Search found 13281 matches

by ruralavalon
Sun Jul 15, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 51
Views: 2949

Re: FireCalc: How big a grain of salt?

Reading through this thread, I am beginning to wonder how anyone retires without a constant fear of running out of money. Then that makes me wonder if anyone voluntarily retires or is everyone just forced out to live out their days in fear of financial calamity. Many of the people who don't save fo...
by ruralavalon
Sun Jul 15, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3128
Views: 954988

Re: What Book Are You Currently Reading? Part VI

Year of Decision, 1846 , by Bernard DeVoto. This is a very good narrative history of the expansion of the United States into the West. A lot occurred in 1846: 1) peaceful settlement of the dispute with the British over the joint occupation of Oregon, settling the disagreement over the boundary betw...
by ruralavalon
Sun Jul 15, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Spending profile in retirement
Replies: 19
Views: 1505

Re: Spending profile in retirement

What do you use as a spending profile in retirement? I don't don't think the SWR method is what I want to use. My current plan in firecalc and The Flexible Retirement Planner is: 55-60: $105k base spending (current spending), $25k travel 61-70: $95k base spending (kids are off the dole), $25k trave...
by ruralavalon
Sun Jul 15, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Investing vs Debt
Replies: 12
Views: 601

Re: Investing vs Debt

+1 for what ruralavalon said. Buckle down, don't succumb to lifestyle inflation, keep living off your wife's income, basically, and get those loans paid off as soon as possible. I forgot to add "avoid lifestyle inflation", live frugally like a resident until you zero out the student debt or are ver...
by ruralavalon
Sun Jul 15, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 51
Views: 2949

Re: FireCalc: How big a grain of salt?

“Past performance does not guarantee future results.” Granted. However I do feel good about having 100% success with with a decent spend in firecalc. I-orp.com is much mor optimistic. “Past performance does not guarantee future results.” Nothing is guaranteed, the question is to what degree do you ...
by ruralavalon
Sun Jul 15, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Investing vs Debt
Replies: 12
Views: 601

Re: Investing vs Debt

Welcome to the forum :) . Hi, thank you for taking the time to read my post. I am 34 years old and in my last year of an Endodontics residency. No income currently Federal student loans: $400,000 at ~6.6% Anticipated income after 1 more yr of residency: $200,000-350,000 No CC debt Wife's income - $3...
by ruralavalon
Sun Jul 15, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: 26 years old. Roth ira with edward jones last 3.5 years.
Replies: 44
Views: 2485

Re: 26 years old. Roth ira with edward jones last 3.5 years.

I'm looking for advice or references to learn how I should go about investing with about 5k (seems schwab/fidelity has a pretty good following) and if keeping this ira at edward jones is really that bad (40 annually with no other fees seems reasonable). It should be noted that my mortgage is with t...
by ruralavalon
Sun Jul 15, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3143

Re: Like Lifestrategy Funds but???

It's the second-largest asset class in the world behind international real estate. So any deviation from that is an active decision. My 401k is LS Growth and I'm fine with a slice of it, even though I am wildly underweight global cap. I doubt if anyone in the world holds a true market-weight portfo...
by ruralavalon
Sun Jul 15, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Bond Portfolio
Replies: 11
Views: 1149

Re: Bond Portfolio

As Taylor often says, any good quality short-term or intermediate-term bond fund will do. It is switching around from one to the other chasing performance which gives rise to most of my concern. Pick a good credit quality short-term or intermediate-term bond fund and stick with it. Vanguard offers s...
by ruralavalon
Sat Jul 14, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6417

Re: Dave Ramsey made me laugh today

I've also heard him tell people (who would likely qualify for significant premium subsidies) to buy individual health insurance directly from insurance companies instead of through the ACA exchange because the latter is "too much government". Also told a "top student" seeking an engineering degree ...
by ruralavalon
Sat Jul 14, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Splitting Monies between multiple investment houses
Replies: 17
Views: 1329

Re: Splitting Monies between multiple investment houses

Courtesy of several jobs over the past 30 years, we have 401k's split between a bunch of MF companies. These include Fido, VG, Metropolitan, OneAmerica and more. We'd like to consolidate as we are hitting retirement in a year, however we have some discomfort with moving everything into our Fidelity...
by ruralavalon
Sat Jul 14, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Bond Portfolio
Replies: 11
Views: 1149

Re: Bond Portfolio

I have too much of my portfolio in equities, especially international equities at the moment. I was planning to do some rebalancing and move more into bonds. [emphasis added] Given the current shape of the yield curve (see this thread, for instance), https://www.bogleheads.org/forum/viewtopic.php?f...
by ruralavalon
Sat Jul 14, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6417

Re: Dave Ramsey made me laugh today

I was listening to his podcast and he basically said this: "Bonds are stupid, they decrease in value in rising interest rates. I don't own any bonds and all of my mutual funds are in stocks." He then rattled off his usual "growth, growth/income, aggressive growth, international" allocation. Seems s...
by ruralavalon
Sat Jul 14, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: How is my money looking going forward?
Replies: 3
Views: 537

Re: How is my money looking going forward?

Debt free, living very frugally, contributing $37k + match to investing on $60k income (62% savings rate), with $190k in retirement investments at age 27 you are doing great. Congratulations :) :) .

Don't feel at all guilty about "raising your lifestyle", you are doing great.
by ruralavalon
Sat Jul 14, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: US:International allocation ratio
Replies: 18
Views: 1430

Re: US:International allocation ratio

There is no “right” answer. Some people will tell you 0%, including our dear leader Jack Bogle. In the past Taylor Larimore has made a case for 20%. I personally follow Vanguards lead at 40%. Others swear by market weight. Others still are overweighting international due to the predicted lower retu...
by ruralavalon
Sat Jul 14, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: more risky alternatives saving for down payment
Replies: 4
Views: 327

Re: more risky alternatives saving for down payment

Welcome to the forum :) . I plan on saving 20% down in an expensive real estate area. I know that I should put the money in a safe place, such as a high yield savings account or money market account (1.85% at CIT bank) However, having a few hundred thousands sitting there seems like a waste. Should ...
by ruralavalon
Sat Jul 14, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 349335

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

Age 72, retired, asset allocation is 50/50.

Total return is up 1.04% year to date.

Best fund so far is Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), total return is up 6.45% year to date.
by ruralavalon
Fri Jul 13, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 40
Views: 4615

Re: Self Employed 48years old and nothing saved for retirement

I am concerned about the seasonal aspect of your income. Investing each and every month / payday is essential to building up your retirement resources. During the FA months of your business do you work for some other entity? If not now, can you do so for the future?? I have retirement resources bec...
by ruralavalon
Fri Jul 13, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: expense ratio in a fund containing funds
Replies: 9
Views: 750

Re: expense ratio in a fund containing funds

Can you link the fact sheet for the LifePath fund you are referring to? That might make it clear. I believe that you will likely be paying the stated expense ratio of the LifePath fund itself, that's not in addition to the expense ratios of the underlying funds. http://profile.morningstar.com/profi...
by ruralavalon
Fri Jul 13, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 40
Views: 4615

Re: Self Employed 48years old and nothing saved for retirement

I am also very new to investing. So am not clear as to what plan I should have in place once I have knocked out my debt. I am a sol proprietor of my business and work in a very seasonal and expensive town so my income is always very different. I am concerned about the seasonal aspect of your income...
by ruralavalon
Fri Jul 13, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 40
Views: 4615

Re: Self Employed 48years old and nothing saved for retirement

I am a 48 year old self employed female. I am currently trying to pay down my debt in order to buy a house debt free. I have nothing saved for retirement and would like advice on where to start putting money so I have something by the time I retire. I have started a Roth IRA this year. What else sh...
by ruralavalon
Fri Jul 13, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 40
Views: 4615

Re: Self Employed 48years old and nothing saved for retirement

I am also very new to investing. So am not clear as to what plan I should have in place once I have knocked out my debt. I am a sol proprietor of my business and work in a very seasonal and expensive town so my income is always very different. I am concerned about the seasonal aspect of your income...
by ruralavalon
Fri Jul 13, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 40
Views: 4615

Re: Self Employed 48years old and nothing saved for retirement

Hello. I was probably not very clear here. I am currently trying to pay down all of my debt so I can go into the home purchase free of debt and then try to get a 15 year mortgage. Perhaps renting is the way to go as I am starting so late saving for retirement. The idea is to be debt free with which...
by ruralavalon
Fri Jul 13, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: 26 years old. Roth ira with edward jones last 3.5 years.
Replies: 44
Views: 2485

Re: 26 years old. Roth ira with edward jones last 3.5 years.

so after calling vanguard, their fees to sell the funds are considerably high. Like 5% in some cases. I think the only option is it get EJ to liquidate Find out the total dollar cost to sell at Edward Jones before the transfer, and the total dollar cost to sell at Vanguard after transfer. Then sell...
by ruralavalon
Fri Jul 13, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help selecting bond options in 401k
Replies: 5
Views: 436

Re: Help selecting bond options in 401k

Are there any fees for using the brokerage option? Often there are annual fees, or per transaction fees, and sometimes both. When making contributions every pay period, even small fees can add up to destroy the benefit of a lower expense ratio you might get using the brokerage option. No fees for m...
by ruralavalon
Fri Jul 13, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help selecting bond options in 401k
Replies: 5
Views: 436

Re: Help selecting bond options in 401k

Are there any fees for using the brokerage option? Often there are annual fees, or per transaction fees, and sometimes both. When making contributions every pay period, even small fees can add up to destroy the benefit of a lower expense ratio you might get using the brokerage option. Depending on t...
by ruralavalon
Fri Jul 13, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: 26 years old. Roth ira with edward jones last 3.5 years.
Replies: 44
Views: 2485

Re: 26 years old. Roth ira with edward jones last 3.5 years.

Hey all, 26 years old assets: 40k cash/in bank 21k roth ira (edward jones) home equity 80k assorted in home stuff 5k Liabilities 11k student loans 110k mortgage *direct loan against dads company. Loan is held through edward jones at 4%* Current bills $1800/month (480 goes towards maxing roth) Curre...
by ruralavalon
Fri Jul 13, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: 26 years old. Roth ira with edward jones last 3.5 years.
Replies: 44
Views: 2485

Re: 26 years old. Roth ira with edward jones last 3.5 years.

What is the interest rate on your student debt?

Do you have any employees in your business besides yourself?

About how much do you believe you may be able to contribute to investing annually?
by ruralavalon
Fri Jul 13, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: One Fund During Retirement?
Replies: 10
Views: 773

Re: One Fund During Retirement?

Good morning! I am still a few years away from retiring (15-17 years) so right now I am in the growth and accumulate phase. I'm wondering if there is one fund I can switch to once I am in retirement? Specifically, the Vanguard Wellesley Income fund. I am hopeful to have about $600,000 portfolio by ...
by ruralavalon
Fri Jul 13, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: 26 years old. Roth ira with edward jones last 3.5 years.
Replies: 44
Views: 2485

Re: 26 years old. Roth ira with edward jones last 3.5 years.

There is more than one possibility. Since you are self-employed you could consider using a SEP IRA, SIMPLE IRA, or individual (solo) 401k. Vanguard, small-business plans, "Compare plans" . The Bogleheads' wiki has articles on each type of plan. Boglehead's wiki, "SEP IRA" . Boglehead's wiki, "SIMPLE...
by ruralavalon
Fri Jul 13, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: expense ratio in a fund containing funds
Replies: 9
Views: 750

Re: expense ratio in a fund containing funds

I see an expense ratio of .08 for 'LifePath Index 2055 Non-Lendable M ' in a 401k account. I look at the fund's holdings, and it's a list of other funds (see below). So am I paying a fee for each layer of holdings? how do I get the overall expense ratio (I don't mind the .08%, but perhaps the under...
by ruralavalon
Fri Jul 13, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: 26 years old. Roth ira with edward jones last 3.5 years.
Replies: 44
Views: 2485

Re: 26 years old. Roth ira with edward jones last 3.5 years.

Welcome to the forum :) . Some additional information is needed. What is the interest rate on the student debt? (Paying off student debt might be a priority, if the interest rate is high.) Please add the fund names and expense ratios on your investments in the IRA, don't just use the ticker symbols ...
by ruralavalon
Fri Jul 13, 2018 7:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 407
Views: 39796

Re: Post your Financial Milestone Announcements Here

Ha ha, good timing as we just did our annual net worth update. We hit our "number" this year. Yay us. But our most significant milestone for 2017 and the one we're most proud of was giving away more than we spent. I hope that will continue for many years. And since I'm putting up the second post in...
by ruralavalon
Thu Jul 12, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: stock trading fee at fidelity and vanguard
Replies: 11
Views: 1051

Re: stock trading fee at fidelity and vanguard

My suggestion is don't trade stocks.

You could have two IRAs, one at Vanguard and one at Fidelity.
by ruralavalon
Thu Jul 12, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3143

Re: Like Lifestrategy Funds but???

I am "almost certainly" moving toward the purchase of LS in all retirement account (all in tax deferred and Roths - no taxable). As I weed through the decision so many forum folks have help me, one be one, clarify and thoughts I have on them. So one of my last questions has to do with Vanguard Tota...
by ruralavalon
Thu Jul 12, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with "Extra" money:
Replies: 8
Views: 844

Re: What to do with "Extra" money:

Grandkids? 529 or taxable account. Might I suggest Berkshire Hathaway A shares. Otherwise donate to your alma mater, local library, or religious affiliation or animal shelter. + 1, but rather than any individual stock I suggest a very tax-efficient stock index fund in a taxable account, and I would...
by ruralavalon
Thu Jul 12, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 4705

Re: [Considering the Vanguard LifeStrategy Fund]

Wellesley Income and Wellington are viable alternatives to comparable Life Strategy funds. As the following data indicates, Wellesley Income and Wellington have had superior performance. Accumulative Percent Performance For 10 Year Period Ending June 30, 2018 VWINX - Wellesley Income (37% stocks / ...
by ruralavalon
Thu Jul 12, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: What's your *real* asset allocation?
Replies: 28
Views: 2808

Re: What's your *real* asset allocation?

I include all invested assets including savings bonds. My allocation target and real are very close to the same. Within a percent or 2, moving with markets. The house? No. That's where I live. It isn't a retirement investment. Since I assume I will end up in Assisted Living at some point, I plan to...
by ruralavalon
Thu Jul 12, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: What's your *real* asset allocation?
Replies: 28
Views: 2808

Re: What's your *real* asset allocation?

I state that my asset allocation is Age - 10 in bonds (29.5% since I average both my wife and my ages together), 10% precious metals, rest in equity split 2/3 US and 1/2 Intl. And I keep pretty close to that in the accounts that I use to compute these values (29.67% bonds, 9.52% precious metals, 41...
by ruralavalon
Thu Jul 12, 2018 5:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 407
Views: 39796

Re: Reached 7 figure

Congratulations :D :D :D .
by ruralavalon
Thu Jul 12, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 40
Views: 4615

Re: Self Employed 48years old and nothing saved for retirement

Welcome to the forum :) . Congratulations on going back to school at age 40 to improve yourself. That takes some guts. Age 48 is a late start on retirement investing, but not too late to make a difference if you plan well now. In general: 1) use tax-advantaged accounts whenever possible; 2) keep inv...
by ruralavalon
Thu Jul 12, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Questions about my perspective on bond funds
Replies: 13
Views: 887

Re: Questions about my perspective on bond funds

My minds perspective sees the following in regards to bond funds after reading too many forum threads on them. Rising rates have dropped bond fund share prices-I see this as a firesale and want to buy the dips now for future growth. Buy total bond fund as its share price is a “value” that will long...
by ruralavalon
Thu Jul 12, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: When asking advice
Replies: 13
Views: 1461

Re: Pre-tax or after tax? Does it matter?

Thank you for all the feedback. :happy. I knew about index funds through reading Jack Bogle’s classic book on mutual funds. My work place retirement accounts take the money before taxes. Isn’t that the smarter way? So if I re-activate a retirement account that has much better fund options, isn’t th...
by ruralavalon
Thu Jul 12, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: How/where to allocate new money?
Replies: 10
Views: 786

Re: How/where to allocate new money?

If your AA is set and you don't need to currently rebalance, how do you apply new $s? For example, montly 401k contribution. What asset would you put a small amount of new money into? Is it best to just pick one class and then a different one the next month hitting each one over a period of time, r...
by ruralavalon
Thu Jul 12, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: What to invest 401k in?
Replies: 13
Views: 700

Re: What to invest 401k in?

Welcome to the forum :) . You have some very good funds offered in your 401k, you are fortunate. Before I had a target date fund that I picked through my work's 401k. It didnt seem to generate that much income. I picked a 5 separate funds which seemed to be doing bettter. They are: US Bonds Index C:...
by ruralavalon
Thu Jul 12, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 4705

Re: [Considering the Vanguard LifeStrategy Fund]

Wellesley Income and Wellington are viable alternatives to comparable Life Strategy funds. As the following data indicates, Wellesley Income and Wellington have had superior performance. Accumulative Percent Performance For 10 Year Period Ending June 30, 2018 VWINX - Wellesley Income (37% stocks / ...
by ruralavalon
Thu Jul 12, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 46
Views: 4302

Re: Where do you keep your Emergency Fund?

5-year CD at my local credit union (3%). I'm interested that nearly everyone seems to keep their emergency funds in accounts that are immediately accessible with no penalty. I think a small penalty for accessing is actually a good idea - it keeps you from accessing the money for anything other than...
by ruralavalon
Thu Jul 12, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to invest in bonds?
Replies: 39
Views: 4705

Re: Is it ok to invest in bonds?

I understand why/how bond values decrease when there is an increase in interest rates, but how relevant is this if one buys a bond and holds til maturity? What about in bond index funds, certainly the overall price of the fund can decrease with increasing rates but is this a reason to not invest in...
by ruralavalon
Wed Jul 11, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 4705

Re: [Considering the Vanguard LifeStrategy Fund]

Welcome to the forum :) . I took on an advisor nearly a year ago, with 1% fee, and my goal was to get my investments as well diversified as possible. I finally came to the conclusion after many years of investing, mostly through an advisor, that Jack Bogle had it all right with complete diversificat...
by ruralavalon
Wed Jul 11, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: 33 year old, New to investing, advice for portfolio diversification!
Replies: 5
Views: 475

Re: 33 year old, New to investing, advice for portfolio diversification!

Welcome to the forum :) . Some additional information would be very helpful. What is your age? Do you have any dependents? How would you describe your risk tolerance? Do you have an emergency fund to cover 3-6 months of basic living expenses? What is the interest rate on your student debt? What is y...