Search found 15931 matches

by ruralavalon
Thu Jul 18, 2019 1:29 pm
Forum: Personal Investments
Topic: Need some advice on potentially switching funds
Replies: 5
Views: 222

Re: Need some advice on potentially switching funds

Morning all. Thanks in advance for reading this! I'm currently around 83 / 17 stocks to bonds across two 401Ks and two Roth IRAs. Breaks down like - 17% bonds (FXNAX) 49% large cap (VTI, FXAIX, VFINX) 9% mid cap (FSMAX) 25% international / emerging (VWO, VGTSX, VXUS) I realized the other day howeve...
by ruralavalon
Thu Jul 18, 2019 11:08 am
Forum: Personal Investments
Topic: Where to put International ETF
Replies: 7
Views: 328

Re: Where to put International ETF

I am going to sell VOO and buy VXUS with the proceeds to add 20% of international to my portfolio. I have VOO in a traditional IRA and a regular investment account. Which one should I conduct this transaction in? I will create a capital gain of I think around $500. If I do the transaction. It can b...
by ruralavalon
Thu Jul 18, 2019 10:08 am
Forum: Personal Investments
Topic: Seeking help for 401k/403b plans offered at work
Replies: 4
Views: 239

Re: Seeking help for 401k/403b plans offered at work

Welcome to the forum :) . Hi Bogleheads. I have a few questions regarding my own retirement savings after reading John Bogle’s Little Book of Common Sense and the Bogleheads’ Three Fund Portfolio book. The nonprofit hospital that I work for recently introduced a 403b option, alongside my longstandin...
by ruralavalon
Thu Jul 18, 2019 9:47 am
Forum: Personal Investments
Topic: Roth 403b
Replies: 16
Views: 903

Re: Roth 403b

In addition when you withdraw from your 401k in retirement, your income is not all taxed at your marginal tax rate specified for your tax bracket. The rest of your comment is good, but this part can be misleading. In particular, one does not get to "save at the marginal rate and withdraw at the eff...
by ruralavalon
Thu Jul 18, 2019 9:41 am
Forum: Personal Investments
Topic: What is your Re-balancing Trigger?
Replies: 28
Views: 1693

Re: What is your Re-balancing Trigger?

Can someone point me to a study/book or articulate how you have decided on the trigger that you use. I can't seem to find a good source to understand what the 'state of the practice' is for a re-balancing trigger. I had hoped to find this in Ferri's 'Asset Allocation', but he just goes as far to sa...
by ruralavalon
Thu Jul 18, 2019 9:06 am
Forum: Personal Investments
Topic: asset allocation anxiety
Replies: 27
Views: 1769

Re: asset allocation anxiety

Dear Wise Bogleheads, who have taught me so much, I have always had a high risk tolerance and consequently a stock heavy allocation (80/20 or more over the decades). I am now 68 and planning to retire in the next 12-24 months. Rationally I understand that this is a time to be cautious, though I pro...
by ruralavalon
Thu Jul 18, 2019 8:34 am
Forum: Personal Investments
Topic: How exactly does maxing a 401k work when you're approaching the limit line?
Replies: 27
Views: 1927

Re: How exactly does maxing a 401k work when you're approaching the limit line?

My 401k administrator, Fidelity, does not allow decimal percentage contribution rates. They must be whole numbers, e.g. 5%, 6%, etc. (I've always found that stupid) At my current contribution rate, I'm contributing pre-tax dollars just below the max IRS limit of $19K. But if I raise the rate by 1%,...
by ruralavalon
Thu Jul 18, 2019 8:22 am
Forum: Personal Investments
Topic: Roth 403b
Replies: 16
Views: 903

Re: Roth 403b

In addition when you withdraw from your 401k in retirement, your income is not all taxed at your marginal tax rate specified for your tax bracket. The rest of your comment is good, but this part can be misleading. In particular, one does not get to "save at the marginal rate and withdraw at the eff...
by ruralavalon
Wed Jul 17, 2019 5:22 pm
Forum: Personal Investments
Topic: Bond question: VBTLX vs VBILX
Replies: 19
Views: 1571

Re: Bond question: VBTLX vs VBILX

Thanks for all the great feedback. I see the argument for MBS and bond duration. I also see that the two only really seemed to diverge in performance around 2008/2009. What really gets me is the possibility of a bit of a higher long-term yield for relatively little added risk. Am I right? The trade...
by ruralavalon
Wed Jul 17, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4599
Views: 1182671

Re: What Movie Have You Recently Watched?

The Treasure of the Sierra Madre (1948) Humphrey Bogart, Walter Huston, Tim Holt, Bruce Bennett, Alfonso Bedoya. Written by B. Traven and John Huston, directed by John Huston. Fred C. Dobbs and Bob Curtin, two Americans searching for work in Mexico, convince an old prospector to help them mine for ...
by ruralavalon
Wed Jul 17, 2019 8:41 am
Forum: Personal Investments
Topic: Bond question: VBTLX vs VBILX
Replies: 19
Views: 1571

Re: Bond question: VBTLX vs VBILX

For the bond portion of a three fund portfolio, what are the advantages or disadvantages of using VBILX (Vanguard Inter-Term Bond Index Adm) instead of VBTLX (Vanguard Total Bond Mkt Index Adm)? https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endY...
by ruralavalon
Wed Jul 17, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105442

Re: What Book Are You Currently Reading? Part VI

Pegasus Bridge , by Stephen E. Ambrose. This is about one reinforced Company of glider troops of the British 6th Airborne Division on D-Day. The first Allied troops to land in Normandy, on the night of June 5-6, 1944 they captured bridges over the Orne River and Canal intact, preventing counteratta...
by ruralavalon
Wed Jul 17, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1939286

Re: U.S. stocks in free fall

J G Bankerton wrote:
Tue Jul 16, 2019 8:26 pm
Trader Joe wrote:
Tue Jul 16, 2019 8:13 pm
3,004.04 −10.26 (0.34%)
Jul 16, 5:04 PM EDT

No freefall today.
It was more like stepping off a curb.
More like stepping from a rug to the hardwood floor.
by ruralavalon
Tue Jul 16, 2019 6:59 pm
Forum: Personal Investments
Topic: Portfolio Question
Replies: 7
Views: 557

Re: Portfoilio Question

Emergency funds: $14,000 cash emergency fund Debt: $12,000 Car Loan 3.2% and $3,000 in credit card debt at 18% . . . . . $403,000 portfolio Overall Portfolio: 4.5% cash (for investing – do not include emergency funds) Take the spare cash and pay off the credit card debt. Age: 48 Desired Asset alloc...
by ruralavalon
Tue Jul 16, 2019 5:29 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 849
Views: 105168

Re: Post your Financial Milestone Announcements Here

TravelforFun wrote:
Tue Jul 16, 2019 5:00 pm
Hit $2-million mark last month and I'm not counting my paid-off home and cars. I just can't believe we're multi-millionaire even though we were dead broke in 1984.

TravelforFun
Congratulations :D .
by ruralavalon
Tue Jul 16, 2019 11:52 am
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 24
Views: 1530

Re: VTMFX or VSMGX?

No to the first two - balanced funds are a pain in the butt in a taxable account. The third one - maybe OK assuming you are in NY but be careful with concentration in NY. Consider mixing with a national tax exempt fund for enough diversification I am not the OP but I have the same question. Everyth...
by ruralavalon
Tue Jul 16, 2019 11:47 am
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 90
Views: 7519

Re: Help - Talk to me like I'm 4 y/o please

I wouldn't go into the meeting with a mindset of "what's she going to tell me and what am I going to counter with." Actually I wouldn't go to the meeting at all. It would just be a sales pitch about why having this "advisor" is better. You indicated you already understand the negative impact of hig...
by ruralavalon
Tue Jul 16, 2019 11:26 am
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 100
Views: 6878

Re: Switching form passive to active management

I would hire Rick Ferri with Ferri Investment Solutions who charges by the hour and works with a lot of high net worth individuals to recommend an asset allocation for me. I’d hire an estate attorney and tax expert who also charge by the hour to develop plans for me. Then I’d execute those plans us...
by ruralavalon
Tue Jul 16, 2019 11:02 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 849
Views: 105168

Re: Post your Financial Milestone Announcements Here

I'm 40 and my retirement accounts just hit $500,000 (I know this pales in significance compared to several posts here :-) ) Wanted to share my small milestone with this community which has been invaluable in my journey .... Thank you for all the wisdom you guys provide :sharebeer Congratulations :D...
by ruralavalon
Tue Jul 16, 2019 9:57 am
Forum: Personal Investments
Topic: Investment Allocation Advice / Debt paydown etc.
Replies: 5
Views: 522

Re: Investment Allocation Advice / Debt paydown etc.

Thanks, all, for your feedback. I've added more info if anyone cares to wade through it. Again - thanks. What percentage of the total portfolio is in each account? Like this: Taxable brokerage account @ Schwab, aa% 401k @ Schwab, bb% Inherited IRA @ Schwab, cc% Total = 100% In the taxable brokerage...
by ruralavalon
Tue Jul 16, 2019 9:40 am
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 24
Views: 1530

Re: VTMFX or VSMGX?

Was 24% fed. Probably going to be 32% this year. 6.57% NYS 3% NYC Then of the choices you list use: VTMFX is Vanguard Tax-Managed Balanced Fund; and VNYTX is Vanguard New York Long-Term Tax-Exempt Thanks! Is there a better option for taxable? You could consider: 1) Vanguard Tax-Managed Capital Appr...
by ruralavalon
Mon Jul 15, 2019 3:38 pm
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 24
Views: 1530

Re: VTMFX or VSMGX?

Was 24% fed. Probably going to be 32% this year. 6.57% NYS 3% NYC Then of the choices you list use: VTMFX is Vanguard Tax-Managed Balanced Fund; and VNYTX is Vanguard New York Long-Term Tax-Exempt Thanks! Is there a better option for taxable? You could consider: 1) Vanguard Tax-Managed Capital Appr...
by ruralavalon
Mon Jul 15, 2019 3:24 pm
Forum: Personal Investments
Topic: Was going with AXA a bad move?
Replies: 32
Views: 2011

Re: Was going with AXA a bad move?

Yeah, unfortunately the annuity has a 7% surrender fee, which goes down to 6% next year. It will be about 7 years until there is no fee. I'm not sure if its worth just eating the fee now, and washing my hands of this. There is about $18,700 in the account right now. Eat the $1,309 surrender fee, an...
by ruralavalon
Mon Jul 15, 2019 3:12 pm
Forum: Personal Investments
Topic: Was going with AXA a bad move?
Replies: 32
Views: 2011

Re: Was going with AXA a bad move?

I looked into this some more, and looking at the contract it seems the account that I had thought was an IRA is actually an "individual annuity". I feel pretty duped, as I was told I was rolling this over into an IRA. The AXA dashboard even presents it to be an IRA, calling it "Retirement Cornersto...
by ruralavalon
Mon Jul 15, 2019 11:00 am
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 24
Views: 1530

Re: VTMFX or VSMGX?

BV3273 wrote:
Mon Jul 15, 2019 10:35 am
Was 24% fed. Probably going to be 32% this year.

6.57% NYS

3% NYC
Then of the choices you list use:
VTMFX is Vanguard Tax-Managed Balanced Fund; and
VNYTX is Vanguard New York Long-Term Tax-Exempt
by ruralavalon
Mon Jul 15, 2019 10:50 am
Forum: Personal Investments
Topic: ST Corp Bond Index (VSCSX) for cash parking?
Replies: 10
Views: 814

Re: ST Corp Bond Index (VSCSX) for cash parking?

Hey All, I'm a big fan of Vanguard Short-Term Corporate Bond Index Fund (VSCSX). Stable, low cost, current SEC yield at 2.56%. I use it to keep part of my emergency fund (2nd tier) that may or may not get utilized. Now, Wealthfront increased their Cash Account to a 2.57% APY. I have the account wit...
by ruralavalon
Mon Jul 15, 2019 10:29 am
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 24
Views: 1530

Re: VTMFX or VSMGX?

I don't recognize these tickers, and I'm sure others don't either. Would you please edit your post to include the names of the funds? Thank you. Sorry. VTMFX is Vanguard Tax-Managed Balanced Fund VSMGX is Vanguard LifeStrategy Moderate Growth VNYTX is Vanguard New York Long-Term Tax-Exempt It depen...
by ruralavalon
Mon Jul 15, 2019 10:14 am
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 100
Views: 6878

Re: Switching form passive to active management

I’m willing to be a lot more aggressive with active management, presumably because the managers I talked to claim to provide better downside protection and a lot less volatility than passive investments (I verified this claim and it appears to be true). . . . . . . . .I’m now considering a 70/30 al...
by ruralavalon
Mon Jul 15, 2019 9:59 am
Forum: Personal Investments
Topic: Would you exchange VTSAX to VTI ??
Replies: 42
Views: 2931

Re: Would you exchange VTSAX to VTI ??

On $2,270,000 the savings would be .01% or $227 a year. I wouldn’t do it. That is inconsequential in your financial plan. It could even be smaller savings than that because the expense ratio is reported to the nearest 0.01%, but that means 0.035% and 0.034% round to 0.04% and 0.03%, respectively. S...
by ruralavalon
Mon Jul 15, 2019 8:43 am
Forum: Personal Investments
Topic: Roth 403b
Replies: 16
Views: 903

Re: Roth 403b

My employer has recently given us the option of a Roth 403b. What should I consider as I decide whether this is better for me than a regular 403b? I used to contribute to a regular Roth, but now I make just a hair too much money to do so. For most people traditional 401k contributions will likely b...
by ruralavalon
Mon Jul 15, 2019 8:04 am
Forum: Personal Investments
Topic: High ER 401k vs Taxable Account
Replies: 21
Views: 987

Re: High ER 401k vs Taxable Account

The other funds listed by name and ER CREF Equity Index R1 0.47% CREF Global Equities R1 0.53% CREF Growth R1 0.49% CREF Stock R1 0.56% If the 401(k) is too large for your US stock allocation, adding Global Equities would be reasonable. I believe that fund is about 1/3 US stock and 2/3 foreign stoc...
by ruralavalon
Sun Jul 14, 2019 6:17 pm
Forum: Personal Investments
Topic: High ER 401k vs Taxable Account
Replies: 21
Views: 987

Re: High ER 401k vs Taxable Account

The closest to entire market of the four is the “CREF Equity Index R1” Which claims to attempt to mirror the Russell 3000, which is good. However, the expense ratio is 0.47% That is definitely a good fund to use, the expense ratio is not so high as to rule it out. Contribute the employee maximum of...
by ruralavalon
Sun Jul 14, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: Benefits of Fidelity vs Vanguard
Replies: 52
Views: 8462

Re: Benefits of Fidelity vs Vanguard

Both Vanguard and Fidelity are good choices for funds and account location. My personal preference is Vanguard. A lot of this comes down to personal preference. I prefer using traditional mutual funds (rather than ETFs), and Vanguard has by far the largest selection of low expense traditional mutual...
by ruralavalon
Sun Jul 14, 2019 12:07 pm
Forum: Personal Investments
Topic: Am I holding too much cash?
Replies: 30
Views: 3801

Re: Am I holding too much cash?

OP, I’m 38 years old. I have $1.24MM in stocks and bonds and $350K in cash. I have reasons. So do you. You don’t need to justify them to anyone but yourself. Holding a significant amount of cash means that you are likely leaving some upside on the table. Whether your reasons outweigh this is up to ...
by ruralavalon
Sun Jul 14, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105442

Re: What Book Are You Currently Reading? Part VI

Nature's Mutiny , by Phillip Blom. This is primarily a history about the Little Ice Age, around 1645 - 1715. it contains an interesting discussion of the climate during that period, of social and economic changes which coincided with the icy climate, and possible causal links between climate and th...
by ruralavalon
Sun Jul 14, 2019 11:26 am
Forum: Personal Investments
Topic: Am I holding too much cash?
Replies: 30
Views: 3801

Re: Am I holding too much cash?

Congratulations on your first child coming soon :) . It is good to see that you are maxing out your workplace retirement accounts. Are you also eligible to contribute to IRAs? 38 y.o. with 1st child coming soon. Sitting on ~$150k cash (most of it earning around 2.15% blended interest) and ~$192k in ...
by ruralavalon
Sat Jul 13, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105442

Re: What Book Are You Currently Reading? Part VI

Nature's Mutiny , by Phillip Blom. This is primarily a history about the Little Ice Age, around 1645 - 1715. it contains an interesting discussion of the climate during that period, of social and economic changes which coincided with the icy climate, and possible causal links between climate and th...
by ruralavalon
Sat Jul 13, 2019 6:38 pm
Forum: Personal Investments
Topic: What to do with 10k
Replies: 14
Views: 1503

Re: What to do with 10k

I'm currently trying to put at much into my 457 plan as possible. Right now I've got around $6,500-7,000 in there for 2019, which should increase with overtime as a percentage of my paycheck is invested, not a fixed amount.' My employer is a local municipality. 457 is the only plan available other ...
by ruralavalon
Sat Jul 13, 2019 5:34 pm
Forum: Personal Investments
Topic: What asset class is gold?
Replies: 41
Views: 2652

Re: What asset class is gold?

Perhaps this will help. Gold is a commodity. Commodities are not stocks or bonds. A commodity is a basic good used in commerce that is interchangeable with other commodities of the same type. Commodities are most often used as inputs in the production of other goods or services. The quality of a giv...
by ruralavalon
Sat Jul 13, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?
Replies: 83
Views: 3868

Re: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?

Is ALF Acute Liver Failure? No, we have not thought about that and have no plan. But Assisted Living Facility, and Long Term Care, yes we have thought about that and have a plan. What is your plan? Have you thought about it? If you plan to draw down your retirement portfolio it may be wise to consi...
by ruralavalon
Sat Jul 13, 2019 1:56 pm
Forum: Personal Investments
Topic: Portfolio review and financial advisor questions
Replies: 21
Views: 1798

Re: Portfolio review and financial advisor questions

Age: Me 34/Wife 32 Desired Asset allocation: 60% stocks / 40% bonds? Desired International allocation:? In my opinion your desired asset allocation is within the range of what is reasonable, although a little on the conservative side. Here are two good articles on the classic 60/40 stock/bond alloc...
by ruralavalon
Sat Jul 13, 2019 1:44 pm
Forum: Personal Investments
Topic: Engineer to Potato farmer? What are retirement options?
Replies: 11
Views: 1595

Re: Engineer to Potato farmer? What are retirement options?

Hello All! I'm looking for some advice. I work as a project engineer for a food company in a LCOL (Idaho). Last year I came across bogleheads and have been trying to get my financials in order since then. About 6 months ago my company underwent a major management change and since then things have b...
by ruralavalon
Sat Jul 13, 2019 11:38 am
Forum: Personal Investments
Topic: Advice for a College Grad Looking to Build Wealth
Replies: 31
Views: 1541

Re: Advice for a College Grad Looking to Build Wealth

I'll look further into transferring my bonds to VFIAX. And you did NOT!! Unbelievable car. Porsche does it right. I did not get into bonds until I was 49yo but that be too much risk for some. My daughter is also 23 yo RN nurse and I had her in just two vanguard funds with no bond fund or bonds the ...
by ruralavalon
Sat Jul 13, 2019 10:41 am
Forum: Personal Investments
Topic: Was going with AXA a bad move?
Replies: 32
Views: 2011

Re: Was going with AXA a bad move?

Welcome to the forum :) . So here's the story. And I'll preface this with, I know next to nothing about investing. A friend of mine works for AXA and last year when I switched companies he convinced me to roll over my 401k into an IRA with AXA. That account is currently valued at about 18k. Last mo...
by ruralavalon
Sat Jul 13, 2019 10:04 am
Forum: Personal Investments
Topic: Was going with AXA a bad move?
Replies: 32
Views: 2011

Re: Was going with AXA a bad move?

Welcome to the forum :) . So here's the story. And I'll preface this with, I know next to nothing about investing. A friend of mine works for AXA and last year when I switched companies he convinced me to roll over my 401k into an IRA with AXA. That account is currently valued at about 18k. Last mon...
by ruralavalon
Sat Jul 13, 2019 9:38 am
Forum: Personal Investments
Topic: VUSXX vs. VUBFX, preference?
Replies: 7
Views: 625

Re: VUSXX vs. VUBFX, preference?

I need to hold some money in my Taxable account for a down payment on a house. I'm looking at Vanguard Treasury Money Market VUSXX which has a 0.09% expense ratio and the Vanguard Ultra Short Term Bond VUBFX which has an expense ratio of 0.20%. I know the Boglehead method prefers to maximize the lo...
by ruralavalon
Sat Jul 13, 2019 9:30 am
Forum: Personal Investments
Topic: VUSXX vs. VUBFX, preference?
Replies: 7
Views: 625

Re: VUSXX vs. VUBFX, preference?

How about ICSH iShares Ultra Short-Term Bond ETF? Similar yield to vanguard ultra short but a shorter duration. ER is only .08%. Purchase commission free at Vanguard and Fidelity. The SEC Yield of ICSH is better, 2.64%, mostly because of the lower expense ratio than the Vanguard fund. Also ICSH has...
by ruralavalon
Sat Jul 13, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1289
Views: 121437

Re: U.S. stocks continue to soar!

<r><QUOTE author="H-Town" post_id="4639879" time="1563027401" user_id="118021"><s>[quote=H-Town post_id=4639879 time=1563027401 user_id=118021]</s> <QUOTE author="DaftInvestor" post_id="4639782" time="1563022023" user_id="51580"><s>[quote=DaftInvestor post_id=4639782 time=1563022023 user_id=51580]</...
by ruralavalon
Sat Jul 13, 2019 8:31 am
Forum: Personal Investments
Topic: my mom is a "financial advisor"
Replies: 66
Views: 7154

Re: my mom is a "financial advisor"

my mom works for a well known questionable/scam-like financial services company. she was trying to sell me on AGTHX. she showed me a morningstar hypo report that showed it beating the S&P500 over the last 30y or so? but when i look at the same fund on yahoo finance compared with sp500 it does not e...
by ruralavalon
Sat Jul 13, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?
Replies: 83
Views: 3868

Re: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?

Is ALF Acute Liver Failure? No, we have not thought about that and have no plan. But Assisted Living Facility, and Long Term Care, yes we have thought about that and have a plan. What is your plan? Have you thought about it? If you plan to draw down your retirement portfolio it may be wise to consid...