by ruralavalon
Sat Jun 24, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Please help me get invested -revised!!
Replies: 17
Views: 1113

Re: Please help me get invested!!

In addition to adding your tax rates, please also edit your original post to add: 1) how much (in dollars) you expect you might contribute annually to each account, and how much (in dollars) any employer match will be in the 401k; 2) recalculated percentages to state account and fund sizes as a perc...
by ruralavalon
Sat Jun 24, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) Changing Investment Offerings
Replies: 5
Views: 625

Re: 401(k) Changing Investment Offerings

We opened up a taxable account as vanguard too- is there a better international vanguard fund we should consider? AA 75/25, international 20%- currently in Fidelity 500 index fund (401k), vanguard extended market (Roths), doubleline core fixed income (401k), vanguard NJ muni bond fund (taxable), va...
by ruralavalon
Fri Jun 23, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: What are some good international funds to hold in a taxable account?
Replies: 6
Views: 608

Re: What are some good international funds to hold in a taxable account?

I was wondering if most international etf's and or index funds were created equal from a tax standpoint. I'm looking for a way to increase my international holdings without being clobbered by international income taxes and regular income taxes. Or would it be better to rebalance my rax advantaged a...
by ruralavalon
Fri Jun 23, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2233

Re: Anyone have a habit of checking the market all day?

Maybe its because Im a young investor but I find myself checking the market everyday once it opens and periodically throughout the day. I have a 3 fund and I really should be taking a set it and forget it approach.. Or at least checking maybe once a week. Anyone else like this? I have to confess th...
by ruralavalon
Fri Jun 23, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me get invested -revised!!
Replies: 17
Views: 1113

Re: Please help me get invested!!

Welcome to the forum :) . It's great to see that you are debt free, and using very diversified low expense ratio index funds. There are currently no really good safe investments, with any kind decent real return after inflation. To shop for rates on federally insured savings accounts and federally i...
by ruralavalon
Fri Jun 23, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: $14,000 inheritance wind fall
Replies: 9
Views: 1501

Re: $14,000 inheritance wind fall

Max the Roth today for 2017. Max your 401k--use the remainder of the $14,000 to bridge the gap if maxing your 401k would cause you to be short on your bills. fabis, This. No reason to mess with a taxable account if you are not even close to maxing the 401k & Roth. JW I agree. Increase your 401k...
by ruralavalon
Fri Jun 23, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rollover old employer 403b?
Replies: 14
Views: 425

Re: Should I rollover old employer 403b?

I think leaving the 403b where it is would be the best option. The old 403b is a good plan and you don't want to complicate the process of doing backdoor Roth IRAs. I agree. The old 403b has Vanguard funds at low fees even with that extra 0.145% added. It's probably better to leave that where it is...
by ruralavalon
Fri Jun 23, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: what do parents do with sudden windfall
Replies: 11
Views: 1729

Re: what do parents do with sudden windfall

Welcome to the forum :) . My in laws who are around 70 years old, recently came into some money (they have around 600k cash right now) their situation: their only income is about 1800 dollars total in social security income per month (both retired) they have a reverse mortgage so they dont have any ...
by ruralavalon
Fri Jun 23, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k or Not
Replies: 14
Views: 858

Re: Roth 401k or Not

Will you be eligible for a significant pension? That has a large impact on the traditional vs Roth decision. No pensions. Just defined contribution plans only. welderwannabe wrote: I will switch to non-roth 401k contributions. I will then invest the tax savings (33% of the contributions) in a taxab...
by ruralavalon
Fri Jun 23, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund too large
Replies: 29
Views: 4620

Re: Emergency Fund to large

Wondering if you made any choices???????? I took the advise here and moved the money to Vanguard. Now purchasing the Taxed Managed Fund. I will invest same amount over the next year. Feels better this way. If market goes up I am ok. I market goes down, I am still ok. It will feel like I have done o...
by ruralavalon
Fri Jun 23, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 42
Views: 1956

Re: Lump sum investing in stocks vs. DCA

Unless you invest at a peak, because I don't think a soul ouu there would be happier if the invested a lump sum in early 2000 or early 2008 than if they spread that same dollar figure out. So all you need is a crystal ball and you will be all set. Well, yeah. I invested a lot in the middle of 2007....
by ruralavalon
Fri Jun 23, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3132

Re: Christine Benz: "How to Make the Most of Your 401(k)"

Speaking from my very limited experience even auto-enroll won't help everyone. My company auto-enrolls new hires at 3% contribution after the 90 day probationary period is up. I was in a new hire orientation, and once the presenter was finished speaking about the auto-enroll and the match, two of t...
by ruralavalon
Fri Jun 23, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3132

Re: Christine Benz: "How to Make the Most of Your 401(k)"

It’s possible that I could be completely wrong about “barriers” being the problem, as I can only speak from my personal experience which is statistically insignificant. But here it is. In my role in a corporate world some years ago, I directly hired people to work on my team. I made sure that every...
by ruralavalon
Fri Jun 23, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Helping a Beginner Investor Create a Portfolio
Replies: 5
Views: 533

Re: Helping a Beginner Investor Create a Portfolio

Welcome to the forum :) . It's always good to see someone starting young, and interested in using very diversified low expense ratio index funds. How much (in dollars) are you contributing to your 401k annually? What funds are offered in your 401k? Please give fund names, tickers and expense ratios....
by ruralavalon
Fri Jun 23, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 42
Views: 1956

Re: Lump sum investing in stocks vs. DCA

Can someone remind me of the studies that showed investing a lump sum to be better than dollar cost averaging into the market? I forget if those studies selected market highs and lows to comment on of if they simply averaged the 2 practices over time. Thx. Google Vanguard "Dollar-cost averagin...
by ruralavalon
Thu Jun 22, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Trying to Help a friend w/ 401K Fund choice
Replies: 4
Views: 274

Re: Trying to Help a friend w/ 401K Fund choice

Questions: 1. Would the three fund work with these choices? For a simpler three-fund portfolio the 401k I suggest: 30% - Principal Global Large Cap S&P 500 Index Expense Gross - 0.18% 10% - Principle Global Investors International Equity Index Expense Gross - 0.35% 60% - Mellon Capital Bond Mar...
by ruralavalon
Thu Jun 22, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3132

Re: Christine Benz: "How to Make the Most of Your 401(k)"

Employers need to set the entrance barrier very low - and participation will increase. Even requiring a person to pick from the investment choices can seem overwhelming to most. Automatic enrollment with a balanced fund like a target retirement fund as the default investment was a great step forwar...
by ruralavalon
Thu Jun 22, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: help with stock reallocation
Replies: 3
Views: 196

Re: help with stock reallocation

I own some BAC stocks in my rollover 401k with fidelity which i am thinking to sell off. My rollver 401k current allocation is ( Domestic Stock- 52%, Foreign Stock-23%, Bonds-20% , Short Term 2%) into below BAC (BANK OF AMERICA CORP) FCPEX (FIDELITY SMALL CAP ENHANCED INDEX FUND) FSITX (FIDELITY U....
by ruralavalon
Thu Jun 22, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401k or Not
Replies: 14
Views: 858

Re: Roth 401k or Not

All, My company classifies me as a highly compensated employee and therefore my 401k contributions are limited to only 6%. This has been going on for about 5 years. When that happened I immediately changed my contributions to Roth ones since I figured if I was limited, I might as well get the bigge...
by ruralavalon
Thu Jun 22, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: New Employer - New 401(k) Options
Replies: 12
Views: 642

Re: New Employer - New 401(k) Options

Your desired asset allocation of 80/20 stocks/bonds with 20% of stocks in international stocks is within the range of what is reasonable in my opinion. The stock funds offered in your 401K are very nice. For domestic stock you can use just the Vanguard 500 Institutional Index Trust or combine that w...
by ruralavalon
Thu Jun 22, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Do Indexers Need 401(k) Plans?
Replies: 15
Views: 1766

Re: Do Indexers Need 401(k) Plans?

After years of terrible 401(k) options, my employer finally switched to Vanguard. Now I can invest in the same index funds as in our brokerage account at Vanguard. My question is: Since we use a basic three-fund index portfolio, which is already very tax efficient, is there any real upside to contr...
by ruralavalon
Thu Jun 22, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Survivorship bias and Portfolio Visualizer
Replies: 24
Views: 1612

Re: Survivorship bias and Portfolio Visualizer

Well... This is a good question! :wink: Portfolio Visualizer and the Simba spreadsheet use similar data sources, usually the total return of existing index funds (say Vanguard NAESX for Small-Caps), and such funds typically do a good job of tracking an index like CRSP US Small Cap. In years where s...
by ruralavalon
Thu Jun 22, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 1930

Re: Asset Allocation - Help with %s

I suggest around 20% in bonds even for the young aggressive investor. That is expected to significantly decrease portfolio risk, with only a relatively minor impact on portfolio performance. This is expected to substantially reduce volatility (risk), with only a relatively slight decrease in return...
by ruralavalon
Wed Jun 21, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need advices cleaning up my portfolio
Replies: 12
Views: 1089

Re: Need advices cleaning up my portfolio

I also have another question. Right now I am keeping all my emergency fund in regular saving account which has very low interest (0.9%). Is there a better place to keep it so that I can gain a little more interest? Most saving accounts that I see are around 0.9%-1% interest. You could consider othe...
by ruralavalon
Wed Jun 21, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Need advices cleaning up my portfolio
Replies: 12
Views: 1089

Re: Need advices cleaning up my portfolio

Asset allocation. Age: Late 30s Portfolio size: low six figures Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: I am not really sure here. I personally don't like international allocation but I know I should have some. In my opinion in your late 30s your desired a...
by ruralavalon
Wed Jun 21, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Unsure where to start with 401k choices
Replies: 12
Views: 595

Re: Unsure where to start with 401k choices

Hi Bogleheads, I'm trying to help out a family member with sorting through her 401k choices. I think I've converted her to the idea of a three fund portfolio and would like some input on the best options out of the list below. I know the ERs aren't the best with the exception of that one lonely Van...
by ruralavalon
Wed Jun 21, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 1930

Re: Asset Allocation - Help with %s

To your first question, I'd say you are doing fine, keep it up. To your second, if you haven't played around with https://www.portfoliovisualizer.com/backtest-portfolio spend a little time on it. I recently did and was amazed how making what I thought was significant portfolio changes regarding AA ...
by ruralavalon
Tue Jun 20, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on 401k options
Replies: 4
Views: 199

Re: Opinions on 401k options

Either Vanguard Target Retirement Fund 2045 ER 0.16% or Vanguard 500 Index Fund Admiral Shares (VTSAX) ER 0.04% would be fine in your 401k. Be sure to contribute enough to get the full employer match each year.
by ruralavalon
Tue Jun 20, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 1930

Re: Asset Allocation - Help with %s

MindTheGAAP wrote:Conservatively I'd say 5/6 months

People usually suggest 3-12 months in an emergency fund. In my view 12 months is a bit excessive. Your 5-6 months is probably reasonable for an emergency fund, but consider a bit more for peace of mind and because you are self-employed.
by ruralavalon
Tue Jun 20, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 1930

Re: Asset Allocation - Help with %s

We're at about 4-mos of EF at the moment with the goal to bolster it to 6+. I wouldn't be surprised if we don't get to 12-mos in a savings account at a certain point to give peace of mind. That's 4-mos of current spending, not 4-mos of "we're using EF to live" spending. Does that make sen...
by ruralavalon
Tue Jun 20, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3444

Re: Do Bonds have a place if basic expenses are covered by income streams?

About Buffet. As I recall that is the portfolio he left for his wife vs one that he recommends for most people. I'm sure he will leave enough money that she will never have a problem no matter what the market does. That isn't the case for most of us. I don't use the Buffett 90/10 idea, because I ha...
by ruralavalon
Tue Jun 20, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Near retiree, recent saver
Replies: 3
Views: 778

Re: Near retiree, recent saver

Welcome to the forum :) . Since your pension and Social Security will be more than your current take home pay "by several thousand", you have no debt other than a car payment for another 6 months, you have $106k in various accounts, you will be contributing more, and you might work for ano...
by ruralavalon
Tue Jun 20, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 1930

Re: Asset Allocation - Help with %s

I believe 28% is the correct bracket once we take all of our expenses into account. This will be before itemized deductions and whatnot but I'd be shocked if we got down from a projected ~$185 net to the required $153k as it currently stands. I will be sending my tax accountant an email now to let ...
by ruralavalon
Tue Jun 20, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3444

Re: Do Bonds have a place if basic expenses are covered by income streams?

If SS, pension and/or annuities will cover your basic living expenses in retirement so that you would only need to tap your portfolio for some travel, new roofs or emergencies is there a reason to hold bonds at that point? With no concern about retirement living expenses, then why not the Warren Bu...
by ruralavalon
Tue Jun 20, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Help with %s | Traditional vs. Roth 401k
Replies: 45
Views: 1930

Re: Asset Allocation - Help with %s

I suggest around 20% in bonds even for the young aggressive investor. That is expected to significantly decrease portfolio risk, with only a relatively minor impact on portfolio performance. This is expected to substantially reduce volatility (risk), with only a relatively slight decrease in return....
by ruralavalon
Tue Jun 20, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: AA with a pension
Replies: 15
Views: 1582

Re: AA with a pension

What is your age? What is the approximate value of the rest of your retirement portfolio? What is the current cash out value that you could receive as a lump sum if you left the company today? In my opinion it would be reasonable to count that amount as a "bond" for purposes of setting yo...
by ruralavalon
Mon Jun 19, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: 19 y/o Windfall Questions
Replies: 25
Views: 2898

Re: 19 y/o Windfall Questions

The term "liquid" refers to an investment that can be quickly and easily converted to cash at little or no cost or penalty.

Any Vanguard mutual fund held in a taxable account or a Roth IRA is liquid.
by ruralavalon
Mon Jun 19, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Seeking 401k rollover advice
Replies: 5
Views: 284

Re: Seeking 401k rollover advice

Welcome to the forum :) . That's a nice employer match, you are fortunate. Subject: Seeking 401k rollover advice Hello – I am seeking 401k rollover advice from previous employer 401k to new employer 401k. New employer contributes 50% up to 8%. Portfolio breakdown – Old Employer (percent, fund name, ...

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