Search found 20878 matches

by ruralavalon
Fri Apr 16, 2021 7:37 pm
Forum: Personal Investments
Topic: Savings too much for Roth. Keep it in a savings account or invest it?
Replies: 3
Views: 370

Re: Savings too much for Roth. Keep it in a savings account or invest it?

Welcome to the forum :) . It's great to see that you are debt free, living frugally, good at saving, and starting young at investing using tax-advantaged accounts. The most important investing decision you can make is to establish a high rate of contributions to investing. Forum discussion link . Ho...
by ruralavalon
Fri Apr 16, 2021 6:49 pm
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 90
Views: 5719

Re: Multiple years of expenses in cash when starting retirement

I’ve read a lot of posts recently where people have mentioned having X number of years in cash when entering retirement. The reasons were varied but it got me thinking how they may have positioned themselves to have this cash since it seems most people keep 3-6 months for their EF (some less) on a ...
by ruralavalon
Fri Apr 16, 2021 6:16 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2289
Views: 271958

Re: Post your Financial Milestone Announcements Here

I made it! Joined the 2 comma club (!!) at market close today. Funny thing is I don't really feel like a millionaire but... the maths don't lie. (Umm... I actually feel pretty miserly lol) This has been a long time coming from a job loss and having to move back in with my parents during the 2008 GF...
by ruralavalon
Fri Apr 16, 2021 4:09 pm
Forum: Personal Investments
Topic: New 60/40 idea any good?
Replies: 10
Views: 1465

Re: New 60/40 idea any good?

What if the 60% is still in equities but the 40% bonds are replaced by MYGAs and/or Index annuities? Indexed annuities, sometimes called "equity indexed annuities" or "fixed indexed annuities", are a horrible idea. FINRA, Investor Alert . Don't even consider them. Multi-Year Gua...
by ruralavalon
Fri Apr 16, 2021 3:45 pm
Forum: Personal Investments
Topic: Work 401K investment suggestions
Replies: 16
Views: 906

Re: Work 401K investment suggestions

Some more information is needed to answer your questions about which funds to use and Roth versus traditional 401k contributions. Hello all Started a new Job and need some input on investment options. They offer a traditional and a Roth 401K option. There is no match but they do offer a separate pen...
by ruralavalon
Fri Apr 16, 2021 3:27 pm
Forum: Personal Investments
Topic: How should I invest in my 401k account
Replies: 6
Views: 479

Re: How should I invest in my 401k account

Welcome to the forum :) . My company offers a bunch of funds to invest in our 401k. However, none of the funds mirrors VTI, VXUS, or BND, and I'm not sure how much I should invest in each. Here are the funds they offer: - Large caps: VAN IS S&P500 IDX TR VANG RUS 1000 GR TR VANG RUS 1000 VAL TR ...
by ruralavalon
Fri Apr 16, 2021 10:38 am
Forum: Personal Investments
Topic: Where to invest 6k in Roth?
Replies: 37
Views: 2939

Re: Where to invest 6k in Roth?

Not knowing your financial situation, your age/proximity to retirement, your risk aversion etc. answers may not really fit well for you. That said, VTSAX is an excellent well diversified index fund and has served me very well. 43 years old and at least 10 years away from retirement . This 6k is goi...
by ruralavalon
Fri Apr 16, 2021 10:28 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2289
Views: 271958

Re: Post your Financial Milestone Announcements Here

My combined individual retirement account balances closed above $500K today for the first time. I’m 37 and combined with my wife’s accounts, taxable and home equity, our NW is about $1,500K but the individual milestone seemed a long time coming. I know it’s a marathon and will probably dip tomorrow...
by ruralavalon
Fri Apr 16, 2021 10:23 am
Forum: Personal Investments
Topic: Employer Plan Switching to New Fund Lineup (for the better)
Replies: 9
Views: 623

Re: Employer Plan Switching to New Fund Lineup (for the better)

Those are the three funds I would would pick. Be aware that Fidelity® International Index Fund ( FSPSX ) is not a total international index fund, it tracks the MSCI EAFE index. That index covers developed markets excluding the U.S. and Canada. The fund has no coverage of emerging matkets, if that m...
by ruralavalon
Fri Apr 16, 2021 10:17 am
Forum: Personal Investments
Topic: Tax deferred balance, keep it at 403b or move it to IRA (then convert to Roth)?
Replies: 22
Views: 1343

Re: Tax deferred balance, keep it at 403b or move it to IRA (then convert to Roth)?

Hello fellow Bogleheads, I am thinking about transferring the entire balance on my TIAA 403b (from my previous job) to Vanguard IRA. Then I plan to do Roth conversion over next a few years starting next year. I was hesitant to move the whole balance to IRA because of the complication for backdoor R...
by ruralavalon
Thu Apr 15, 2021 5:30 pm
Forum: Personal Investments
Topic: Son (20) opening a Roth—investment options?
Replies: 21
Views: 1147

Re: Son (20) opening a Roth—investment options?

My son opened a Roth IRA tonight at Vanguard with $1,000 he earned over the winter. I’m thinking ETFs are the way to go. 80% total stock and 20% international stock. Is this reasonable for a 20 year old? For a beginner in an IRA at Vanguard with $1k to invest I suggest a target date fund like Vangu...
by ruralavalon
Thu Apr 15, 2021 4:58 pm
Forum: Personal Investments
Topic: Where to invest 6k in Roth?
Replies: 37
Views: 2939

Re: Where to invest 6k in Roth?

Thanks I don’t have a personal preference too .. If these 2 are similar in terms of returns and expense ratio It really doesn’t matter .. Thanks Fidelity Total Market Index Fund (FSKAX) and Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) are very similar funds, both are very diversifi...
by ruralavalon
Thu Apr 15, 2021 4:42 pm
Forum: Personal Investments
Topic: Help for a newbie ETF/index fund investor?
Replies: 3
Views: 242

Re: Help for a newbie ETF/index fund investor?

Welcome to the forum :) . What sort of account will you be using (IRA, individual taxable account)? Is there a plan offered at your job like a 401k, 403b, 457b, SEP IRA, SIMPLE IRA, TSP? If so is an employer match offered, and what is the match? If a plan is offered at work, then it's usually better...
by ruralavalon
Thu Apr 15, 2021 4:22 pm
Forum: Personal Investments
Topic: Employer Plan Switching to New Fund Lineup (for the better)
Replies: 9
Views: 623

Re: Employer Plan Switching to New Fund Lineup (for the better)

Those are the three funds I would would pick. Be aware that Fidelity® International Index Fund ( FSPSX ) is not a total international index fund, it tracks the MSCI EAFE index. That index covers developed markets excluding the U.S. and Canada. The fund has no coverage of emerging matkets, if that ma...
by ruralavalon
Thu Apr 15, 2021 4:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451340

Re: What Movie Have You Recently Watched?

Death in the Clouds , on YouTube. While Poirot sleeps on an airplane flight from Paris to London, a notorious French moneylender is murdered with a poisoned dart. Is this with David Suchet? How did the plot/acting compare with other Poirots? Thanks. RM Yes, David Suchet stars as Poirot. I always en...
by ruralavalon
Thu Apr 15, 2021 3:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5082
Views: 1324194

Re: What Book Are You Currently Reading? Part VI

Into Oblivion, by Arnaldur Indridason.

An apparent murder and a decades old missing person's case present mysteries around a U.S. airbase near Reykjavik, Iceland.
by ruralavalon
Thu Apr 15, 2021 3:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451340

Re: What Movie Have You Recently Watched?

Death in the Clouds, on YouTube.

While Poirot sleeps on an airplane flight from Paris to London, a notorious French moneylender is murdered with a poisoned dart.
by ruralavalon
Thu Apr 15, 2021 1:16 pm
Forum: Personal Investments
Topic: 401K investment help
Replies: 24
Views: 766

Re: 401K investment help

Those are good fund choices in my opinion.

Your portfolio expense ratio is NOT the total of the expense ratios of all of the funds added togetther.

Your portfolio expense ratio is the weighted average.
by ruralavalon
Thu Apr 15, 2021 10:06 am
Forum: Personal Investments
Topic: Tax deferred balance, keep it at 403b or move it to IRA (then convert to Roth)?
Replies: 22
Views: 1343

Re: Tax deferred balance, keep it at 403b or move it to IRA?

What is your tax bracket, both federal and state? Why do you wish to do Roth IRA conversions before retiring? Thanks for the link. I am not decided about Roth IRA conversion yet. But in general, I am just concerned that the tax-deferred balance will become too big without any early action. I would ...
by ruralavalon
Thu Apr 15, 2021 9:21 am
Forum: Personal Investments
Topic: Prioritizing investments
Replies: 7
Views: 938

Re: Prioritizing investments

Will your current employer's 401k plan accept a rollover from your IRA? Does your current employer's 401k plan offers good funds with low expense ratios? P!ease give fund names, tickers, and expense of the funds offered. Look at the plan documents for your current employer's 401k plan. Here are the...
by ruralavalon
Wed Apr 14, 2021 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: When to take Social Security
Replies: 13
Views: 1278

Re: When to take Social Security

Ok I'm a few years out before Retirement and having conversations regarding Social Security. My plan is to wait til I'm 70 and get the extra $1000. per month vs taking it at 66 and 2 months. The question is do any of you feel that Uncle Sam may change the rules effecting Soc Security and if I take ...
by ruralavalon
Wed Apr 14, 2021 7:19 pm
Forum: Personal Investments
Topic: Where to invest 6k in Roth?
Replies: 37
Views: 2939

Re: Where to invest 6k in Roth?

Thanks all for the advice , I did invest in VTSAX few minutes back the lump sum. Fidelity charged me $75 as fees to buy VTSAX which I did not know .. I am not sure why ..Just thought I will let you all know. Cheers TD Ameritrade will charge 49.99 for Vanguard Mutual funds. You can buy the equivalen...
by ruralavalon
Wed Apr 14, 2021 4:29 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4071

Re: thinking about adding some REIT

Obviously office REIT's are depressed still and does not look like a good buy for awhile. That's exactly why it is a good time for a long term investor to buy. And what if commercial office real estate never comes back? What if working from home becomes the permanent new normal. Office buildings wi...
by ruralavalon
Wed Apr 14, 2021 4:10 pm
Forum: Personal Investments
Topic: Help diversifying 401k + personal investment account
Replies: 3
Views: 244

Re: Help diversifying 401k + personal investment account

Asset allocation. Desired Asset allocation: Majority stock in taxable account. Less in retirement account. What overall asset allocation do you want for the portfolio as a whole? It's usually better to coordinate investments among all accounts treating all accounts together as a single unified port...
by ruralavalon
Wed Apr 14, 2021 3:30 pm
Forum: Personal Investments
Topic: Value ETF
Replies: 3
Views: 288

Re: Value ETF

Welcome to the forum :) . Hi everyone, I'm looking to put together a combination of growth and value ETFs for use in my ROTH account. For value, I'm looking at the following: Vanguard Value ETF (VTV), ER =.04% Avantis US Small Cap Value ETF (AVUV), ER = .25% Vanguard S&P Small Cap Value 600 ETF ...
by ruralavalon
Wed Apr 14, 2021 2:45 pm
Forum: Personal Investments
Topic: Help diversifying 401k + personal investment account
Replies: 3
Views: 244

Re: Help diversifying 401k + personal investment account

Welcome to the forum :) . It's great to see you making maximum annual employee contributions to your 401k account, and using low expense ratio index funds. Hi Bogleheads I just finished reading the Three Fund Portfolio book and I was inspired to come here and ask for some guidance. I'm mid 30s and e...
by ruralavalon
Wed Apr 14, 2021 2:31 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4071

Re: thinking about adding some REIT

Was talking to my advisor. He pointed out that I have 0 REIT. he said I should look at moving some of my sideline cash and get some. he said take a look at HTA and FRT. Anyone have any favorite REIT they like? Thanks! We used Vanguard Real Estate Index Fund Admiral Shares (VGSLX) for a small part o...
by ruralavalon
Wed Apr 14, 2021 2:21 pm
Forum: Personal Investments
Topic: Tax deferred balance, keep it at 403b or move it to IRA (then convert to Roth)?
Replies: 22
Views: 1343

Re: Tax deferred balance, keep it at 403b or move it to IRA?

W I'll you current employer's plan accept a rollover of the old 403b? Does your current employer's plan offer good funds with with low expense ratios? If so then a rollover into your new employer's plan may be the best choice for you. Thanks for the suggestion. However, I have not reached the age o...
by ruralavalon
Wed Apr 14, 2021 11:11 am
Forum: Personal Investments
Topic: The portfolio of a young mind
Replies: 10
Views: 1300

Re: The portfolio of a young mind

I am 72, and invest conservatively, no different from 99% of the people in this forum. I show below a younger generation investor in my family. For me it may be a bit too late, but for those younger than me that follow Bogleheads, is it time to get a bit more modern and may be add to the 3 Fund por...
by ruralavalon
Wed Apr 14, 2021 11:02 am
Forum: Personal Investments
Topic: Prioritizing investments
Replies: 7
Views: 938

Re: Prioritizing investments

Hi all! I am brand new to investing, having just read The Bogleheads Guide to Investing and a lot of the wiki. I am hoping you can help guide me on how I should best prioritize my investments. Specifically, I am wondering if I should contribute the maximum to an IRA for 2020 and moving forward or a...
by ruralavalon
Wed Apr 14, 2021 10:51 am
Forum: Personal Investments
Topic: Tax deferred balance, keep it at 403b or move it to IRA (then convert to Roth)?
Replies: 22
Views: 1343

Re: Tax deferred balance, keep it at 403b or move it to IRA?

Hello fellow Bogleheads, I am thinking about transferring the entire balance on my TIAA 403b (from my previous job) to Vanguard IRA. Then I plan to do Roth conversion over next a few years starting next year. I was hesitant to move the whole balance to IRA because of the complication for backdoor R...
by ruralavalon
Wed Apr 14, 2021 10:27 am
Forum: Personal Investments
Topic: Should I roll old 401k or not
Replies: 16
Views: 1079

Re: Questions about Diversification and using BrokerageLink

I recently rolled over my old 401k to my new one due to excessive fees levied by my old employer (now that I don't work there anymore). The old 401k was split 82.27% S&P 500 Large Cap, 10.67% Russell 2000 Small Cap, 7.06% Emerging Markets. The new 401k is 100% S&P 500 which is the only dece...
by ruralavalon
Wed Apr 14, 2021 10:15 am
Forum: Personal Investments
Topic: Where to invest 6k in Roth?
Replies: 37
Views: 2939

Re: Where to invest 6k in Roth?

All - I have contributed 6k to traditional IRA ( non deductible) for 2020 and in the process of converting to ROTH IRA ( back door strategy) Can you please advice whether I should invest this 6k in index fund like VTSAX or buy some good growth stocks ( any suggestions?) My horizon is long term and ...
by ruralavalon
Wed Apr 14, 2021 10:02 am
Forum: Personal Investments
Topic: Alternative to Total Bond?
Replies: 46
Views: 4495

Re: Alternative to Total Bond?

In typical retirement portfolios that have meaningful allocations to both stocks and bonds, the volatility and overall risk of stocks dominates that of bonds so strongly that you just don't see huge difference in portfolio behavior with changes in bond holdings. Outstanding point made. In my opinio...
by ruralavalon
Wed Apr 14, 2021 9:41 am
Forum: Personal Investments
Topic: Should I roll old 401k or not
Replies: 16
Views: 1079

Re: Should I roll old 401k or not

ah, Small Caps are soaring today as well and so are emerging markets... wish I would've waited a couple of days before selling, ouch! I guess it's Murphy's law... the positions that were doing poorly for months and years start to SKYROCKET JUST after you sold your position :oops: Thank you for caus...
by ruralavalon
Tue Apr 13, 2021 4:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451340

Re: What Movie Have You Recently Watched?

Murder in Mesopotamia, on YouTube.

While Poirot is on holiday in Iraq, the wife of the head scientist at an archaeological dig confides to him that she is the target of threatening letters.
by ruralavalon
Tue Apr 13, 2021 2:18 pm
Forum: Personal Investments
Topic: [What do you read for financial news?]
Replies: 4
Views: 447

Re: [What do you read for financial news?]

Since going to a three fund portfolio, I have continued my subscription to Barrons, Morningstar, and Skousen. I am wondering if I should just drop them and get my financial news off the tv or the net. At least I wouldn't be tempted as much to buy an individual stock. For financial news I use Mornin...
by ruralavalon
Tue Apr 13, 2021 2:11 pm
Forum: Personal Investments
Topic: Vanguard now allows rollovers into i401k's
Replies: 1
Views: 291

Re: Vanguard now allows rollovers into i401k's

Just got off the phone with Vanguard. They now allow rollovers into individual (solo) 401k's. After amending my i401k plan documents (takes a few days) I'll be all set. I know this has been a major detractor of the i401k offering at Vanguard, so just thought I'd put the word out. That's very good n...
by ruralavalon
Tue Apr 13, 2021 2:05 pm
Forum: Personal Investments
Topic: Alternative to Total Bond?
Replies: 46
Views: 4495

Re: Alternative to Total Bond?

Invest for the long-term, don't base any investing decision on just 3 months. Questioning our decision to stay the course with Total Bond. We are following the 3 fund portfolio for the most part without fixed income (Bond) portion in our tIRAs. The accounts lost a substantial amount during the last ...
by ruralavalon
Tue Apr 13, 2021 1:59 pm
Forum: Personal Investments
Topic: picking a good ETF for Europe Market
Replies: 3
Views: 240

Re: picking a good ETF for Europe Market

Vanguard FTSE Europe ETF (VGK) ER 0.08%.

But why just Europe?
by ruralavalon
Tue Apr 13, 2021 10:24 am
Forum: Personal Investments
Topic: Help with my 457b Allocation Please
Replies: 8
Views: 731

Re: Help with my 457b Allocation Please

Congratulations on your imminent wedding. I have been averaging about $500-$600 per month into my current accounts. $360 into 457. $150-$200 into my taxable stocks. But my plan is to first pay off my debt on my CC with any extra cash/stock sales before investing more into stocks. And then invest tha...
by ruralavalon
Mon Apr 12, 2021 6:07 pm
Forum: Personal Investments
Topic: What equities fund should I add to my Target Date Fund?
Replies: 15
Views: 1138

Re: What equities fund should I add to my Target Date Fund?

Thank you for your perspective, ruralavalon. That's what I'm struggling with--just keeping it simple and taking whatever the TDF gives me, or by taking an educated gamble in hopes of capitalizing on some higher returns. Simple can produce higher returns. An allocation fund seems to insulate investo...
by ruralavalon
Mon Apr 12, 2021 2:46 pm
Forum: Personal Investments
Topic: What equities fund should I add to my Target Date Fund?
Replies: 15
Views: 1138

Re: What equities fund should I add to my Target Date Fund?

A typical 2050 fund like Vanguard’s is already 90% equity. You really can’t get meaningfully more exposure than that. Later target date funds generally won’t be more aggressive (none of them will put you at 100% equity) but will delay the start of the glide path, so you’ll stay at that level for lo...
by ruralavalon
Mon Apr 12, 2021 2:37 pm
Forum: Personal Investments
Topic: Should I roll old 401k or not
Replies: 16
Views: 1079

Re: Should I roll old 401k or not

The new 401k has a very poor Small Cap choice and no EM choices at all so I would have to sell the ODVIX and Small Cap positions and just use the S&P 500. . . . . . So here are my choices: 1. Sell everything in old 401k and roll in to my existing S&P 500 position in my new 401k, that would ...
by ruralavalon
Mon Apr 12, 2021 10:50 am
Forum: Personal Investments
Topic: Help with my 457b Allocation Please
Replies: 8
Views: 731

Re: Help with my 457b Allocation Please

Debt. Debt: $3500 credit card debt 18% interest and 8k student loan (Paying CC debt off asap) Pay off the 18% credit card debt immediately, use money from sales of assets in your taxable account. What is the interest rate on your student loan? Asset allocation. Age: 31 Desired Asset allocation: 50%...
by ruralavalon
Mon Apr 12, 2021 10:40 am
Forum: Personal Investments
Topic: Partial rollover of current 401k to Vanguard
Replies: 4
Views: 435

Re: Partial rollover of current 401k to Vanguard

I turn 60 this year, I think my plan does allow in service withdrawals (non hardship ) , I just need the okay from the company. Thank you for the link! What is the correct terminology for this? Is it a withdrawal or a in kind transfer? I do not want any tax consequences. Thanks It is a "distri...
by ruralavalon
Mon Apr 12, 2021 10:34 am
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 7938

Re: I cant find anything better than S&P

Just putting money in S&P is what I am doing. I tried to look into buying real estate Buying individual stocks and etc. But everything seems like a lot of hassle and more risk than just cruising with DCA into the market. Do you guys have any other suggestion where to put money? You failed to me...
by ruralavalon
Mon Apr 12, 2021 10:16 am
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7850

Re: Mixing Bogle and Ramsey to build my portfolio

[quoted post removed by admin LadyGeek] This is the kind of vitriol that at times makes Bogleheads an unwelcome site to visit. The OP wanted to gain perspective on his current situation. Instead his thread was hijacked and one of the tools the the OP used to help get him where he is was trashed. I ...
by ruralavalon
Sun Apr 11, 2021 3:49 pm
Forum: Personal Investments
Topic: Investment Allocation: Unpredictable Income
Replies: 16
Views: 949

Re: Investment Allocation: Unpredictable Income

Welcome to the forum :) . What is your age? I'm trying to find a low fee, simple way that I can sleep well at night knowing I own a very small piece of the whole world's productivity and can use the dividends to always ensure I have an income. My objective is to create a consistent passive source of...
by ruralavalon
Sun Apr 11, 2021 3:14 pm
Forum: Personal Investments
Topic: International equity ETF options (IXUS, IDEV, IEMG)
Replies: 8
Views: 839

Re: International equity ETF options (IXUS, IDEV, IEMG)

Excellent analysis, thanks. IXUS is market cap weighted so I presume China may eventually become the largest component of this ETF? I would not assume that. iShares Core MSCI Total Intl Stk ETF (IXUS) is currently about 11% China. The Morningstar style box for iShares Core MSCI Total Intl Stk ETF (...