Search found 10911 matches

by ruralavalon
Tue Aug 22, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation
Replies: 2
Views: 281

Re: 401k Allocation

Hey all should I include my company stock in my 401k allocation balance. My current portfolio adviser is saying their normal allocation model is to keep the stock separate of the other investment choices I am not sure I agree. I would consider all investments, including company stock, as one unifie...
by ruralavalon
Tue Aug 22, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2876
Views: 844454

Re: What Movie Have You Recently Watched?

There is an excellent series of 25 BBC movies available on Netflix, based on Agatha Christie novels featuring Hercule Poirot. We have watched these, and enjoyed them all. The Murder of Roger Acroyd . Lord Edgeware Dies . Evil Under the Sun . Murder at an island hotel. Murder in Mesopotamia . The mys...
by ruralavalon
Tue Aug 22, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b)/457 Provider Options
Replies: 4
Views: 166

Re: 403(b)/457 Provider Options

Welcome to the forum :) . TSA is an acronym than can stand for many different things. Are you referring to Tax Sheltered Annuities? I would definitely avoid any annuity in a 403b. Insurance companies have long been the usual vendors in 403b plans for public school teachers, and are a reason why so m...
by ruralavalon
Tue Aug 22, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: 28 year old trying to make a simple retirement plan
Replies: 10
Views: 1133

Re: 28 year old trying to make a simple retirement plan

Priority. married 105k combined income no debt except house, plan to have it paid off in 24 months. (130k left on 300k home) at 3% loan After home is paid off the goal is to max out retirement funds for 10 years and evaluate early retirement/f-you money?? at that time. Florida 25% federal tax.... n...
by ruralavalon
Mon Aug 21, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: My girlfriend and her 401K, need to give her advice
Replies: 59
Views: 4345

Re: Trying to help my girlfriend with her investments

It's great to see that she now has a new job, and so can again contribute to a 401k :) It's good to see that she has no debt. Emergency Funds - No Debt - None Tax Filing Status - Head of Household Tax Rate - 15% federal, 6.45 state State - New York Age - 58, almost 59 Portfolio - high five figures C...
by ruralavalon
Mon Aug 21, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: 28 year old trying to make a simple retirement plan
Replies: 10
Views: 1133

Re: 28 year old trying to make a simple retirement plan

Welcome to the forum :) . Congratulations on the new baby. I have always been interested in investing. Thanks to a new baby I have been trying to take it more serious. I just finished reading both boglehead books and have now been re-thinking my portfolio. married 105k combined income no debt except...
by ruralavalon
Mon Aug 21, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401 k invest or not.
Replies: 6
Views: 461

Re: 401 k invest or not.

I think it's always better (at least in every example I have ever seen) to contribute enough to get the full employer match each year. After that it's often best to contribute the maximum to an IRA, Roth or traditional depending on eligibility and personal circumstances. If the investor expects that...
by ruralavalon
Mon Aug 21, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 403B allocations & New Investments
Replies: 2
Views: 257

Re: Help with 403B allocations & New Investments

Welcome to the forum :) . It's great to see that you are debt free. Those books are excellent choices in reading material. There are many excellent fund choices available in his 403b, you are fortunate. Age: 55, wife 50 Desired Asset allocation: 50% stocks / 50% bonds Desired International allocatio...
by ruralavalon
Mon Aug 21, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account recommendation
Replies: 8
Views: 942

Re: Taxable account recommendation

What is your tax bracket, both federal and state? What low ER bond funds are offered in your 401k? You could consider very tax-efficient stock index funds, such as Vanguard Total Stock Market Index Fund Admiral Shares VTSAX) ER 0.04% and Vanguard Total International Stock Index Fund Admiral Shares (...
by ruralavalon
Mon Aug 21, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Late starter 54 y/o need help
Replies: 6
Views: 807

Re: Late starter 54 y/o need help

Welcome to the forum :) . About how much (in dollars) can he contribute to investing annually? In his situation how much he can contribute is probably the most important factor in investment planning. There is simply no way to create a plan that does not involve a high level of contributions. How mu...
by ruralavalon
Mon Aug 21, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11891

Re: I own no international stocks. Can you guess why?

Cutting the tax bill by 80%, while preserving the bond allocation, is a good enough reason in my opinion.
by ruralavalon
Sun Aug 20, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to invest in gold?
Replies: 18
Views: 1500

Re: Good time to invest in gold?

In my opinion an investing question using the word "time" is often the wrong question. I heard when stock prices are record high, it's time to buy gold. What do you guys think? Ask yourself this: If the people who claim that that gold is going to be a great investment -- whether it's because the dol...
by ruralavalon
Sun Aug 20, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11891

Re: I own no international stocks. Can you guess why?

Just a guess -- perhaps to simplify the portfolio down to one fund, to something like Vanguard Balanced Index Fund?
by ruralavalon
Sun Aug 20, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Inventions That Changed the Modern Economy--"And John Bogle sets up Vanguard [the first index mutual fund for individual
Replies: 2
Views: 282

Re: Inventions That Changed the Modern Economy--"And John Bogle sets up Vanguard [the first index mutual fund for indivi

Thank you for the link. The paragraph on Bogle and the index funds is nice. I really loved the last paragraph. "Sometimes we need to count our blessings. All the inventions which have been produced over the last six or seven thousand years in the book, with a couple exceptions, have made our lives b...
by ruralavalon
Sun Aug 20, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio asset allocation for a retiree
Replies: 8
Views: 1100

Re: Portfolio asset allocation for a retiree

I am a new retiree with a 40/60 portfolio across both taxable/tax advantaged accounts. It's currently designed for total return so it has both growth and income funds in it. I would like to get a sense of what percentage the asset classes should be at this new stage of my life, retirement, i.e., la...
by ruralavalon
Sun Aug 20, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 26
Views: 2482

Re: Adjusting AA as retirement nears

We have had an asset allocation of 50/50 since 2008, I retired 2011, and we have no plans to change the asset allocation.

Going to a lower stock allocation like 30% actually increases your risk of running out of money over 30 or 40 years of retirement.
by ruralavalon
Sat Aug 19, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798989

Re: What Book Are You Currently Reading? Part VI

Strong Poison, by Dorothy L. Sayers.

A woman is accused poisoning her ex, but there is a hung jury. There are only a few weeks to investigate before the new trial date.
by ruralavalon
Sat Aug 19, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - Need Help!
Replies: 4
Views: 533

Re: Portfolio Review Request - Need Help!

Emergency fund. For better rates on your emergency fund, see -- www.bankrate.com . That's a large emergency fund in my opinion. You could consider adding some part of that to investments. Asset allocation. ge: 42 me, 38 wife 2 Kids: Ages 8 & 12 yrs old…. Have 29k total invested in 529 plans. DCA $1...
by ruralavalon
Sat Aug 19, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 12
Views: 1048

Re: Portfolio Review Request

Asset allocation. Age: 34 (both of us) Desired Asset allocation: 80% stocks /20% bonds (open to suggestion) Desired International allocation: 50% of stocks (open to suggestion) In my opinion at age 34 your desired 20% in bonds is within the range of what is reasonable. This is expected to substanti...
by ruralavalon
Fri Aug 18, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor - New Job - Help Choosing 401k Portfolio
Replies: 4
Views: 271

Re: Young Investor - New Job - Help Choosing 401k Portfolio

Welcome to the forum :) .

It's good to see that you are debt free. You have some nice funds offered in your 401k, you are fortunate.

I agree with Grt2BOutdoor's fund suggestions.

I suggest traditional 401k contributions, rather than Roth contributions.
by ruralavalon
Fri Aug 18, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 12
Views: 1048

Re: Portfolio Review Request

Questions: 1. I want to simplify so that it is easier to manage. Even developing this list took weeks! I will have to pay a surrender charge if I move my Roth prior to Feb. 2018. I am very comfortable with risk, even wincing a little bit when saying I would put 20% in bonds (perhaps I need to do so...
by ruralavalon
Fri Aug 18, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Active or Indexed for Optimal Risk Management
Replies: 16
Views: 858

Re: Active or Indexed for Optimal Risk Management

My explanation of my preference for index funds over actively managed funds is simpler. In making decisions about funds to use I try to get a good combination of broad diversification (to decrease portfolio risk) and low expense ratios (to increase net return). Index funds are an easy way to achieve...
by ruralavalon
Fri Aug 18, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 12
Views: 1048

Re: Portfolio Review Request

There are some excellent funds offered in his old 401k, so it's probably better not to transfer it into his current 401k. In my opinion the better funds to consider using in his old 401k include: Vanguard Institutional Index Fund (a S&P 500 index fund) (VINIX) ER 0.04%; Vanguard Total International ...
by ruralavalon
Thu Aug 17, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Fees with bad 401K
Replies: 20
Views: 921

Re: Rollover Fees with bad 401K

In general an in-service withdrawal (that is while still employed with that employer) can be done without penalty and tax only if -- 1) your particular 401k plan allows it, and 2) you are over the age of 59.5.

Please see the TFB blog post "In-Service Withdrawal: the Law and the Plan Rules".
by ruralavalon
Thu Aug 17, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie starting new job: Help choosing investments
Replies: 6
Views: 431

Re: Newbie starting new job: Help choosing investments

Welcome to the forum :) . Fidelity Spartan U.S. Equity Index Fund (FXSIX) ER 0.03% is your best choice in your ORP. Prudential Total Return Bond Fund Class Quote (PTRQX) ER 0.43% would be useable in the ORP if there is no better choice in your 457 plan. The Prudential fund is an intermediate-term bo...
by ruralavalon
Thu Aug 17, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice
Replies: 4
Views: 416

Re: Looking for advice

I assume that the "rollover 401k" is an IRA, correct? What fund company is that rollover IRA with? Is the first listed "401k" one from a former employer? What fund firm is the traditional IRA with? Do you plan to be with a different employer next year with a different 401k plan? Expense ratios are c...
by ruralavalon
Thu Aug 17, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice
Replies: 4
Views: 416

Re: Looking for advice

Welcome to the forum :) . Hello, I'm looking to invest my savings and maybe cash out some small investment accounts to put it all in one place - so lets say at least 50k to play with. I have many accounts so everything it probably not very efficient. I had considered a rental property but with the h...
by ruralavalon
Thu Aug 17, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Fees with bad 401K
Replies: 20
Views: 921

Re: Rollover Fees with bad 401K

Congratulations on your imminent marriage :) . Does your 401k offer an employer match? If so what is the match, and how much do you have to contribute to get the full employer match each year? How much are you currently contributing annually to your 401k? About how much do you estimate you can cont...
by ruralavalon
Thu Aug 17, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice
Replies: 8
Views: 464

Re: Roth IRA Advice

Vanguard Emerging Markets VG Long Term Corp Bond Vanguard Mega Cap Growth Vanguard Mid Cap ETF Vanguard REIT Vanguard S&P 500 Growth Vanguard S&P 500 Index Vanguard Small Cap Value Vanguard Total Stock Market . . . . . I guess my thought process for having the ETFs on top of the target fund was bei...
by ruralavalon
Thu Aug 17, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice
Replies: 8
Views: 464

Re: Roth IRA Advice

[quote=mhalley post_id=3496334 time=1502985780 user_id=4188 Sorry for all the links, I got kind of carried away, but I think they will help you. Have you considered starting a self employed retirement plan? Hi there, I forgot to answer this question in my reply. I have looked into Self Employed Ret...
by ruralavalon
Thu Aug 17, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: What type of bond fund for my purpose?
Replies: 22
Views: 1244

Re: What type of bond fund for my purpose?

In "a several year depression scenario" I don't know what type of bonds other than Treasury bonds would be a secure source of cash to live on. I would worry about municipal bonds of any duration, since many local governments have severely underfunded pension liabilities and are often cash strapped ...
by ruralavalon
Thu Aug 17, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX / S&P 500 fund exclusively
Replies: 11
Views: 1336

Re: Holding VTSAX / S&P 500 fund exclusively

I'm about 90% SPY/VOO/VTI and 10% individual stocks. I bought my first allotment of SPY in 2012 and have bought index ETFs regularly since then. I'm mostly retired now (do some software consulting on the side), but when I did work regularly, I bought index ETF allotments every couple of months or s...
by ruralavalon
Thu Aug 17, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Active or Indexed for Optimal Risk Management
Replies: 16
Views: 858

Re: Active or Indexed for Optimal Risk Management

Welcome to the forum :) . My condolences for your loss. I always prefer a good index fund over a good actively managed fund. Low expenses are critical to long-term investing returns. I doubt that the Morgan Stanley advisor can produce extra return sufficient to warrant the extra expense. In my opini...
by ruralavalon
Thu Aug 17, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX / S&P 500 fund exclusively
Replies: 11
Views: 1336

Re: Holding VTSAX / S&P 500 fund exclusively

Has anyone held a total stock market or s&p 500 index fund exclusively in their taxable account for 10+ years.. 15+ years? If so, was it just lump sum investing or did you continue to contribute to it during the ups and downs.. Is investing $50K lump sum every 2-3 years or $2000 per month a better ...
by ruralavalon
Thu Aug 17, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Advice
Replies: 8
Views: 464

Re: Roth IRA Advice

Hello, my wife and I are 34 years old. We own a business and work for ourselves. We have a solid emergency cash savings account and few other savings accounts for things we like to such as travel. We each have a Roth IRA and have finally gotten to where we are maxing them out. The current estimated...
by ruralavalon
Thu Aug 17, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: What type of bond fund for my purpose?
Replies: 22
Views: 1244

Re: What type of bond fund for my purpose?

We would want money to live. We have an emergency cash fund, but I'm looking at a several year depression scenario where we need money. Taking money from retirement accounts in this case would incur a penalty. This would not be a large portion of our portfolio, just a safety net. We are generally i...
by ruralavalon
Thu Aug 17, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing
Replies: 3
Views: 254

Re: New to Investing

Does any one have advice for finding the right type of firm to investigate? I've read about Swedroe and Ferri? Do they still provide help? I think Rick Ferri has retired. I think Larry Swedroe is still in the business with Buckingham Asset Management. Others would include William Bernstein of Effic...
by ruralavalon
Thu Aug 17, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Variable Annuities for 62 Y/O
Replies: 14
Views: 1003

Re: Variable Annuities for 62 Y/O

Don't even consider a variable annuity. Wow! Thank you all so much for the advice! iceport: I just purchased the audiobook version of How to Make Your Money Last . Looking forward to diving in. Thank you. If you want to shop for a low fee immediate annuity, see this website --www.immediateannuities....
by ruralavalon
Thu Aug 17, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: What type of bond fund for my purpose?
Replies: 22
Views: 1244

Re: What type of bond fund for my purpose?

I want to have bonds in my taxable account to have access to money in case of an equity crash. Access to retirement funds is 20+ years away. I know the general advice is tax exempt bonds, but would I want short, intermediate, limited or long term municipal bonds for the situation where equities cra...
by ruralavalon
Thu Aug 17, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Municipal Funds in a Traditional IRA?
Replies: 24
Views: 1121

Re: Municipal Funds in a Traditional IRA?

jbolden1517, What do you think about putting the funds in Fixed Index Annuities? I no nothing about them. I just heard about this a couple of days ago. Allow me to answer. You want to AVOID all such insurance products like the plague! Fixed index annuities are a HORRIBLE idea. Don't buy one. https:...
by ruralavalon
Thu Aug 17, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio for 24 year old
Replies: 17
Views: 1588

Re: Vanguard Portfolio for 24 year old

Since you are in the 25% tax bracket, it is likely better to stick with the traditional 401k. See the Wiki: https://www.bogleheads.org/wiki/Traditional_versus_Roth. As for your emergency fund, my understanding is you cannot add that to a Roth 401k; it would need to be added from your paychecks. The...
by ruralavalon
Thu Aug 17, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Choice Guidance
Replies: 13
Views: 593

Re: 401K Fund Choice Guidance

I think the better plan is contributing the maximum $5.5k/yr to two IRAs, one for each of you, starting this year. Why a Traditional IRA vs Roth IRA? I know with my current tax bracket that its likely to be less in retirement which leans towards the tIRA, but with 30 years till retirement a lot can...
by ruralavalon
Thu Aug 17, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 1555

Re: what % of international stock

. . . . . Just eyeing on BH, I would say the median allocation of equity toward international is somewhere around 20%. Seemingly, we have more 0s than market weight 50s so that is why I guessed 20% median. I have no idea how Vanguard came up with 35-40% Int as is in their target funds, someone smar...
by ruralavalon
Thu Aug 17, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 12
Views: 1048

Re: Portfolio Review Request

I suggest rolling over his Roth IRA to a Roth IRA at a low cost provider like Vanguard, so you can use their low expense ratio mutual funds. Low expense ratios are critical to long-term investing performance. Vanguard blog post, "Stopping the silent killer of returns" . Please see the table at the e...
by ruralavalon
Thu Aug 17, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Choice Guidance
Replies: 13
Views: 593

Re: 401K Fund Choice Guidance

. . . . . I guess where I am struggling is with limited choices in the 401k, how should I diversify until I am able to build up my rIRA accounts enough where I can get to my desired allocation. If I go 100% VINIX in my 401k that puts me all in on the S&P 500 Index. Where do I go from there? Go 100%...
by ruralavalon
Wed Aug 16, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 12
Views: 1048

Re: Portfolio Review Request

Welcome to the forum :) . Is his John Hancock 401k with his current employer? If so will it accept an incoming rollover from his old 401k? Is his "other" 401k from a former employer? You mentioned an "employer contribution" in both 401ks. Are those employer contributions which you get whether you co...
by ruralavalon
Wed Aug 16, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Do you manage your asset allocation like a Target Fund?
Replies: 20
Views: 1394

Re: Do you manage your asset allocation like a Target Fund?

No, I never have.

Currently retired. We have had a 50/50 asset allocation since 2008 before my retirement of 2011, still have that asset allocation, and have no plans to change.
by ruralavalon
Wed Aug 16, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Fees with bad 401K
Replies: 20
Views: 921

Re: Rollover Fees with bad 401K

Congratulations on your imminent marriage :) . Does your 401k offer an employer match? If so what is the match, and how much do you have to contribute to get the full employer match each year? How much are you currently contributing annually to your 401k? About how much do you estimate you can contr...
by ruralavalon
Wed Aug 16, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Novice needing help
Replies: 5
Views: 412

Re: Novice needing help

Hello, I am very new to investment and was hoping for a little guidance. I will have access to 401k, 457k, HSA, and will set up IRAs for my wife and I. I consider myself very conservative (35 yrs old). My overall strategy is the basic 60% stocks and 40% in bonds. In my opinion a 60/40 asset allocat...
by ruralavalon
Wed Aug 16, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Choice Guidance
Replies: 13
Views: 593

Re: 401K Fund Choice Guidance

Asset allocation. Age: 35 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 20-30% of stocks At age 35 I suggest about 20-25% in bonds. This is expected to substantially reduce volatility (risk), with only a relatively slight decrease in return. Graph, "An Efficient...