Search found 18082 matches

by ruralavalon
Tue May 26, 2020 6:22 pm
Forum: Personal Investments
Topic: [Is an Investment Policy Statement needed? How do I write one?]
Replies: 17
Views: 319

Re: [Is an Investment Policy Statement needed? How do I write one?]

We have an investment policy statement, it's very simple, just one typed page.I

It is primarily intended for my wife to follow when I can no longer handle our investments.
by ruralavalon
Tue May 26, 2020 6:08 pm
Forum: Personal Investments
Topic: Any retirees get through Covid crisis without large cash reserve?
Replies: 33
Views: 1270

Re: Any retirees get through Covid crisis without large cash reserve?

As the dust begins to settle on the Covid pandemic and resulting stock market crash, and with the market making a strong comeback, I’m taking stock of my personal situation of *not* having had a sizeable cash reserve about 11 years into retirement and selling shares in the “down market.” Overall, I...
by ruralavalon
Tue May 26, 2020 4:53 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 65
Views: 4846

Re: Is Vanguard's Personal Advisor Service Worth It???

@ruralavalon Here is the link… https://workplaceservices.fidelity.com/mybenefits/workplacefunds/summary/TF6O?suppressFundFactSheet=true Fidelity confirmed my plan allows a reverse IRA rollover. The plan offers a Roth 401k as well. However, I'd rather max out my traditional 401k and fund a Vanguard ...
by ruralavalon
Tue May 26, 2020 12:28 pm
Forum: Personal Investments
Topic: Should I lump sum some money today?
Replies: 10
Views: 784

Re: Should I lump sum some money today?

Well, my attempt to market time has failed, as the "dead cat bounce" rally doesn't seem to be dying (though knowing my luck, a new bottom is right around the corner). I have $4k left in brokerage account I was hoping to use to buy on a further decline, should I lump sum it today, or am I buying in ...
by ruralavalon
Tue May 26, 2020 12:26 pm
Forum: Personal Investments
Topic: Which balance fund in taxable acct for 10% tax bracket?
Replies: 7
Views: 491

Re: Which balance fund in taxable acct for 10% tax bracket?

Both are excellent balanced funds.

I suggest Vanguard Balanced Index Fund (VBIAX).
by ruralavalon
Tue May 26, 2020 12:07 pm
Forum: Personal Investments
Topic: One Fidelity Fund Only - Possible?
Replies: 23
Views: 1842

Re: One Fidelity Fund Only - Possible?

Hello All: After further research based on comments received, I have decided to transfer my $350K TSP acct to Vanguard instead of Fidelity due to lower fund fees and invest in one of the Balanced funds where rebalancing is performed by the company for lazy me who has no interest to monitor my inves...
by ruralavalon
Tue May 26, 2020 11:43 am
Forum: Personal Investments
Topic: Newbie Advice (Updated for review)
Replies: 10
Views: 675

Re: Newbie Advice (updated plan for review)

I appreciate all the feedback so far. I'd like feedback on where I'm at moving forward. I've been doing a lot of reading the past few weeks and I'm learning much about investing and about myself. My investing goal at the end of the day is ultimately maximize our savings for the future. I feel this ...
by ruralavalon
Tue May 26, 2020 9:17 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 65
Views: 4846

Re: Is Vanguard's Personal Advisor Service Worth It???

In my opinion in your employer's 401k plan the best funds to consider using include: 1) Fidelity 500 Index Fund (FXAIX) (0.015%); and 2) Vanguard Total International Stock Index Fund (VTIAX) (0.11%). Can you post a link to the fact sheet for "CNB 401K Bond Fund"? It would be good to be able to use a...
by ruralavalon
Mon May 25, 2020 2:12 pm
Forum: Personal Investments
Topic: TSP and 401(k) Asset Allocation Questions & Review
Replies: 8
Views: 637

Re: TSP and 401(k) Asset Allocation Questions & Review

Bogleheads' usual recommendations for international range from approximately 20% to 30%. From the research I've done so far on these forums, I think that I would be more comfortable being near the bottom of that 20%-30% range. With the M* recommendations, I would be 33.75% allocated toward internat...
by ruralavalon
Mon May 25, 2020 1:27 pm
Forum: Personal Investments
Topic: [UPDATE] My asset allocation & Total int'l stock index?
Replies: 30
Views: 1826

Re: [UPDATE] My asset allocation & Total int'l stock index?

Just updated the original post with further questions, any comments are appreciated. Option 3, use an international stock fund in your tax-deferred account. Although actively managed both Vanguard International Growth Fund - Admiral Shares VWILX: 0.32 and American Funds EuroPacific Growth RERGX: 0....
by ruralavalon
Mon May 25, 2020 12:09 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 18
Views: 1175

Re: Portfolio Review

New annual Contributions $19.5k his 401k (~$10k match) into Vanguard Life Strategy $39k her 403b+457b ($0 match) into total US bonds & US stocks $6k his Roth IRA (backdoor) into REIT & small value $6k her Roth IRA (backdoor) into REIT & small value $3.5 his HSA (employee only) $40k taxable, plan to...
by ruralavalon
Mon May 25, 2020 11:31 am
Forum: Personal Investments
Topic: TSP and 401(k) Asset Allocation Questions & Review
Replies: 8
Views: 637

Re: TSP and 401(k) Asset Allocation Questions & Review

What overall asset allocation (stock/bond mix, and domestic/international stock mix) do you want to aim for? Annual Contributions: Roughly $4,000 in 401k ($675 individual, $3,325 employer) Roughly $6,500 in TSP ($3,250 individual, $3,250 employer) It's nice to see an employer match in both plans. At...
by ruralavalon
Mon May 25, 2020 11:03 am
Forum: Personal Investments
Topic: Dollar Cost Averaging - How long?
Replies: 14
Views: 1203

Re: Dollar Cost Averaging - How long?

Oleanmike wrote:
Sun May 24, 2020 12:17 pm
I am sitting on a lot of cash (7 figures) that I want to get back into my asset allocation via dollar cost averaging.
First pick an asset allocation better suited to your risk tolerance.

Eagle33 wrote:
Sun May 24, 2020 4:44 pm
Lump sum 1/2 now and DCA over the next 6-months. Guaranteed to be at least half right.
+ 1.
by ruralavalon
Mon May 25, 2020 10:37 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 18
Views: 1175

Re: Portfolio Review

Are Roth contributions permitted in his current employer's 401k, or in her employer's plans? You could consider making some of your contributions Roth contributions if possible. How many years left on the mortgage? Questions 1. Is this a reasonable portfolio in terms of asset allocation & location &...
by ruralavalon
Sun May 24, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: Do you hold commodities?
Replies: 26
Views: 1562

Re: Do you hold commodities?

No, I don't invest in commodities. I have no need to hedge against price changes in corn, soybeans, hogs or any other commodity.
by ruralavalon
Sun May 24, 2020 9:40 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1405
Views: 189716

Re: Post your Financial Milestone Announcements Here

LadyGeek wrote:
Sun May 24, 2020 9:38 am
Earlier this month, I retired. My final paycheck just showed up in my bank account.
Congratulations on your retirement :D .
by ruralavalon
Sun May 24, 2020 9:38 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110219

Re: Jack Bogle - Two Fund Portfolio

Boring old Balanced Index is only down 4% this year. Yes. If I’ve decided against international funds is there any disadvantage to using this balanced index one fund approach as opposed to the 2 fund? I’m 64 and trying to find a true buy and hold strategy since I panicked in March and did our portf...
by ruralavalon
Sun May 24, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 61
Views: 6068

Re: El-Erian comments on the crisis

Interesting interview and comments from someone who has IMO a good understanding of markets and the economy. Like Zell, he doesn't think a V shaped recovery is a sure thing. Lots of risk still out there and our options to deal with it are robust but less than perfect. Sobering assessment. https://w...
by ruralavalon
Sat May 23, 2020 1:19 pm
Forum: Personal Investments
Topic: Portfolio advice
Replies: 4
Views: 469

Re: Portfolio advice

Welcome to the forum :) . Please consider adding the ticker symbol and expense ratio for each fund in the cash balance pension plan, and the expense ratio for each fund in the 401k plan. Sometimes the expense ratio charged in a work-based plan is different than the expense ratio charged the general ...
by ruralavalon
Sat May 23, 2020 1:06 pm
Forum: Personal Investments
Topic: [UPDATE] My asset allocation & Total int'l stock index?
Replies: 30
Views: 1826

Re: My asset allocation & Total int'l stock index?

Many thanks to retired@50 and ruralavalon. I benefit a lot from the wisdom of the crowd, especially by reading discussions posted in this forum. After some studies, I tend to agree with ruralavalon that it's probably better off going with ETF than Fidelity's own products because in the future if I ...
by ruralavalon
Sat May 23, 2020 12:39 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1405
Views: 189716

Re: Just Paid Off My Mortgage

[Thread merged into here, see below. --admin LadyGeek] I'm really concerned about the stock market, so I decided to pay off my mortgage. It was a close call on an NPV analysis, but its nice to not have any debt. We own 2 cars. Have anyone done the same? Congratulations :) . We paid off the mortgage...
by ruralavalon
Sat May 23, 2020 11:52 am
Forum: Personal Investments
Topic: Current 401k contributions?
Replies: 10
Views: 802

Re: Current 401k contributions?

Hi Everyone - I hope this post finds you all safe! Have any of you made any adjustments to your 401k contributions? Also, people who have used this vehicle and are now retired...any advice? Yes, I understand everyone's situations are different, just looking to hear thoughts/views/actions people are...
by ruralavalon
Sat May 23, 2020 11:01 am
Forum: Personal Investments
Topic: Bond Component of 3-fund portfolio
Replies: 4
Views: 504

Re: Bond Component of 3-fund portfolio

When constructing a 3-fund portfolio to be held long term: VTSAX (Total Stock Market Index), VTIAX (Total International Stock Index) and a Bond component, which is better for the bond portion: 1. 100% VBTLX (Total Bond Market Index) 2. 50% VBTLX (Total Bond Market Index) and 50% VTAPX (Short-Term I...
by ruralavalon
Sat May 23, 2020 10:50 am
Forum: Personal Investments
Topic: [UPDATE] My asset allocation & Total int'l stock index?
Replies: 30
Views: 1826

Re: My asset allocation & Total int'l stock index?

Welcome to the forum :) . After working for three years in school, I finally got some time (thanks to COVID-19) to think about how to invest money wisely. Of course, I hate losing my hard-earned money. I think passive investment work best for me given my daily schedule, I'm thinking to allocate my a...
by ruralavalon
Sat May 23, 2020 10:26 am
Forum: Personal Investments
Topic: Portfolio Review (first time): 31 & hoping to finally take control of finances
Replies: 29
Views: 1585

Re: Portfolio Review (first time): 31 & hoping to finally take control of finances

What is your goal? My general goal is to be able to retire comfortably at a typical retirement age, in about 35-38 years. How much are you contributing to your savings per year? Besides the last two years of maxing out my Roth contribution, basically nothing. I've been essentially living pay check ...
by ruralavalon
Fri May 22, 2020 12:11 pm
Forum: Personal Investments
Topic: Replicating Total Stock Market in a 401k?
Replies: 8
Views: 320

Re: Replicating Total Stock Market in a 401k?

I am a very young investor hoping to save for retirement in ~30 years. My goal is to create a "lazy portfolio" that requires minimal attention and captures the market as a whole. Something similar to 72% Total Stock Market, 18% Total International Stock Market, and 10% Total Bond seems about right....
by ruralavalon
Fri May 22, 2020 12:02 pm
Forum: Personal Investments
Topic: Combine 401k Accounts?
Replies: 8
Views: 354

Re: Combine 401k Accounts?

A family member recently started a new job. She has a 401k account with a previous megacorp employer. She is now contributing to a 401k account with a new megacorp employer. What are the pros and cons of keeping the two accounts separate vs rolling the old account into the new one? If she decides t...
by ruralavalon
Fri May 22, 2020 9:53 am
Forum: Personal Investments
Topic: Portfolio Review (first time): 31 & hoping to finally take control of finances
Replies: 29
Views: 1585

Re: Portfolio Review (first time): 31 & hoping to finally take control of finances

1. New Job Benefits, beginning 09/2020, offers either a Traditional or Roth IRA with TIAA and a company match of up to 1% in salary for first two years, increasing each year until 8%. No match at current job. I’m assuming I should I opt for the traditional IRA since I already have a Roth? That is n...
by ruralavalon
Fri May 22, 2020 9:25 am
Forum: Personal Investments
Topic: A very simple situation but help is needed [How should I invest my 150k?]
Replies: 19
Views: 1624

Re: A very simple situation but help is needed [How should I invest my 150k?]

Ruralavalon, thank you very much for your thoughtful responses and feedback. It has been very helpful. This is a great community for a complete newbie 32 year old investor like myself. So, a slight monkey wrench was thrown at me. I called FIdelity to increase my 401k contribution to 60% of my paych...
by ruralavalon
Thu May 21, 2020 3:08 pm
Forum: Personal Investments
Topic: Cash to bonds. But where?
Replies: 13
Views: 1233

Re: Cash to bonds. But where?

What bond funds you currently use? Total Bond Market Index. That would also be a good choice for increasing your desired bond allocation, and would keep the portfolio simpler. Thanks for the response. All our VBTLX is in tax-deferred. We really want bonds that are more liquid for future big-ticket ...
by ruralavalon
Thu May 21, 2020 1:47 pm
Forum: Personal Investments
Topic: Portfolio Review (first time): 31 & hoping to finally take control of finances
Replies: 29
Views: 1585

Re: Portfolio Review (first time): 31 & hoping to finally take control of finances

These are my suggestions. Debt: Student Loan Debt: $6,940 at 6.25% interest — Repayment schedule: 105 months at $132.12; projected end date: 06/09/2029
 I suggest selling "15.52%: BLV — 0.07% (Vanguard Long-Term Bond ETF)" in the taxable account to pay off the 6.25% student debt. A bond fund is not ...
by ruralavalon
Thu May 21, 2020 1:32 pm
Forum: Personal Investments
Topic: Cash to bonds. But where?
Replies: 13
Views: 1233

Re: Cash to bonds. But where?

retire57 wrote:
Thu May 21, 2020 12:46 pm
What bond funds you currently use?
Total Bond Market Index.
That would also be a good choice for increasing your desired bond allocation, and would keep the portfolio simpler.
by ruralavalon
Thu May 21, 2020 12:52 pm
Forum: Personal Investments
Topic: Growth fund mutual fund vs. Total stock market index
Replies: 15
Views: 720

Re: Growth fund mutual fund vs. Total stock market index

Hello, Most of my stock portfolio is in Vanguard Total Stock Market Index (VTSAX), however my stock in my 401k is in T Rowe Price Blue Chip Growth Fund (TBCIX). I've been comparing the two since inception and it seems that TBCIX holds up better in good and bad times. Would anyone out there in my sh...
by ruralavalon
Thu May 21, 2020 12:43 pm
Forum: Personal Investments
Topic: inquiry from AXA may 2020
Replies: 5
Views: 246

Re: inquiry from AXA may 2020

Welcome to the forum :) . Greetings, this is my first post. I received an inquiry from AXA to move to an SCS Protected Equity index, a 6 year terms, and an AB Strategy actively managed approach with a 1.3% charge maximum 3% charge. Currently have $ 1.5 million in fidelity 401k balance with approx. 6...
by ruralavalon
Thu May 21, 2020 12:37 pm
Forum: Personal Investments
Topic: Cash to bonds. But where?
Replies: 13
Views: 1233

Re: Cash to bonds. But where?

Retired couple here wondering where to place our monthly cash surplus. We plan to keep 10K in our Prime MM fund but are searching for a better yield. In addition, our annual rebalancing dictates adding to our bond holdings. The goal of this money is undetermined. Perhaps a future car replacement, m...
by ruralavalon
Thu May 21, 2020 11:02 am
Forum: Personal Investments
Topic: Please help streamlining this mess
Replies: 8
Views: 655

Re: Please help streamlining this mess

Welcome to the forum :) . Hello, Long overdue, my husband and I have finally taken the time to look at our finances. We have never had a strategy and want to build a holistic portfolio that requires minimal attention. Emergency fund: Yes, excluded 1.5 year living expenses from assets below Debt: Deb...
by ruralavalon
Thu May 21, 2020 10:10 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11375

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Welcome to the forum :) . I have read some variant of this thread many, many times, but here goes. I went all cash in my retirement plans (401a,403b,457b) based on Tepper's call last Wed, that the market is the most overvalued he's ever seen except in 1999. His arguments made a lot of sense (also th...
by ruralavalon
Thu May 21, 2020 9:53 am
Forum: Personal Investments
Topic: Finding Bogleheads forum saved me hundreds of thousands of dollars
Replies: 10
Views: 2392

Re: Finding Bogleheads forum saved me hundreds of thousands of dollars

I almost panic sold some holding weeks ago. I literally had to only click the "submit order" button on the Vanguard site, I had picked holdings & specified quantities already. I literally stared at the webpage & slowly talked myself out of it. That day was coincidentally the day my portfolio was at...
by ruralavalon
Wed May 20, 2020 5:32 pm
Forum: Personal Investments
Topic: How [do I figure out my investment rate of return]?
Replies: 11
Views: 935

Re: How [do I figure out my investment rate of return]?

I've done all investment via a Vanguard account for the past 15 years. I use it to trade stocks, mutual funds, and also run money in and out of my settlement/moneymarket account. I'd like to determine my overall investment success rate over the years, and they do offer graphs and other data for tha...
by ruralavalon
Wed May 20, 2020 5:15 pm
Forum: Personal Investments
Topic: Finding Bogleheads forum saved me hundreds of thousands of dollars
Replies: 10
Views: 2392

Re: Finding Bogleheads forum saved me hundreds of thousands of dollars

In 2008 I was renting and was mad that the housing bubble made buying a house unaffordable for me. I was reading every doom and gloom website out there. I put my 401k into cash in June 2008 but still had some individual stocks left. I was giddy when Lehman fell and stocks were tanking and housing w...
by ruralavalon
Wed May 20, 2020 4:46 pm
Forum: Investing - Theory, News & General
Topic: Why is total market weighted index best?
Replies: 61
Views: 4276

Re: Why is total market weighted index best?

. . . . . But I'm looking for positive arguments. Why is a total market weighted index the best choice? Why is it better than an equal weighted index (which is a different animal, more small mid cap and probably more value tilt) . . . . . "Index Fund Investing" . The first attempts at index investi...
by ruralavalon
Wed May 20, 2020 1:01 pm
Forum: Personal Investments
Topic: New to Vanguard!
Replies: 30
Views: 2061

Re: New to Vanguard!

Will either or both of you receive a substantial pension in addition to Social Security? About how much is currently in your traditional tax-advantaged accounts? How much is currently in each account? What do you estimate that your annual retirement living expenses might be? I get that contributing ...
by ruralavalon
Wed May 20, 2020 10:04 am
Forum: Personal Investments
Topic: 80/20, 90/10, 100/0 for a low net worth accumulator?
Replies: 36
Views: 2016

Re: 80/20, 90/10, 100/0 for a low net worth accumulator?

Thanks all for the replies. It seems the consensus is that the choice is based on my stomach for volatility over anything else. That being the case, I think I'll stick with my focus on equities for now. Not the cheapest time to enter BND anyways. I think I'll just have to wait until I'm actually wo...
by ruralavalon
Wed May 20, 2020 9:41 am
Forum: Personal Investments
Topic: New to Vanguard!
Replies: 30
Views: 2061

Re: New to Vanguard!

At what age do you believe you might retire? Also I realized my 403b has the option to be a traditional 401k or Roth 401k; does this fall into the same predicament I am in where due to income I cannot contribute outright to a Roth IRA? Or is that something different. No. There is no income limit for...
by ruralavalon
Tue May 19, 2020 3:58 pm
Forum: Personal Investments
Topic: New to Vanguard!
Replies: 30
Views: 2061

Re: New to Vanguard!

I do have a 403b at work. However, I contribute the 4% as they only match the 50% of the first 4% you contribute, (2.0%). The fund I have it in is the Vanguard Institutional Index I which the expense ratio is 0.04% all others are very high +0.75%. You only need one of two decent funds in a work-bas...
by ruralavalon
Tue May 19, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 62
Views: 6032

Re: Where to park cash in Fidelity?

Fidelity is not a bank, but a brokerage; thus cannot offer high yield savings. Fidelity could offer a similar product, or use banks to do so, through cash management accounts. I don't think it's reasonable to expect a fund company to also be a bank. Schwab and others pull it off. No reason Fidelity...
by ruralavalon
Tue May 19, 2020 3:33 pm
Forum: Personal Investments
Topic: Which ETF should i choose from the big list of Vanguard ETF's?
Replies: 19
Views: 1334

Re: Which ETF should i choose from the big list of Vanguard ETF's?

. . . but I believe - when it comes to ETF's, performance is the key advocate in making a choice . . . That is not the key. In selecting funds strive for a combination of both broad diversification (to reduce risk) and low expense ratios (to increase your net return). Low expense ratios are critica...
by ruralavalon
Tue May 19, 2020 3:15 pm
Forum: Personal Investments
Topic: Why No Roth 403b Option?
Replies: 9
Views: 501

Re: Why No Roth 403b Option?

Since the 457 has to be through Nationwide and the 403b can be through any of a number of providers (most notably Vanguard, where I have the rest of my accounts), I figured I'd go with the 403b. Vanguard is one plan provider. What funds are offered in the Vanguard 403b, at what expense ratios? Are ...
by ruralavalon
Tue May 19, 2020 2:25 pm
Forum: Personal Investments
Topic: The Final Definitive Thread on Best Brokerage
Replies: 30
Views: 3963

Re: The Final Definitive Thread on Best Brokerage

J.D.Power (4/4/2019) . Fidelity (807) ranks highest in self-directed investor satisfaction among investors seeking guidance. Vanguard (806) ranks second and Charles Schwab (804) ranks third. Charles Schwab (805)ranks highest in self-directed investor satisfaction among DIY investors. Vanguard (800)...
by ruralavalon
Tue May 19, 2020 1:05 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 62
Views: 6032

Re: Where to park cash in Fidelity?

I don't think it's reasonable to expect a fund company to also be a bank.