Search found 11064 matches

by ruralavalon
Tue Sep 19, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Age 40: Requesting Look At Portfolio
Replies: 13
Views: 1354

Re: Age 40: Requesting Look At Portfolio

Per your original post and the link in your last post, the funds you are using in your 401k and their expense ratios seem to be: BlackRock Russell 1000 Index Trust, ER 0.03%; BlackRock Russell 2000 Index Trust, ER 0.05%; International Equity Fund, ER 0.47%; and Bond Fund, ER 0.31%. Is that correct f...
by ruralavalon
Tue Sep 19, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Review
Replies: 4
Views: 486

Re: Financial Review

Thank you for the reply and the welcome! This was very helpful. I'll be sure to read the article you pointed out. Is there a High Deductible Health Plan (HDHP) offered at work, so that you are eligible to use a Health Savings Account (HSA)? I do not believe so, but I'll check. Is the reason for ask...
by ruralavalon
Tue Sep 19, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) Provider - Empower Retirement
Replies: 16
Views: 1287

Re: New 401(k) Provider - Empower Retirement

Looks plausible :) . How close is this to the allocation that was previously recommended - 20% bonds, 20% international stocks and 60% domestic stocks. Any other fund to add / subtract to get it closer to that? What is the return currently being paid on the Key Guaranteed Portfolio in your 401k? Do...
by ruralavalon
Tue Sep 19, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions Fees [moving from but need new advisor]
Replies: 2
Views: 455

Re: Edward Jones Guided Solutions Fees [moving from but need new advisor]

Welcome to the forum :) . [moved to its own topic for visibility - moderator prudent] I am dealing with the same issue with Edward Jones. I have had a retirement account with them for years and recently rolled over another 401K to them and they're asking me to sign a bunch of documents related to th...
by ruralavalon
Tue Sep 19, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Age 40: Requesting Look At Portfolio
Replies: 13
Views: 1354

Re: Age 40: Requesting Look At Portfolio

What is your tax bracket, both federal and state?

Will you be eligible for a significant pension?

Does your 401k permit Roth contributions?
by ruralavalon
Tue Sep 19, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Age 40: Requesting Look At Portfolio
Replies: 13
Views: 1354

Re: Age 40: Requesting Look At Portfolio

Welcome to the forum :) . I think you are wise to start with a three-fund portfolio. At age 40 I suggest that you consider increasing your bond allocation to around 30%. I turned aged 40 a couple months ago. In the back of my mind, I'm trying to set up the next 5/10/20 years. What originally caught ...
by ruralavalon
Tue Sep 19, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - In Taxable Account
Replies: 13
Views: 631

Re: Rebalancing - In Taxable Account

Our AA is 65/35 and for a while, we've been closer to 70/30. (Age 43 and 47) I'm curious...when folks rebalance, I assume they try to do it in tax deferred accounts before touching their taxable accounts? We've pretty much used all our tax deferred space (403b and SIMPLE IRA) for Total Bond Fund an...
by ruralavalon
Tue Sep 19, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: A series of misinformed decisions and now the painful realization. Help with current 401K, 457B, prior 401K's, other q's
Replies: 9
Views: 1298

Re: A series of misinformed decisions and now the painful realization. Help with current 401K, 457B, prior 401K's, other

Thank you so much running man, ruralavalon & JTBX for reviewing my post. Its probably clear to you and becoming obvious to me, I still have to catch up even on basic nomenclature :). I edited the original post to answer some of your questions. In short - Desired asset allocation 65/35 stock/bond wi...
by ruralavalon
Tue Sep 19, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Best book for planning your retirement?
Replies: 18
Views: 2328

Re: Best book for planning your retirement?

"The Boglehead's Guide to Retirement Planning" is marvelous, written by a variety of authors who frequent this forum. I bought this book and it wasn't what I hoped it would be. It's more of a guided tour to retirement than a strategy guide to retirement. It introduces and generally defines stuff li...
by ruralavalon
Tue Sep 19, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on moving to VG
Replies: 13
Views: 870

Re: Opinions on moving to VG

Forgot to include this in my original post. Since I am retired, I can no longer contribute to my 401k. Also, our employer, state of NC, never contributed to our 401k's. All contributions were from our own salary. Thanks for the responses. jayars35 In my opinion the fact of being retired enhances th...
by ruralavalon
Mon Sep 18, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Review ($800K Nest Egg)
Replies: 6
Views: 2068

Re: Financial Review ($800K Nest Egg)

Questions: 1. Should I invest in the market (e.g. trading account; 529) instead of aggresively paying off $150K? 2. Are there any investment options I should consider? 1) I favor paying off the 4.25% interest rate HELOC, liquidating the trading account to help do that if the unrealized capital gain...
by ruralavalon
Mon Sep 18, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on moving to VG
Replies: 13
Views: 870

Re: Opinions on moving to VG

I think it's okay to move to a Vanguard IRA for the benefit of simplification. I don't see any additional significant benefits. I also think it's okay to leave the 401k as is.
by ruralavalon
Mon Sep 18, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Review
Replies: 4
Views: 486

Re: Financial Review

Welcome to the forum :) . Age: 32 Desired asset allocation: 75-25 (though I'm currently at 80-20) Desired international: No idea honestly In my opinion either 20% or 25% in bonds is within the range of what is reasonable for age 32. I suggest around 20-30% of stocks in international stocks. That wor...
by ruralavalon
Mon Sep 18, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on moving to VG
Replies: 13
Views: 870

Re: Opinions on moving to VG

Hello group, My wife and I have some of our investments with Vanguard. The state of NC has a 401k and 457b plan that I participated in from my first year teaching. Since I retired from the state of NC, I have been debating moving my 401k to Vanguard. Currently it is in the following funds in the st...
by ruralavalon
Mon Sep 18, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: A series of misinformed decisions and now the painful realization. Help with current 401K, 457B, prior 401K's, other q's
Replies: 9
Views: 1298

Re: A series of misinformed decisions and now the painful realization. Help with current 401K, 457B, prior 401K's, other

Welcome to the forum :) . Then thankfully came upon The Bogleheads guide to investing followed by the 4 pillars of investing. Currently in the process of starting The intelligent investor and following that up with A random walk down Wall street & Common sense on mutual funds and the other books lis...
by ruralavalon
Mon Sep 18, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: which way to save?
Replies: 18
Views: 1473

Re: which way to save?

ugogirl, about how much (in total) do you believe that you could contribute per month toward investing, debt payments and savings?
by ruralavalon
Sun Sep 17, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 5
Views: 632

Re: Portfolio Review

No pension, just social security. Which is currently estimated at about $2,500/mo at 67 assuming my income stays roughly the same and assuming I used the calculator correctly. My income fluctuates with the success of my company every year so I am often not sure I will be able to deduct traditional ...
by ruralavalon
Sun Sep 17, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vangard Index Fund through Merrill Edge
Replies: 26
Views: 1881

Re: Vangard Index Fund through Merrill Edge

emmakatemartone wrote:
Sun Sep 17, 2017 12:36 pm
and if i plan on buying and holding, i really shouldn't be concerned about transaction fees anyway?
Seemingly small transaction fees add up and can easily become significant when you are making regular monthly contributions to a fund.
by ruralavalon
Sun Sep 17, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 5
Views: 632

Re: Portfolio Review

Welcome to the forum :) . At age 44 with $265k in investments you are not far "behind the curve". You are far ahead of most of your contemporaries. You are generally using broadly diversified index funds with low expense ratios, and making good use of tax-advantaged accounts. You are doing a lot of ...
by ruralavalon
Sun Sep 17, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: which way to save?
Replies: 18
Views: 1473

Re: which way to save?

Welcome to the forum :) . Hello, This is my first post to the forum!...my father is trying his best to make me a Boglehead! Age:26 Income (two jobs): main job income = $50k; second job: $25k total = 75k Debt: 10k in student loan debt; payment is $125 minimum/month, but I'm paying $150 with $25 extra...
by ruralavalon
Sat Sep 16, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k) Provider - Empower Retirement
Replies: 16
Views: 1287

Re: New 401(k) Provider - Empower Retirement

What is the return currently being paid on the Key Guaranteed Portfolio in your 401k? You cannot make a contribution to your 401k from the $20k you have now, you can contribute to your 401k only by deductions from payroll at work. Do you currently have anything in the 401k? If so how much? About how...
by ruralavalon
Fri Sep 15, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Bond return negative. CD or money market alternative.
Replies: 30
Views: 2870

Re: Bond return negative. CD or money market alternative.

This year bond fund return is almost zero. Equity is 16%. Could CD and money market replace bond in this environment? Or even high yield bond? This year bond fund return is not negative, zero or even close. Right now total return of Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX)i...
by ruralavalon
Fri Sep 15, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick if you were creating you own small business 401k?
Replies: 21
Views: 1077

Re: What funds would you pick if you were creating you own small business 401k?

I'm 34 and will be joining a partnership in January, we have opportunity to revamp our office 401k, which currently only offers a limited number of American Funds. If you were building a 401k from scratch, which funds would you want access to, assuming you planned on maxing out every year ($54K?) A...
by ruralavalon
Fri Sep 15, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 818027

Re: What Book Are You Currently Reading? Part VI

Entry Island, by Peter May.

A murder of the richest man on a tiny island in the St. Lawrence River, Quebec baffles a team of police sent from the mainland to investigate. This mystery is gripping.
by ruralavalon
Fri Sep 15, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Reasonable to adjust 401k allocation if you have a pension?
Replies: 20
Views: 1922

Re: Reasonable to adjust 401k allocation if you have a pension?

Thank you for the helpful replies, and I've read a few of the other threads on the topic. I decided to reduce the fixed/bond allocation in the 401K by a small percentage, mostly because the pension gives me a slightly greater comfort level to take on a little more risk, but not as an allocation sub...
by ruralavalon
Fri Sep 15, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: How do YOU diversify through different retirement accounts?
Replies: 2
Views: 216

Re: How do YOU diversify through different retirement accounts?

First, you are contemplating dividing $45k into 7 different investments. You could consider something simpler. Second, it's easier if there are fewer accounts. Check to see if the 401k at your new employer will accept rollovers from your SIMPLE IRA and your solo 401k? Third, you have to build your p...
by ruralavalon
Fri Sep 15, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8530

Re: Retirees-anyone miscalculate how much was needed?

We did not foresee paying $900/month for medical insurance in retirement. That’s why I continue to work part-time until DH is eligible for Medicare. And may continue until DH's FRA. Other than that notable exception, our expenses are what we expected. No obamacare? Medicare? That IS Obamacare. My G...
by ruralavalon
Thu Sep 14, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 274
Views: 29179

Re: Vanguard Customer Service

Over the past few months I've finally convinced my relative to move from Edward Jones to Vanguard. It was a tough sell. Now I'm reading this thread about poor customer service at Vanguard. If the phone call to Vanguard doesn't go smooth, I'm afraid my relative will stop the transfer process. I offe...
by ruralavalon
Thu Sep 14, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Should my g/f keep her lower cost funds? Or get one with a better asset mix?
Replies: 7
Views: 326

Re: Should my g/f keep her lower cost funds? Or get one with a better asset mix?

She is employed and has a 401k with Fidelity. Balance is still under 10K, so nothing significant yet, but I still want to get her started on the right foot. Age 29. She should be closer to 90/10 stocks/bonds. Should she keep Vanguard Wellington Fund Admiral Shares (VWENX) with a low 0.16% expense r...
by ruralavalon
Thu Sep 14, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8530

Re: Retirees-anyone miscalculate how much was needed?

From reading bogleheads it strikes me that many retirees here seem to be pleasantly surprised at how much less they needed than what they factored in their accumulation phase. I do wonder if anyone here has retired but had to really reduce spending due to unplanned higher than anticipated retiremen...
by ruralavalon
Thu Sep 14, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8530

Re: Retirees-anyone miscalculate how much was needed?

Right now I'm trying to nail down a 9-day dive trip to Bonaire with my adult son in late April. Haven't been, very jealous. You going to be based on land or on a live aboard? Man I hope you have the best time. Land. Buddy Dive again for the 6th or 7th time. I like shore diving and Bonaire and the o...
by ruralavalon
Thu Sep 14, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k) Provider - Empower Retirement
Replies: 16
Views: 1287

Re: New 401(k) Provider - Empower Retirement

Yes you could make your $5.5k/yr IRA contributions to the existing traditional rollover IRA instead of starting a new traditional IRA for yourself. Do you have a significant lump sum of cash you could add to investing in the next 4-5 months? Such as $5.5k now to a spousal IRA for the 2017 contributi...
by ruralavalon
Wed Sep 13, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) Provider - Empower Retirement
Replies: 16
Views: 1287

Re: New 401(k) Provider - Empower Retirement

Welcome to the forum :) . Do you have any other accounts, such as IRAs or brokerage accounts? If so what investments do you have in the bbc.co other accounts? Often it's better to treat all accounts together as a single unified whole, rather than just look at one account individually. You can simpl...
by ruralavalon
Wed Sep 13, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) Provider - Empower Retirement
Replies: 16
Views: 1287

Re: New 401(k) Provider - Empower Retirement

Welcome to the forum :) . Do you have any other accounts, such as IRAs or brokerage accounts? If so what investments do you have in the bbc.co other accounts? Often it's better to treat all accounts together as a single unified whole, rather than just look at one account individually. You can simpl...
by ruralavalon
Tue Sep 12, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) Provider - Empower Retirement
Replies: 16
Views: 1287

Re: New 401(k) Provider - Empower Retirement

Welcome to the forum :) . Do you have any other accounts, such as IRAs or brokerage accounts? If so what investments do you have in the bbc.co other accounts? Often it's better to treat all accounts together as a single unified whole, rather than just look at one account individually. You can simply...
by ruralavalon
Tue Sep 12, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Options
Replies: 2
Views: 355

Re: Help with 401k Options

Welcome to the forum :) . No one has all those ticker symbols memorized, you will get more answers if you add fund names and expense ratios. You can simply add that to your original post using the edit button. It's often better to treat all accounts together as a single unified portfolio, rather tha...
by ruralavalon
Tue Sep 12, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 818027

Re: What Book Are You Currently Reading? Part VI

Reading "Days of Rage" by Bryan Burrough. The now mostly forgotten story of radical bombings and murders in the 1970s by delusional radicals who thought revolution would follow in the wake of their actions. Highly recommended. For fans of British mystery, I suggest Josephine Tey. Very original and ...
by ruralavalon
Mon Sep 11, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 818027

Re: What Book Are You Currently Reading? Part VI

House of Evidence, by Viktor Arnar Ingolfsson.

A man is shot in the family home Reykjavik, Iceland, where his father had been shot 30 years before. Police struggle to find the connection.
by ruralavalon
Sun Sep 10, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Baby - adjusting investments
Replies: 8
Views: 817

Re: Baby - adjusting investments

Welcome to the forum :) .

Congratulations on the birth of your daughter.

It looks like you are in good shape financially.

I agree with the others, continue contributing to your Roth IRAs. You can withdraw contributions at any time for any purpose, including college expenses.
by ruralavalon
Sun Sep 10, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: New to US - Help with choosing 401k
Replies: 8
Views: 558

Re: New to US - Help with choosing 401k

Thank you. I have updated the original post. In my opinion the better choices in your 401k include: T. Rowe Price New America Growth (PRWAX) ER 0.80%; Harbor International Institutional (HAINX) ER 0.79%; and PIMCO Total Return Institutional(PTTRX) ER 0.46%. It's often better to coordinate investmen...
by ruralavalon
Sun Sep 10, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: New to US - Help with choosing 401k
Replies: 8
Views: 558

Re: New to US - Help with choosing 401k

Please add the expense ratios as charged in your 401k plan for each fund. Expense ratios are critical in fund selection. Other possible decent choices for actively managed offered in your plan include: Harbor International Institutional (HAINX); and PIMCO Total Return Institutional (PTTRX). Is there...
by ruralavalon
Sat Sep 09, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: First portfolio question
Replies: 5
Views: 428

Re: First portfolio question

At age 25 I suggest around 20% in bonds. I suggest around 20-30% of stocks in international stocks. I would max contributions to the 401k and then use excess cash to pay down the student debt. At your income level you could pay it off in no time. I wouldn't bother to refinance it, just pay it off. H...
by ruralavalon
Sat Sep 09, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation (New Job)
Replies: 5
Views: 506

Re: Portfolio Evaluation (New Job)

Congratulations on the new baby :) . That's a wonderful employer match in your 401k. You are very fortunate. In my opinion you can keep the target retirement fund in your other accounts. The drawback (not a critical one in my opinion) would be not maintaining the high international stock allocation,...
by ruralavalon
Sat Sep 09, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Best book for planning your retirement?
Replies: 18
Views: 2328

Re: Best book for planning your retirement?

southport wrote:
Sat Sep 09, 2017 9:46 am
"The Boglehead's Guide to Retirement Planning" is marvelous, written by a variety of authors who frequent this forum.
That's my suggestion as well.
by ruralavalon
Fri Sep 08, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k to employer 401k when VPMAX is available
Replies: 8
Views: 577

Re: Rolling over 401k to employer 401k when VPMAX is available

I just started at a new job and they are using Vanguard for their Roth 401k plan. . . . . . What is your current tax bracket, both federal and state? Why do you think you will be in a higher tax bracket in retirement? Are you in a profession (such as medicine) that will rapidly put you in a much hi...
by ruralavalon
Fri Sep 08, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k to employer 401k when VPMAX is available
Replies: 8
Views: 577

Re: Rolling over 401k to employer 401k when VPMAX is available

It's good to see Vanguard Total Stock Market Index Trust, Vanguard Total International Stock Index Trust, and Vanguard Total Bond Market Index Trust included as choices in the new 401k. I would not be concerned about rolling over the old 401k into the new 401k with those options included. The list o...
by ruralavalon
Fri Sep 08, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Where to put short term investment?
Replies: 6
Views: 719

Re: Where to put short term investment?

Welcome to the forum :) . Hey all, I have about $20k to invest but the catch is I need to use it within the next year or two. What short term investment vehicles would you suggest putting it in? Thanks For needs in a year or two, use a federally insured savings account or federally insured short-ter...
by ruralavalon
Fri Sep 08, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: [Just setup Vanguard account, looking for good strategy]
Replies: 8
Views: 768

Re: [Just setup Vanguard account, looking for good strategy]

Welcome to the forum :) It's good to see that you are starting young. Question, I am 22 years old and have heard that I should set a portfolio with bonds being that of my age so 22% the rest in stock 78%. I just set up a Vanguard account and want to know a good strategy for long term growth. Thanks ...
by ruralavalon
Fri Sep 08, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k to employer 401k when VPMAX is available
Replies: 8
Views: 577

Re: Rolling over 401k to employer 401k when VPMAX is available

I just started at a new job and they are using Vanguard for their Roth 401k plan. VPMAX admiral shares caught my eye and is what I have elected to have my contributions sent to. I also have a personal vanguard account with a tIRA and Roth IRA account. Normally I would roll the old account into the ...