Search found 13902 matches

by ruralavalon
Mon Oct 15, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: "Turn Off The Financial News"
Replies: 13
Views: 1705

Re: "Turn Off The Financial News"

Bogleheads: The "Wall Street Physician" has written a timely article. It ends with this Conclusion: The financial media wants to turn the stock market into a sporting event, drawing you in to watch. Investors should resist this urge and tune out the financial news. Stop watching CNBC and Bloomberg ...
by ruralavalon
Mon Oct 15, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 11
Views: 1158

Re: Portfolio Review - Seeking Better Simplification

Hi all. In 2015, I moved away from UBS and transferred to Vanguard (with the help of the fine folks on this board). I used a local fee-only financial adviser who helped me put together my portfolio and have engaged his services each year to adjust as needed. I'm at a point where I am getting comfor...
by ruralavalon
Mon Oct 15, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question -- taxable account
Replies: 8
Views: 841

Re: Asset allocation question -- taxable account

Welcome to the forum :) . Hello all. This is my first post. I have a question about my taxable brokerage account. I am currently almost fully invested in the Vanguard Tax-Managed Balanced Fund (VTMFX), other than a small amount of cash in the Prime Money Market Fund for emergencies. I am realizing t...
by ruralavalon
Mon Oct 15, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Funds for 23 year just starting out
Replies: 7
Views: 389

Re: 401k Funds for 23 year just starting out

Encourage her to set her contributions to her 401k as high as is practical for her. When young and just starting a high contribution rate is as important as almost anything else she can do in investing. Hi my child is 23 just got first corporate job out of college. 401k eligible with 50% match on fi...
by ruralavalon
Mon Oct 15, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Complete newbie here! Would like help determining Roth vs Traditional IRA...
Replies: 7
Views: 382

Re: Complete newbie here! Would like help determining Roth vs Traditional IRA...

Welcome to the forum :) . Those are good choices in books on investing. Hi all! New guy here looking to dive into indexing! I've read a couple of the Bogleheads' books (Little Book of Common Sense and Guide to Investing), but I still had a few questions before I'm ready to get started I think... 1st...
by ruralavalon
Mon Oct 15, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: 30 yr old needing rebalance advice for current 401k
Replies: 19
Views: 1357

Re: 30 yr old needing rebalance advice for current 401k

I had some time to sit down and make the changes to my current 401k. I do have our HR lady looking into rolling my previous employers funds into my current account, so hopefully that got the ball rolling anyhow. Ruralavalon, I appreciate the insight and I took you suggestion on funds, I understand ...
by ruralavalon
Mon Oct 15, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Is it better to have fewer investment choices?
Replies: 23
Views: 1677

Re: Is it better to have fewer investment choices?

I've been thinking about moving all my accounts to Vanguard and just investing directly in the index funds, despite their disadvantages relative to ETF's. The reason is that I feel by limiting the number of investment options, as well as the ease with which I might trade, I prevent myself from maki...
by ruralavalon
Mon Oct 15, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Large Cap Growth vs Blend
Replies: 3
Views: 195

Re: Large Cap Growth vs Blend

In my opinion a large cap blend index fund is likely the better choice, because of lower expense ratio and broader diversification.
by ruralavalon
Mon Oct 15, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 55
Views: 4583

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

In my opinion the most important advantage to Fidelity (and Schwab as well) is the zero initial minimum investment for traditional mutual funds. This will be very important to the young or new investor, or any investor with a moderate income. A $3k initial minimum investment for almost all funds at ...
by ruralavalon
Sun Oct 14, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: 401k Options help (beginner)
Replies: 18
Views: 740

Re: 401k Options help (beginner)

I’d use the ishares S&P 500 index for 60%, PGIM total return bond for 20%, and American Funds EuroPacific growth fund for 20%. Or something like that. I agree. These are the better funds to use. That is a reasonable asset allocation in my opinion. 60%, iShares S&P 500 Index (81% of U.S. stock marke...
by ruralavalon
Sun Oct 14, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Newbie investment help
Replies: 14
Views: 1119

Re: Newbie investment help

I forgot to mention my specifics, if it will help State: Florida Tax Bracket: 22% I will be investing in a taxable account as of now. I have maximized my 401k with my company at 3%. I also invested in a 5 year CD at 2.4% instead of bonds. And after reading the links sent by the first member I have ...
by ruralavalon
Sun Oct 14, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Help evaluate my investment situation
Replies: 23
Views: 2350

Re: Help evaluate my investment situation

You are right about my contributions going fwd. I plan to invest maximum to my 401k. .25*93,000=$23,250. $19,000 pre-tax and $4,250 post-tax Employer match is 5%, so .05*93,000=$4,650 Total contribution = $27,900 I’ve read the 401k plan and post-tax is allowed as are in service rollovers. I plan on...
by ruralavalon
Sat Oct 13, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Newbie investment help
Replies: 14
Views: 1119

Re: Newbie investment help

Welcome to the forum :) . It's good to see that you are starting young and using broadly diversified index funds with low expense ratios. You could consider using an IRA (traditional or Roth) instead of a taxable brokerage account. The tax advantage will be useful. What funds are you using in your 4...
by ruralavalon
Sat Oct 13, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 992

Re: Fidelity 401k and Hello

Thank you for the welcome and the info! I did take a pay cut (from independent contractor to fulltime...taxes are night/day) which is making it much more difficult to save, but hopefully worth it as a career move in the long run. We shall see :) You no longer have to pay self-employment tax, that w...
by ruralavalon
Sat Oct 13, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 992

Re: Fidelity 401k and Hello

Mac Inger wrote:
Sat Oct 13, 2018 10:47 am
Simple works. I have enough complexity in my life as is.

@ruralavalon, we recently moved to IL from CA. The winter is coming...strange new beast for us.
We had snow here yesterday :( . Heading to Florida in January :) .
by ruralavalon
Sat Oct 13, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate-term Bond Fund or Target Retirement Fund in 401(k)
Replies: 23
Views: 1065

Re: Intermediate-term Bond Fund or Target Retirement Fund in 401(k)

In my opinion Metropolitan West Total Return Institutional (MWTIX) ER 0.45% offered in your 401k is a good, actively managed, intermediate-term (average effective duration = 6.13 years) bond fund, using investment grade bonds (average credit quality = BBB), with a moderate expense ratio. That would ...
by ruralavalon
Sat Oct 13, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Transitioning to new platform
Replies: 8
Views: 1404

Re: Vanguard - Transitioning to new platform

You don't have to transition to the new brokerage platform if you don't want to.
by ruralavalon
Sat Oct 13, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 992

Re: Fidelity 401k and Hello

I don't think that using the BrokerageLink will be helpful, since the funds offered in your 401k itself are so great.
by ruralavalon
Sat Oct 13, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Guidance
Replies: 8
Views: 458

Re: Portfolio Guidance

Welcome to the forum :) . How much (in dollars) are you contributing annually to each account? When young and just starting out a high contribution rate is as important as almost anything else you can do in investing. Do you have any debt? If so what types, amounts and interest rates? What bond fund...
by ruralavalon
Sat Oct 13, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance to bonds in 401k (timing)
Replies: 3
Views: 265

Re: Rebalance to bonds in 401k (timing)

I’m trying to figure out what most people do when they only have bonds in 401k and there is a large lump sum investment in taxable. Let’s say for example my AA is 50/30/20, US/Int/Bonds. Currently no portion of my AA is off by more than 1% from target. In the next month or so I’ll be investing a la...
by ruralavalon
Sat Oct 13, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k Options help (beginner)
Replies: 18
Views: 740

Re: 401k Options help (beginner)

I’d use the ishares S&P 500 index for 60%, PGIM total return bond for 20%, and American Funds EuroPacific growth fund for 20%. Or something like that. I agree. These are the better funds to use. That is a reasonable asset allocation in my opinion. 60%, iShares S&P 500 Index (81% of U.S. stock marke...
by ruralavalon
Sat Oct 13, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 992

Re: Fidelity 401k and Hello

In my opinion participating in the automatic Annual Increase Program is a good idea. Maybe easier if i type it out: Stock funds: Large Cap PRGFX - ER Gross: 0.67 - ER Net: Same - Fee: 0.51 VWNEX - ER: 0.21 - ER Net: Same - Fee: 0.2 VINIX - ER: 0.035 - ER Net: Same - Fee: 0.035 Mid Cap HWMIX - ER: 0....
by ruralavalon
Sat Oct 13, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7355
Views: 1544573

Re: U.S. stocks in freefall

Total return of Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) is up 4.52% year to date.
by ruralavalon
Sat Oct 13, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Help picking Broker
Replies: 8
Views: 725

Re: Help picking Broker

Yes, very fortunate that both of us have been able to max out everything regarding retirement accounts since we began employment. We have to utilize taxable accounts because everything else is done. I’m very comfortable with the hierarchy of investing. It's great that have been maxing out all retir...
by ruralavalon
Fri Oct 12, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help picking Broker
Replies: 8
Views: 725

Re: Help picking Broker

Welcome to the forum :) . Have been researching brokers. There seems to be a lot of recommendations for Fidelity and Schwab. Have also read some positive reviews for Merrill Edge and mixed reviews for Vanguard, mostly related to service. I do have a BOA account so Merril Edge has some relationship b...
by ruralavalon
Fri Oct 12, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: [Need Investment] Advice
Replies: 2
Views: 217

Re: [Need Investment] Advice

Welcome to the forum :) . More info is necessary, such as any debt, your tax bracket, your tax filing status, how much you contribute to investing annually, the funds you are using in your 401k, the funds offered in your 401k. Please see the post "Asking Portfolio Questions" for information needed a...
by ruralavalon
Fri Oct 12, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 3957

Re: Vanguard website problems [Transactions won't go through, 500 error...]

I couldn't access my mobile app for 36 hours this week. Many others had problems via the website or telephone. Never once during this weeks events did I have a problem with my Fidelity or Schwab accounts. Another example why of the popular opinion on this board that Vanguard is better because it is...
by ruralavalon
Fri Oct 12, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k and Hello
Replies: 20
Views: 992

Re: Fidelity 401k and Hello

Welcome to the forum :) .

For a bond investment consider:
Vanguard Total Bond Market Index Fund Institutional, expense ratio ????%.

Your screen grab didn't include any domestic stock funds or any international stock funds. Please post those, with expense ratios if possible.
by ruralavalon
Fri Oct 12, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Allocation
Replies: 6
Views: 221

Re: Help with 401K Allocation

I just looked at the percent owned of what you hold now, OP. You have a lot of overlap and hold some high ER funds. There's no need to hold the target date funds, if you're going to hold all the asset classes separately anyway. Or, the other way also... just hold a target date fund. There's no need...
by ruralavalon
Fri Oct 12, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7430

Re: What did you buy today

I had some dry powder on the side waiting for an opportunity.. I used some of it to add some ITOT at $63.50 today. Like to know if you used this as an opportunity to buy some (if yes, what did you buy) or waiting for more downturn for buying opportunity I bought a cup of coffee and a bowl of beef b...
by ruralavalon
Fri Oct 12, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help evaluate my investment situation
Replies: 23
Views: 2350

Re: Help evaluate my investment situation

NH3930 wrote:
Fri Oct 12, 2018 11:10 am
I think you have it right. I was using the new contribution limits for 2019. I will post back a follow up this evening to clarify. Thanks!
I had not realized that the contribution limits will be higher in 2019. You are right to use the higher limits for planning purposes.
by ruralavalon
Fri Oct 12, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Financial situation/Health checkup - Stocks vs. Real Estate?
Replies: 17
Views: 1320

Re: The Three-Fund Portfolio

If I want to have say a 85/15 stocks to bond ratio, should I include all funds - retirement, taxable, emergency funds (60K cash/CDs) in that ratio, or is that 85/15 just for funds earmarked towards retirement? Not including assets - 1M house, 265K outstanding mortgage at 2.75% - 15yr term, maybe 9 ...
by ruralavalon
Fri Oct 12, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7355
Views: 1544573

Re: U.S. stocks in freefall

The S&P 500 index is up 1.49% so far today :D .
by ruralavalon
Fri Oct 12, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 302
Views: 31215

Re: U.S. stocks continue to soar!

GoldStar wrote:
Fri Oct 12, 2018 9:14 am
NASDAQ up over 2%; Other indexes up over 1%.

Market will be back in soaring territory soon :)
S&P 500 index is up 1.38% so far today.
by ruralavalon
Fri Oct 12, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Help evaluate my investment situation
Replies: 23
Views: 2350

Re: Help evaluate my investment situation

My salary is currently ~$93k/year. I contribute currently enough to hit close to the $18,500 mark pre-tax for my 401k. Company matches 5% at 100% as long as I’ actively contributing with no “true-up”. 2019, going forward this could be one plan: 401k: max out pre-tax amount to get me at $19,000 pre-...
by ruralavalon
Thu Oct 11, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio analysis
Replies: 10
Views: 1330

Re: Portfolio analysis

Cash from home sale? Additionally, I have a question regarding excess cash from the proceeds of my home sale. Any advice would be greatly appreciated! . . . . . Condo Mortgage $1140 a month with a $125,000 mortgage balance. What is the interest rate on the mortgage note (balance $125k) for your con...
by ruralavalon
Thu Oct 11, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help evaluate my investment situation
Replies: 23
Views: 2350

Re: Help evaluate my investment situation

What is your tax bracket?

What is the capital gain/loss status of the two stocks you hold in your taxable account?

I'm trying to determine if it's practical to sell those stocks , and, invest the proceeds in very tax-efficient stock index funds.
by ruralavalon
Thu Oct 11, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: 30 yr old needing rebalance advice for current 401k
Replies: 19
Views: 1357

Re: rebalancing future contributuis in employers 401k, 30yr old

Does this look better... Vanguard Small Cap Index Ins (VSCIX)- {25% of future allocation} Vanguard Mid Cap Index Ins (VMCIX)- {0% of future allocation} Vanguard Institutional Index Instl (VIIIX) [ER is .02]- {55% of future allocation} Vanguard Total International Stock Index Instl (VTSNX)- {10% of ...
by ruralavalon
Thu Oct 11, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 3957

Re: Vanguard website problems [Transactions won't go through, 500 error...]

Did anyone experience problems buying, selling or exchanging Vanguard mutual funds?
by ruralavalon
Thu Oct 11, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Philosophy
Replies: 11
Views: 948

Re: Investing Philosophy

Thank you all. I'm appreciative of all the feedback. On the pragmatic side, here's how I've got it laid out (automated). VSBSX is Vanguard Short Term Treasury Index Fund Admiral Shares. TIQRX is TIAA Equity Index Retirement Class. VTSAX is Vanguard Total Stock Index Fund Admiral Shares. VTSMX is Va...
by ruralavalon
Wed Oct 10, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Retirement Account Questions
Replies: 6
Views: 755

Re: Multiple Retirement Account Questions

Hey all, thank you so much for the responses. It will take me a few days to review everything and have a full response including edits to my original post however I do have quick items. I agree on the debt! I have paid down about $40k in principle in the past two years and with my new job and highe...
by ruralavalon
Wed Oct 10, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 3957

Re: Vanguard website today

getting a "500 internal server error" with desktop and my android phone using firefox. what is going on? They have issues with market data, and only the shadow knows what else http://i66.tinypic.com/1z6e979.png So far this morning I have only been able to see Account Overview. If I try to click on ...
by ruralavalon
Wed Oct 10, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Help with American Funds 401k Plan
Replies: 5
Views: 398

Re: Help with American Funds 401k Plan

Welcome to the forum :) . Congratulations on your graduation and achieving partnership in your practice. Some additional information might be useful. What is the amount and interest rate on your student debt? Do you have any other debt, if so what types, amounts and interest rates? What is your tax ...
by ruralavalon
Wed Oct 10, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Allocation re: Social Security
Replies: 13
Views: 1013

Re: Allocation re: Social Security

Like Jeb, I am subtracting SS from expenses and calculating from there. Me too. Me three. I find treating Social Security as an income stream, reducing the amount needed to be produced by investing an easier way to analyze my situation. A large Social Security benefit, like a substantial pension, c...
by ruralavalon
Wed Oct 10, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs others
Replies: 27
Views: 1789

Re: Vanguard vs others

A few hundredths of a percent difference in expense ratios will likely be irrelevant to outcome. Other factors are likely to outweigh such small differences, like the differences in the indexes used, tracking error, tax-efficiency if held in a taxable account, and securities lending policy. Vanguard...
by ruralavalon
Tue Oct 09, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3333
Views: 1003019

Re: What Book Are You Currently Reading? Part VI

On Desperate Ground, by Hampton Sides.

This is the story of the First Marine Division in their battle with five Chinese Army Divisions at the Chosin Reservoir, and then fighting their out of the mountains of North Korea during the winter of 1950-51. This is a very good book, I recommend it.
by ruralavalon
Tue Oct 09, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling VTSMX to buy VIGRX & VISGX
Replies: 14
Views: 1324

Re: Thinking about selling VTSMX to buy VIGRX & VISGX

Aeiouoiea wrote:
Mon Oct 08, 2018 8:06 pm
I'm still new to this. 28 years old. I have around $6,500 in Total Stock Market Index (VTSMX). I am thinking about selling it and buying Growth Index (VIGRX) and Small-Cap Growth Index (VISGX).



Thoughts on this?
Why?

Stay with Vanguard Total Stock Market Index Fund Admiral Shares (VTSMX).
by ruralavalon
Tue Oct 09, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Retirement Account Questions
Replies: 6
Views: 755

Re: Multiple Retirement Account Questions

Welcome to the forum :) . Some additional information might be helpful. You can simply add this to your original post using the edit button (the pencil icon near the upper right corner of your post), it helps a lot if all of your information is in one place. Why Small-cap growth? I would prefer 100%...
by ruralavalon
Tue Oct 09, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7355
Views: 1544573

Re: U.S. stocks in freefall

TSM is only down 3% from historical highs. Relax everybody. Indeed. I'm still up almost 10% for the year. You can bet that I would take that every year from here on out. A little downward movement is healthy because it helps to reduce market inflows that would surely come if the market went straigh...
by ruralavalon
Tue Oct 09, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into international in retirement account
Replies: 6
Views: 475

Re: Rebalance into international in retirement account

Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) is suitable for any type of account.