Search found 15182 matches

by ruralavalon
Sat Apr 20, 2019 12:33 pm
Forum: Personal Investments
Topic: Rollover 401k to new employer vs roll into IRA
Replies: 5
Views: 360

Re: Rollover 401k to new employer vs roll into IRA

I got a new job starting April 29 and wanted to think through what I should be doing with my existing 401k. Here are the facts of my situation and a few random thoughts I was weighing (which I hadn't seen fully addressed in past posts on these subjects). Age: 34 New Salary: $145k including expected...
by ruralavalon
Sat Apr 20, 2019 11:59 am
Forum: Personal Investments
Topic: The Final Definitive Thread on Best Brokerage
Replies: 18
Views: 1381

Re: The Final Definitive Thread on Best Brokerage

For funds and location of accounts I usually suggest 1) Vanguard, 2) Fidelity, or 3) Schwab in that order of preference. I prefer using traditional mutual funds (rather than ETFs) , and Vanguard has by far the largest selection of low expense traditional mutual funds offered anywhere. Both Vanguard ...
by ruralavalon
Sat Apr 20, 2019 9:25 am
Forum: Personal Investments
Topic: Fire my financial advisor now or later? (recent windfall help needed)
Replies: 44
Views: 3262

Re: Fire my financial advisor now or later? (recent windfall help needed)

Welcome to the forum :) . Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) was an excllent choice for $60k of the $150k windfall, and would be an excellent choice for more. A turnover rate of 3% is tiny, the fund is very tax-efficient. Her explanation of a different approach ( "a 'manag...
by ruralavalon
Sat Apr 20, 2019 8:58 am
Forum: Personal Investments
Topic: Change VSMPX for VIIIX in my 401k?
Replies: 3
Views: 190

Re: Change VSMPX for VIIIX in my 401k?

Vanguard Total Stock Mkt Idx Instl Pls (VSMPX) ER 0.02% is more diversified at the same expense ratio. Keep it.
by ruralavalon
Fri Apr 19, 2019 3:54 pm
Forum: Personal Investments
Topic: Advice for 28
Replies: 20
Views: 3009

Re: Advice for 28

Quick update and question: I opened a Roth IRA account and Vanguard and successfully transferred my funds over. Everything transferred in kind, so now I'm left with 30 individual stocks. How do I go about getting into VTSAX and VTIAX? Am I really going to have to pay a $7 commission on each stock t...
by ruralavalon
Fri Apr 19, 2019 10:27 am
Forum: Personal Investments
Topic: 401k help!! Which of these is most similar to VBMFX?
Replies: 23
Views: 543

Re: 401k help!! Which of these is most similar to VBMFX?

Thanks in advance for your help. Just started a new job with a new employer and am trying to enroll into 401k. Based on what I have learned through the BH forum, I keep all my bond allocation in tax-advantaged accounts. Can someone tell me which of the following funds is most similar to Vanguard To...
by ruralavalon
Fri Apr 19, 2019 9:01 am
Forum: Personal Investments
Topic: I need help with my investement stratagies please
Replies: 20
Views: 1411

Re: I need help with my investement stratagies please

Welcome to the forum :) . You are doing a lot of things right. You have good earnings, are living well within your means, have an excellent savings rate (41% of take home pay), have relatively little debt, have almost no consumer debt (just 1 car loan), are using tax-advantaged accounts, contribute ...
by ruralavalon
Thu Apr 18, 2019 9:33 pm
Forum: Personal Investments
Topic: Beginner Investor Questions
Replies: 14
Views: 1002

Re: Beginner Investor Questions

If I might ask one additional question... One of the steps I'm taking is removing active management of my wife's 401k plan through Fidelity, and attempting to invest as closely to Mr. Bogle's recommendations as possible. I'm having a little trouble with this, as I can't find any low-cost stock inde...
by ruralavalon
Thu Apr 18, 2019 9:27 pm
Forum: Personal Investments
Topic: 100% total market index for 10 years, wondering if I should have bonds and international
Replies: 16
Views: 1974

Re: 100% total market index for 10 years, wondering if I should have bonds and international

Is it worth switching the taxable account over to ETF's and paying the capital gains tax? I was suggesting the ETF for any new contributions to the taxable account. I have no idea if its worth switching from your current fund to an ETF. What is your tax bracket, both federal and state? What is the ...
by ruralavalon
Thu Apr 18, 2019 5:29 pm
Forum: Personal Investments
Topic: 100% total market index for 10 years, wondering if I should have bonds and international
Replies: 16
Views: 1974

Re: 100% total market index for 10 years, wondering if I should have bonds and international

1a. Hold bonds in your pre-tax retirement accounts (401k), the reason being it's taxed when it comes out, so less growth = less tax. I'd put the foreign in the taxable account, the reason being there's a foreign tax credit (it's pretty negligible though). Why isn't this true about taxable accounts ...
by ruralavalon
Thu Apr 18, 2019 3:51 pm
Forum: Personal Investments
Topic: 401k help!! Which of these is most similar to VBMFX?
Replies: 23
Views: 543

Re: 401k help!! Which of these is most similar to VBMFX?

Thanks in advance for your help. Just started a new job with a new employer and am trying to enroll into 401k. Based on what I have learned through the BH forum, I keep all my bond allocation in tax-advantaged accounts. Can someone tell me which of the following funds is most similar to Vanguard To...
by ruralavalon
Thu Apr 18, 2019 11:25 am
Forum: Personal Investments
Topic: 100% total market index for 10 years, wondering if I should have bonds and international
Replies: 16
Views: 1974

Re: 100% total market index for 10 years, wondering if I should have bonds and international

Emergency funds: 6 months Debt: None Tax Filing Status: Single Tax Rate: 24% Federal, 3% State State of Residence: PA Age: 28 Desired Asset allocations: see questions Current retirement assets (low-mid 6 figures): Taxable at Fidelity 19% Fidelity Total Market Index (FSKAX) (.02) IRA (401k Rollover)...
by ruralavalon
Thu Apr 18, 2019 10:47 am
Forum: Personal Investments
Topic: Roth or Traditional 457B with Pension
Replies: 20
Views: 752

Re: Roth or Traditional 457B with Pension

Hi, I am wondering if I should continue to contribute to my 457B pretax or if I should switch to the Roth option or do a combination of both. I am a government employee with a pension. I will be able to retire at age 55 with an unreduced pension. I will receive 84% of my average salary based on the...
by ruralavalon
Thu Apr 18, 2019 10:33 am
Forum: Personal Investments
Topic: Locked into [American Funds] - best choices?
Replies: 14
Views: 825

Re: Locked into AF - best choices?

I suggest Fidelity over Schwab. You can turn off automatic reinvestment of dividends. Invest them in the index fund(s) of your choosing. + 1. At either brokerage use stock index ETFs, rather than traditional mutual funds. If you make charitable contributions, donate appreciated shares rather than ca...
by ruralavalon
Thu Apr 18, 2019 9:27 am
Forum: Personal Investments
Topic: Investment option aside from 401k.
Replies: 21
Views: 1245

Re: Investment option aside from 401k.

If the goal is a "more or less stock market diverse portfolio", then: 1) in the old 401k sell T. Rowe Price New Horizons (PRNHX) and put everything into iShares Total US Stock Market Idx Inv A (BASMX); 2) in the new 401k sell Vanguard Small Cap Value Index Inv (VISVX) and put everything into Nation...
by ruralavalon
Thu Apr 18, 2019 9:05 am
Forum: Personal Investments
Topic: Creating 3-fund portfolio in 457 plan help
Replies: 17
Views: 570

Re: Creating 3-fund portfolio in 457 plan help

Edited for additional info: - 31 years old, married w/ 3 kids, and file jointly - annual income ~$90k pre tax - 457 plan is government agency - total cash amount we are receiving will be ~$150k, but $100k of it will be allocated to home repairs, emergency fund, 529 plans, etc, leaving $50k to put t...
by ruralavalon
Thu Apr 18, 2019 8:33 am
Forum: Personal Investments
Topic: Beginner Investor Questions
Replies: 14
Views: 1002

Re: Beginner Investor Questions

Welcome to the forum :) . Hi. I'm very new to investing. I just finished reading Jack Bogle's "The Little Book of Common Sense Investing," and feel beyond lucky to have stumbled across it. To say that I think he's onto something is an understatement, but I'm sure I'm preaching to the choir here. I d...
by ruralavalon
Wed Apr 17, 2019 5:44 pm
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 4828

Re: Where to hold 2-3 years of living expenses

I'm curious. Won't you lose money in these funds mentioned-below? I'm new at these sorry... We don't hold a cash allocation at all. Our investments are all in Vanguard mutual funds, which can be turned into cash in a couple of days if needed. If I wanted 2-3 years of living expenses in cash or simi...
by ruralavalon
Wed Apr 17, 2019 4:20 pm
Forum: Personal Investments
Topic: Investment option aside from 401k.
Replies: 21
Views: 1245

Re: Investment option aside from 401k.

If the goal is a "more or less stock market diverse portfolio", then: 1) in the old 401k sell T. Rowe Price New Horizons (PRNHX) and put everything into iShares Total US Stock Market Idx Inv A (BASMX); 2) in the new 401k sell Vanguard Small Cap Value Index Inv (VISVX) and put everything into Nation...
by ruralavalon
Wed Apr 17, 2019 3:41 pm
Forum: Personal Investments
Topic: Leave a job with a pension?
Replies: 36
Views: 3695

Re: Leave a job with a pension?

How much weight would an employer funded pension have on your decision to leave for another opportunity? My current company matches 4% on the 401k, with a fully funded pension with the following formula (years service X Top year earnings of last 5 X 1%). I am looking into an opportunity that is goi...
by ruralavalon
Wed Apr 17, 2019 3:21 pm
Forum: Personal Investments
Topic: Investment option aside from 401k.
Replies: 21
Views: 1245

Re: Investment option aside from 401k.

What is your mortgage balance? The TCJA has made the mortgage interest mostly non-deductible. It is deductible only to the extent that the mortgage interest + property taxes up to $10k exceed $24,600. Given the SALT cap of $10,000, your mortgage interest should exceed on an annual basis $14,600. Th...
by ruralavalon
Wed Apr 17, 2019 3:06 pm
Forum: Personal Investments
Topic: Wife's 1st retirement account? Please advise
Replies: 7
Views: 437

Re: Wife's 1st retirement account? Please advise

You stated that she is self-employed. What type of retirement account will she be using? Both Fidelity and Vanguard have good index funds. There are differences in their small-business plans. Since she is self-employed she could consider using a SEP IRA, SIMPLE IRA, or individual (solo) 401k. Vangua...
by ruralavalon
Wed Apr 17, 2019 11:46 am
Forum: Personal Investments
Topic: Investment option aside from 401k.
Replies: 21
Views: 1245

Re: Investment option aside from 401k.

This may not be the most scientific approach, but please bare with me. Looking to invest in more or less safe option instead of money sitting collecting just 2.25% in savings account. In my late 30s. No debt other than mortgage at 3.75%. Currently have my 2 401k plans invested in; PRNHX - Mid-Cap G...
by ruralavalon
Wed Apr 17, 2019 11:26 am
Forum: Personal Investments
Topic: Wife's 1st retirement account? Please advise
Replies: 7
Views: 437

Re: Wife's 1st retirement account? Please advise

My DW is getting her 1st retirement account set up and I wanted to know if you all think this is a good choice? Fidelity Freedom® Index 2045 Fund - Investor Class $0 minimum investment is a nice incentive to go with Fidelity vs Vanguard for essentially the same product/service, no? DW's stats: Age:...
by ruralavalon
Wed Apr 17, 2019 11:11 am
Forum: Personal Investments
Topic: Need bond advice
Replies: 17
Views: 1748

Re: Need bond advice

In regards to my TransAmerica 457b and associated Schwab PCRA, many of the previously described restrictions have been lifted. I much prefer moving assets into the Schwab PCRA as opposed to holding within the TransAmerica 457b portion of account. Inside the PCRA I'll be able to invest in Schwab mut...
by ruralavalon
Wed Apr 17, 2019 7:53 am
Forum: Personal Investments
Topic: New Job / New 401k - How to reallocate
Replies: 26
Views: 1122

Re: New Job / New 401k - How to reallocate

This is all part of figuring out how to make the best use of tax-advantaged accounts, to limit the amount of investment returns that are lost to income taxes. What accounts does she have? What funds are held in each account? What funds are offered in any work-based account? Please give fund names, t...
by ruralavalon
Tue Apr 16, 2019 5:59 pm
Forum: Investing - Theory, News & General
Topic: What websites do you use for the latest investing news?
Replies: 51
Views: 3860

Re: What websites do you use for the latest investing news?

Spinola wrote:
Tue Apr 16, 2019 4:05 pm
I get all my financial news from the onion. It is just as actionable and useful as most other sources but far more entertaining.. 8-)

https://www.theonion.com/tag/finance
Awesome source of financial ideas :wink: .
by ruralavalon
Tue Apr 16, 2019 12:18 pm
Forum: Personal Investments
Topic: 40 years old and just trying to figure it out
Replies: 30
Views: 3852

Re: 40 years old and just trying to figure it out

Are you sure? Well, looks like I have three options: 457(b) or 403(b) or both. Now I need to figure all that out! :) https://www.suny.edu/benefits/vsp/ Be sure to determine if the plans offer an employer match. If there is an employer match offered, then contributing enough to get the full employer...
by ruralavalon
Tue Apr 16, 2019 11:54 am
Forum: Personal Investments
Topic: New Job / New 401k - How to reallocate
Replies: 26
Views: 1122

Re: New Job / New 401k - How to reallocate

So I have no pension. However, my wife is a teacher, and as such will be entitled to a pension once she retires (assuming CalSTRS still is around). I haven't really looked too much into what that means in terms of taxes and all of that. I guess it is time to start reading up! Since you are "married...
by ruralavalon
Tue Apr 16, 2019 10:46 am
Forum: Personal Investments
Topic: What's next when 401K/tIRA are maxed?
Replies: 24
Views: 2503

Re: What's next when 401K/tIRA are maxed?

Prioritizing investments. Here is a general account funding priority that usually works well for many people (when there is no high interest debt): 1) Contribute to the work-based plans (401k, 403b, 457, SIMPLE IRA, TSP, etc.) enough to get the full employer match (the match is like free money, you...
by ruralavalon
Tue Apr 16, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 657
Views: 74753

Re: U.S. stocks continue to soar!

"Sell in May and go away." https://amp.businessinsider.com/images/535a49deecad049e68505e1d-750-563.jpg Since 1945, the S&P 500 has averaged a 1.4% return in the May-October period. November through April returns an average return of 6.6%. Short in May and while you grow your Hay! An fine example of...
by ruralavalon
Tue Apr 16, 2019 8:48 am
Forum: Personal Investments
Topic: Creating 3-fund portfolio in 457 plan help
Replies: 17
Views: 570

Re: Creating 3-fund portfolio in 457 plan help

Welcome to the forum :) . Some additional information and some clarification will probably be helpful. I have asked a few questions below. Please simply add this 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 info...
by ruralavalon
Mon Apr 15, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3730
Views: 1073906

Re: What Book Are You Currently Reading? Part VI

Cycle wrote:
Tue Apr 09, 2019 8:02 am
Lost City of the Monkey God by Douglas Preston

Delightful if u like exploration and archeology non-fiction. Reads like a novel.
I also thought that it was a very interesting, adventure-archeology book.
by ruralavalon
Mon Apr 15, 2019 3:53 pm
Forum: Personal Investments
Topic: 40 years old and just trying to figure it out
Replies: 30
Views: 3852

Re: 40 years old and just trying to figure it out

Here is a general account funding priority that usually works well for many people (when there is no available work-based account like a 401k and no HSA use): 1) Pay off high interest debt (a guaranteed high return, the next best thing to free money); 2) Contribute the maximum to an IRA, traditional...
by ruralavalon
Mon Apr 15, 2019 10:42 am
Forum: Personal Investments
Topic: 40 years old and just trying to figure it out
Replies: 30
Views: 3852

Re: 40 years old and just trying to figure it out

Welcome to the forum :) . Age 40 is not too late to start. You are right, get away from Edward Jones. I think a rollover to a Vanguard IRA is a good idea. You are right to to direct your wife's income from the new job first to paying off the $53k credit card debt. Paying off higher interest debt is ...
by ruralavalon
Mon Apr 15, 2019 8:36 am
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 4828

Re: Where to hold 2-3 years of living expenses

I'm three years away and after many years of saving I am slowly increasing my cash holdings in my taxable portfolio, tax deferred 401K, rollover IRA, and slightly in my Roth. I never see it being more than 10% (probably 2% now) and plan to have at least 3 years worth of cash to draw from when the d...
by ruralavalon
Mon Apr 15, 2019 8:02 am
Forum: Personal Investments
Topic: Searching for affordable 401K provider? Guideline? Any comments or suggestions?
Replies: 2
Views: 170

Re: Searching for affordable 401K provider? Guideline? Any comments or suggestions?

I'm a new member to the forum and I own a small retail business looking to offer retirement savings for myself and 3 employees. I have previously offered a Simple plan but find the 401K higher contribution limits attractive, especially for me as the owner who is trying to sock it away while I can :...
by ruralavalon
Sun Apr 14, 2019 12:12 pm
Forum: Personal Investments
Topic: [401k Allocation]
Replies: 9
Views: 556

Re: [401k Allocation]

You have many excellent funds offered in your 401k plan. You are fortunate. The funds you highlighted are the correct funds to use for a three-fund portfolio. Bonds. Put all of the bond allocation in your 401k using the Bond Index Fund (Bloomberg Barclays U.S. Aggregate Bond Index) ER 0.08%. That w...
by ruralavalon
Sun Apr 14, 2019 11:15 am
Forum: Personal Investments
Topic: [401k Allocation]
Replies: 9
Views: 556

Re: [401k Allocation]

You have many excellent funds offered in your 401k plan. You are fortunate. The funds you highlighted are the correct funds to use for a three-fund portfolio. Bonds. Put all of the bond allocation in your 401k using the Bond Index Fund (Bloomberg Barclays U.S. Aggregate Bond Index) ER 0.08%. That wi...
by ruralavalon
Sun Apr 14, 2019 10:45 am
Forum: Personal Investments
Topic: Need Investing Advice / Portfolio Help
Replies: 18
Views: 1023

Re: Need Investing Advice / Portfolio Help

Welcome to the forum :) . Tax Filing Status: Single Tax Rate: Federal = 24% State = 5.5% State of Residence: North Carolina Age: 40 Desired Asset Allocation: I am not risk adverse. I have a stable job. I have at least 25 years to retirement. I'd like to be aggressive and am comfortable placing as mu...
by ruralavalon
Sun Apr 14, 2019 9:09 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2482
Views: 1552945

Re: The Three-Fund Portfolio

Taylor, just wondering why the SP500 performance is very close to the total stock market,does it mean that over time, performance of small caps in the TSM is more volatile, and so TSM performance ends up being about the same as SP500? The S&P 500 index covers about 81% of the U.S. stock market, inv...
by ruralavalon
Sun Apr 14, 2019 8:41 am
Forum: Personal Investments
Topic: What's next when 401K/tIRA are maxed?
Replies: 24
Views: 2503

Re: What's next when 401K/tIRA are maxed?

So, we have an E.J. Adviser and through him, opened an account to save money for a new house that has $200,000- this is a taxable account that has 10 Mutual funds and 5 ETFs and 1 CD (I have all of the funds listed, but I can't find any expense ratio info on my account website). We had $4500 in cap...
by ruralavalon
Sat Apr 13, 2019 3:07 pm
Forum: Personal Investments
Topic: Fidelity zero-fee index fund questions
Replies: 7
Views: 1106

Re: Fidelity zero-fee index fund questions

Fidelity ZERO International Index Fund (FZILX) does not include stocks of small-cap international companies. Otherwise the funds seem similar to the older Fidelity stock index funds previously suggested for the three-fund portfolio. Thank you for a great and detailed reply. Am I correct in saying i...
by ruralavalon
Sat Apr 13, 2019 9:54 am
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 101
Views: 14838

Re: Indexing beats Wellington and Wellesley right?

If everyone agrees that indexing is superior to actively-managed funds, then why is Wellington and Wellesley still so popular? Not to mention that Wellington and Wellesley have higher expenses as well. Doesn't it make sense to just skip Wellington/Wellesley and build your own "Three-Fund or Four-Fu...
by ruralavalon
Sat Apr 13, 2019 9:42 am
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 101
Views: 14838

Re: Indexing beats Wellington and Wellesley right?

If everyone agrees that indexing is superior to actively-managed funds, then why is Wellington and Wellesley still so popular? Not to mention that Wellington and Wellesley have higher expenses as well. Doesn't it make sense to just skip Wellington/Wellesley and build your own "Three-Fund or Four-Fu...
by ruralavalon
Sat Apr 13, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: What websites do you use for the latest investing news?
Replies: 51
Views: 3860

Re: What websites do you use for the latest investing news?

I like to keep up with the most recent investing news throughout the day and use marketwatch, bloomberg new and reuters. What sites do you prefer to monitor throughout the day for financial news? I have been watching stocktwits some lately however it doesn't offer much with respect to good advice. ...
by ruralavalon
Sat Apr 13, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2482
Views: 1552945

Re: The Three-Fund Portfolio

So I know you are suppose to look at all of your accounts as one, right? Say you have a 401k and a Roth IRA. Is there a benefit of organizing the allocations? For example, my Roth IRA is 70/20/10 in VTSAX/VTIAX/VBTLX. Similarly, my 401k is 70/20/10 in Large Cap & Small Cap/International/Bonds. Is t...
by ruralavalon
Sat Apr 13, 2019 7:50 am
Forum: Personal Investments
Topic: Update: 35 y/o Portfolio Review (new to investing)
Replies: 15
Views: 2448

Re: Update: 35 y/o Portfolio Review (new to investing)

***4/12/19 UPDATE*** Thanks everyone for all the advice! I took a hard look at the dumpster fire that was my portfolio and made some changes... 1) I paid off my student loans! Psychologically it feels great to be debt free. Thank you all for giving me the courage/nudge to pay it off. 2) I sold off ...
by ruralavalon
Fri Apr 12, 2019 6:23 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2482
Views: 1552945

Re: The Three-Fund Portfolio

So I know you are suppose to look at all of your accounts as one, right? Say you have a 401k and a Roth IRA. Is there a benefit of organizing the allocations? For example, my Roth IRA is 70/20/10 in VTSAX/VTIAX/VBTLX. Similarly, my 401k is 70/20/10 in Large Cap & Small Cap/International/Bonds. Is t...
by ruralavalon
Fri Apr 12, 2019 6:17 pm
Forum: Personal Investments
Topic: Roth TSP vs. Regular TSP?
Replies: 14
Views: 1203

Re: Roth TSP vs. Regular TSP?

My current situation: 180k in TSP (all pre-tax) 40k in Roth IRA. 20k pension that could grow up to 60k by 50. I'm currently late 30s. 24% percent bracket. Income around 115k, but will likely grow to 150-165 range in the next 5 years. Should I switch to a Roth TSP for a portion or all of the 19k? My...