Search found 19187 matches

by ruralavalon
Tue Sep 29, 2020 9:48 am
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 136
Views: 2006

Re: VHT And VNQ

anaelmasri wrote: Tue Sep 29, 2020 12:37 am Then is adding individual stocks as jnj or ko for example instead of the sector etf at 5% for long term is a better choice ?
My suggestion is simply use a single target date fund or Vanguard LifeStrategy fund in your IRA, and contribute the maximum allowed every year.
by ruralavalon
Mon Sep 28, 2020 1:30 pm
Forum: Personal Investments
Topic: Parking emergency cash
Replies: 7
Views: 594

Re: Parking emergency cash

Where do you guys park your emergency cash? I bank with Schwab and Ally and the recent decreases by Ally to 0.6% are giving me an itch to put the money to work. I am thinking of giving HM Bradley a try but I am slightly concerned about their FDIC status? They seem to be associated with Hatch, which...
by ruralavalon
Mon Sep 28, 2020 1:24 pm
Forum: Personal Investments
Topic: New investor looking for Fidelity index fund retirement portfolio feedback
Replies: 15
Views: 1069

Re: New investor looking for Fidelity index fund retirement portfolio feedback

Thank you all for your suggestions. Figuring my tendency to be a little indecisive (which is why Betterment was a great jumping off point for me) combined with a desire to save money on high ERs and fees, I am going to go with the FIPFX (2050 target date index fund) and ride it out. Really apprecia...
by ruralavalon
Mon Sep 28, 2020 1:16 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1715
Views: 223362

Re: Two comma club :)

[Thread merged into here, see below. --admin LadyGeek] We're in the two comma club. It's been an interesting journey, something like this: . . . . . I could have managed our finances better, but the takeaway is that I did NOT manage it perfectly, or even particularly well, and still, here we are. W...
by ruralavalon
Mon Sep 28, 2020 10:08 am
Forum: Personal Investments
Topic: New investor looking for Fidelity index fund retirement portfolio feedback
Replies: 15
Views: 1069

Re: New investor looking for Fidelity index fund retirement portfolio feedback

FXIAX (sp500 index fund) (.02) (24%) FITLX (US sustainable index fund) (.11) (12%) FSMAX (extended market index fund) (.04) (12%) FSMDX (mid-cap index) (.02) (6%) FSSNX (small-cap index) (.03) (6%) FTIHX (total international index) (.06) (16%) FNIDX (international sustainable index) (.2) (8%) FPADX...
by ruralavalon
Sun Sep 27, 2020 6:53 pm
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7416

Re: Buckets in Retirement

. . . . . If I'm going to live indoors, eat, keep the heat on, and so forth, I need a variety of strategies. I need to know exactly how to pay for the things I need, because if I can't, I need to change course right now at age 56. I really do not want to go back to cheap roachy apartments with room...
by ruralavalon
Sun Sep 27, 2020 12:52 pm
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7416

Re: Buckets in Retirement

The trouble with the One Big Bucket O'Money approach to retirement, for me, is that I have never had a big bucket of money. Instead I have had a series of problems that need to be solved. Can I live indoors, independently, in nice surroundings I choose? Can I keep the heat, water, and lights on? Ca...
by ruralavalon
Sun Sep 27, 2020 12:23 pm
Forum: Personal Investments
Topic: NYSDCP and the 3 fund portfolio
Replies: 27
Views: 1503

Re: NYSDCP and the 3 fund portfolio

Retire2022, So sorry...I didn't mean to derail the original post. I'm a newbie still learning the etiquette of this community. Again, my sincere apologies :( Little harm done, since you both wanted ideas on building a three-fund type portfolio using the funds offered in this particular deferred com...
by ruralavalon
Sun Sep 27, 2020 12:08 pm
Forum: Personal Investments
Topic: Just Found Out We Are Expecting First Child - Now What
Replies: 25
Views: 2268

Re: Just Found Out We Are Expecting First Child - Now What

Congratulations on your imminent first child :) . Everything will change. Obviously we are super excited to find out we are finally expecting our first. As an over-planner, my first thought is, how does this affect our long goals! Hoping for some ideas on redistributing some of our current investmen...
by ruralavalon
Sun Sep 27, 2020 11:39 am
Forum: Personal Investments
Topic: where to invest $100k if needed in 3 years?
Replies: 4
Views: 620

Re: where to invest $100k if needed in 3 years?

theplayer11 wrote: Sun Sep 27, 2020 11:07 am would need to pull out in 3 years, so very little risk wanted..opinions?
If needed in three years, then a federally insured savings account or three-year CD.
by ruralavalon
Sun Sep 27, 2020 11:31 am
Forum: Personal Investments
Topic: 401 eliminating some Vanguard funds
Replies: 8
Views: 618

Re: 401 eliminating some Vanguard funds

Should the funds removal of some Vanguard funds be cause for concern? Thoughts?
I would focus more on the expense ratios, rather than the name of the fund company.

What funds are there in the new lineup, and what are the expense ratios?
by ruralavalon
Sun Sep 27, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5808
Views: 1383751

Re: What Movie Have You Recently Watched?

Enola Holmes on Netflix. I liked it! We enjoyed it too. It made a nice change-of-pace from all the US, UK, EU and OZ cops/spies shows we've been watching during the pandemic. Enola Holmes , on Netflix. Shetlock's little sister is abandoned by her mother, searches for her mother and has adventures. ...
by ruralavalon
Sun Sep 27, 2020 10:33 am
Forum: Personal Investments
Topic: NYSDCP and the 3 fund portfolio
Replies: 27
Views: 1503

Re: NYSDCP and the 3 fund portfolio

2) International Equity Fund -- Index Portfolio (Custom) , tracks the MSCI EAFE index, developed markets only, ER ??% (I can't sign in to access the fact sheet, so I don't know the expense ratio). I think the Fact Sheets will help with ERs: https://www.nysdcp.com/iApp/rsc/fundPerformanceViewPreLogi...
by ruralavalon
Sun Sep 27, 2020 10:26 am
Forum: Personal Investments
Topic: NYSDCP and the 3 fund portfolio
Replies: 27
Views: 1503

Re: NYSDCP and the 3 fund portfolio

The corrected expense ratios, rounded off, are as follows, found here . 1) Equity Index Unitized Account (CIT) , tracks the S&P 500 index, covers over 80% of the U.S. stock market, ER 0.01% 2) International Equity Fund -- Index Portfolio (Custom) , tracks the MSCI EAFE index, developed markets only,...
by ruralavalon
Sat Sep 26, 2020 4:47 pm
Forum: Personal Investments
Topic: NYSDCP and the 3 fund portfolio
Replies: 27
Views: 1503

Re: NYSDCP and the 3 fund portfolio

2) International Equity Fund -- Index Portfolio (Custom) , tracks the MSCI EAFE index, developed markets only, ER ??% (I can't sign in to access the fact sheet, so I don't know the expense ratio). I think the Fact Sheets will help with ERs: https://www.nysdcp.com/iApp/rsc/fundPerformanceViewPreLogi...
by ruralavalon
Sat Sep 26, 2020 1:11 pm
Forum: Personal Investments
Topic: Please help review a beginner's porfolios
Replies: 6
Views: 698

Re: Please help review a beginner's porfolios

Welcome to the forum :) . It's good to see that you are debt free, starting youn, using diversified index funds with low expense ratios. How much are you planning to contribute annually to investing? When young and just starting the most important investing decision you can make is to establish a hi...
by ruralavalon
Sat Sep 26, 2020 12:23 pm
Forum: Personal Investments
Topic: How does my hypothetical portfolio look?
Replies: 7
Views: 679

Re: How does my hypothetical portfolio look?

Welcome to the forum :) . Hello, I'm looking for some feedback on my portfolio. -I have an emergency fund -I have no debt -I am single - Federal tax rate 24%, State 4% -Stae: Ohio [emphasis added] -Age: 45 Desired asset allocation: 70% stocks, 30% bonds Desired international allocation: 20% of portf...
by ruralavalon
Sat Sep 26, 2020 11:43 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7416

Re: Buckets in Retirement

We can learn a lot from reading sheepdog's post that started in Oct, 2008. I believe in retirement many people can feel more vulnerable to prolonged market drops, loss of income sources from employment and health care issues. Using LMP/bucket approach for at least some liabilities helps reduce some...
by ruralavalon
Sat Sep 26, 2020 11:29 am
Forum: Personal Investments
Topic: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?
Replies: 28
Views: 1400

Re: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?

A lingering question, which I know has been debated here ad nauseum, concerns the efficacy of incorporating an international bond fund. Vanguard's argument that a hedged international bond fund can provide additional diversification while reducing potential US-currency risks, if I understand the ar...
by ruralavalon
Sat Sep 26, 2020 10:49 am
Forum: Personal Investments
Topic: NYSDCP and the 3 fund portfolio
Replies: 27
Views: 1503

Re: NYSDCP and the 3 fund portfolio

Hello Boggleheads - new poster here. Love this site. Trying to put together a 3 fund portfolio within the New York State Deferred Compensation Plan. I don’t see the commonly recommended funds such as those in Taylor Larimore’s book and was hoping for some Bogglehead advice to get as close as possib...
by ruralavalon
Fri Sep 25, 2020 12:33 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1715
Views: 223362

Re: Post your Financial Milestone Announcements Here

I have no one else to share this with other than this forum. We paid off our 2.75% mortgage this week. Actually, it looks like we overpaid and the mortgage company owes us $45 which they said will send to use in the next few weeks. Why can't I charge them 2.75% interest...lol. We are in our mid 40s...
by ruralavalon
Fri Sep 25, 2020 10:47 am
Forum: Personal Investments
Topic: Help with 401K Fund Allocation
Replies: 6
Views: 285

Re: Help with 401K Fund Allocation

Welcome to the forum :) . Contribution rate. I'm just starting my portfolio. I plan to contribute 35% of my salary to investments (20% to this portfolio and 15% to ESPP. That is an excellent rate of of contributions. You are certainly starting off right. When young the most important investing decis...
by ruralavalon
Fri Sep 25, 2020 10:39 am
Forum: Personal Investments
Topic: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?
Replies: 28
Views: 1400

Re: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?

Congratulations on paying off your student debt :) I recently paid off my graduate-school debt and have been investing in accordance with general Boglehead philosophy as much as possible, given my income of $50k/year. Fama and French's research (as elaborated by Ben Felix) has persuaded me to tilt m...
by ruralavalon
Fri Sep 25, 2020 9:59 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7416

Re: Buckets in Retirement

Curious how many active retirees on this site use the three bucket approach during retirement for short term cash needs, medium term and longer term growth? Would be interested in the Vanguard funds used in each of the three buckets Just one big "bucket" for us, with no cash allocation. I think buc...
by ruralavalon
Fri Sep 25, 2020 9:50 am
Forum: Personal Investments
Topic: Portfolio review and encouragement to continue with law practice
Replies: 10
Views: 536

Re: Portfolio review and encouragement to continue with law practice

Congratulations on your new baby :) . I am seeking (1) input on my portfolio and (2) encouragement to continue with my law practice. I am 34 years old. I had a baby in February and had unpaid maternity leave for 3 months and then worked part-time until she was 6 months, at which time my practice sta...
by ruralavalon
Fri Sep 25, 2020 9:11 am
Forum: Personal Investments
Topic: Portfolio Review - questions
Replies: 13
Views: 1375

Re: Portfolio Review - questions

I was woefully underwhelmed at the offerings with my current employer compared to my old one! But nice to hear that objectively it is not as bad as I originally thought. Based on the low ER principle, are these the only "good funds" ? FID 500 Index Fund (FXAIX)(0.015) FID EXTD MKT IDX (FSMAX)(0.036...
by ruralavalon
Thu Sep 24, 2020 6:01 pm
Forum: Personal Investments
Topic: Portfolio Review - questions
Replies: 13
Views: 1375

Re: Portfolio Review - questions

Welcome to the forum :) . Questions 1. How am I doing? I’ve been swayed that I should be at 100% stocks at my age and I held even during the Mar to Apr period but I’m open to hearing counter arguments though. You are doing well. It's good to see that you did not panic during last Spring, are debt fr...
by ruralavalon
Thu Sep 24, 2020 5:30 pm
Forum: Personal Investments
Topic: Help with creating an index fund with Ohio Deferred Comp 457 funds
Replies: 4
Views: 212

Re: Help with creating an index fund with Ohio Deferred Comp 457 funds

It's reasonable to use Vanguard Institutional Index Fund Institutional Shares (VINIX) as a substitute for a total stock market index fund. "In a 401(k) plan with limited choices one might very well opt for an S&P 500 index fund to serve as the domestic stock component of a three-fund portfolio." Wik...
by ruralavalon
Thu Sep 24, 2020 2:37 pm
Forum: Personal Investments
Topic: Fidelity Zero funds vs Vanguard performance
Replies: 38
Views: 4023

Re: Fidelity Zero funds vs Vanguard performance

nix4me wrote: Wed Sep 23, 2020 7:43 pm There are many zero fee ETFs now from several providers. Vanguard is lagging the fee war.
Who are the providers of "zero fee ETFs?" What are the "zero fee ETFs"?

The are many brokerages (including Vanguard) with zero commissions on ETFs trades, but that's not what we are discussing.
by ruralavalon
Thu Sep 24, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2149
Views: 227569

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

The IT Crowd, in Netflix.

This is a British TV series I have started watching, I am into the fourth season. It is a comedy about the 3 person IT department in a closely held corporation. It is juvenile and offensive, so is pretty funny.
by ruralavalon
Thu Sep 24, 2020 2:08 pm
Forum: Personal Investments
Topic: Portfolio Review Question(s)
Replies: 18
Views: 1382

Re: Portfolio Review Question(s)

IRA Brokerage - -5%
On your monthly or quarterly account statement what is the name given for this account?
by ruralavalon
Wed Sep 23, 2020 5:26 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2800

Re: How Many Brokerage Companies Are Too Many?

I have assets at three brokerage companies. I like diversification for safety. I like SIPC Insurance. I'm curious if others have multiple brokerage accounts or consolidate into one. Pros/cons? We have all our investment accounts at Vanguard. We have a joint taxable brokerage account, 2 Roth IRAs, a...
by ruralavalon
Wed Sep 23, 2020 5:10 pm
Forum: Personal Investments
Topic: No 401K at Work
Replies: 4
Views: 808

Re: No 401K at Work

Welcome to the forum :) . Hi Guys, I am brand new to the Bogelheads and just finished reading - If You Can: How Millennials Can Get Rich Slowly, Bogelheads Guide to Investing & Bogelheads Guide to the three Fund Portfolio. Amazing Books!! I would love some advice on what I should be doing with my re...
by ruralavalon
Wed Sep 23, 2020 4:54 pm
Forum: Personal Investments
Topic: Fidelity Zero funds vs Vanguard performance
Replies: 38
Views: 4023

Re: Fidelity Zero funds vs Vanguard performance

. . . . . Still wondering if the Fidelity FZROX with zero expense is more of a gimmick, especially compared to the super low fees in the Vanguard funds. I have always felt that the Fidelity ZERO funds are a marketing gimmick, and that tiny differences in expense ratios are nearly meaningless. You c...
by ruralavalon
Wed Sep 23, 2020 1:24 pm
Forum: Personal Investments
Topic: Taking the plunge into personal investing - advice requested.
Replies: 4
Views: 531

Re: Taking the plunge into personal investing - advice requested.

Welcome to the forum :) . With $557k in investments at age 47 you are doing well. It is good to see that you are using diversified index funds with low expense ratios for much of your investing, and are making maximum annual employee contributions to the 401k. Background: I'm 47 and have been invest...
by ruralavalon
Wed Sep 23, 2020 12:53 pm
Forum: Personal Investments
Topic: Portfolio Review Question(s)
Replies: 18
Views: 1382

Re: Portfolio Review Question(s)

I am 65 years old and husband 69 years old. We are presently retired; living off of Social Security and one pension. Converting to ROTH whenever possible. Presently have 12 years of $120,000 mortgage balance with monthly payment of $1,045 (principal, interest, property tax and home insurance). No o...
by ruralavalon
Wed Sep 23, 2020 12:26 pm
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 136
Views: 2006

Re: High Dividend for diversification

what is a good portfolio of dividend assets that one can start buying shares in at a young age and build it over the course of 30 years without having to sell or substitute with time? like a solid 10 to 15 stocks or etfs or whatever to hold on to and keep DCA and DRIP approach to so that when one h...
by ruralavalon
Wed Sep 23, 2020 10:58 am
Forum: Personal Investments
Topic: Why is this portfolio wrong?
Replies: 55
Views: 3649

Re: Why is this portfolio wrong?

2 1/2 years from retirement. Basically am where I want to be in terms of investments right now...future contributions are gravy. I've had the same portfolio for years. 50% SPY, 50% QQQ. May occasionally go 10% cash. No international, no emerging markets, no bonds. Should I change and why??? Thanks,...
by ruralavalon
Wed Sep 23, 2020 10:39 am
Forum: Personal Investments
Topic: Should I Add Another Fund to My Roth IRA?
Replies: 12
Views: 854

Re: Should I Add Another Fund to My Roth IRA?

Hello everyone, I am 29 years old and I have my Roth IRA with Vanguard. The only fund I have in it is the Target 2060 Fund (VTTSX). Should I keep my portfolio like this or should I add another fund?. Keep that as it is. Vanguard Target Retirement 2060 Fund (VTTSX) ER 0.15% is very diversified and i...
by ruralavalon
Wed Sep 23, 2020 10:26 am
Forum: Personal Investments
Topic: Poor performing portfolio
Replies: 71
Views: 7213

Re: Poor performing portfolio

As I mentioned before, in my opinion you have too much over market weight in U.S. small-cap. I think reducing that would be wise. I'm counting on Small Caps to rebound strongly in 2022. As for International I don't have much hope but i'll just hold on to what I have, not contributing new money to ei...
by ruralavalon
Tue Sep 22, 2020 2:12 pm
Forum: Personal Investments
Topic: Should I Add Another Fund to My Roth IRA?
Replies: 12
Views: 854

Re: Should I Add Another Fund to My Roth IRA?

Hello everyone, I am 29 years old and I have my Roth IRA with Vanguard. The only fund I have in it is the Target 2060 Fund (VTTSX). Should I keep my portfolio like this or should I add another fund?. Keep that as it is. Vanguard Target Retirement 2060 Fund (VTTSX) ER 0.15% is very diversified and i...
by ruralavalon
Tue Sep 22, 2020 2:07 pm
Forum: Personal Investments
Topic: one ETF vs 3 etf for asset allocation
Replies: 8
Views: 431

Re: one ETF vs 3 etf for asset allocation

Why do you say that the taxable account is "stuck" at Morgan Stanley? Is that a 1.25% annual fee on asset under management? It's a trust I don't have authority to move at the moment - but can make asset changes to. Correct, the 1.25% is the AUM fee for the 100k + the index costs for a weighted ER o...
by ruralavalon
Tue Sep 22, 2020 1:45 pm
Forum: Personal Investments
Topic: one ETF vs 3 etf for asset allocation
Replies: 8
Views: 431

Re: one ETF vs 3 etf for asset allocation

What fund firm or brokerage are these accounts with? (There are many firms which offer ETFs with no commissions on trades.) What is your tax bracket, both federal and state? What is your tax filing status? Do you have tax-advantaged accounts of some kind elsewhere? What are they, and where? (Ordina...
by ruralavalon
Tue Sep 22, 2020 1:09 pm
Forum: Personal Investments
Topic: Early 30s Portfolio Review
Replies: 7
Views: 1244

Re: Early 30s Portfolio Review

Contribution rate. Income: $235,000-$260,000 depending on bonuses . . . . . New annual Contributions $19,000 his Roth 401k ($5,360) $19,000 her Roth 401k ($5,360) $7,000 his HSA $6,000 his IRA $6,000 her IRA $30,000 taxable (for retirement, not short term goals) The maximum annual employee contribu...
by ruralavalon
Tue Sep 22, 2020 12:04 pm
Forum: Personal Investments
Topic: Money Market Yield Question
Replies: 5
Views: 526

Re: Money Market Yield Question

SEC yield is after expenses. That being said, all Money Market funds are headed towards zero due to low interest rates. At this point, who knows which accounts will handle the new, low interest rate regime best. Moving money around over the next 3-6 months for a tenth or two of one percentage point...
by ruralavalon
Tue Sep 22, 2020 11:49 am
Forum: Personal Investments
Topic: "emergency" fund earning .5%
Replies: 19
Views: 2021

Re: "emergency" fund earning .5%

This account is at Capone 360 ( can I mention that? ) and is probably at least twice as large as really needed ( $100k balance). But at 72 with our stock/bond investments already at about 65 % stock, 35% bond I was reluctant to put more there ( this is almost all Vanguard mutual fund traditional IR...
by ruralavalon
Tue Sep 22, 2020 11:39 am
Forum: Personal Investments
Topic: Is intermediate treasuries good as fixed income in retirement ?
Replies: 35
Views: 2721

Re: Is intermediate treasuries good as fixed income in retirement ?

Is intermediate treasuries good as fixed income in retirement ? Planning to have 2 to 3 years expenses in cash, Money Market and possibly CD ladder. Planning to keep the next 7 years say from year 3 to 10 expenses, in intermediate treasuries. Is this plan seems practical and optimal or other assets...
by ruralavalon
Tue Sep 22, 2020 11:28 am
Forum: Personal Investments
Topic: one ETF vs 3 etf for asset allocation
Replies: 8
Views: 431

Re: one ETF vs 3 etf for asset allocation

I have a situation where I have 2 separate accounts 1 for ~20k and another with ~100k. the smaller amount is mixed between 50/50 cash/expesnive fund (1.6% ER) and the larger account is in a "auto program" with a variety of diversified ETFs, with flat manage fee of 1.25% and weight ER of about 1.75%...
by ruralavalon
Tue Sep 22, 2020 11:10 am
Forum: Personal Investments
Topic: Why is this portfolio wrong?
Replies: 55
Views: 3649

Re: Why is this portfolio wrong?

Welcome to the forum :) . 2 1/2 years from retirement. Basically am where I want to be in terms of investments right now...future contributions are gravy. I've had the same portfolio for years. 50% SPY, 50% QQQ. May occasionally go 10% cash. No international, no emerging markets, no bonds. Should I ...
by ruralavalon
Tue Sep 22, 2020 10:55 am
Forum: Personal Investments
Topic: Trlgx vs fxaix
Replies: 11
Views: 656

Re: Trlgx vs fxaix

Hi all, First time poster, still new investor and trying to get my bearings. I have the following options in my 401K account, TRLGX (T Rowe price large cap growth) and FXAIX (Fidelity 500) as my main options for large caps, and am trying to figure out (and would appreciate your input) how much I sh...