Search found 11851 matches

by ruralavalon
Thu Dec 14, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer 401k & General Advice
Replies: 5
Views: 330

Re: New Employer 401k & General Advice

Funds to consider in your 401k. In my opinion the better funds to use in your 401k include: 1) Principal Large Cap S&P 500 Index Fund Institutional (PLFIX) ER 0.16%; 2) Dodge & Cox International Stock (DODFX) ER 0.64%; and 3) Dreyfus Bond Market Index Fund Institutional (DBIRX) ER 0.16%. Responses ...
by ruralavalon
Thu Dec 14, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio Review
Replies: 5
Views: 482

Re: My First Portfolio Review

The first test could be frightening if you are 100% stocks, less so with a 20% bond allocation.
by ruralavalon
Thu Dec 14, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 18
Views: 1009

Re: Young Investor: When to diversify

Mr400meterdash wrote:
Thu Dec 14, 2017 12:01 pm
And I would like to stay 100% stocks at the moment but I am doing a bit more research into it as many of the others say target retirement.
For better diversification consider Vanguard LifeStrategy Growth Fund (VASGX) ER 0.14% or a target retirement fund.
by ruralavalon
Thu Dec 14, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: 40,000 to safely invest
Replies: 15
Views: 639

Re: 40,000 to safely invest

Welcome to the forum :) . Congratulations on the soon-to-be second child, and on the soon-to-be ending of his residency. Just received 40,000 to invest. Have no loans other than a mortgage. Where do I place the money to safely invest? Not sure where to allocate it other than in a Allys CDs..Could pu...
by ruralavalon
Thu Dec 14, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 18
Views: 1009

Re: Young Investor: When to diversify

Welcome to the forum :) . Congratulations on your upcoming marriage. It's great to see that you are debt free, starting young at investing, have escaped Edward Jones, and are using a low expense ratio index fund. Hello all, first post here. I switched over from EJ earlier this year and switched all ...
by ruralavalon
Thu Dec 14, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 17
Views: 843

Re: Ameriprise :(

My wife inherited a small taxable Ameriprise account. It took some convincing of her to close it out. I finally convinced her that if we did it then the last 5k of student loans would be gone. Small victory. To OP - i echo the sentiment to transfer all the accounts to a fidelity or vanguard. Set up...
by ruralavalon
Thu Dec 14, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 186
Views: 16716

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

U.S. government issued IOU pieces of paper I must object: Federal Reserve notes are not IOU's. At least they haven't been since 1964 I was using CnC's terminology, not endorsing it, to demonstrate that you can buy necessities of life with government issued currency. Perhaps I should have put "gover...
by ruralavalon
Thu Dec 14, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 617

Re: Help w/ portfolio & w/ approximating stock market

Thanks ruralavalon for taking the time to write such a thorough response. I read all the links that you recommended. ------------------------------------------------------------------- Some questions regarding small caps: 1) I thought the NYSDCB Russell 2500 Index Unitized Account was only small ca...
by ruralavalon
Wed Dec 13, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio Review
Replies: 5
Views: 482

Re: My First Portfolio Review

It's always great to see someone starting young, debt free and primarily using very diversified, low expense ratio index funds. Asset allocation. Age: 26 Desired Asset Allocation: 95% stock/5% bond Desired International Allocation: ~30% of the stock portfolio] At age 26 I suggest about 20 - 25% in b...
by ruralavalon
Wed Dec 13, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio Review
Replies: 5
Views: 482

Re: My First Portfolio Review

Welcome to the forum :) . Questions: My thought process so far has been: 401k options not great, picked the two low cost index funds and a large cap growth fund. Get to AA with the Roth and the taxable. 2018 will be the first year I have a lot of money freed up that I will need to think past the 401...
by ruralavalon
Wed Dec 13, 2017 7:25 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 186
Views: 16716

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

new2bogle2 wrote:
Wed Dec 13, 2017 5:19 pm
CnC wrote:
Wed Dec 13, 2017 2:01 pm
People understand that Bitcoin has no actual value right?
Does government issued IOU pieces of paper?
U.S. government issued IOU pieces of paper are reliable means of exchange, which can be used to buy food, clothing, shelter and medical care.
by ruralavalon
Wed Dec 13, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 617

Re: Help w/ portfolio & w/ approximating stock market

The problem. I have VINIX in my wife’s 403B, but not in my 457b. I have the Equity Index Unitized Account, which is a S&P 500 index. Are you saying that I should sell the small cap in my 457B [Yes] and my portfolio would look like: Your issue was complicated asset allocation and rebalancing, arisin...
by ruralavalon
Wed Dec 13, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 115
Views: 10780

Re: What to do after losing $117k in stock market?

There are not enough words to express my gratitude for all the wonderful and informative responses I have received. I do have some gambling and risk-taking tendencies which caused me dearly. I will try my best to never repeat this mistake. I'm relatively young and have over 30 years left in my care...
by ruralavalon
Wed Dec 13, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Beginner
Replies: 10
Views: 1030

Re: Boglehead Beginner

Despite your good advice, I had a very frustrating and disappointing call with Vanguard today so went back to researching options for a ROTH Solo 401k. E-trade looks the most flexible and offers no-load/NTF mutual funds, EFTs and bonds. They provide cash credits for new accounts (probably $200 plus...
by ruralavalon
Tue Dec 12, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 115
Views: 10780

Re: What to do after losing $117k in stock market?

It is very difficult to resist the temptation to get back in the market. After losing $117k, it is very hard to walk away and accept the mistake even though it is for the best. I was very hard-headed thinking I can outsmart other invetors and the whole market. In the end it was as a wasted of time ...
by ruralavalon
Tue Dec 12, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k to Vanguard IRA
Replies: 5
Views: 262

Re: Rolling over 401k to Vanguard IRA

I am rolling over my 401k into a Vanguard IRA and am looking for a suggest investment portfolio. I will not be actively contributing as I have a new 401k (not with vanguard) that I will be contributing to in order to get their match. I was thinking something along the lines of 50% Total US Market I...
by ruralavalon
Tue Dec 12, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocations
Replies: 13
Views: 718

Re: 401k Asset Allocations

ACJC wrote:
Tue Dec 12, 2017 12:48 pm
Thank you. I’m am trying to increase my risk by adjusting my 401k.
Why do you want to increase your risk?
by ruralavalon
Tue Dec 12, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: how to glean ETF information
Replies: 4
Views: 247

Re: how to glean ETF information

Welcome to the forum :) . Hello everyone; I'm new here. I'm interested in buying into VTI and likely another fund or two but... but I can't make any sense out of the data I see when I look at the Morningstar (or any other) page; and of course there are no offices or face to face to ask questions thr...
by ruralavalon
Tue Dec 12, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 115
Views: 10780

Re: What to do after losing $117k in stock market?

I am not sure why so many folks are telling the OP to just stop speculating. It isn't like the human mind goes, "Oh okay x number of people told me to do y so now I will do y". That is the problem with behavioral finance and this thread is a perfect microcosm of it. Just because you tell the person...
by ruralavalon
Tue Dec 12, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Beginner
Replies: 10
Views: 1030

Re: Boglehead Beginner

Welcome to the forum :) . After lurking here on and off for a few months, I started reading, became a Boglehead convert and decided I would handle my own investments. But I’ve been stuck ever since! I’d be grateful for help getting through this analysis paralysis and on to reconfiguring my accounts ...
by ruralavalon
Tue Dec 12, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 617

Re: Help w/ portfolio & w/ approximating stock market

I suggest simply using Vanguard Total Stock Market Index Fund (VTSAX) in your Roth IRA, and Vanguard Institutional Index Fund (a S&P 500 index fund) (VINIX) in your 403b and 457. The S&P 500 Fund covers 81% of the domestic stock market, and in the 25 years since the creation of the first total stock...
by ruralavalon
Tue Dec 12, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 115
Views: 10780

Re: What to do after losing $117k in stock market?

Thank You. I will admit the thrill is sometimes addictive. I hate myself for losing so much money and trying my best to not repeat this mistake again. I already have 401k matching for employer but I guess the greed in me is always wanting more money which leads to high risk investment. What funds a...
by ruralavalon
Tue Dec 12, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocations
Replies: 13
Views: 718

Re: 401k Asset Allocations

I am 38 and plan to retire at 65. I have no other accounts. I realize that this is high risk de to no bonds. I will adjust as I get older. I am unable to tell exactly what funds. I love in Colorado and taxed at 28%. Emergency account is fully funded. This is through my employment at HCA. Hope that ...
by ruralavalon
Tue Dec 12, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 115
Views: 10780

Re: What to do after losing $117k in stock market?

Welcome to the forum :) . Yes, I feel like the biggest idiot especially in this bull market. I only started investing 3 years ago and got involved in high risk stocks (oil and biotech). Made some really bad picks and took a massive lost. I try to ignore thinking about how much I've lost because I fe...
by ruralavalon
Tue Dec 12, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Where do I put 50k I don't need?
Replies: 23
Views: 2294

Re: Where do I put 50k I don't need?

If you want Fidelity you could use a 50/50 mix of:
Fidelity Total Stock Market Index Fund Premium Class (FSTVX) ER 0.035%
Fidelity U.S. Aggregate Bond Index Fund Premium Class (FSITX) ER 0.045%
by ruralavalon
Tue Dec 12, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocations
Replies: 13
Views: 718

Re: 401k Asset Allocations

I’m thinking of changing my target date fund to... 10% S&P 500 Index 20% International Equity Index 10% Large Cap Value Index 40% Small Cap Value Index 10% REIT Index 10% Emerging Market Thoughts? Thank you :) It's not possible to evaluate any asset allocation in a vacuum. What is your age? About h...
by ruralavalon
Mon Dec 11, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: 25 and in need of help
Replies: 3
Views: 459

Re: 25 and in need of help

Welcome to the forum :) . It's great to see that you are starting young at investing, with no credit card debt, good savings, and pursuing an education. First post for me but just in need of some help, Here are the stats as of right now: 25 year old who just got out of the army on Dec 1st, married f...
by ruralavalon
Mon Dec 11, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on how to start investing
Replies: 6
Views: 621

Re: Need advice on how to start investing

Welcome to the forum :) . Are you contributing the maximum employee contribution of $18k per year ($18.5k next year) to your 401k, or just the amount needed to get the full employer match? It would be very helpful if you would add the full fund names, ticker symbols and expense ratios to the list of...
by ruralavalon
Mon Dec 11, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I put 50k I don't need?
Replies: 23
Views: 2294

Re: Where do I put 50k I don't need?

I want the 50k back someday of course, but I'm not sure when. It's not for retirement or emergency but maybe I'll buy something frivolous in 5-7 years. I don't want to simply put it in a bank nor do I want 100% stock index where it may be down 50%. Perhaps a 50/50 blend between equity and bonds. An...
by ruralavalon
Mon Dec 11, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Choose IRA Rollover Provider - investment options
Replies: 5
Views: 275

Re: Choose IRA Rollover Provider - investment options

Welcome to the forum :) . I am in my mid fifties and have several 401Ks from previous employers. Their fees do not seem large but I would like to get more options and I think I can do that with a IRA rollover. I live in New York State so I've read the rollover IRA will have the same protections as a...
by ruralavalon
Mon Dec 11, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 21
Views: 1263

Re: No transaction fee for Vanguard ETFs?

Hello, I was looking at the brokerage fees at Vanguard and it looks like you can get Vanguard ETFs without any commission. That sounds too good to be true. Why would anyone use investor class mutual funds when they can get the ETF with a lower expense ratio and no transaction fee? In addition, ETFs...
by ruralavalon
Mon Dec 11, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Minimize Expense Ratios or Bonds in 401(k)?
Replies: 10
Views: 624

Re: Minimize Expense Ratios or Bonds in 401(k)?

The three bond funds listed above are correct. None have ticker symbols, and the fact sheets aren't online. I have included the investment strategy from the respective fact sheets below. The fixed income fund seemed like the only decent choice, but I may have to reevaluate depending on what the Bog...
by ruralavalon
Mon Dec 11, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: New Investor Need advice
Replies: 16
Views: 822

Re: New Investor Need advice

In my opinion your desired 80/20 stock/bond asset allocation is within the range of what is reasonable at age 34. I suggest around 20-30% of stocks in international stocks. That would work out to about 20% bonds, 20% international stocks, and 60% domestic stocks. In your 401k I suggest: Fidelity 500...
by ruralavalon
Mon Dec 11, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Minimize Expense Ratios or Bonds in 401(k)?
Replies: 10
Views: 624

Re: Minimize Expense Ratios or Bonds in 401(k)?

The three bond funds listed above are correct. None have ticker symbols, and the fact sheets aren't online. I have included the investment strategy from the respective fact sheets below. The fixed income fund seemed like the only decent choice, but I may have to reevaluate depending on what the Bog...
by ruralavalon
Mon Dec 11, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 15
Views: 1237

Re: 401K / Roth IRA Decision

28% tax bracket + NJ state tax The 401k matches 3% and the expense ratio is 1.47 % for target date + a 1% fee on the account balance . S & P fund has an ER of 1% Idk how long planning on staying - but not leaving any time soon ... Small company, seems like a costly 401K. Still do up to match ? Defi...
by ruralavalon
Sun Dec 10, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Minimize Expense Ratios or Bonds in 401(k)?
Replies: 10
Views: 624

Re: Minimize Expense Ratios or Bonds in 401(k)?

Russell Investment Contract Fund (0.30%) The Investment Contract Fund seeks to provide safety of principal and a favorable rate of return. Russell Fixed Income Fund (0.41%) Russell Inflation Protected Securities Fund (0.28%) These bond funds have fairly low expense ratios. Any one might be a good c...
by ruralavalon
Sun Dec 10, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Need advice
Replies: 16
Views: 822

Re: New Investor Need advice

Welcome to the forum :) . Expense ratios are critical in selecting funds to use. Often funds in a 401k are offered with different expense ratios than when offered to the general public, so we can't just look them up. Ticker symbols help in identifying exactly what funds are offered. Please simply ad...
by ruralavalon
Sun Dec 10, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Minimize Expense Ratios or Bonds in 401(k)?
Replies: 10
Views: 624

Re: Minimize Expense Ratios or Bonds in 401(k)?

My 401(k) offers an actively-managed bond fund with ER of 0.41% and a Russell 1000 stock index at ER of 0.13%. I also have a Vanguard Roth IRA that could fit my entire bond allocation at an ER of 0.15% (and eventually 0.05% with Admiral shares). The general consensus seems to prefer putting bonds i...
by ruralavalon
Sun Dec 10, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 15
Views: 1237

Re: 401K / Roth IRA Decision

Annual netcome: 95K; 28% tax bracket; Currently have Roth IRA @ Vanguard: Target Date 2050 set and forget. Planning on max contribution while still eligible. Going to be eligible for 401K in January ... can you max out Roth contribution AND 401K contribution ? 1. Max Roth and 401K? - Max 401K only?...
by ruralavalon
Sun Dec 10, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash heavy and unsure
Replies: 12
Views: 1019

Re: Cash heavy and unsure

Welcome to the forum :) . My age is mid 40s. Net worth is 2.5-3 m depending on real estate values Debt is 0 Allocation is 1+ m equities (most individual, some funds) = about 36% of total 700,000 cash = about 25% of total 120 bond or bond funds = about 5% of total the rest real estate = about 34% of ...
by ruralavalon
Sun Dec 10, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4006

Re: Does a Boglehead ever time the market?

Wow that is a lot of replies and a lot of info to digest, thanks to everyone for the advice and the time spent replying, its a bit overwhelming I feel like I have dived in head first. For the record I am 34, timeframe is 20 years + and my nestegg is a lump sum, not a few hundred. At age 34 I sugges...
by ruralavalon
Sun Dec 10, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5621

Re: Interesting ride so far - Crypto-curriencies

I love this forum, but it's not a good place to discuss cryptocurrencies unfortunately. You would never own cryptocurrencies if you listened to the consensus here, so I don't think asking this forum for advice on it is going to bear much fruit. I am personally a big believer in crypto currencies an...
by ruralavalon
Sun Dec 10, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation Best fund for retirees in taxable
Replies: 20
Views: 753

Re: Recommendation Best fund for retirees in taxable

I would like a recommendation for a fund for several risk averse retirees in a taxable account. The main goal is for the money (low 6 figures) to keep up with inflation. They are ok with an allocation to stocks. They have no need for this money for anticipated expenses, only potentially for medical...
by ruralavalon
Sun Dec 10, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing a Fidelity Bond Index Fund
Replies: 19
Views: 972

Re: Help Choosing a Fidelity Bond Index Fund

Hi, I'm in the process of restructuring my Roth IRA holdings to be three funds- total stock, total bond, total international. I was looking at FSITX in Fidelity, and I was wondering why it received only a 3 star rating from Morningstar. Is this the best Fidelity Total Bond Index Fund, or are there ...
by ruralavalon
Sun Dec 10, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Have been sitting out, and ready to invest the Bogle way
Replies: 18
Views: 2273

Re: Have been sitting out, and ready to invest the Bogle way

Got it. I plan to contribute $5.5k to my Roth IRA account. Is the $5.5k you mentioned add'l to that? For 2017 you can each contribute $5.5k to an IRA, total of $11k. Age: me 45, husband 49 At age 50 and older the IRA contribution limit is $6.5k per year, so that higher limit will apply next year fo...
by ruralavalon
Sun Dec 10, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5621

Re: Interesting ride so far - Crypto-curriencies

Sell! Sell! Sell! No sir! There is a lot more money to be made! How do you know there is more money to be made? Starting today skeptics can short bitcoin. I do understand that this gamble is exciting, all gambling is. But this will not end well. This certainly looks like a bubble. Sell, sell, sell.
by ruralavalon
Sun Dec 10, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Have been sitting out, and ready to invest the Bogle way
Replies: 18
Views: 2273

Re: Have been sitting out, and ready to invest the Bogle way

If you are not working you out cannot contribute to a 401k. You can only contribute to a 401k by salary deferral. Even if not working yourself you can contribute to an IRA up to the normal limit of $5.5k per year, if your spouse is working and your tax filing status is "married filing jointly". If e...
by ruralavalon
Sun Dec 10, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Bond choices in multiple 401(k) accounts
Replies: 12
Views: 846

Re: Bond choices in multiple 401(k) accounts

I suppose my decision now is whether to use the Vanguard intermediate-term treasury instead of PIMCO Total Return fund. Good points all around on that. I do have some access to tax-advantaged space in HSAs and rollover accounts at Fidelity. I am intrigued by mega317's suggestion to use the low ER f...
by ruralavalon
Sat Dec 09, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: A new boglehead with questions
Replies: 6
Views: 584

Re: A new boglehead with questions

Welcome to the forum :) . Hello! I am a new member to this forum. Over the last year I have become very interested in and convinced of the necessity to invest, and invest wisely. I just left Edward Jones and transferred all of my accounts to Vanguard. My wife and I have two Roth IRAs ($20,000) and a...