Search found 8320 matches

by ruralavalon
Sat Jul 23, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 21
Views: 1670

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

I always invested whenever I had money to invest, in my opinion there is no good reason to wait.
by ruralavalon
Sat Jul 23, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k Asset Allocation
Replies: 2
Views: 266

Re: Fidelity 401k Asset Allocation

What is your age?

I suggest a larger international stock allocation, at least 20% of total stocks.

Do you have any other accounts? If so what type of accounts, where are they located, and what investments are in them?
by ruralavalon
Sat Jul 23, 2016 1:59 pm
Forum: Investing - Theory, News & General
Topic: Declining or Rising equity allocation in retirement?
Replies: 50
Views: 2784

Re: Declining or Rising equity allocation in retirement?

And if anyone thinks I write my blogs and post here to sell books they literally have no clue about what they are talking yet they feel free to express their certainty. Amazing. Best wishes Larry Larry, Thank you very much for taking the time to post your most helpful information on this site. Othe...
by ruralavalon
Sat Jul 23, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: In search of a guidebook/primer on selecting mutual/index funds
Replies: 19
Views: 1315

Re: In search of a guidebook/primer on selecting mutual/index funds

Welcome to the forum :) . I agree on the reading recommendations so far. Also please see the wiki article "Bogleheads Investment Philosophy". Taylor Larimore, would you say it's necessary to pay for a Morningstar subscription, or is the free (yet limited) access sufficient for the beginner...
by ruralavalon
Sat Jul 23, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Help rebalance existing 403B
Replies: 12
Views: 534

Re: Help rebalance existing 403B

There are some nice funds offered in your 401k/457, you are fortunate. In selecting funds strive for broad diversification (to decrease your risk) and low expense ratios (to increase your net return). Also can anyone comment on my existing selections for 457/401K and the 403B i picked at vanguard be...
by ruralavalon
Fri Jul 22, 2016 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Two fund Portfolio Review
Replies: 5
Views: 877

Re: Two fund Portfolio Review

8. Hopefully I am not missing something?? . . . . . We decided 90/10 is pretty aggressive and changed to 80/20. We set a new asset allocation glide path based on this. Now we're done tinkering. My wife contributes 12k annually to her 401k. We both max our Roth IRA's totalling 11k. I am currently un...
by ruralavalon
Fri Jul 22, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help rebalance existing 403B
Replies: 12
Views: 534

Re: Help rebalance existing 403B

I didn't see Vanguard Total Stock Market Index Fund Institutional Shares (VITSX) in the list of 403b funds, it was not listed with the other total market funds. I agree that it should be considered in the 403b.
by ruralavalon
Fri Jul 22, 2016 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Add a Value Index Fund to Our Stock Portfolio?
Replies: 4
Views: 323

Re: Should I Add a Value Index Fund to Our Stock Portfolio?

Our US stock portfolio is 100% VTSAX. This article states that I can further diversify and increase my returns by adding a value index fund or funds. Any feedback will be appreciated. http://www.marketwatch.com/story/why-vanguard-total-stock-market-isnt-the-best-fund-in-the-fleet-2014-12-03?page=1 ...
by ruralavalon
Fri Jul 22, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: No VG funds in 401k! HELP!
Replies: 26
Views: 1668

Re: No VG funds in 401k! HELP!

I chose the Wells Fargo CITN20 fund. I have read/heard that CIT funds are very complicated when you end up leaving the firm. Unlike a traditional fund, you have to liquidate the CIT and roll over the cash proceeds into an IRA. I don't see any extra complication in using a CIT, you sell any type of ...
by ruralavalon
Fri Jul 22, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across accts for a beginner
Replies: 4
Views: 452

Re: Help with asset allocation across accts for a beginner

Asset allocation. Age: 42 Desired Allocation: 49% US stock/21% Foreign Stock/30%bond (30% large cap, 15% small cap, 4% real estate?) In my opinion your desired asset allocation is within the range of what is reasonable. I would not be too concerned about skipping a small-cap allocation or REIT allo...
by ruralavalon
Fri Jul 22, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help rebalance existing 403B
Replies: 12
Views: 534

Re: Help rebalance existing 403B

It's good to see that you are debt free. It's also good to see than you plan to make the maximum contributions to your 457b and the two IRAs. What contributions do you plan making to your current 401k? What are the funds (fund names, tickers & expense ratios) offered in your current 401k and cur...
by ruralavalon
Fri Jul 22, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: Declining or Rising equity allocation in retirement?
Replies: 50
Views: 2784

Re: Declining or Rising equity allocation in retirement?

http://www.etf.com/sections/index-investor-corner/swedroe-declining-or-rising-equity-strategy-retirement There has been some debate recently on the subject, IMO there should not be Larry Thank you for the link. Static for us. Age 70, in the 5th year of retirement, no pension or annuity, our asset a...
by ruralavalon
Fri Jul 22, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Would it be wise to sell my index fund??
Replies: 9
Views: 910

Re: Would it be wise to sell my index fund??

Hello All, I've been following the traditional investing strategy here by buying low expense cost indexes and holding on to them. I have one index (VEXAX) where I feel that average cost per share is bought at a rather high price ($62.70). Given the recent market run up, would you advise that I sell...
by ruralavalon
Fri Jul 22, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Help rebalance existing 403B
Replies: 12
Views: 534

Re: Help rebalance existing 403B

Welcome to the forum :) . Do you have a desired asset allocation that you want to aim for? What are the other funds (fund names, tickers & expense ratios) offered in this 403b? Do you have any other accounts, and if so what are they and what investments do you hold there? It's usually best to co...
by ruralavalon
Fri Jul 22, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: should I own both of these
Replies: 6
Views: 470

Re: should I own both of these

I would just use Vanguard Total Stock Market Index Fund. Vanguard Extended Market Index Fund just overlaps and duplicates the smaller stocks in the total market fund.
by ruralavalon
Fri Jul 22, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: REIT , bubble and timing the market
Replies: 9
Views: 1180

Re: REIT , bubble and timing the market

Hi all, I know a boglehead investor should not try to time the market, but does that apply to property too? I took a look of VNQ Vanguard REIT Index Fund) and it is higher than 2007, which was the property bubble pre-crash days... Does that tell us anything about the health and sustainability of RE...
by ruralavalon
Fri Jul 22, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: My first stab at Index Funds... please Help
Replies: 10
Views: 1305

Re: My first stab at Index Funds... please Help

Benjamin Graham, the legendary value investor and author, is the person who caught Warren Buffett how to invest. Benjamin Graham's suggestions:

never less than 25% bonds
never more than 75% bonds
by ruralavalon
Fri Jul 22, 2016 9:45 am
Forum: Investing - Help with Personal Investments
Topic: New Investor - Need Help with 401K Fund Elections
Replies: 4
Views: 282

Re: New Investor - Need Help with 401K Fund Elections

Thank you very much ruralavalon. I will follow these suggestions and have started reading all the articles suggested by you. Couple of Quick questions though, are you suggesting to move over the existing balance to these suggested funds as well ? Yes. The suggestion is to switch both the existing b...
by ruralavalon
Fri Jul 22, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 124
Views: 7395

Re: How many folks choose to give inheritance to their children in unequal portions?

Split it equally. Why short change the more responsible children? Why harm the less responsible children by giving them more ability to overspend, and less incentive to be more responsible?
by ruralavalon
Fri Jul 22, 2016 9:19 am
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 35
Views: 3175

Re: Are you feeling uncomfortable? [with your investments]

I am feeling fine with our investments, haven't made any changes and plan none.
by ruralavalon
Thu Jul 21, 2016 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across accts for a beginner
Replies: 4
Views: 452

Re: Help with asset allocation across accts for a beginner

Welcome to the forum :) . It's good to see a non-outrageous student debt, and a small mortgage. Those are very good choices in reading materials (White Coat Investor, Bogleheads, Bernstein). You haven't really done too bad, considering that you used the "eeny-meeny method of fund selection"...
by ruralavalon
Thu Jul 21, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Questions - Need advice
Replies: 18
Views: 1207

Re: Asset Allocation Questions - Need advice

Vanguard adviser thought I would have advantages moving the funds to Vanguard, as much as allowed, instead of cashing at Merrill because: 1) that way vanguard will have the cost basis which will make it simpler for me to do my taxes 2) they can better advise me on transitioning out of funds, while ...
by ruralavalon
Thu Jul 21, 2016 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: My first stab at Index Funds... please Help
Replies: 10
Views: 1305

Re: My first stab at Index Funds... please Help

Just updated my situation, I had forgotten about my Chase Bank and Prosper.com Taxable Investments. Any thought on what to do with my Chase Bank Investments? You could open a taxable brokerage account at Vanguard and use tax-efficient stock index funds, such as Vanguard Total Stock Market Index Fun...
by ruralavalon
Thu Jul 21, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Life event - Advice for retirement accounts?
Replies: 11
Views: 1353

Re: Life event - Advice for retirement accounts?

1- No idea what my retirement plans are..early retirement sounds nice. A lot will depend on my dependents and how burnt out I will be from my job. 2- No pension. My new job will offer 403b with employer match. I am switching from a government employer to a private/nonprofit organization. To clarify...
by ruralavalon
Thu Jul 21, 2016 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund Symbol confusion: e.g. SIA-WJ, SIA-WU, etc.
Replies: 4
Views: 270

Re: 401k fund Symbol confusion: e.g. SIA-WJ, SIA-WU, etc.

Thank you. Since posting my question, I decided to go 100% into my workplace 401k S&P 500 index fund with an expense ration of 0.62%. My average expense ratio for all the other funds I picked was 1.09%. I will balance using my vanguard taxable account and vanguard roth to achieve my overall all...
by ruralavalon
Thu Jul 21, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Small Roth IRA. Help with investment choice
Replies: 5
Views: 346

Re: Small Roth IRA. Help with investment choice

I wonder what people's opinions would be on something like the Total Bond Fund? OP has no real emergency fund as far as I can tell, $10k in savings can't be more than 2 months of their living expenses, AND they are trying to double dip and use it as a house fund. So probably they need to build up t...
by ruralavalon
Thu Jul 21, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor - Need Help with 401K Fund Elections
Replies: 4
Views: 282

Re: New Investor - Need Help with 401K Fund Elections

We don't have any other personal IRA accounts. We are researching regarding that and planning to invest. I am not really familiar with real estate (REIT index fund) investments. But as per the rule, diversification is always a good thing and if you have opinion regarding the REIT fund available in ...
by ruralavalon
Thu Jul 21, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor - Need Help with 401K Fund Elections
Replies: 4
Views: 282

Re: New Investor - Need Help with 401K Fund Elections

Welcome to the forum :) . Its great to see that you are debt free, and starting young at investing. There are some very good funds offered in each 401k, you are fortunate. Asset allocation. Age: 31 Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 20% of stocks In my...
by ruralavalon
Thu Jul 21, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Small Roth IRA. Help with investment choice
Replies: 5
Views: 346

Re: Small Roth IRA. Help with investment choice

Welcome to the forum :) . Age: Me: 28 Husband: 29 . . . . . I have a small Roth IRA ($3,000) that I just transferred to Vanguard, and it is currently sitting in cash. I am unsure where I should invest the money. While I intend to use this money for retirement, the real potential for an extended illn...
by ruralavalon
Thu Jul 21, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k vs Merrill Lynch 401k
Replies: 5
Views: 358

Re: Vanguard 401k vs Merrill Lynch 401k

Welcome to the forum :) . I am sorry to hear of the challenges in your personal life. I agree that it's a good idea to move your Merrill Lynch investments to Vanguard. Call Vanguard and they can assist in the transfer and help you pick the fund or funds to invest in. I suggest that you look at a sim...
by ruralavalon
Thu Jul 21, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Why Not Wellesley?
Replies: 14
Views: 1576

Re: Why Not Wellesley?

We don't own Wellesley Income Fund. It is a very nice balanced fund with a low expense ratio, and I would never try to talk anyone who wants that fund out of using it. However lack_key is right, your two test portfolios just compare Wellesley Income Fund (domestic stocks and longer term bonds) to in...
by ruralavalon
Thu Jul 21, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Help with ADP 401k fund selection + other investment selections
Replies: 2
Views: 212

Re: Help with ADP 401k fund selection + other investment selections

Please add the information requested in Duckie's post. Please use the format shown in the post "asking portfolio questions". You can simply amend your original post using the edit button.
by ruralavalon
Thu Jul 21, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1701
Views: 397298

Re: What Book Are You Currently Reading? Part VI

Heaven's Ditch , by Jack Kelly. This is a very readable history about Western New York in 1806 - 1844, concentrated on the construction of the Erie Canal and the religious revival along its route including the Second Great Awakening, the disappearance of William Morgan, the anti-Masonic party, the ...
by ruralavalon
Wed Jul 20, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund Symbol confusion: e.g. SIA-WJ, SIA-WU, etc.
Replies: 4
Views: 270

Re: 401k fund Symbol confusion: e.g. SIA-WJ, SIA-WU, etc.

Those are probably Collective Investment Trusts (CITs), rather than mutual funds, and they are not publicly traded and do not have ticker symbols. In your 401k materials or on the 401k website there should be a fact sheet for each CIT which gives the CIT's investment strategy, holdings, performance,...
by ruralavalon
Wed Jul 20, 2016 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Life event - Advice for retirement accounts?
Replies: 11
Views: 1353

Re: Life event - Advice for retirement accounts?

I understand that investment have risks built into it. But with the 457 being a CIT, how safe is it to keep my money in there (without considering the inherent risks of investment)? According to the fact sheets you linked, the 457's Equity Index Fund is managed by BNY Mellon, uses the S&P 500 i...
by ruralavalon
Wed Jul 20, 2016 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Life event - Advice for retirement accounts?
Replies: 11
Views: 1353

Re: Life event - Advice for retirement accounts?

Thanks for the replies! I've added some more information to the original post as suggested. You have some good to excellent low expense ratio funds offered in both the old and new 403bs. For the old 403b, please add the fund names so people wanting to respond don't have to look them up. For the new...
by ruralavalon
Wed Jul 20, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: help me with bonds
Replies: 34
Views: 2418

Re: help me with bonds

article and efficient frontier graph both show that bonds reduce returns that is what holds me back They show that historically holding 20 - 40 % in bonds has very significantly reduced portfolio risk, with a comparatively small decrease in return. Stocks do not always outperform bonds. Just for fu...
by ruralavalon
Wed Jul 20, 2016 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?
Replies: 19
Views: 951

Re: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?

RyeWhiskey wrote:Thanks for posting your 401k options. I'd definitely go all-in on the S&P there, those other funds are far too expensive. :beer

Yes clearly best use the S&P 500 fund for all of your 401k.
by ruralavalon
Wed Jul 20, 2016 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Difference between post/after tax 401(k) contributions and contributions to a roth 401(k
Replies: 16
Views: 822

Re: PRE TAX 401-K CONTR VS POST TAX 401-K

Are you eligible for a significant pension? What is the reason you think that it's best to make Roth 401k contributions? I believe tax rates will be higher when I am moving into retirement For most people traditional 401k contributions are likely to be better. I like the tax break, but hate the tho...
by ruralavalon
Wed Jul 20, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: help me with bonds
Replies: 34
Views: 2418

Re: help me with bonds

article and efficient frontier graph both show that bonds reduce returns that is what holds me back They show that historically holding 20 - 40 % in bonds has very significantly reduced portfolio risk, with a comparatively small decrease in return. Stocks do not always outperform bonds. Just for fu...
by ruralavalon
Wed Jul 20, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity beats Vanguard in ER
Replies: 30
Views: 2664

Re: Fidelity beats Vanguard in ER

I have a question (and yes this is a serious question) for any/all forum readers... Is there anyone who really DOES like Vanguard's website? I have a joint account, an IRA account and my wife's IRA account at Vanguard. We also have accounts at Schwab, Fidelity and TDAmeritrade. I will be the first ...
by ruralavalon
Wed Jul 20, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: My first stab at Index Funds... please Help
Replies: 10
Views: 1305

Re: My first stab at Index Funds... please Help

Welcome to the forum :) . It's good to see that you are debt free, and are starting young at saving and investing, using low expense ratio index funds in tax-protected accounts. You are far ahead of most people your age. You have some excellent funds offered in your 401k, you are fortunate. Age: 28 ...
by ruralavalon
Wed Jul 20, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity beats Vanguard in ER
Replies: 30
Views: 2664

Re: Fidelity beats Vanguard in ER

I agree that the numbers are so close as to be meaningless. But I keep my investments at Fido because of their better UI/UX. My mother has Vanguard accounts that I manage and the Vanguard site drives me crazy from a useability standpoint. I love your avatar. I just finished reading Endurance , a gr...
by ruralavalon
Wed Jul 20, 2016 10:36 am
Forum: Investing - Help with Personal Investments
Topic: help me with bonds
Replies: 34
Views: 2418

Re: help me with bonds

article and efficient frontier graph both show that bonds reduce returns that is what holds me back They show that historically holding 20 - 40 % in bonds has very significantly reduced portfolio risk, with a comparatively small decrease in return. Stocks do not always outperform bonds. Just for fu...
by ruralavalon
Wed Jul 20, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Life event - Advice for retirement accounts?
Replies: 11
Views: 1353

Re: Life event - Advice for retirement accounts?

Welcome to the forum :) . Congratulations on your new job and the bump in income. One of the most critical factors in successful investing is keeping your expenses very low. The information you gave (Vanguard Institutional funds in the 403b; 0.70% expense ratio in the 457 + account maintenance fee) ...
by ruralavalon
Wed Jul 20, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Difference between post/after tax 401(k) contributions and contributions to a roth 401(k
Replies: 16
Views: 822

Re: PRE TAX 401-K CONTR VS POST TAX 401-K

Are you eligible for a significant pension? What is the reason you think that it's best to make Roth 401k contributions?

For most people traditional 401k contributions are likely to be better.
by ruralavalon
Mon Jul 18, 2016 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Fund allocation between tax-deferred & tax-free accounts.
Replies: 6
Views: 553

Re: Fund allocation between tax-deferred & tax-free accounts.

Welcome to the forum :) .

I believe that you have correctly interpreted the slide from the wiki.

Tax consequences don't enter into this traditional vs Roth decision.
by ruralavalon
Mon Jul 18, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Two fund Portfolio Review
Replies: 5
Views: 877

Re: Two fund Portfolio Review

I great to see that you are debt free, and using very diversified, low ER index funds.

An asset allocation of 90% stocks and only 10% bonds is pretty aggressive for ages 38 and 40.

How much are you contributing annually?
by ruralavalon
Mon Jul 18, 2016 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Questions - Need advice
Replies: 18
Views: 1207

Re: Asset Allocation Questions - Need advice

Welcome to the forum :) . Hi everyone! I decided build the courage to move my assets from Merrill Lynch to vanguard, learn the principals and manage myself moving forward. I cannot tolerate their fees and found them to be self-serving. I have read lots on this blog and would appreciate your advice f...
by ruralavalon
Mon Jul 18, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie (55 years old) investment planning help requested
Replies: 8
Views: 710

Re: Newbie (55 years old) investment planning help requested

Please also tell us what sort of accounts these investments are in, such as -- 401k, 403b, 457, Roth IRA, traditional IRA, taxable brokerage account, etc., and what firm each account is with.

Please use the format in the link TRC gave you.

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