Search found 11644 matches

by ruralavalon
Sat Nov 18, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 50
Views: 4165

Re: Windfall and advice

There's nothing wrong with having an advisor with a low expense indexing philosophy to get you started and help you set up a plan, and then beginning to manage the portfolio yourself. Well, if said advisor puts you in funds that require an advisor, such as DFA, hard to get away from said advisor wi...
by ruralavalon
Sat Nov 18, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Am I loopy for thinking about doing this? [Change stock allocation]
Replies: 10
Views: 1342

Re: Am I loopy for thinking about doing this? [Change stock allocation]

Long time lurker who needs some BH insight. I'm 57 and may retire in around 6 or 7 years. I have approx. 650K saved in tax deferred accounts as follows: Total Bond Undex: 250K Total Stock Market Index: 135K Total International Index: 130K S&P Index: 135K I contribute 42K - 55K per year to these acc...
by ruralavalon
Sat Nov 18, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 62
Views: 3022

Re: Is holding bonds now dangerous?

We hold Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX) and are not concerned. Our asset allocation is 50% bonds.
by ruralavalon
Sat Nov 18, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Current precarious equity environment for a retiree
Replies: 34
Views: 2019

Re: Current precarious equity environment for a retiree

I know it's taboo to talk about market timing here, but I am worried about the current market situation. Please note that this pertains only to a retirement situation, not an accumulation one. My concern is [emphasis added] that the current environment is one of high valuations with those valuation...
by ruralavalon
Sat Nov 18, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Current precarious equity environment for a retiree
Replies: 34
Views: 2019

Re: Current precarious equity environment for a retiree

I know it's taboo to talk about market timing here, but I am worried about the current market situation. Please note that this pertains only to a retirement situation, not an accumulation one. My concern is that the current environment is one of high valuations with those valuations seemingly propp...
by ruralavalon
Sat Nov 18, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: portfolio review
Replies: 4
Views: 376

Re: portfolio review

Asset allocation. Age: 45 (Wife 45) Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 10% of stocks At age 45 a 60/40 stock/bond allocation is within the range of what is reasonable in my opinion. I suggest around 20 - 30% of stocks in international stocks. Vanguard...
by ruralavalon
Sat Nov 18, 2017 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio / Gathering collective wisdom
Replies: 5
Views: 332

Re: Help with portfolio / Gathering collective wisdom

Welcome to the forum :) . Congratulations on zeroing out the debt. Age: 32 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 45% of stocks? At age 32 I suggest about 20 - 25% in bonds. This is expected to substantially reduce volatility (risk), with only a relatively...
by ruralavalon
Sat Nov 18, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k fund allocation
Replies: 4
Views: 318

Re: 401k fund allocation

Welcome to the forum :) . In your current 401k you could consider these funds: 1) iShares S&P 500 Index Fund Institutional (BSPIX) ER 0.11% 2) iShares MSCI EAFE International Institutional (MAIIX) ER 0.15% (larger companies, developed markets) 3) Voya Intermediate Bond Fund Class I (IICIX) ER 0.33% ...
by ruralavalon
Fri Nov 17, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund choices, please
Replies: 8
Views: 369

Re: Help with 401K fund choices, please

In your 401k I suggest simply: 50%, Russell Large Cap Index, ER 0.38% 20%, Dodge & Cox International Stock (DODFX) ER 0.64% 30%, Voya Intermediate Bond, ER 0.54% What is the index used by the Russell Large Cap Index Fund? If you are contributing enough to get the full employer match each year, then ...
by ruralavalon
Fri Nov 17, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing ideas
Replies: 1
Views: 198

Re: Investing ideas

Trying to get some investing ideas for my mom. A place she worked at for a short time offered her $78/month or 9,900 lump sum. Currently drawing SS/disability. Not sure if she can open ira. Age 58 no investing experience Thanks She can not contribute to an IRA unless she has earned income from empl...
by ruralavalon
Fri Nov 17, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 21
Views: 1814

Re: Spending Taxable to Zero during Retirement

Retired 2 years ago at age 58. So far it has been great. I am burning down my taxable brokerage account first. The funds are being used for expenses plus income tax on Roth conversions between now and age 70 when I will take SS. I know the general guideline is to burn down your taxable first and th...
by ruralavalon
Fri Nov 17, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

I would not be concerned about the less frequent and lower reporting requirements for trusts. You will probably get a quarterly report on each trust. You had not previously indicated that the Vanguard Institutional Total Bond Market Index Trust was available. I would prefer to include that as one o...
by ruralavalon
Fri Nov 17, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

I would not be concerned about the less frequent and lower reporting requirements for trusts. You will probably get a quarterly report on each trust. You had not previously indicated that the Vanguard Institutional Total Bond Market Index Trust was available. I would prefer to include that as one of...
by ruralavalon
Fri Nov 17, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

. . . . . Hello Ruralavalon: I'd like to execute the example portfolio you shared: Joint Taxable account @ Vanguard (33% of total; $100k; adds $????/yr) 23%, Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% 10%, Vanguard Total International Stock Index Fund Admiral Shares (VTI...
by ruralavalon
Fri Nov 17, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments
Replies: 4
Views: 361

Re: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments

I agree with Duckie , put the extra cash toward paying off the debt, don't try to do a backdoor Roth IRA, and once the accounts are at Vanguard consider either a three-fund type portfolio or use a balanced fund like a LifeStrategy fund. At age 35 I suggest about 20-25% in bonds. I suggest in the ran...
by ruralavalon
Fri Nov 17, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

. . . . . Hello Ruralavalon: I'd like to execute the example portfolio you shared: Joint Taxable account @ Vanguard (33% of total; $100k; adds $????/yr) 23%, Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% 10%, Vanguard Total International Stock Index Fund Admiral Shares (VTI...
by ruralavalon
Fri Nov 17, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1100165

Re: U.S. stocks in freefall

On a 50/50 asset allocation our total return year to date is up 9.44%, about three times our rate of withdrawal :) .

I sure hope that the "freefall" continues at this rate.
by ruralavalon
Fri Nov 17, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Tax Efficiency
Replies: 8
Views: 609

VXUS. Re: Portfolio Opinions and Tax Efficiency

Asset alloocation. I try to abide by the following percentages (which I change a little now and then) simply by investing new amounts into areas that are low. 45% - Total Stock Market (VTSAX, TSP C fund) 22.5% - International (VTIAX, VTRIX, TSP I fund) 10% - Small Cap Value (VSIAX, TSP S fund) 10% ...
by ruralavalon
Thu Nov 16, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 537

Re: Critique my beginner IRA portfolio

Asset allocation. Just opened an iRA this year. 29yo, married filing jointly, 155k household income, only husband has 401k, no major debt, ~30k in savings, no other investments but planning to invest outside of IRA as soon as I sort out our IRAs. Sizes of our IRA & 401k are very small since we only...
by ruralavalon
Thu Nov 16, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab charging $76 for VG funds
Replies: 31
Views: 3609

Re: Schwab charging $76 for VG funds

I have a very BH portfolio, but have been at Schwab since my start...I use VG funds for all but total stock market (with a few other minor exceptions). The issue is that every time I rebalance - once a year or with a major windfall -- Schwab charges me $76 every time I buy a VG fund. When you do th...
by ruralavalon
Thu Nov 16, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 537

Re: Critique my beginner IRA portfolio

In the IRAs Fidelity Treasury Bond Index Fund (FIBIX) is a good choice. You both could instead consider Fidelity U.S. Bond Index Fund (FSITX) which is more diversified including corporate bonds. . . . . . It's often better to treat all accounts together as a single unified portfolio, instead of tryi...
by ruralavalon
Thu Nov 16, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 537

Re: Critique my beginner IRA portfolio

Just opened an iRA this year. 29yo, married filing jointly, 155k household income, only husband has 401k, no major debt, ~30k in savings, no other investments but planning to invest outside of IRA as soon as I sort out our IRAs. We have Fidelity for everything. Husband's 401k is put into TRRNX, rec...
by ruralavalon
Thu Nov 16, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1095

Re: Managing 401k after Job Change

Remember that rolling the old 401k over also gets you a more less expensive international stock funds in the current 401k. On the international stock index funds, it's 0.571% vs 0.08%, a difference of 0.491% in expense ratios, better in the current 401k. On the international value stock funds it's ...
by ruralavalon
Thu Nov 16, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

If we don't invest any portion of the 100K cash and instead use it to pay down our principal on the mortgage, then could we continue just having the Vanguard Wellington Fund Admir Shares (VWENX) as our only fund in each of our tax advantaged accounts (both Roths and 1 401K)? Yes. Vanguard Wellingto...
by ruralavalon
Thu Nov 16, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Mother in retirement: Withdraw annually or monthly?
Replies: 19
Views: 1918

Re: Mother in retirement: Withdraw annually or monthly?

My mother-in-law is retired. Her only retirement account is a rolled over IRA with a simple 60/40 allocation. . . . . . . . . . . . You didn't say how old she is or how savvy, you may want to go for once/year for simplicity. I know my wife would want that. She’s 70 and Fidelity offers automatic wit...
by ruralavalon
Thu Nov 16, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1095

Re: Managing 401k after Job Change

Thanks -- there's a lot of useful info here. In the interest of simplifying, I'm considering not retaining the tilt and using the IRA to hold Extended Market rather than SCV, If you go with an extended market index fund the IRA, then you can reduce or skip the small-cap index fund in the 401k. but ...
by ruralavalon
Thu Nov 16, 2017 5:08 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 848609

Re: What Book Are You Currently Reading? Part VI

How the Scots Invented the Modern World , by Arthur Herman. This is an interesting history of the Scottish Enlightenment of the 18th and early 19th centuries, with worldwide impact in literature (Burns, Scott), science (Kelvin, Maxwell), economics (Adam Smith), engineering (Watt), transportation (M...
by ruralavalon
Wed Nov 15, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Initial Portfolio Review- need help with AA, funds, etc. Want the boglehead way
Replies: 49
Views: 3552

Re: Initial Portfolio Review- need help with AA, funds, etc. Want the boglehead way

Doing some more reading and perhaps 80/20 is indeed the way to go as it provides an acceptable balance of risk vs return This is what I’m thinking : 20% bonds, 15% domestic SCV, 25% domestic market, 15% EM, 25% Intl Thoughts? 1) In my opinion in your 30s 20% in bonds is within the range of what is ...
by ruralavalon
Wed Nov 15, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

The account sizes are that way because those are the dollar amounts you have in the existing Roth IRAs and 401k accounts, and the amount you have to start a joint taxable account. Are there any other retirement/long-term investing accounts that you have? The asset classes are 35% bonds, 20% internat...
by ruralavalon
Wed Nov 15, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1095

Re: Managing 401k after Job Change

Asset allocation. Ages: 36 & 34 Desired Asset allocation: 50% stocks / 50% bonds Desired International allocation: 40% of stocks At ages 34 and 36 I suggest about 20 - 25% in bonds. This is expected to substantially reduce volatility (risk), with only a relatively slight decrease in return. Graph, ...
by ruralavalon
Wed Nov 15, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1100165

Re: U.S. stocks in freefall

It feels like a consolidation. A few folks taking profits, a few sharp drops, and more likely than not this just trails out over a few weeks before everyone settles down from the November jitters. Then you get the Christmas boost and we hit 2595 on the S&P and I will have I used all my luck for the...
by ruralavalon
Wed Nov 15, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

Asset allocation. Advised allocation by Vanguard : 90% equity funds/ 10% bond funds Current allocation (since everything is in Vanguard Wellington Adm Shares): 65/35 At ages 39 and 43 I suggest around 25-30% in bonds. This is expected to substantially reduce volatility (risk), with only a relativel...
by ruralavalon
Wed Nov 15, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1095

Re: Managing 401k after Job Change

1. Your stock to bond allocation is extremely low for someone of your age. A more normal allocation would be something like 80% stocks, maybe 70% at a push. Over the long timeframe you have before retirement, a 50% stock portfolio is almost certain to underperform a portfolio with a higher percenta...
by ruralavalon
Wed Nov 15, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1095

Re: Managing 401k after Job Change

In my opinion your 50% bond allocation is very high for your ages (34 and 36). . . . . Some additional information would be helpful. What returns have been paid in the Fidelity Stable Value Fund? Is there a guaranteed rate of return? Will your current 401k plan accept a rollover from your old 401k? ...
by ruralavalon
Wed Nov 15, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2217

Re: Do you subscribe to taking risk only on the equity side

I am curious, as Larry Swedroe and others have said to take your risk on the equity side. It would seem to me that there are legitimate opportunities in preferred stocks and convertible bonds that lie somewhere between bonds and stocks to add some return without the same risk levels of equities. Do...
by ruralavalon
Wed Nov 15, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1100165

Re: U.S. stocks in freefall

flyingaway wrote:
Wed Nov 15, 2017 10:33 am
Is the big one coming?
Probably. Someday. Unless it doesn't.

Sorry. My crystal ball is in the shop for repairs, and my time machine never did work right.
by ruralavalon
Wed Nov 15, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

I will get you an example portfolio to consider later this afternoon, no time now. It's odd that the 401k does not offer Vanguard Total Bond Market Index Fund or some other domestic intermediate-term bond fund. Could you please double check that? It would be desirable to use a good intermediate-term...
by ruralavalon
Wed Nov 15, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

At your regular payment rate, how many years until the mortgage is paid off? It's a year old and we're on a bi-weekly schedule, so total payoff should be in about 26 years (roughly around my retirement age of 70). The 3.25% interest on your mortgage is effectively 2.44%, given your tax bracket of 2...
by ruralavalon
Wed Nov 15, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

cash: 100K-----intended for the purpose of investing or paying down principal on the mortgage mortgage: 30 year fixed at 3.25% principal is approx $480K other debt: none Tax bracket: 25% . . . . . 1. What should we do with our 100K cash sitting in the bank (pay down principal or invest)? What amoun...
by ruralavalon
Tue Nov 14, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1479

Re: Portfolio allocation/location

Welcome to the forum :) . You can probably manage your investments yourself. Your use of Vanguard Wellington Admiral Shares (VWENX) ER 0.16% in all accounts so far was a good choice, the fund is well diversified with a low expense ratio. You seem already to have a grasp of the need for diversificati...
by ruralavalon
Tue Nov 14, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Mother in retirement: Withdraw annually or monthly?
Replies: 19
Views: 1918

Re: Mother in retirement: Withdraw annually or monthly?

follow up question: for those who withdraw monthly, do you withdraw proportionally so your asset allocation stays the same or do you choose a specific asset class and change it every now and then based on how the different asset classes are performing? It's withdrawn proportionally from each fund i...
by ruralavalon
Tue Nov 14, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: First "real" job with 401(k), HSA and higher income. Any advice?
Replies: 19
Views: 1681

Re: First "real" job with 401(k), HSA and higher income. Any advice?

If you want the same asset allocation in each account, in the HSA just use Vanguard LifeStrategy Growth Fund (VASGX) ER 0.15%. That fund has an 80/20 asset allocation.
by ruralavalon
Tue Nov 14, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k question - shift to a three-fund portfolio?
Replies: 4
Views: 414

Re: 401k question - shift to a three-fund portfolio?

In my opinion at age 33 a 20% allocation to bonds is within the range of what is reasonable. It's often better to treat all accounts as one unified portfolio, rather than allocate each account separately. I encourage you to consider a 20% bond allocation across all accounts including the Roth IRAs. ...
by ruralavalon
Tue Nov 14, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion of Total Stock Market Index
Replies: 21
Views: 2249

Re: Opinion of Total Stock Market Index

Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% is a very diversified domestic stock fund with a low expense ratio, which is very tax-efficient in a taxable account. Please be sure that your overall portfolio is very diversified, including a good intermediate-term bond fund an...
by ruralavalon
Tue Nov 14, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1188

Re: Wife's 401k investment options (high fees!)

It looks like we may be stuck with S&P Index at 0.70% (we're not eligible for Roth IRA ) [emphasis added] and use our rollover IRAs to balance out the overall portfolio. If the employer doesn't match, don't participate. TravelforFun I disagree. They are not eligible to contribute to Roth IRAs, so h...
by ruralavalon
Tue Nov 14, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Tax Efficiency
Replies: 8
Views: 609

Re: Portfolio Opinions and Tax Efficiency

Welcome to the forum :) . . . . . I am young with a long term outlook (fine with an aggressive profile) and have good job security (military). -Age: 28 -Status: Married, filing jointly -No debt and saving approx. $6k/month -I always max out my ROTH TSP/ROTH IRA first, then taxable. Which brings me t...
by ruralavalon
Tue Nov 14, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Mother in retirement: Withdraw annually or monthly?
Replies: 19
Views: 1918

Re: Mother in retirement: Withdraw annually or monthly?

We have a monthly withdrawal from my rollover IRA, just because it's convenient.
by ruralavalon
Tue Nov 14, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: First "real" job with 401(k), HSA and higher income. Any advice?
Replies: 19
Views: 1681

Re: First "real" job with 401(k), HSA and higher income. Any advice?

kjdbonez wrote:
Tue Nov 14, 2017 1:54 pm
Which fund available in the HSA options above do you guys think would be best for international equity exposure?
None.
by ruralavalon
Tue Nov 14, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 144
Views: 15903

Re: Vanguard 403b Changes

This actually sounds like a completely normal fee for this kind of account. There are legitimate costs to be covered, and it is fair to pay for them. It sounds like an unfair subsidy is being removed. . . . . . . . . I know it sucks to suddenly have a new fee, but I really think it's fair and reaso...
by ruralavalon
Tue Nov 14, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1188

Re: Wife's 401k investment options (high fees!)

badbreath wrote: ↑Mon Nov 13, 2017 11:02 pm 100% State Street S&P 500 Index Fund 0.70% +1 Add Some State Street Russell Small cap. I would not do small cap till you have $30-40k invested in the S&P if not more. I suggest Street S&P 500 Index Fund, ER 0.70%. Consider also the Invesco Stable Asset Fu...