Search found 16443 matches

by ruralavalon
Mon Nov 11, 2019 8:19 pm
Forum: Personal Investments
Topic: Move 401k to brokerage account?
Replies: 13
Views: 750

Re: Move 401k to brokerage account?

Welcome to the forum :) . Thanks! This largely depends on the fees charged. Which brokerage is this? Is this Fidelity's BrokerageLink? Is this Schwab's Personal Choice Retirement Account (PCRA)? What fees in addition the fund expense ratios are charged for use of the brokerage feature? There may be...
by ruralavalon
Sun Nov 10, 2019 4:52 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril
Replies: 32
Views: 1860

Re: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril

A lot depends on personal preference, in other words what you desire from your brokerage: 1) do you also want banking services like credit cards, free ATMs, checking account, savings account, CDs? 2) do you have a large taxable account, and so need very tax-efficient stock index funds or tax-exempt ...
by ruralavalon
Sun Nov 10, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 34
Views: 1714

Re: Tax Deferred : Taxable : Tax Free

The issues of traditional vs Roth contributions and Roth conversions are always fact-sensitive. We have a hideously complex income tax system.
by ruralavalon
Sun Nov 10, 2019 4:21 pm
Forum: Personal Investments
Topic: inheritance
Replies: 15
Views: 2052

Re: inheritance

Welcome to the forum :) . That is a good decision to stay away from the "reps from a local bank/investment firm and reps from a large bank/investment firm", and instead to do it yourself and avoid their large fees. I will receive in the future a sizable inheritance and want to invest the funds slowl...
by ruralavalon
Sun Nov 10, 2019 4:18 pm
Forum: Personal Investments
Topic: What should the AA of a young retiree be?
Replies: 20
Views: 1550

Re: What should the AA of a young retiree be?

Let’s say a person retires at age 37 with a net worth 35 times of annual expenses. What should their AA be? It depends. You could consider 60% stocks, 40% fixed income. Let’s assume the investor is not very emotional and wouldn’t sell in a down market. Only you can answer the question. However, her...
by ruralavalon
Sun Nov 10, 2019 3:38 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 48
Views: 2929

Re: Investment Ideas

My friend has the following situation and asking some advises. He refinanced his house and got $100,000 cash out. He kept the same mortgage payment Just extended loan years to got that cash out. . . . . . . . . He Is investing for retirement 401 k plan already (Although he didn’t max it out) and al...
by ruralavalon
Sun Nov 10, 2019 3:18 pm
Forum: Personal Investments
Topic: Small value in 50-50 retirement portfolio
Replies: 10
Views: 856

Re: Small value in 50-50 retirement portfolio

I’m investing my parents retirement funds in 50:50 portfolio. I am doing a three fund and considering 5% REIT and 5% small value (vanguard small value index fund). Is small value even at 5% too aggressive for a retiree? Thank you! Age 74, retired, no pension, no annuity, and we have a 50/50 asset a...
by ruralavalon
Sun Nov 10, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 34
Views: 1714

Re: Tax Deferred : Taxable : Tax Free

What are your asset allocations among the three major categories: Tax Deferred (Regular 401k, Traditional IRA) Taxable (non-retirement brokerages) Tax Free (Roth) ? We are guilty of top heavy 68:7:25. Thinking of paying tax now for Roth Conversions when possible without bumping up the federal margi...
by ruralavalon
Sun Nov 10, 2019 2:45 pm
Forum: Personal Investments
Topic: What should the AA of a young retiree be?
Replies: 20
Views: 1550

Re: What should the AA of a young retiree be?

masonstone wrote:
Sun Nov 10, 2019 2:33 pm
Let’s say a person retires at age 37 with a net worth 35 times of annual expenses. What should their AA be?
It depends.

You could consider 60% stocks, 40% fixed income.
by ruralavalon
Sun Nov 10, 2019 1:03 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril
Replies: 32
Views: 1860

Re: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril

I think you need to look at your active asset portfolio (which may include high cost funds), decide what you want to do with them, whether you can sell without incurring substantial capital gains (maybe it's a tax advantaged account ?) and move to cheaper funds/ETFs. Which brokerage to move these a...
by ruralavalon
Sun Nov 10, 2019 12:31 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril
Replies: 32
Views: 1860

Re: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril

Welcome to the forum :) . I usually suggest 1) Vanguard 2) Fidelity 3) Schwab In that order of preference. First time poster, apologies if this has been asked numerous times before: I am currently with Merril (about $1MM) under active management (1% fee). Reading “Bogleheads Guide to Investing” and ...
by ruralavalon
Sat Nov 09, 2019 4:07 pm
Forum: Personal Investments
Topic: Move 401k to brokerage account?
Replies: 13
Views: 750

Re: Move 401k to brokerage account?

Welcome to the forum :) . Hello all -- In my 401k, I have everything allocated to a blend of TDF's. I think I would prefer instead having a 3 or 4 fund allocation (basically something similar to the bogglehead distribution examples listed on the wiki), to make it easier to see my allocations and reb...
by ruralavalon
Sat Nov 09, 2019 1:00 pm
Forum: Personal Investments
Topic: 401k help
Replies: 5
Views: 281

Re: 401k help

Welcome to the forum :) . Some additional information is necessary, see my questions in what follows. You can add more information to your original post using the edit button (the pencil icon near the upper right corner of your post), it helps a lot if all of your information is in one place. hi all...
by ruralavalon
Sat Nov 09, 2019 11:57 am
Forum: Personal Investments
Topic: is VINIX better than VTSAX ?
Replies: 13
Views: 1191

Re: is VINIX better than VTSAX ?

On this page : https://investor.vanguard.com/mutual-funds/profile/performance/vinix and https://investor.vanguard.com/mutual-funds/profile/performance/vtsax I see that the VINIX Since inception is 9.89%, where as VTSAX is just 6.87%, does this means that VINIX, which mirrors S&P 500, is better than...
by ruralavalon
Sat Nov 09, 2019 11:29 am
Forum: Personal Investments
Topic: Windfall
Replies: 21
Views: 2081

Re: Windfall

We have a 85k inheritance with no tax implications. Spouse and I are 2 and 5 years from full retirement. Retirement planning is on track. Emergency fund is in place. Any debt is interest free, except mortgage —190k principal at 2.8 APR (appx 300k equity). We’re Earmarking 15k for post retire travel...
by ruralavalon
Fri Nov 08, 2019 4:49 pm
Forum: Personal Investments
Topic: Ascensus Simple IRA BlackRock Options
Replies: 5
Views: 274

Re: Ascensus Simple IRA BlackRock Options

Thank you all for your responses. I currently don't have any other accounts. I do have $800 in Robinhood but it's currently sitting in cash funds while I'm educating myself. Figured I can at least start putting money to the side for now. I've been putting all my money towards debt over the last 7 y...
by ruralavalon
Fri Nov 08, 2019 4:39 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 48
Views: 2929

Re: Investment Ideas

That is what I offered to him and I think he would great great benefits of it. There is just one problem I see here: If he maxes out both him and his wife’s 491k-s that $100,000 would last only about 4 years. . . . . . The annual contribution limits are on a use-it-or-lose-it basis. If they don't m...
by ruralavalon
Fri Nov 08, 2019 3:19 pm
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 58
Views: 6648

Re: Boglehead investing through a major downturn

2008 was terrifying. I was about 3 years from retirement. I continued my regular contributions every pay period, also contributed bonus money, and bought stock index funds. I exchanged money from Treasury bonds to stock index funds. We did not sell any stock fund. Our asset allocation did change fro...
by ruralavalon
Fri Nov 08, 2019 2:50 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 48
Views: 2929

Re: Investment Ideas

Please be advised that they have 457 plan. They are 36 and 45 years old. They won’t be able to max out the plans you mentioned. The amounts I mentioned is the max they could put. That is the reason he wants to use cash out money You said that your friend is in the 22% tax bracket. It is important m...
by ruralavalon
Fri Nov 08, 2019 2:25 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 298
Views: 17648

Re: Holding bonds vs 100% equities

Wow, this thread is a classic and fascinating example of how AA recommendations can differ depending on if the responding poster is a risk seeker or risk averse . Once again, It's very clear that these two types of investors CANNOT understand or even see the other side. What is clear is 100% stocks...
by ruralavalon
Fri Nov 08, 2019 1:52 pm
Forum: Personal Investments
Topic: 401k Allocation help.
Replies: 12
Views: 383

Re: 401k Allocation help.

American Funds American Balanced Fund (0.63%) is a decent fund to use in your 401k. That fund is diversified with 60% stocks and 40% fixed income, and has a fairly moderate expense ratio. The expense ratio is about average for a 401k. An expense ratio of 0.63% is not as low as we all would prefer, b...
by ruralavalon
Fri Nov 08, 2019 1:36 pm
Forum: Personal Investments
Topic: 401k Allocation help.
Replies: 12
Views: 383

Re: 401k Allocation help.

Great, thanks for the help. My employer matches 40% up to 6% and is discretionary. In my Vanguard account would I be better off in 3 funds vs target 2045 which I'm currently in. . . . . In your Vanguard IRA I suggest staying with Vanguard Target Retirement 2045 Fund (VTIVX) ER 0.15%, it is diversif...
by ruralavalon
Fri Nov 08, 2019 1:19 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 48
Views: 2929

Re: Investment Ideas

They always do married filling jointly. They both are government workers and have good 401k offered. It has choices of US large, kid, small caps, international stocks, bonds, TIPS, etc with the very low expense rates. Their total gross income is about $150,000. Each of them contribute about $8000 t...
by ruralavalon
Fri Nov 08, 2019 12:55 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 48
Views: 2929

Re: Investment Ideas

What do you think is best? Maxing out only his 401k (the money will last about 8-9 years m) or do the same thing with both him and his wife(the money will last about 4 years) Thanks. You said that your friend is in the 22% tax bracket. Making full use of available tax-advantaged accounts is importa...
by ruralavalon
Fri Nov 08, 2019 12:30 pm
Forum: Personal Investments
Topic: 401k Allocation help.
Replies: 12
Views: 383

Re: 401k Allocation help.

Welcome to the forum :) . Keep your contribution rate as high as practical. I'm 43. I've been with my employer for 19years and my current 401k balance is 80k. Income 55k Savings 65k Checking 5k Contributing 8% Is the target date in my 401k the best option? I'm 100% in target date 2040. The current f...
by ruralavalon
Thu Nov 07, 2019 1:35 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 298
Views: 17648

Re: Holding bonds vs 100% equities

I never said that bonds will outperform stocks over the next 10 years. I never said that today's environment is similar to 2000. I am not ignoring the 40 year bond bull market. I don't hold bond funds that are interest rate sensitive. I only said that it is NOT guaranteed that stocks will outperfor...
by ruralavalon
Thu Nov 07, 2019 12:36 pm
Forum: Personal Investments
Topic: Fidelity and Roth IRA question, new to group
Replies: 7
Views: 506

Re: Fidelity and Roth IRA question, new to group

Welcome to the forum :) . Some additional information is necessary. What is your tax bracket, both federal and state? What funds are offered in your 401k plan? Please give fund names, tickers and expense ratios. Do you currently have a taxable brokerage account? If so what funds are you currently us...
by ruralavalon
Thu Nov 07, 2019 12:09 pm
Forum: Personal Investments
Topic: Financial Advisor
Replies: 21
Views: 1991

Re: Financial Advisor

MBL wrote:
Thu Nov 07, 2019 12:03 pm
Update... We moved our Roth IRAs to Fidelity and are self-managing. Very pleased with the transfer process. Everything transferred over in the same funds, then we sold everything and made our purchases. Best move ever!
Congratulations on the move and on switching to do it yourself investing.
by ruralavalon
Thu Nov 07, 2019 12:03 pm
Forum: Personal Investments
Topic: How to maximize sitting cash [short term]?
Replies: 8
Views: 744

Re: How to maximize sitting cash [short term]?

Welcome to the forum :) . What interest do you currently receive on your Bank of America savings account? Both my wife and I have been holding out $80k each in BOA savings account with virtually nothing on return for mortgage downpayment. As we have been planning to buy house in 2020 or 2021, any su...
by ruralavalon
Thu Nov 07, 2019 11:47 am
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3633

Re: Vanguard suggesting I move to ETF's

rarelyright wrote:
Thu Nov 07, 2019 11:07 am
Thanks everyone! I really appreciate the input. I'll sit tight until there's a more significant, or at least, a more clear reason to move.

Thanks again.
That has been and still is my view, in other words "why bother" with a change to ETFs?
by ruralavalon
Wed Nov 06, 2019 5:34 pm
Forum: Personal Investments
Topic: IRA instead of 401k with high expenses and no match
Replies: 10
Views: 410

Re: IRA instead of 401k with high expenses and no match

Hi everyone, the company I work at offers a 401k without a match. On top of that all the investment options are expensive and very limited. Now I’m wondering whether I should stop putting my money into the 401k and open an IRA I stead? Are there any disadvantages to this? And where would I go to se...
by ruralavalon
Wed Nov 06, 2019 4:39 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3633

Re: Vanguard suggesting I move to ETF's

My "Personal" advisor at Vanguard is recommending I move from my mutual funds to ETF's citing more control and lower ER's. They have a side by side comparison on their home screen. I have a little over $1m in mutuals right now. Any red flags besides the fact that I can't go back to mutual funds lat...
by ruralavalon
Wed Nov 06, 2019 4:29 pm
Forum: Personal Investments
Topic: 403(b) - Roth Option?
Replies: 4
Views: 284

Re: 403(b) - Roth Option?

Welcome to the forum :) . Hi Bogleheads- First post here, thanks in advance! My husband and I both get Roth options from our 403(b)s and are wondering how much to allocate to our Roth option? We are residents physicians with incomes still low enough to both fully contribute to Roth IRAs. In a few ye...
by ruralavalon
Wed Nov 06, 2019 4:23 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 48
Views: 2929

Re: Investment Ideas

Hello, My friend has the following situation and asking some advises. He refinanced his house and got $100,000 cash out. He kept the same mortgage payment Just extended loan years to got that cash out. That was a good move and he was lucky to have that much equity and take the cash out without chan...
by ruralavalon
Wed Nov 06, 2019 4:01 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3633

Re: Vanguard suggesting I move to ETF's

My "Personal" advisor at Vanguard is recommending I move from my mutual funds to ETF's citing more control and lower ER's. They have a side by side comparison on their home screen. I have a little over $1m in mutuals right now. Any red flags besides the fact that I can't go back to mutual funds lat...
by ruralavalon
Wed Nov 06, 2019 3:50 pm
Forum: Personal Investments
Topic: MMA or Savings or Cash Management
Replies: 21
Views: 1280

Re: MMA or Savings or Cash Management

Welcome to the forum :) . Hi! So I'll get right into it : we have about $30-$40k to put / park into one of the aforementioned account-types. I'm curious to learn others' viewpoints on these modalities. TIA! :) You say "park", is this just for a short time period? What is the intended intended eventu...
by ruralavalon
Wed Nov 06, 2019 3:16 pm
Forum: Personal Investments
Topic: Ascensus Simple IRA BlackRock Options
Replies: 5
Views: 274

Re: Ascensus Simple IRA BlackRock Options

Welcome to the forum :) . So I just started a new job and I'm looking for advice for my Simple IRA. I'm 30 and and I'm looking for the best return, not so worried about risk at this point in my career and life. What BlackRock ETF's would people recommend? Should I do part iShares 500 part emerging m...
by ruralavalon
Wed Nov 06, 2019 12:31 pm
Forum: Personal Investments
Topic: moving to schwab from morgan stanley advising
Replies: 4
Views: 534

Re: moving to schwab from morgan stanley advising

Thanks that’s exactly what I was asking. The target date funds prob would be the best for her as she’s never been interested in investments. She wouldn’t want to do the work so this might be easiest for her. I agree that in her IRA an index target date fund with a low expense ratio is probably bett...
by ruralavalon
Wed Nov 06, 2019 12:14 pm
Forum: Personal Investments
Topic: Investment Advice
Replies: 2
Views: 257

Re: Investment Advice

Welcome to the forum :) . Hello All, I've been lurching here for a while now and decided to join to ask questions on how I should invest. I have a work sponsored 403b. The investments can be both pre-tax and/or post-tax. Currently I have allocated 12% of my pay to pre-tax and 11% of my pay to post t...
by ruralavalon
Wed Nov 06, 2019 12:03 pm
Forum: Personal Investments
Topic: choosing between VTSAX and VTI
Replies: 17
Views: 1187

Re: choosing between VTSAX and VTI

When I compare VTSAX and VTI the only differences I see are that VTSAX has a $3000 minimum purchase (whereas VTI has none) and has an expense ratio of .04% (whereas VTI is .03). So is there any reason I wouldn't choose VTI? The accounts in question are both taxable and tax-advantaged, and both trad...
by ruralavalon
Tue Nov 05, 2019 5:18 pm
Forum: Personal Investments
Topic: When to get in.
Replies: 21
Views: 2645

Re: When to get in.

Welcome to the forum :) . Hello, new to sight but long term investor with Bogles Index funds. Just read the Three-Fund Potrfolio book and would like to make changes to my wife’s 401-k (as in sell all and invest in these three funds). Question is, markets high right now. Do I sell, hold in a money ma...
by ruralavalon
Tue Nov 05, 2019 4:47 pm
Forum: Personal Investments
Topic: What's the Best Investment in Your Opinion?
Replies: 23
Views: 2307

Re: What's the Best Investment in Your Opinion?

Hi guys, I need to make a decision as to what investment to park my money in. I want to invest $80,000. I'm in my late 40s, not currently working, have no wife or kids, great health-wise. Dont know if I should invest in my bank with their mutual fund offerings or vanguard. Let me know what you guys...
by ruralavalon
Tue Nov 05, 2019 4:29 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 298
Views: 17648

Re: Holding bonds vs 100% equities

"their income is still increasing as they move forward" is also a huge assumption. No one is immune to serious disabling illness or accidental injury. Layoffs and job loss are real facts of life. The median job tenure for U.S. employees is about 4 years. BLS (2018), "Economic News Release, Table 1 M...
by ruralavalon
Tue Nov 05, 2019 4:19 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 298
Views: 17648

Re: Holding bonds vs 100% equities

"who are not prone to panic" is an enormous assumtion. That young, new investor (who has not been through a stock market crash with significant money invested) cannot possibly know if that assumption will hold.
by ruralavalon
Tue Nov 05, 2019 4:07 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 298
Views: 17648

Re: Holding bonds vs 100% equities

A little bit different question for some of you seasoned investors: What bonds do you hold? My 401k offers a Vanguard total bond index. Is this an adequate way to capture the bond market in a scenario where stocks plummet and bonds outperform? Yes, Vanguard Total Bond Market Index Fund is a more th...
by ruralavalon
Tue Nov 05, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164157

Re: [What TV Show Have You Recently Watched?]

Murder Rooms: Mysteries of the Real Sherlock Holmes , on Amazon Prime. This is a BBC series of four movie-length episodes, based loosely on Arthur Conan Doyle's time as a clerk for Dr. Joseph Bell at the Edinburgh Royal Infirmary in the 1870s. Bell was the inspiration for Doyle's Sherlock Holmes st...
by ruralavalon
Tue Nov 05, 2019 11:05 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1007
Views: 135956

Re: Post your Financial Milestone Announcements Here

Welcome to the forum :) . In medical school and in residency I had been bought several free steak dinners and gone to talks by so called financial planners hoping to manage the finances of myself and my classmates/coresidents. After doing some research I found out that most of these guys are actuall...
by ruralavalon
Mon Nov 04, 2019 3:48 pm
Forum: Personal Investments
Topic: Employer now offering 401k, stop target retirement fund investing?
Replies: 11
Views: 473

Re: Employer now offering 401k, stop target retirement fund investing?

I must have really goofed on the numbers, another reason I like to set it and forget it. Wife and myself are in the 22% tax bracket for filing jointly. I will edit the OP, thanks for all the insight everyone. To fix, 7.2% of my income goes to my VFIFX Roth IRA retirement right now. Are you eligible...
by ruralavalon
Mon Nov 04, 2019 3:33 pm
Forum: Personal Investments
Topic: Employer now offering 401k, stop target retirement fund investing?
Replies: 11
Views: 473

Re: Employer now offering 401k, stop target retirement fund investing?

Some additional information might be useful. What is your tax bracket, both federal and state? How much is your gross income? Does your spouse also have an IRA? Does your spouse have a work -based plan they could use, like a 401k, 403b, 457, SIMPLE IRA, or TSP? Does your spouse also have an IRA? Doe...
by ruralavalon
Mon Nov 04, 2019 12:34 pm
Forum: Personal Investments
Topic: What to do with extra money
Replies: 24
Views: 2933

Re: What to do with extra money

Now what about the extra risk attached to VTSAX. Maybe I don't want to take that risk with this money, in which case would the Municipal bond fund be better? The goal is to pay lower or no taxes on what is essentially an extra savings account. I think you have hit on the real issue. What is the int...