Search found 16487 matches

by ruralavalon
Mon Nov 18, 2019 4:09 pm
Forum: Personal Investments
Topic: What to do with $300K cash?
Replies: 6
Views: 1230

Re: What to do with $300K cash?

Welcome to the forum :) . Dear friends, We need your help! Let me describe our situation: 1. We’re a couple in our middle 40s with two children living in a low-living-cost midwestern university town. 2. We both have stable/secured jobs and plan to work until we are 65 (or at least 60). We have maxim...
by ruralavalon
Mon Nov 18, 2019 3:44 pm
Forum: Personal Investments
Topic: 60/40 [Portfolio asset allocation]
Replies: 12
Views: 1600

Re: 60/40 [Portfolio asset allocation]

Is the 60%/40% investment still a good thing right now given that the market is way overdue for a major pullback? ( was thinking of investing 60% in BND and BNDX and 40% in VTI and VXUS ) How do you know that "the market is way overdue for a major pullback"? I don't know that. Don't try to guess wh...
by ruralavalon
Mon Nov 18, 2019 3:09 pm
Forum: Personal Investments
Topic: Newbie seeking help
Replies: 8
Views: 487

Re: Newbie seeking help

Yes, i do have a 401k and Roth IRA accounts at TDA. You need to give us more information then. For example, what is available in the 401k? Please follow the format shown in the link at the bottom of this message. It's what we use to help people with their portfolio questions. By doing that we get a...
by ruralavalon
Mon Nov 18, 2019 2:59 pm
Forum: Personal Investments
Topic: Retired, what to do with a new chunk of money?
Replies: 10
Views: 1555

Re: Retired, what to do with a new chunk of money?

OK, lots of posts to respond to 1. We are both retired [she is 71, I am 70], but she has a couple of part time retirement things that earn. Together, maybe $20K to $25K. So I understand she can set up a Roth with that, but limit of $7000 a year? That would be only a small amount of the total to put...
by ruralavalon
Sun Nov 17, 2019 12:55 pm
Forum: Personal Investments
Topic: Newbie seeking help
Replies: 8
Views: 487

Re: Newbie seeking help

Welcome to the forum :) . It's good to see that you are debt free, have an emergency fund, and switching to managing your own investments. Hello Bogleheads, please excuse my naive question. I need some direction. I am a newbie to self-managed investment. I just finished reading The Bogleheads, Guide...
by ruralavalon
Sun Nov 17, 2019 12:06 pm
Forum: Personal Investments
Topic: Suggestions on "bond" allocation
Replies: 6
Views: 468

Re: Suggestions on "bond" allocation

Looking for advice on the best investment for our 20% "bond" allocation. With a constant flow of new money to invest does it make sense to park the money in bonds, CDs or Money Market? There is no immediate need for the money so no concerns with it being liquid. Our Federal tax rate is 37%, State 6...
by ruralavalon
Sun Nov 17, 2019 11:38 am
Forum: Personal Investments
Topic: Investment suggestions for spouse
Replies: 25
Views: 786

Re: Investment suggestions for spouse

You said "the amount she’s dealing with is probably the six figure range", can you be more exact? As mentioned she can quickly (now and in January) contribute $14k to an IRA. Then the question becomes "what to do with the rest"? It should not remain uninvested. In a taxable investment, the good news...
by ruralavalon
Sun Nov 17, 2019 11:21 am
Forum: Personal Investments
Topic: Do you regret rebalancing over the last few years?
Replies: 66
Views: 5275

Re: Do you regret rebalancing over the last few years?

If you practice re-balancing, you have probably re-balanced many times from stocks to bonds, and from US to international, over the last several years. Meanwhile, of course, stocks and US stocks in particular have kept on out-performing. Given the size of many Bogleheads' portfolio, I am guessing t...
by ruralavalon
Sun Nov 17, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466525

Re: What are you up YTD? [Year To Date]

My 30/70 PF has gained exactly 12.00% YTD. Beardstown: +12.89% YTD. BT math doesn't move the needle much anymore. Ah, to be young again and have very few assets! :sharebeer I am in a mode where I am saving more than ever before but I have only been saving a lot for a few years, so my savings each y...
by ruralavalon
Sun Nov 17, 2019 10:54 am
Forum: Personal Investments
Topic: Investment suggestions for spouse
Replies: 25
Views: 786

Re: Investment suggestions for spouse

Hi, My currently unemployed wife (for a few years, but will probably go back to work) who is in her early fifties, has come into some money from an inheritance and sale of a deceased parent’s house. She doesn’t have much money invested already, but wants to put a good chunk of what she’s newly come...
by ruralavalon
Sun Nov 17, 2019 10:19 am
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3450

Re: Charles Schwab or Fidelity?

So is it fair to say that the current Boglehead consensus to use VG funds, but not hold them in VG. No. The current boglehead consensus is the absence of consensus :) I personally think holding VG (and occasional iShares) ETFs (not MFs) at another brokerage, preferably Fido, is the best approach. T...
by ruralavalon
Sun Nov 17, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4125
Views: 1176121

Re: What Book Are You Currently Reading? Part VI

General of the Army , by Ed Cray. This is a biography of General George C. Marshall, U.S. Army Chief of Staff during World War Two, later Secretary of State, author of the Marshall Plan for the post-war relief and reconstruction of Europe, and Secretary of Defense. The patriotism and sacrifices of ...
by ruralavalon
Sat Nov 16, 2019 4:52 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 139897

Re: Post your Financial Milestone Announcements Here

Hi, Hooray!! My year-to-date portfolio growth plus contribution exceeded my gross household income. KlangFool Congrats! When I look at my own portfolio, I see the same! Funny how we play these games though. If you bump it back to the 1-year growth I’d wager it’s a much different picture. Even 2-yea...
by ruralavalon
Sat Nov 16, 2019 4:34 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 139897

Re: Post your Financial Milestone Announcements Here

Hi, Hooray!! My year-to-date portfolio growth plus contribution exceeded my gross household income. KlangFool Congrats! When I look at my own portfolio, I see the same! Funny how we play these games though. If you bump it back to the 1-year growth I’d wager it’s a much different picture. Even 2-yea...
by ruralavalon
Sat Nov 16, 2019 2:41 pm
Forum: Personal Investments
Topic: Help with this portfolio. Asset Allocation
Replies: 2
Views: 458

Re: Help with this portfolio. 100% stock.

It's great to see that you are debt free, using low expense index funds, and making maximum contributions to his 401k and IRA. With "Combined value 1,602,002.00" and "living expenses are less than 1,500 a month" it looks like you are in good shape. Some additional information may be useful, see my q...
by ruralavalon
Sat Nov 16, 2019 1:28 pm
Forum: Personal Investments
Topic: Asset allocation in Traditional 401k
Replies: 11
Views: 650

Re: Asset allocation in Traditional 401k

Congratulations on your imminent retirement :D . I have appx 220,000 in Triditional 401k with Fidelity. Asset allocation is 100% Vanguards S&P 500 index fund VINIX. I would like to go 50-50 stocks and bonds. My only choices are: 1. Loomis Sayles Strategic Income Fund Class Y NEZYX Exp ratio .71 2. P...
by ruralavalon
Sat Nov 16, 2019 1:22 pm
Forum: Personal Investments
Topic: Cancelling M* Premium
Replies: 13
Views: 1172

Re: Cancelling M* Premium

Looks like it's now possible to cancel your M* premium on line rather than with a phone call. Has anyone cancelled this way? Also wondering if cancelling premium will delete all my portfolio data. I'll assume it does and ask folks here if there's a way to DL the data and then re upload into the new...
by ruralavalon
Sat Nov 16, 2019 1:18 pm
Forum: Personal Investments
Topic: Retired, what to do with a new chunk of money?
Replies: 10
Views: 1555

Re: Retired, what to do with a new chunk of money?

I've had my IRA and wife's IRA at Vanguard for about 5 years. All in index funds, total roughly $500K, 50/50 stocks/bonds. Her father died in 2012 and she put a big chunk of her share into an LLC, along with one of her sisters, to buy out the other siblings' shares in her dad's house. Now she is go...
by ruralavalon
Sat Nov 16, 2019 1:01 pm
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3450

Re: Charles Schwab or Fidelity?

Which do you recommend if Vanguard is not an option? It’s for my solo401k and Vanguard doesn’t accept rollover from sep. My preference would be Fidelity over Schwab. Fidelity offers a total international stock index fund and a small-cap value index fund, which Schwab does not. (Both offer ETFs for ...
by ruralavalon
Sat Nov 16, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 78
Views: 3938

Re: Tax Deferred : Taxable : Tax Free

WoodSpinner wrote:
Sat Nov 16, 2019 11:28 am
Interesting question....

Tax Deferred: 97%
Taxable: 1%
Tax Free: 2%

Retired Jan2018 and have been doing Roth Conversions and spending down taxable — while really enjoying retirement.

WoodSpinner
Good plan. That is what we did at first when I retired.

Glad you really enjoy retirement :) .
by ruralavalon
Sat Nov 16, 2019 12:24 pm
Forum: Personal Investments
Topic: Investment suggestions for spouse
Replies: 25
Views: 786

Re: Investment suggestions for spouse

Hi, My currently unemployed wife (for a few years, but will probably go back to work) who is in her early fifties, has come into some money from an inheritance and sale of a deceased parent’s house. She doesn’t have much money invested already, but wants to put a good chunk of what she’s newly come...
by ruralavalon
Sat Nov 16, 2019 11:23 am
Forum: Personal Investments
Topic: Keeping my Co. 401k
Replies: 18
Views: 854

Re: Keeping my Co. 401k

I am currently retired and am in the process of deciding if I should keep my company 401k plan which is low cost with limited invest choices mostly index type funds or rolling it all to Vanguard. Performance is similar to index mutual funds you can get in the open market and It also has Common Asse...
by ruralavalon
Sat Nov 16, 2019 11:05 am
Forum: Personal Investments
Topic: Whats your favorite financial related site? (news, tips, anything!)
Replies: 23
Views: 2443

Re: Whats your favorite financial related site? (news, tips, anything!)

Whats your favorite financial related site? (news, tips, anything!) :sharebeer :beer In addition to Bogleheads, I use Morningstar for financial information. do you sign up for an account with them? Yes, I have a no cost account to be able to read their articles, see fund information, to use their f...
by ruralavalon
Sat Nov 16, 2019 9:42 am
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 34
Views: 3753

Re: Recently married, early 30's portfolio/fire advice?

So to recap our current AA: Taxable 100% Vanguard Total Stock Market Index Fund (VTSAX) 0.04% ER His 401(k) 65% Fidelity 500 Index Institutional Prem (FXAIX) 0.02% ER 15% Fidelity International Index (FSPSX) 0.05% ER 20% Metropolitan West Total Return Bond (MWTRX) 0.45% ER w/ 0% employer match Her ...
by ruralavalon
Fri Nov 15, 2019 2:22 pm
Forum: Personal Investments
Topic: Whats your favorite financial related site? (news, tips, anything!)
Replies: 23
Views: 2443

Re: Whats your favorite financial related site? (news, tips, anything!)

CodeMaster wrote:
Fri Nov 15, 2019 1:53 pm
Whats your favorite financial related site? (news, tips, anything!)

:sharebeer :beer
In addition to Bogleheads, I use Morningstar for financial information.
by ruralavalon
Fri Nov 15, 2019 2:03 pm
Forum: Personal Investments
Topic: 401K help and transition plan
Replies: 12
Views: 531

Re: 401K help and transition plan

Jvasqu01 wrote:
Fri Nov 15, 2019 1:58 pm

ruralavalon wrote:
Thu Nov 14, 2019 4:17 pm

What is the benchmark for "International Equity - 0.47%"? Does it cover both developed and emerging markets?
Benchmark is MSCI ACWI Ex USA NR
That suggests that the fund includes both developed and emerging markets.
by ruralavalon
Fri Nov 15, 2019 1:59 pm
Forum: Personal Investments
Topic: Financial planning now that retired
Replies: 54
Views: 11003

Re: Financial planning now that retired

Follow up. After months of researching, reading everyone's posts, and seeing several FAs, we have transferred from EJ to Fidelity in kind. Congratulations on escaping from Edward Jones :) . Fidelity is a good choice. When considering suggestions from Fidelity, stick with using their low expense rat...
by ruralavalon
Thu Nov 14, 2019 5:00 pm
Forum: Personal Investments
Topic: Help me choose 401k funds
Replies: 6
Views: 276

Re: Help me choose 401k funds

Welcome to the forum :) . Hello, Fairly new to the forum. I have a 401k and Roth IRA. My employer offers the following funds in its 401k plan. I am looking to implement the three fund portfolio. What would you recommend? (ER is net.) Name / Ticker / Expense ratio American Funds EuroPacific Gr R6, RE...
by ruralavalon
Thu Nov 14, 2019 4:17 pm
Forum: Personal Investments
Topic: 401K help and transition plan
Replies: 12
Views: 531

Re: 401K help and transition plan

Welcome to the forum :) . Here is a wiki article you could read to start educating yourself: "Bogleheads® investment philosophy . For a quick overview of investing basics for the new person read Dr. Bernstein's short book, "If You Can" . I am diversified into every possible option in my 401K so what...
by ruralavalon
Thu Nov 14, 2019 3:32 pm
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 34
Views: 3753

Re: Recently married, early 30's portfolio/fire advice?

It will help if you provide this information: 1) What are the funds offered in your 401k? Please give fund names, tickers and expense ratios. Let me start with my 401k options: . . . . . As of now, I plan on contributing about $240/week (my company pays weekly). Here is what I am looking to commit ...
by ruralavalon
Thu Nov 14, 2019 3:09 pm
Forum: Personal Investments
Topic: Need of investment adviser?
Replies: 7
Views: 544

Re: Need of investment adviser?

Welcome to the forum :) . Hi all, I'm a new member to this site and have a question... If one is to follow the general philosophy of bogleheads, is it really necessary to have a financial adviser? Their management fee can add up to big time money over time and I'm not convinced they can do much bett...
by ruralavalon
Thu Nov 14, 2019 2:46 pm
Forum: Personal Investments
Topic: New 401k Investment Advices
Replies: 3
Views: 247

Re: New 401k Investment Advices

Please add the tickers and expense ratios for each fund. You can simply add this to your original post w 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. The expense ratios are critical in fund selection, and in a ...
by ruralavalon
Thu Nov 14, 2019 2:32 pm
Forum: Personal Investments
Topic: If one is pessimistic about both stocks and bonds, does a SPIA make sense?
Replies: 64
Views: 3193

Re: If one is pessimistic about both stocks and bonds, does a SPIA make sense?

Boglehead doctrine is to "stay the course" with a mix of low-cost passively managed stock and bond funds. However, for reasons I cannot discuss here (political discussions are prohibited on this forum), I am pessimistic about both stocks and bonds going forward. Without getting into the reasons for...
by ruralavalon
Thu Nov 14, 2019 2:19 pm
Forum: Personal Investments
Topic: Pending Retirement/Tax Deferred Funds/Conversion Strategies?
Replies: 4
Views: 480

Re: Pending Retirement/Tax Deferred Funds/Conversion Strategies?

What expense ratio do you pay for the target date fund in the previous employer 401k? You could consider rollover of the previous employer 401k into your TSP account. I can't recall exactly, it's through Fidelity and somewhat higher than Vanguard charges, so I have been thinking of a transfer to th...
by ruralavalon
Thu Nov 14, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2633
Views: 1715762

Re: The Three-Fund Portfolio - is it for me?

Welcome to the forum :) . New member here -someone suggested this forum so I started reading from the beginning. Been overwhelmed a bit so I thought I'd throw out a question before getting in too deep (or buying the book). I'm a couple of years from retiring, managing IRAs (with Vanguard) and sittin...
by ruralavalon
Wed Nov 13, 2019 4:51 pm
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 34
Views: 3753

Re: Recently married, early 30's portfolio/fire advice?

It will help if you provide this information: 1) What are the funds offered in your 401k? Please give fund names, tickers and expense ratios. 2) What are the funds offered in your wife's 401k? Please give fund names, tickers and expense ratios. 3) What other investing/retirement accounts do you have...
by ruralavalon
Wed Nov 13, 2019 2:57 pm
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 34
Views: 3753

Re: Recently married, early 30's portfolio/fire advice?

What does this forum recommend for previous employer 401k's that are no longer being added to? I'm guessing it really depends on the investments? More detail: Fidelity BLKRK LP IDX 2055 K (LIVKX) NET EXPENSE RATIO 0.04% Should we be looking to roll this over into an IRA? It depends almost entirely ...
by ruralavalon
Wed Nov 13, 2019 2:47 pm
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 34
Views: 3753

Re: Recently married, early 30's portfolio/fire advice?

Welcome to the forum :) . It's good to see that you are debt free, looking for a modest house, and planning on living frugally. That a great way to fund your investing. Asset allocation. . . . Age: We're both in our early 30's . . . . . . . . It sounds like balancing stocks by putting money in bonds...
by ruralavalon
Wed Nov 13, 2019 1:03 pm
Forum: Personal Investments
Topic: Pending Retirement/Tax Deferred Funds/Conversion Strategies?
Replies: 4
Views: 480

Re: Pending Retirement/Tax Deferred Funds/Conversion Strategies?

In my opinion an asset allocation of 50/50 is within the range of what is reasonable at age 59, on the verge of retirement with a pension. 1) This year and next continue to contribute the maximum to your Roth IRA. 2) Between now and retirement make your TSP contributions Roth contributions. 3) After...
by ruralavalon
Wed Nov 13, 2019 12:47 pm
Forum: Personal Investments
Topic: Strategy for transitioning to Bogle
Replies: 10
Views: 518

Re: Strategy for transitioning to Bogle

Welcome to the forum :) . I am changing my investment strategy from using an advisor, to applying the Bogle philosophy. I currently have a mix of mutual funds, ETF's and securities. I am ten years from retirement. The majority of my investments are in tax-free IRA accounts. I would like to know if t...
by ruralavalon
Wed Nov 13, 2019 12:28 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 139897

Re: Post your Financial Milestone Announcements Here

I became a Boglehead in 2012 with ~$300k in pretax retirement but with ~$400k in debt. We just hit the $1.5 million mark in combined accounts, $600k additional net worth in home equity and are free from debt- all because I ran across you all, learned and listened. I turned 49 this year so we should...
by ruralavalon
Wed Nov 13, 2019 12:22 pm
Forum: Personal Investments
Topic: alternative investments
Replies: 32
Views: 1746

Re: alternative investments

i have money in VTI, bonds, robo advisors, peer to peer lending, REIT, online savings account. looking to add some more diversification to my portfolio. hopefully grabbing my first rental property next year. i've dabbled in gold and crypto. kinda hungry for something new but not really finding much...
by ruralavalon
Wed Nov 13, 2019 12:02 pm
Forum: Personal Investments
Topic: alternative investments
Replies: 32
Views: 1746

Re: alternative investments

i have money in VTI, bonds, robo advisors, peer to peer lending, REIT, online savings account. looking to add some more diversification to my portfolio. hopefully grabbing my first rental property next year. i've dabbled in gold and crypto. kinda hungry for something new but not really finding much...
by ruralavalon
Wed Nov 13, 2019 11:42 am
Forum: Non-US Investing
Topic: Asset Allocation advice
Replies: 8
Views: 781

Re: Asset Allocation advice

Welcome to the forum :) . Hi, New member and this is my 1st post (yay!). Would love to get inputs on my current asset allocation for retirement in 25 years. Also, are there situations when changing asset allocation makes sense (besides shifting towards safer assets as you get closer to retirement)? ...
by ruralavalon
Mon Nov 11, 2019 8:19 pm
Forum: Personal Investments
Topic: Move 401k to brokerage account?
Replies: 13
Views: 790

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: 1930

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: 78
Views: 3938

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: 25
Views: 3172

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: 1591

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: 56
Views: 3627

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...