Search found 7171 matches

by ruralavalon
Thu Feb 11, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1353
Views: 279251

Re: What Book Are You Currently Reading? Part VI

Osceola and the Great Seminole War , by Thom Hatch. This is a good biography of Osceola and a compelling history of the Second Seminole War. Osceola (Billy Powell) led the Seminole in their fight to avoid removal from Florida to the West, and to avoid return to slavery of escaped slaves living amon...
by ruralavalon
Thu Feb 11, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio question
Replies: 6
Views: 282

Re: Portfolio question

Sure, I have a Traditional Ira , that has some funds(pre-tax) and I am not planning to contribute any more funds to this account. I would like setup up a portfolio for the amount in this account. As the capital investment is going to remain the same over time , is there a portfolio that is good for...
by ruralavalon
Thu Feb 11, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Roth VS Trad 401k
Replies: 12
Views: 964

Re: Roth VS Trad 401k

Welcome to the forum :) . Traditional 401ks are usually the better choice for most people. There is a good explanation you can Google, a TFB blog post "the case against the Roth 401k". Will either or both of you be eligible for a good defined benefit pension? That would change the calculat...
by ruralavalon
Thu Feb 11, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous Newbie Investor
Replies: 13
Views: 817

Re: Nervous Newbie Investor

Nervous is normal, don't be too concerned. Think long-term, think about decades not months. In my opinion your 60/40 asset allocation is reasonable for age 48. Just stick with it, don't sell off, and continue to contribute. The mutual funds that you are using are very good choices. For someone your ...
by ruralavalon
Thu Feb 11, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Inputs for target date funds
Replies: 6
Views: 601

Re: Inputs for target date funds

Hello All, I am planning to contribute to some vanguard target date funds. The following are the reasons for it. 1) Fund minimum are low, I can start contributing right now. 2) Automatic risk adjustment (bond, stocks ratio) over time. is this an good strategy or should I wait for some time for the ...
by ruralavalon
Thu Feb 11, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio question
Replies: 6
Views: 282

Re: Portfolio question

Hello All, I have a general question regarding portfolio. I am planning to setup a portfolio for some funds in a retirement account as wells as for some funds in other accounts. The later will have periodic contributions going into it. Is there a difference in portfolio that can use dollar cost ave...
by ruralavalon
Thu Feb 11, 2016 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA a good idea?
Replies: 7
Views: 412

Re: Roth IRA a good idea?

Hi everyone I'm trying to decide whether I should contribute to my Roth this year or just keep funding my personal brokerage accounts. Your opinion and reasoning would be much appreciated. Age 25 Income: 62k annual Roth IRA: Fidelity Freedom 2055 (Contains ~$5,000 invested) Personal Brokerage: Vang...
by ruralavalon
Thu Feb 11, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: [Portfolio help for Roth]
Replies: 2
Views: 115

Re: [Portfolio help for Roth]

Welcome to the forum :) . Please provide the information on what funds are offered in your 401k, and the other facts per the link given by LadyGeek , and tell us what firm the Roth IRA is with, and we can give you some suggestions about funds to choose. Just add to your original post using the edit ...
by ruralavalon
Thu Feb 11, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: New to the site
Replies: 17
Views: 992

Re: New to the site

For whatever reason my choices were more limited than I thought. I ended up changing my investments to this 50% SPTN 500 INDEX ADV 25% SPTN INTL INDEX ADV 25% SPTN US BOND IDX ADV I think because they have $10K minimum is the reason I could only choose though but I believe they have even lower cost...
by ruralavalon
Wed Feb 10, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: seeking advice on investing 700k windfall
Replies: 7
Views: 1069

Re: seeking advice on investing 700k windfall

Welcome to the forum :) . I've considered dividend paying stocks, real estate, Indexed Universaal policies and even owning and running a franchise. My goal is have passive income and retire as soon as possible. The overwhelming advice you'll get here is NO to all of the above! Read Managing a windfa...
by ruralavalon
Wed Feb 10, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Could someone educate me on Thrift Savings Plans and suggest different fund allocations?
Replies: 18
Views: 838

Re: Could someone educate me on Thrift Savings Plans and suggest different fund allocations?

Welcome to the forum :) .

Ybsybs wrote:
Toons wrote:Ditto 2050 :happy


Fourth recommendation for 2050.

Fifth recommendation for Lifecycle 2050., for the existing balance and also for future contributions. Leave it alone and don't pull it out.

Also increase your percentage contributions if that's practical for you.
by ruralavalon
Wed Feb 10, 2016 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 51
Views: 2889

Re: How to respond to a siblings who gloats over a great stock pick?

I have sibling who is a stock picker rather than an index fund. Recently, he picked a stock that was way down in the dumps, bought 200 shares, and then it went up in value over 10x, and he made a bucket load of money from it. I smiled and nodded...but it's not easy being an index fund investor when...
by ruralavalon
Wed Feb 10, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 52
Views: 2432

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

I just looked at the vanguard blog. at 20 years horizon, comparing 0.10% fees, to 0.50% fees, its a difference in total asset value of -2% to -9.5%. these are most comparable to the ratios I'm facing) So, essentially paying the higher fees, would cost me 7.5% of my money. At the the approximate tar...
by ruralavalon
Wed Feb 10, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 52
Views: 2432

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

Each year contribute as much as practical to your investments. Each year decide the investing account priority. Usually what works best for most people is: 1) contribute just enough to the work-based accounts to get the full employer match offered; 2) contribute to IRAs the maximum allowed for each ...
by ruralavalon
Tue Feb 09, 2016 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help A 24-Year-Old Start Planning for Retirement
Replies: 29
Views: 1662

Re: Help A 24-Year-Old Start Planning for Retirement

So do 100% in the index portfolio? I have about $15k in CD's currently earning about 2%. Yes, and your CDs are a good reason to be all Passive-Index fund in the 401k. I suggest also keeping about 20% of the overall portfolio (the total of all investments) in fixed income. This could be a combinatio...
by ruralavalon
Tue Feb 09, 2016 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help A 24-Year-Old Start Planning for Retirement
Replies: 29
Views: 1662

Re: Help A 24-Year-Old Start Planning for Retirement

I would stuff as much money into the Index/Passive portfolio as possible. The DFA funds are great, and it has a good expense ratio. +1 Adjust Roth IRA funds to get more bonds at a low price. Yes, this would be a good choice rather than the previously suggested Moderate Aggressive portfolio, which b...
by ruralavalon
Tue Feb 09, 2016 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead newbies, need portfolio help please.
Replies: 7
Views: 631

Re: Boglehead newbies, need portfolio help please.

Welcome to the forum :) . It's good to see that you have no debt other than the mortgage note. It's good to see that you are interested in low expense, diversified investing. I think that you are wise to use the three-fund portfolio. You have much better than average fund choices offered in your wor...
by ruralavalon
Tue Feb 09, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on my lackluster 403B options
Replies: 9
Views: 346

Re: Advice on my lackluster 403B options

With these 401k options I suggest using only Vanguard 500 Index Fund ER 0.75% for your stock allocation. Lower expenses will matter a lot over your long-term investing horizon. Although you prefer 100% stocks I suggest also using about 20% of portfolio in the Vanguard Total Bond Market Index Fund ER...
by ruralavalon
Tue Feb 09, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 52
Views: 2432

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

I have been digesting this over the weekend a bit and I know I owe some info update to the OP. However, just a clarification I'd like to ask. My goal is to achieve 40K a year INCLUDING the 6K my company adds, so 34K of mine . . . . . Does that change what is suggested? That would only change the am...
by ruralavalon
Tue Feb 09, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Help A 24-Year-Old Start Planning for Retirement
Replies: 29
Views: 1662

Re: Help A 24-Year-Old Start Planning for Retirement

You are doing very well with your savings rate :) . Keep it up. Maintaining a good savings rate is by far the the most important factor (under your control) in portfolio growth when you are just starting out. I would not worry about having the nice car or about advance paying on the very low interes...
by ruralavalon
Sun Feb 07, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help A 24-Year-Old Start Planning for Retirement
Replies: 29
Views: 1662

Re: Help A 24-Year-Old Start Planning for Retirement

What is the interest rate on your auto loan? What is your marginal tax rate, both federal and state? About how much do you estimate that you can contribute to investing annually in the foreseeable future? If you keep 3 months of basic living expenses in savings as an emergency fund, then how much of...
by ruralavalon
Fri Feb 05, 2016 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 52
Views: 2432

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

Open an IRA for each of you, and contribute up to $5.5k each per year. I suggest using Roth IRAs, since you cannot fully deduct traditional IRA contributions. Thought I could only do 5.5K per year, whether it's split 1K in 5 accounts, or whatever. How many can I have a how much can I put in them? I...
by ruralavalon
Wed Feb 03, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: International index funds necessary?
Replies: 8
Views: 914

Re: International index funds necessary?

Hi all, I currently hold 3k in Vanguard's 2055 Target Date Fund. I have $5,500 to invest before April for 2015. I like index funds and the set-it-and-forget-it approach, but Vanguard's funds of funds all include international stocks/bonds. I have read that Bogle does not frequently invest in intern...
by ruralavalon
Wed Feb 03, 2016 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 52
Views: 2432

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

Also, is there an employer match offered in his 401k, and if so what is it? Is there an employer match offered in her 457, and if so what is it? About how much (total all accounts) do you think you might be able to add to investing annually during the foreseeable future? What is your marginal tax ra...
by ruralavalon
Wed Feb 03, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 52
Views: 2432

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

I just noticed that the link you gave lists the available funds in the her Deferred Compensation Program (DCP). In the DCP consider using these funds: Vanguard Institutional Index Institutional Plus (VIIIX) ER 0.02% American Funds EuroPacific Growth R6 (RERGX) 0.49% PIMCO Total Return Institutional ...
by ruralavalon
Wed Feb 03, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 52
Views: 2432

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

I agree that you should open IRAs at Vanguard, they have a very broad selection of low expense ratio funds to choose from. Open an IRA for each of you, and contribute up to $5.5k each per year. I suggest using Roth IRAs, since you cannot fully deduct traditional IRA contributions. What are the inves...
by ruralavalon
Wed Feb 03, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1353
Views: 279251

Re: What Book Are You Currently Reading? Part VI

Genius: The Life and Science of Richard Feynman, By James Gleick.

A good biography. The book covers both Feynman's very interesting personal life, and his contributions to physics (which I largely did not understand).
by ruralavalon
Sun Jan 31, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1353
Views: 279251

Re: What Book Are You Currently Reading? Part VI

Trawler Trash , by Ed Robinson. His wife has died and a middle-aged man cashes in his retirement fund, embezzles from his employer, buys a boat and heads for the British Virgin Islands to spread his wife's ashes on the beach where he had proposed to her. The Seminole Wars , by Joe Knetsch. Covers t...
by ruralavalon
Sat Jan 30, 2016 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard 457? [Access to both 403(b) and 457 plans]
Replies: 4
Views: 285

Re: vanguard 457? [Access to both 403(b) and 457 plans]

A 457 seldom has an employer match, so will often not be priority # 1, and instead will often be priority # 3. Getting any employer match offered in a 403b will still usually be priority # 1, especially if it is a governmental 403b. So I think the usual priority could be -- 1) contribute enough to t...
by ruralavalon
Sat Jan 30, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 4
Views: 361

Re: 401k Advice

In fund selection strive for a combination of broad diversification and low expense ratios. Priorities should probably be -- 1) In your 401k contribute just enough to get the full employer match each year. In your 401k use only -- JP Morgan Equity Index Fund Class A (OGEAX) ER 0.45% Does your spouse...
by ruralavalon
Sat Jan 30, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: First 401k
Replies: 8
Views: 554

Re: First 401k

Hello everyone. Been lurking for awhile and finally signed up. I'm 27 and in the 15% bracket and I'm just starting my first job with a 491k available. I have been contributing to a Roth IRA in the 2055 vanguard fund. My question: since I'm staring with 0 and only $50 a check or so will be going in,...
by ruralavalon
Sat Jan 30, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: How do I move my work 401k?
Replies: 14
Views: 834

Re: How do I move my work 401k?

^^^ For < $5K, it might be a good choice to move it to Vanguard. However, you should really check out your new employer's 401k plan first. While many plans have high expense options, that is not always true. Some plans even have expense ratios <= Vanguard. In such a case it is probably better to mo...
by ruralavalon
Sat Jan 30, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Making sense of my wife's 401(k)
Replies: 5
Views: 379

Re: Making sense of my wife's 401(k)

My wife has her 401(k) account through Schwab. I have always pretty much left fund choice in her 401(k) up to her (happy wife, happy life). Recently, she asked me to help her determine her asset allocation to make sure it's where it ought to be (guess she saw me doing all the reading). I sat down a...
by ruralavalon
Fri Jan 29, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: New to the site
Replies: 17
Views: 992

Re: New to the site

Fidelity Spartan® 500 Index Fund Investor Class(MUTF:FUSEX) 25% Fidelity Spartan® Total Market Index Fund Investor Class(MUTF:FSTMX) 25% Fidelity Spartan® International Index Fund Investor Class(MUTF:FSIIX) 25% Fidelity® Total Bond Fund(MUTF:FTBFX) 25% Am I on the right track?? Any guidance would b...
by ruralavalon
Fri Jan 29, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: 100% in VFIAX
Replies: 4
Views: 599

Re: 100% in VFIAX

Look at all of your retirement/long-term investing accounts together as a single unified portfolio. All of your taxable account in Vanguard 500 Index Fund Admiral (VFIAX) ER 0.05% is fine if your portfolio is well diversified overall with bond, international and small-cap funds in your other account...
by ruralavalon
Thu Jan 28, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Finally Getting Investments In Order - Help is Appreciated!
Replies: 8
Views: 902

Re: Finally Getting Investments In Order - Help is Appreciated!

I am posting on a tablet so cannot give you links. I can only tell you where you can look for more information. Asset allocation. Your desired asset allocation works out to: 10% bonds; 30% international stocks; and 60% domestic stocks. For your age (early 30s) I would suggest a minimum of 20% in bon...
by ruralavalon
Wed Jan 27, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1353
Views: 279251

Re: What Book Are You Currently Reading? Part VI

Mangrove Squeeze , by Laurence Shames. The woman who sells ads for the weekly paper in Key West wants to be a reporter. She thinks that all of the cheap T-shirt shops in Key West are run by Russian gangsters as a front for their criminal enterprises. Her amateur snooping gets her entangled with the...
by ruralavalon
Wed Jan 27, 2016 8:58 am
Forum: Investing - Help with Personal Investments
Topic: New investor - questions about which strategy to follow
Replies: 6
Views: 430

Re: New investor - questions about which strategy to follow

Welcome to the forum :) . It's good to see that you are debt free. I suggest that you read the wiki article "Bogleheads Investment Philosophy", to learn a bit of the basics. 1) I suggest starting with the three-fund approach. You can get more complex later if you wish. 2) At age 33 I sugge...
by ruralavalon
Wed Jan 27, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio/finance eval and recs
Replies: 4
Views: 359

Re: Portfolio/finance eval and recs

Welcome to the forum :) . The dog counts, just not for tax purposes. It looks like you are doing fine on saving ($23.5k per year) and fund selection. It's good to see that you have no consumer debt. Check your tax rate, there is no 19% federal tax bracket. I vote for using that extra money to pay of...
by ruralavalon
Wed Jan 27, 2016 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Finally Getting Investments In Order - Help is Appreciated!
Replies: 8
Views: 902

Re: Finally Getting Investments In Order - Help is Appreciated!

Is the 457b a governmental plan or a non-governmental plan? (Since at ICMA-RC I would assume governmental, but I don't want to just assume.) Is your wife also employed there and covered by the same plan? Are you eligible for pensions? Are other work-based plans such as a 401k, TSP, or 403b also offe...
by ruralavalon
Tue Jan 26, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Youngish Guy behind in investing, I need guidance
Replies: 4
Views: 631

Re: Youngish Guy behind in investing, I need guidance

Welcome to the forum :) . It's great that you are starting young, are almost debt free, and recognise the importance of a high savings rate. With about $140k in savings and investments you are already far ahead of your contemporaries. You could start with reading the wiki article on "getting st...
by ruralavalon
Sun Jan 24, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Downturn in the Market
Replies: 33
Views: 3052

Re: Downturn in the Market

I was waiting for my stock funds to drop another 2% before rebalancing from bonds to stocks. I am wondering, did I miss the boat?
by ruralavalon
Sun Jan 24, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 51
Views: 3604

Re: Vanguard Store Items

stratton wrote:Bogleheads pay to be "mugged" by Vanguard.

:P

Paul

Funny, :D :D :D
by ruralavalon
Sat Jan 23, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: stick with employer-sponsored 401K or roll over to Ameriprise IRA?
Replies: 9
Views: 630

Re: stick with employer-sponsored 401K or roll over to Ameriprise IRA?

No, do not transfer your 401k or 457 accounts to Ameriprise. Transfer your Ameriprise account to a low cost provider like Vanguard or Fidelity. That 1% fee will devastate your long-term returns. What low expense ratio funds are offered in your 401k and 457 plans? If decent low expense ratio funds ar...
by ruralavalon
Fri Jan 22, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k, need input on AA
Replies: 5
Views: 256

Re: New 401k, need input on AA

In your 401k what are the expense ratios charged for these funds? Vanguard Total International Stock Market Index Fund Investor Shares VGTSX Vanguard Small-Cap Index Fund Investor Shares NAESX PIMCO Total Return Bond Fund Class Q PTRQX PIMCO Income Fund Institutional Class PIMIX Sometimes the expens...
by ruralavalon
Thu Jan 21, 2016 6:03 am
Forum: Investing - Help with Personal Investments
Topic: So many Choices!!
Replies: 18
Views: 1719

Re: So many Choices!!

The performance table in the Morningstar link for the State Street S&P 500 Fund shows that it closely tracks the S&P 500 Index minus the expense ratio. I still think it's the fund to use in your 401k. It's important to have the full picture, and not just focus on one account in isolation. Wh...
by ruralavalon
Thu Jan 21, 2016 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Move to Bonds?
Replies: 18
Views: 1864

Re: Move to Bonds?

Do you have a 401k, 403b or some other work-based account?
by ruralavalon
Wed Jan 20, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1353
Views: 279251

Re: What Book Are You Currently Reading? Part VI

Night Vision , by Randy Wayne White. A Doc Ford adventure novel, involving the kidnapping of a young Guatemalan girl. This is a great story. Florida's Civil War Battles , by Stephen Webb. I was not aware that there was significant Union sentiment in Florida during the Civil War, or that significant...

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