Search found 9602 matches

by ruralavalon
Sat Feb 18, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fund recommendation
Replies: 14
Views: 1091

Re: Fund recommendation

Here is my current portfolio: TSP account(ROTH): I fund(20%), G fund(5%), C fund(40%), S fund (35%)--will max out in a few month Bank account: CD(90%), Saving/checking(10%). I have stable monthly income IRA account(ROTH): 100% Vanguard Total Stock(VTSAX)--max out Individual account(non-retirement):...
by ruralavalon
Sat Feb 18, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 10
Views: 730

Re: How do you invest de proceeds

from your RMD's????? Many thanks! parigi. :dollar We do not invest the proceeds from my Required Minimum Distributions. I take Required Minimum Distributions proportionally from each fund in my rollover IRA, which is about 85% of our total portfolio, so it has little impact on the asset allocation ...
by ruralavalon
Sat Feb 18, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Is Your Asset Allocation Reading Accurate?
Replies: 4
Views: 417

Re: Is Your Asset Allocation Reading Accurate?

We primarily use index funds, have just one managed fund, and don't use any balanced funds, so Vanguard is accurate enough for our purposes. Morningstar is better.
by ruralavalon
Sat Feb 18, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: PMJXX anyone familiar with this? [Princial Money Market Class J]
Replies: 6
Views: 244

Re: PMJXX anyone familiar with this?

Trying to help my mother who is retired. She has money in this Principal Money Market Fund (short term fixed income) through Principal Life Insurance Company Is this an annuity? She just stated receiving dividends, however, for years she did not. I thought since this is a money market it should be ...
by ruralavalon
Sat Feb 18, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 10
Views: 745

Re: 401k & Portfolio Allocation

In the old traditional 401k from employer A what are the lowest ER bond funds offered, and what are the lowest ER international stock funds offered? I assume that you are still allowed to exchange funds inside that account.
by ruralavalon
Sat Feb 18, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing strategy.
Replies: 21
Views: 1802

Re: Help with investing strategy.

I am sorry to see that you have been ill. Thanks for all the help and sorry its been awhile since i last posted i have been very sick. Here is my investing an debt stats my ira 12000 Is that Roth or traditional? Where is the account located? my wife 12000 Is that an IRA? Is that Roth or traditional?...
by ruralavalon
Sat Feb 18, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Fund recommendation
Replies: 14
Views: 1091

Re: Fund recommendation

I also have TSP account and investing 20% in I fund(equivalent to Total International Stock Index Fund), and that is why I didn't considered it to add it here. Of course, adding that fund here also another option. I spoke a financial advisor today and recommended to continue investing only in Total...
by ruralavalon
Sat Feb 18, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 56
Views: 5189

Re: Is it reasonable to have 100% in the stock market?

I can invest in Vanguard total bond fund (VBTLX) which seems like a good choice (low cost, diversified). Other options are intermediate term investment grade (VFICX), intermediate term index (VBILX), long term index (VBLTX), long term corporate (VLTCX), and high yield corporate (VWEHX). Maybe just ...
by ruralavalon
Fri Feb 17, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: [Should I buy Vanguard funds or Fidelity?]
Replies: 9
Views: 1067

Re: [Should I buy Vanguard funds or Fidelity?]

Simple, if at Fidelity use Fidelity Index funds and if at Vanguard use Vanguard Index funds. So in your case use Fidelity and avoid the extra fee.
by ruralavalon
Fri Feb 17, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 56
Views: 5189

Re: Is it reasonable to have 100% in the stock market?

An including 20% bonds in an asset allocation has historically produced a significant reduction in portfolio volatility (reduced risk)with only a relatively small reduction in portfolio gain.

thepianoman: You mentioned $185k in your 401k. What bond funds are offered in your 401k?
by ruralavalon
Fri Feb 17, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar Ratings?
Replies: 7
Views: 326

Re: Morningstar Ratings?

Vision6800 wrote:Are these a good guide? I'll start to like a fund and find out it has an average rating, and I can't explain why.

Their star ratings are not very useful. A good index fund will almost of necessity have a 3 star rating, meaning a past performance that was average for its fund type.
by ruralavalon
Fri Feb 17, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 20
Views: 920

Re: Tell me about Alaska

Alaska Railroad has passenger trains, which run from Seward to Anchorage to Denali to Fairbanks. http://www.alaskarailroad.com We took the train from Anchorage to Denali and enjoyed the trip a lot. There are bus tours that take you into Denali National Park. I also suggest some time in Seward, and a...
by ruralavalon
Fri Feb 17, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 22
Views: 2472

Re: Vanguard Service problems in the news

Hopefully this sort of article will help to prod Vanguard toward improvement. And Vanguard's fiercely loyal investors have proven to be one of their most effective markting tools, spreading the word about the advantages of low-cost, buy-and-hold investing. The Bogleheads board is filled with effusi...
by ruralavalon
Fri Feb 17, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 22
Views: 2472

Re: Vanguard Service problems in the news

Duplicate post deleted.
by ruralavalon
Fri Feb 17, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Need portfolio/asset clarification
Replies: 6
Views: 226

Re: Need portfolio/asset clarification

Welcome to the forum :) . I think you can probably do this yourself. It's good to see that you are interested in a three-fund portfolio, a very simple way to do low cost index investing. Hello, Long time lurker. I have just finished reading the "Guide to Investing" and the Wiki, but I stil...
by ruralavalon
Fri Feb 17, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 10
Views: 745

Re: 401k & Portfolio Allocation

You say "old 401ks are at Vanguard" and "Old Traditional 401k's combined 90K", I assume you mean that the 401ks from former employers have been transferred to a rollover IRA at Vanguard. Is that correct? Actually, no--- Vanguard is administrator for the plans, I was happy with t...
by ruralavalon
Fri Feb 17, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Fund recommendation
Replies: 14
Views: 1091

Re: Fund recommendation

VTSAX Inception date on 11/29/2011 @ $25.00. Price as of 2/16/2017 is $26.19.Basically it has not gone anywhere in over 5 yrs. Ignoring the dividends is a big mistake. 11/29/2011 was not the inception of Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX). But since 11/29/2011 an investme...
by ruralavalon
Fri Feb 17, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 60
Views: 4054

Re: Please list value funds you currently use

livesoft wrote:
fourwedge wrote:Domestic small: VTIAX

I LOVE the typo. :)

This illustrates one good reason to use the fund name in addition to the ticker.
by ruralavalon
Fri Feb 17, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: 300k to invest for the long term, am I on the right track?
Replies: 6
Views: 833

Re: 300k to invest for the long term, am I on the right track?

Thank you all for the constructive answers! I am further researching your answers and book suggestions now. To follow up and answer some of your questions: My goal for this 300k is to grow it as much a possible until retirement, and then be able to live off passive income from it. I mentioned 5+ ye...
by ruralavalon
Thu Feb 16, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: 300k to invest for the long term, am I on the right track?
Replies: 6
Views: 833

Re: 300k to invest for the long term, am I on the right track?

Here are some random observations. 5+ years is not long-term. In general you have the right idea in using low expense ratio, very diversified, index funds. You have obviously given this a lot of thought. For short-term savings needs (money needed in 5 years or less), use federally insured savings ac...
by ruralavalon
Thu Feb 16, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with decision on Fidelity 401k
Replies: 10
Views: 498

Re: Help with decision on Fidelity 401k

That seems odd to me.

I don't know, but if you exchange everything in the Fidelity 401k into a money market fund will Fidelity do a "trustee to trustee" rollover of the cash to Vanguard?
by ruralavalon
Thu Feb 16, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on a place to open an individual 401k
Replies: 2
Views: 82

Re: Need advice on a place to open an individual 401k

I believe that Fidelity individual 401ks allow rollovers from other plans.
by ruralavalon
Thu Feb 16, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 111
Views: 5087

Re: Credit cards vs. Cash

Look. Let's make this concrete. Let's say that boglehead A has a $400 grocery cash envelope. That boglehead will always spend less money in the grocery store than boglehead B, who has a $400 mint.com grocery budget category. This is not rocket surgery. Rocket surgery? That could mean so many things...
by ruralavalon
Thu Feb 16, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 10
Views: 745

Re: 401k & Portfolio Allocation

In your early 30s I suggest around 20% in bonds. I suggest in the area of 20 - 30% of stocks in international stocks. That works out to about 20% bonds, 20% international stocks and 60% domestic stocks. In my opinion it would probably be better to increase both your bond and international stock hold...
by ruralavalon
Thu Feb 16, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Fund recommendation
Replies: 14
Views: 1091

Re: Fund recommendation

Welcome to the forum :) . Hello everyone: Currently I’m investing 100% in Vanguard Total Stock(VTSAX) for both my retirement and non-retirement. I want to invest only in US stocks. Investing only in one fund may be risky, so I’m thinking to add one or more additional funds to diversify it and minimi...
by ruralavalon
Thu Feb 16, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 56
Views: 5189

Re: Is it reasonable to have 100% in the stock market?

Thanks for all the comments and feedback. I think I will keep an aggressive AA but not 100% stocks, 80/20 probably. Maybe I should start a new thread for this question, but if you are in a high tax bracket, live in California, and are investing inside a taxable account, why would you invest in a to...
by ruralavalon
Wed Feb 15, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Portfolio for 80k
Replies: 4
Views: 428

Re: Help with Vanguard Portfolio for 80k

Chai wrote:I edited the information and included some more information. I hope this helps

The unrealized capital gain/loss status is important to know for the taxable account, not for the IRA.

Is there a work-based plan offered at your job? Is so is there an employer match offered?
by ruralavalon
Wed Feb 15, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why Dollar Cost averaging is lousy
Replies: 23
Views: 2502

Re: Why Dollar Cost averaging is lousy

I get paid twice a month So invest regularly every pay period. Investing regularly every pay period is certainly a good idea. That's not what the article is about. The article is all about what to do if you have "a large lump sum of cash you want to invest for retirement -- a windfall, an inhe...
by ruralavalon
Wed Feb 15, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401K Fund Allocations
Replies: 9
Views: 398

Re: Help w/ 401K Fund Allocations

Thank you for the suggestions. My wife works for the same company and is currently invested in in all the same funds except she is in VTIAX instead of RERGX. Is it wise to hold the same exact funds in the same exact allocations, or should we hold the same funds in different allocations? I am just a...
by ruralavalon
Wed Feb 15, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Portfolio for 80k
Replies: 4
Views: 428

Re: Help with Vanguard Portfolio for 80k

Please try to make it a point to use fund or ETF names in addition to the ticker symbols, that makes it a lot easier to understand what you are asking about. Which ETFs are currently in the tax advantaged account (29%), and which are currently in the taxable account (71%)? It may make a big differen...
by ruralavalon
Wed Feb 15, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Why Dollar Cost averaging is lousy
Replies: 23
Views: 2502

Re: Why Dollar Cost averaging is lousy

I get paid twice a month So invest regularly every pay period. Investing regularly every pay period is certainly a good idea. That's not what the article is about. The article is all about what to do if you have "a large lump sum of cash you want to invest for retirement -- a windfall, an inhe...
by ruralavalon
Wed Feb 15, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401K Fund Allocations
Replies: 9
Views: 398

Re: Help w/ 401K Fund Allocations

Any recommendations as to which international fund is worth it as between RERGX and VTIAX? Both American Funds EuroPacific Growth R6 (RERGX) ER 0.50% and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) ER 0.12% are good funds. When offered the choice of a good actively managed ...
by ruralavalon
Wed Feb 15, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 19
Views: 1338

Re: Gold vs 401k

Don't do it.

Gold and silver do not produce a product, provide a service, generate earnings, or pay a dividend. The companies whose stocks are in the S&P 500 index do that.

Any comparison that does include the stock dividends is extremely misleading.
by ruralavalon
Tue Feb 14, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 9598

Re: Bogleheads not the norm?

corysold wrote:It doesn't seem like being a Boglehead is about how much you make, but how you handle the amount you make.

Well said.
by ruralavalon
Tue Feb 14, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2129
Views: 578023

Re: What Book Are You Currently Reading? Part VI

Cross Creek, by Marjorie Kinnan Rawlings.

This is a very nice memoir about rural life in Central Florida in about 1930. I found the stories about the people far more interesting that descriptions of the land, weather, animals or foliage.
by ruralavalon
Tue Feb 14, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need Emerging Market Index fund: any suggestions?
Replies: 6
Views: 355

Re: Need Emerging Market Index fund: any suggestions?

Vanguard Emerging Markets Index Fund, VEIEX or VEMAX, is a good choice.

By the way I don't think it's wise to use the Invesco small-cap value fund at an ER of 1.11%. I would rather skip small-cap and use just the S&P 500 index fund for domestic stocks.
by ruralavalon
Tue Feb 14, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for opinions [when to invest cash]
Replies: 7
Views: 533

Re: Looking for opinions

Welcome to the forum :) . That's a healthy nest egg to have entering retirement. Congratulations on that. I will be retiring in the next 60 days. I am 63 yrs old. I will have around 2.3 million to do -something with, currently 650k in 401 700k at Fidelity, 200k in bank. March first I will receive a ...
by ruralavalon
Tue Feb 14, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 9598

Re: Bogleheads not the norm?

Curious after reading and trying to follow the bogle way how many people really do and have what it appears everyone on here does? I mean how many (regular) people actually have 6-12 month EF, max out their retirement each year, live debt free, and make enough money to do all of those things? . . ....
by ruralavalon
Tue Feb 14, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: New job - 403B options
Replies: 9
Views: 340

Re: New job - 403B options

Welcome to the forum :) . Hello all, So I recently started a new job, that offers a 403B through TIAA. After I've been here a year and I'm contributing a minimum of 3%, the company will add in 7.5%. Definitely don't want to throw away free money! Because I just turned 50, I could sock away $24k of m...
by ruralavalon
Tue Feb 14, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 17
Views: 809

Re: Pay off car loan early or contribute to Roth IRA(s)?

Contribute to the Roth IRA for 2016 and 2017, rather than advance pay on the 0.9% interest car loan.
by ruralavalon
Tue Feb 14, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: VFINX vs VTSMX?
Replies: 1
Views: 209

Re: VFINX vs VTSMX?

zback wrote:For long term in a roth, which one would you go with? I plan on converting to admiral shares.

I would use Vanguard Total Stock Market Index Fund (VTSMX) for its better diversification.
by ruralavalon
Tue Feb 14, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Where should i put my Roth IRA?
Replies: 2
Views: 234

Re: Where should i put my Roth IRA?

I'm 32 years old and just pulled out the $7k in my Roth IRA I had at ICMA-RC and switched it over to Vanguard. Should I put this money in a target date retirement fund Roth IRA, a 3 fund portfolio Roth IRA, or something else? Here is a financial picture for me: -32 years old with a 5 year old kid -...
by ruralavalon
Tue Feb 14, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 111
Views: 5087

Re: Credit cards vs. Cash

We use credit cards for most purchases, and pay the cards off in full each month. Using credit cards helps in tracking expenses.
by ruralavalon
Tue Feb 14, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 56
Views: 5189

Re: Is it reasonable to have 100% in the stock market?

In my opinion an asset allocation around 80/20 or 70/30 might be more reasonable.
by ruralavalon
Tue Feb 14, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Forbes Article - Best Vanguard funds for retirement
Replies: 12
Views: 848

Re: Forbes Article - Best Vanguard funds for retirement

http://www.forbes.com/sites/michaelfoster/2017/01/25/the-4-best-vanguard-retirement-funds/#1b76d8034c75 Since I am looking to invest in Vanguard and following the bogleheads philosophy, would you agree with the article linked above? No, I don't agree. Vanguard 500 Index Fund and Wellesley Income Fu...
by ruralavalon
Tue Feb 14, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 60
Views: 4054

Re: Please list value funds you currently use

You know, for this thread and almost every other thread, it would be so much more user friendly and helpful if people would include the names of their funds. Some of you may have memorized every symbol known to man, but most of us haven't. Would it be so hard to include the names with your symbols?...
by ruralavalon
Tue Feb 14, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 223
Views: 23512

Re: Retreat to cash

This is why I have given up trying to predict the market. The dumb money ceases to be dumb once it realises it knows nothing! I too have been humbled enough by trying to predict the market, that I've given up trying. I'm reminded of a bumper sticker that was popular a few years back: Get In. Sit Do...
by ruralavalon
Mon Feb 13, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: 37-yr-old new investor with Vanguard
Replies: 7
Views: 793

Re: 37-yr-old new investor with Vanguard

Welcome to the forum :) . I think that you are wise to consider doing it yourself. I suggest opening accounts at a low cost provider like Vanguard. Will you be sole proprietors, or will you have co owners? Will you have employees? Since you will be self employed you have other possible account choic...
by ruralavalon
Mon Feb 13, 2017 6:17 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 60
Views: 4054

Re: Please list value funds you currently use

Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX). That's it.

No international tilts.
by ruralavalon
Mon Feb 13, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: No company match question.
Replies: 20
Views: 780

Re: No company match question.

so your saying, I can contribute to my solo 401k or my new work 401k but not both? Sorry Im confused this is the first time I had options of two different 401ks. About how much (in dollars, total all accounts) do you think that you might be able to contribute annually to investing? Is there a High ...

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