Search found 15711 matches

by ruralavalon
Tue Jun 25, 2019 1:52 pm
Forum: Personal Investments
Topic: 401(k) Rollover Options Advice
Replies: 9
Views: 458

Re: 401(k) Rollover Options Advice

Following the advice of the responses to my previous posting (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=279526), I am making an effort to simplify my existing portfolio. One obvious solution is to rollover my prior employer 401k’s. To that end, my options would be: 1. Rollover my 2 separ...
by ruralavalon
Tue Jun 25, 2019 11:56 am
Forum: Personal Investments
Topic: Dodge & Cox DODIX
Replies: 6
Views: 535

Re: Dodge & Cox DODIX

I currently hold DODIX in my PayFlex Health Savings Account (HSA). There are so many better bond funds with lower expense ratios, but none of those are available in my HSA, so DODIX is what I'm stuck with for now. It's acceptable, but I don't know why one would choose it if lower-expense options we...
by ruralavalon
Tue Jun 25, 2019 10:43 am
Forum: Personal Investments
Topic: Which Bond Fund to Choose in 401k?
Replies: 7
Views: 632

Re: Which Bond Fund to Choose in 401k?

With only 5%, wont matter much. The tips are not really needed for a young investor, so it is between the other 2. The loomis probably closest to total bond market, but might be a little riskier. The short term has the lowest duration and er. I think I would go with loomis, but either is fine. I ag...
by ruralavalon
Tue Jun 25, 2019 10:35 am
Forum: Personal Investments
Topic: Dodge & Cox DODIX
Replies: 6
Views: 535

Re: Dodge & Cox DODIX

Anyone use Dodge & Cox income as part of their bond allocation ? I was considering DODIX vs Vanguard Intermediate Term Index VBILX. I never had Dodge & Cox Income (DODIX) ER 0.42% offered in my 401k. Although actively managed, I consider Dodge & Cox Income (DODIX) a good intermediate-term (average ...
by ruralavalon
Tue Jun 25, 2019 9:26 am
Forum: Personal Investments
Topic: Portfolio Help
Replies: 14
Views: 912

Re: Portfolio Help

How much (in dollars) are you contributing annually to your 401k? Is there an employer match offered in your 401k? Are you contributing at least enough to your 401k to get the full employer match? What other funds are offered in your 401k? Please give fund names, tickers and expense ratios. Also, w...
by ruralavalon
Tue Jun 25, 2019 8:55 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 701

Re: Portfolio Review

For his accounts, do you have a personal preference as between Vanguard and Fidelity? Do you want to continue with a small-cap value tilt? I prefer Vanguard, and I do want to continue tilting toward SCV in future. The backdoor Roth Rollover is with Fidelity for convenience (401k is with fido). In h...
by ruralavalon
Tue Jun 25, 2019 8:31 am
Forum: Personal Investments
Topic: Worried about the future/not saving enough
Replies: 39
Views: 4739

Re: Worried about the future/not saving enough

I use Quicken 2007 on an old laptop. Nothing is automatic and I kind of like it this way. I've heard a lot about YNAB and other budgeting apps/programs but frankly, can't bring myself to paying for an app. Mint is completely free and is owned by Intuit, the same company millions trust through their...
by ruralavalon
Tue Jun 25, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1297
Views: 131603

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

Years ago I had the need for IVs twice a day, and a nurse would come by twice a day. While I was receiving my IVs, the nurse and I would watch Investigation Discovery channel. The basic premise was someone was murdered, and the show would go from the beginning of the murder, and end with the murder...
by ruralavalon
Mon Jun 24, 2019 6:05 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 701

Re: Portfolio Review

Just redo the percentage in the original post. Thanks for replying, retiredjg and ruralavalon. The ESPP is at eTrade. I started with Schwab a while ago trading stocks but then gradually start rolling funds over to Vanguard. Wife's account has always been with Schwab, plus we have agreed to separate...
by ruralavalon
Mon Jun 24, 2019 4:12 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 701

Re: Portfolio Review

Emergency funds: No dedicated EF. Always have >$20K in checking account and additional cash reserve in taxable. I see no problem with having no dedicated emerged fund, given your > $20k checking account balance and the ~ $129k in taxable accounts. Debt: 367k@4.125% for (17 months into 30-years mort...
by ruralavalon
Mon Jun 24, 2019 2:20 pm
Forum: Personal Investments
Topic: 401k Fund Selection Help
Replies: 3
Views: 241

Re: 401k Fund Selection Help

Asset allocation. I'm a bit more aggressive than you re: bond allocation and am leaning toward 10% of my overall portfolio, which is still more conservative than the Morningstar tool recommendation I noted earlier. At ages 30 and 31 we were not aggressive or conservative, we had no investments. At ...
by ruralavalon
Mon Jun 24, 2019 10:30 am
Forum: Personal Investments
Topic: 401k Fund Selection Help
Replies: 3
Views: 241

Re: 401k Fund Selection Help

Fund selection. More information is necessary to select funds to use. Those are probably Commingled Investment Trusts (CITs) rather than traditional mutual funds. Your 401k materials or the 401k website will include a short fact sheet (perhaps just 1 - 2 pages) describing each of those funds, givin...
by ruralavalon
Mon Jun 24, 2019 9:30 am
Forum: Personal Investments
Topic: Worried about the future/not saving enough
Replies: 39
Views: 4739

Re: Worried about the future/not saving enough

$50 internet $75 cell phone (2 lines, prepaid service) I'm sure i'm forgetting some other categories, but these are the major ones. Take home net pay is roughly $9600. At the end of the month, there is little to spare as most extra cash goes to debt/CC payments. We do not have cable, only a cheap i...
by ruralavalon
Mon Jun 24, 2019 8:44 am
Forum: Personal Investments
Topic: My first post ... how am I doing?
Replies: 20
Views: 2825

Re: My first post ... how am I doing?

My currrent 401k is with FIDELITY, not sure about Roth contribution there (thought i made too much) There is an income limit for contributions to a Roth IRA. There is no income limit for making Roth contributions to a 401k. The only issue is whether your employer's 401k plan permits Roth contributi...
by ruralavalon
Mon Jun 24, 2019 7:51 am
Forum: Personal Investments
Topic: Portfolio Help
Replies: 14
Views: 912

Re: Portfolio Help

Thanks for the kind note, I have now come to understand that I need to select certain asset allocations and what to have in several accounts. I'm currently debating on opening a M1 finance account to ease the rebalancing process. I do not think opening an M1 Finance account will help in any way. Ho...
by ruralavalon
Mon Jun 24, 2019 7:28 am
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

I'll just leave this here: I split my equity position at Fidelity on Aug 6 last year, shortly after the start of the zero fund FZROX equally. Today, the balances are (as of Friday's close).... FSKAX: $320,775.02 FZROX: $320,919.62 That said, I also hold VTI and SPTM at TDAmeritrade, SCHB at Schwab ...
by ruralavalon
Sun Jun 23, 2019 4:55 pm
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

I'll just leave this here: I split my equity position at Fidelity on Aug 6 last year, shortly after the start of the zero fund FZROX equally. Today, the balances are (as of Friday's close).... FSKAX: $320,775.02 FZROX: $320,919.62 That said, I also hold VTI and SPTM at TDAmeritrade, SCHB at Schwab ...
by ruralavalon
Sun Jun 23, 2019 4:44 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 33
Views: 1345

Re: which is better,fidelity or schwab ??

[Thread merged into here, see below. --admin LadyGeek] hello BH I have vanguard account and want to open another account, . which is better fidelity or Schwab ?? best wishes looking What kind of account(s) do you currently have at Vanguard? Why do you want another account? What kind of account do y...
by ruralavalon
Sun Jun 23, 2019 3:55 pm
Forum: Personal Investments
Topic: Worried about the future/not saving enough
Replies: 39
Views: 4739

Re: Worried about the future/not saving enough

I’ve been trying to live the Boglehead life for several years however feel I am in need of a reality check or pep talk to make me feel better. I am by worrier in my personality and find myself, even though my wife and I are in our mid 40s, to be worried about saving enough for retirement and genera...
by ruralavalon
Sun Jun 23, 2019 2:54 pm
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

Vanguard index funds (whether as mutual funds or ETFs) are probably the best combination of low cost and tax efficiency out there, . . . I agree . . . but in my experience (and those of more than a few on this forum) Vanguard's brokerage operation is far from the best. My experience with Vanguard c...
by ruralavalon
Sun Jun 23, 2019 1:37 pm
Forum: Personal Investments
Topic: Scared about investing large amount of money
Replies: 24
Views: 2375

Re: Scared about investing large amount of money

1. Congratulations! 2. Open a brokerage account & checking account at Schwab. Meet with an advisor (you get this meeting for free). Schwab advisors are fiduciaries, not commission based. Their customer support is stellar. Most likely you will park it in a money market for now. 3. Decide if your pre...
by ruralavalon
Sun Jun 23, 2019 12:51 pm
Forum: Personal Investments
Topic: Scared about investing large amount of money
Replies: 24
Views: 2375

Re: Scared about investing large amount of money

I have been doing Boglehead style investing for about ten years. I am self employed and every year I have maxed out both my and my wife's IRA and as well as our simple IRAs. I am in my early 40's and have around 700k in retirement. Our home is paid for and we are completely debt free. I have came i...
by ruralavalon
Sun Jun 23, 2019 12:22 pm
Forum: Personal Investments
Topic: Switch 403(b) to an IRA or Stay?
Replies: 17
Views: 756

Re: Switch 403(b) to an IRA or Stay?

AXA Equitable is an awful 403b vendor. You are allowed to switch vendors. Thanks for the replies everyone. As far as matching contributions, there are none so I’m not missing anything there and yes I do have a pension. As for vendors, off the top of my head: AXA Equitable Valic Prudential TIAA Fidel...
by ruralavalon
Sun Jun 23, 2019 11:54 am
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

I’m all over the place with accounts and would like to consolidate as much as possible. I have both of my kids ESAs with Schwab and my work 401k through Fidelity Net Benefits. My IRA is with Citibank. I was going to go all Schwab except for my 401k until I stumbled on these 0 fee market index funds...
by ruralavalon
Sun Jun 23, 2019 11:37 am
Forum: Personal Investments
Topic: Portfolio Review Needed for Near Retiree.
Replies: 8
Views: 1008

Re: Portfolio Review Needed for Near Retiree.

Age: 60 (wife: 61) No kids Desired AA: 80/20 In my opinion 80/20 equity/fixed income is unnecessarily risky at ages 60 and 61 with your ~ $1,955k in investments. In my opinion anywhere in the range 60/40 to 40/60 would be more reasonable. Our investment Advisor is charging us 1.5% of assets or appr...
by ruralavalon
Sun Jun 23, 2019 10:53 am
Forum: Personal Investments
Topic: Roth IRA all the way?
Replies: 26
Views: 2461

Re: Roth IRA all the way?

Question on Roth IRAs. Would it be good financial sense if a young person starting out just bought Roth instead of a 403b tax deferred account? Seems to me that if you pay the taxes as your earning the Roth is the only sensible investment option starting out? Question: if I’m thinking correctly it ...
by ruralavalon
Sat Jun 22, 2019 6:35 pm
Forum: Personal Investments
Topic: My first post ... how am I doing?
Replies: 20
Views: 2825

Re: My first post ... how am I doing?

Questions. I saw that some of my questions were answered in posts after your original post, so I went ahead to do an example portfolio. Remaining questions, which might affect some details, are: In your 401k how much is the full employer match (in dollars)? Does your employer's 401k plan permit Rot...
by ruralavalon
Sat Jun 22, 2019 5:39 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

Would this work? I have added text at the end of the last paragraph. For example (replace "His" and "Her" as appropriate, but it must be clear these are two individuals): I don't think this addresses the concerns of people who are unhappy with the current wording. Perhaps add a key point - "The for...
by ruralavalon
Sat Jun 22, 2019 4:09 pm
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 44
Views: 3285

Re: Getting caught up in minutia of investing-How to make things simple

Fantastic question. Just asking the question indicates you're halfway there to simplification. The phrasing of your question makes me confident the answers are within you already. Let me ask you: what do you think is the path forward for you with respect to simplification. What would your ideal sta...
by ruralavalon
Sat Jun 22, 2019 2:46 pm
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 44
Views: 3285

Re: Getting caught up in minutia of investing-How to make things simple

Want to make things simple? Just save all your money and put all the money in every account in a LifeStrategy fund. Then go worry about something else such as a pet dog. I am not being flippant about this serious advice. I love it!! You rock Livesoft!! 1210 That is a good solution for keeping it si...
by ruralavalon
Sat Jun 22, 2019 2:19 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

Since there "isn't a clear best answer on how to format the template if we change the pronouns", and it works well as is, in my opinion we should simply leave this part of the template as it is.
by ruralavalon
Sat Jun 22, 2019 2:12 pm
Forum: Personal Investments
Topic: My first post ... how am I doing?
Replies: 20
Views: 2825

Re: My first post ... how am I doing?

Welcome to the forum :) . It's good to see that you will be debt other soon, congratulations on that. It is a good decision to move away from the "1% AUM + the .6.% in fund fees". You can simply add new information in answer to the questions asked to your original post using the edit button (the pen...
by ruralavalon
Sat Jun 22, 2019 10:33 am
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 44
Views: 3285

Re: Getting caught up in minutia of investing-How to make things simple

Everyday I spend multiple hours reading on this forum. I thoroughly enjoy it, but then I wonder what is more important at the end of the day the fact that you put money away consistently or whether it was Roth or tax deferred. Which debt to tackle first vs just making strides to get something paid ...
by ruralavalon
Sat Jun 22, 2019 10:21 am
Forum: Personal Investments
Topic: Advice on awful 401k
Replies: 11
Views: 1222

Re: Advice on awful 401k

This is a 2 part problem. Even for a smaller company this 401k is terrible, the company wants to do the right thing and just has had no expertise, and a slick local financial rep that sold them on a plan. I have presented much better options to the board and trustee, but they move slowly and that’s...
by ruralavalon
Sat Jun 22, 2019 8:16 am
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

As I read another post with no percentages and only dollar amounts, I was thinking: Many people don't like percentages at all. Maybe it's because they never see any growth in the percentages because it's always 100%. Or maybe they don't know how to calculate the percentage anyways. I think it is th...
by ruralavalon
Fri Jun 21, 2019 8:06 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

No objections, the last iteration and follow-up correction is good in my opinion.
by ruralavalon
Fri Jun 21, 2019 7:25 pm
Forum: Personal Investments
Topic: Portfolio-Investment-Help
Replies: 6
Views: 421

Re: Portfolio-Investment-Help

Thank you so far for your responses. I've updated the original post, hopefully, to better answer the questions. I need to read the boglehead wiki links and investigated my wife's possible 403(b). After that re-align the portfolio to better align with wiki info. However, and I knew this would come u...
by ruralavalon
Fri Jun 21, 2019 5:17 pm
Forum: Personal Investments
Topic: How to add Bonds to portfolio?
Replies: 10
Views: 954

Re: How to add Bonds to portfolio?

So maybe a stupid question, but I'd like to get some feedback on advice on how to add bonds to my portfolio. Currently I am 100% stock, in my mid 30s. Current balance is ~$200k. I would like to start adding some bonds to the mix. All 401k money. Do I just sell say 30% of my stock holdings and buy b...
by ruralavalon
Fri Jun 21, 2019 4:57 pm
Forum: Personal Investments
Topic: First exposure to vanguard today
Replies: 10
Views: 1375

Re: First exposure to vanguard today

I had my first encounter with vanguard today. A delightful young man answered and he wanted to get to know me!! That has never happened. Then he wanted to know my goals, gave me a number to get in touch with him was thoughtful, clear, and professional. I decided to go with a personal advisor for aw...
by ruralavalon
Fri Jun 21, 2019 4:19 pm
Forum: Personal Investments
Topic: Portfolio-Investment-Help
Replies: 6
Views: 421

Re: Portfolio-Investment-Help

Welcome to the forum :) . First I have a couple of questions. Is there a reason you have traditional IRAs at both Fidelity and Vanguard? Does his 401k permit Roth contributions? It's often best to consider all accounts of a married couple together as a single unified portfolio. Does your wife's empl...
by ruralavalon
Fri Jun 21, 2019 9:18 am
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

Please put the tax brackets (Tax Rate: xx% Federal, xx% State) part back in :) .
by ruralavalon
Fri Jun 21, 2019 8:44 am
Forum: Personal Investments
Topic: Portfolio question for an atypical couple
Replies: 12
Views: 1807

Re: Portfolio question for an atypical couple

Does your business have any employees other than you and your wife? How many? This lets You keep using TIAA Traditional which guarantees 3.25%. That is a good deal. That will count as part of your fixed income (bond) allocation. I suggest leaving his 403b at TIAA, keeping the TIAA Traditional which...
by ruralavalon
Fri Jun 21, 2019 7:35 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why?
Replies: 161
Views: 8867

Re: What percentage of total portfolio in REIT's do you have? Why?

Thanks, "Tim". How large is a "larger portfolio" ?? j I have invested in REITs since I started investing. It has provided a diversification benefit. I do not believe the size of a portfolio should matter. true. . . . . . still wondering when I read "REIT's are often recommended for larger portfolio...
by ruralavalon
Thu Jun 20, 2019 7:03 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 762
Views: 97849

Re: Did I Make it or no?

A savings rate is of 40% of gross income is excellent, congratulations on that and on 2 commas in net worth :) . Is it typical to include the value of your house in your net worth or no? [emphasis added]. If it is, then I think we just joined the 2 comma club (well for today anyways :D )! If not the...
by ruralavalon
Thu Jun 20, 2019 6:48 pm
Forum: Personal Investments
Topic: First Post! Portfolio Review Needed
Replies: 36
Views: 4032

Re: First Post! Portfolio Review Needed

Also, why VTI and IXUS over VTWAX? Using Vanguard Total Stock Market ETF (VTI) and iShares Core MSCI Total Intl Stk ETF (IXUS) together you can select your own preferred mix of U.S. and international stacks. With Vanguard Total World Stock Index Fund Admiral Shares (VTWAX) you get market weight. Ei...
by ruralavalon
Thu Jun 20, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3803
Views: 1094238

Re: What Book Are You Currently Reading? Part VI

Sea People , by Christina Thompson. This is a very interesting, fascinating reconstruction of the settling of Polynesia based upon contemporary reports of the first Europeans to explore the Pacific, early books retelling Polynesian origin stories, oral histories, linquistics, anthropology, archeaol...
by ruralavalon
Thu Jun 20, 2019 9:43 am
Forum: Personal Investments
Topic: Bond Fund Question - Charles Schwab / Vanguard
Replies: 8
Views: 1045

Re: Bond Fund Question - Charles Schwab / Vanguard

By the way, when buying Vanguard funds from Schwab, the fees will be much lower if you buy the ETFs instead of the mutual funds. I am on too slow of an internet connection to look up the symbols for you, but the VBTLX most definitely has an ETF equivalent. Transaction fee is something like $5 vs $5...
by ruralavalon
Thu Jun 20, 2019 7:25 am
Forum: Personal Investments
Topic: Already in Vanguard 401k - next steps for $50k investment
Replies: 3
Views: 285

Re: Already in Vanguard 401k - next steps for $50k investment

Welcome to the forum :) . I had a late start in life saving for retirement with my 401k at Vanguard. I've let Financial Engines manage the fund for the 13 years I've had it (I now know I need to discontinue the managed plan in favor of the 3-fund portfolio). I've been on the most aggressive portfoli...
by ruralavalon
Wed Jun 19, 2019 7:42 pm
Forum: Personal Investments
Topic: What is a mega backdoor Roth?
Replies: 5
Views: 811

Re: What is a mega backdoor Roth?

Well the good news is that I own my business, so I can change the 401k plan language. Just add a section to allow non-deductible contributions? Anything else? Then write myself large paychecks and withhold a lot (up to the limit)? Then roll it over to a Roth IRA, wait 20 years, and be happy? "How d...
by ruralavalon
Wed Jun 19, 2019 1:36 pm
Forum: Personal Investments
Topic: Portfolio question for an atypical couple
Replies: 12
Views: 1807

Re: Portfolio question for an atypical couple

Welcome to the forum :) . Husband is 71, recently retired. Wife is 44. No children. . . . . . . Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 30% of stocks (We are only guessing here. Need suggestion.) In my opinion, at ages 71 and and 44 and self-employed in rea...