Search found 13314 matches

by ruralavalon
Mon Jul 23, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Help setting up my portfolio
Replies: 9
Views: 730

Re: Help setting up my portfolio

Hello, I appreciate your reply. I’ve been reviewing it and have these questions: 1) From what I’ve read, VTSAX has all the holdings of VGSLX, so wouldn’t it be redundant to hold both? 2) Morningstar has some model tax-efficient saver portfolios: https://www.morningstar.com/articles/714436/taxeffici...
by ruralavalon
Sat Jul 21, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: New job no 401k -- options for investment?
Replies: 5
Views: 597

Re: New job no 401k -- options for investment?

Talk to your employer about starting a 401k. I work for a very small company that recently started a 401k with Guideline. They fit very much with the BH philosophy of low-cost index based funds (mostly Vanguard Admiral Shares funds, including all the ones people here are looking for), and charge lo...
by ruralavalon
Sat Jul 21, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 46
Views: 3864

Re: Short versus Intermediate Term Bond

But it [Total Bond Market] is currently at 10.43 which is down more than 7% since the ~2012 high of 11.23. With dividends reinvested, it's up by 8.1% since 11/20/2012, per a Morningstar growth chart. If I thought that the past can tell something about the future, I would not have placed the questio...
by ruralavalon
Fri Jul 20, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing 403(b) expense ratios
Replies: 7
Views: 256

Re: Optimizing 403(b) expense ratios

Vanguard ETFs are just another share class of the Vanguard mutual funds, so the tax-efficiency is identical.
by ruralavalon
Fri Jul 20, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, new 401K, trying to select best bang for the buck from whats available
Replies: 11
Views: 560

Re: New Job, new 401K, trying to select best bang for the buck from whats available

I agree with BL's fund suggestions. Ask HR for a copy of the Plan and a copy of the Summary Plan Description. The funds offered in your 401k plan are a bit worse than most 401ks. But you should probably still contribute to your 401k. About how long do you feel that you might be with this employer? "...
by ruralavalon
Fri Jul 20, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing 403(b) expense ratios
Replies: 7
Views: 256

Re: Optimizing 403(b) expense ratios

Hi all, I'm currently splitting equities 60% US / 40% International. My 403(b) offers Vanguard Total US Stock Index Institutional Plus shares (ER 0.02%) but only Vanguard Total International Stock Index Investor shares (ER 0.17%). No matter how much $$$ I put into International, I'll only have opti...
by ruralavalon
Fri Jul 20, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: SSAFX a good Bond Fund? [State Street Aggregate Bond Index]
Replies: 5
Views: 316

Re: SSAFX a good Bond Fund?

Out my both of our 401ks the only low expense bond fund is a "State Street Bond Market Index fund". It doesn't have a ticker but looks pretty much like SSAFX. This fund has lost 1.24% this year (compared to -2.70% for SSAFX). If this a good fund to use for our complete bond portion of our AA? It pr...
by ruralavalon
Fri Jul 20, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 3951

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

Welcome to the forum :) It's great that you want a simple portfolio of index funds, and understand the importance of diversification, of keeping investing expenses low, and of not trying to time the market. You already understand all of the basics. Don't undervalue the knowledge you already have. A ...
by ruralavalon
Thu Jul 19, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Simple question on where to fund - 401k > IRA > what next
Replies: 20
Views: 1309

Re: Simple question on where to fund - 401k > IRA > what next

I hope you will rethink the idea of a bond allocation. What are the two bond funds offered in your new 401k? Please give fund names, tickers and expense ratios. Again thanks for the time you spent on the reply. I am starting to rethink the bond allocation, as with anything I tend to read too much b...
by ruralavalon
Thu Jul 19, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Changes
Replies: 1
Views: 202

Re: Portfolio Changes

Hi everyone, Obligatory info: Emergency funds: 6 month expenses Debt: No Tax Filing Status: Single State of Residence: MA Age: 34 Desired Asset allocation: 100% stocks / 0% bonds Desired International allocation: Reasonable! My retirement portfolio is currently the following: 45% SCHB (Schwab US Br...
by ruralavalon
Thu Jul 19, 2018 12:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 424
Views: 41670

Re: Post your Financial Milestone Announcements Here

why don't people mention age, location and occupation/industry? saying you have 3m at age 90 isn't a milestone FWIW Says who? How about if you started out with negative net worth? What about if you were worth $2M at age 65, lost most of it to some calamity and made it back to $3M? That's not an acc...
by ruralavalon
Thu Jul 19, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: REITs, etc
Replies: 11
Views: 617

Re: REITs, etc

I have a few general questions regarding investing in REITs and other real-estate related investments. Overall I'm a novice/low-level intermediate investor but extremely novice on the real estate side: 1. At what point do you or should you include REITs and other real estate investing such as crowd...
by ruralavalon
Thu Jul 19, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 46
Views: 3864

Re: Short versus Intermediate Term Bond

Vanguard shows that the Short Term Bond ETF (BSV) has an estimated YTM of 2.8 years and a duration of 2.7 years, while the Intermediate Term Bond ETF (BIV) has an estimated YTM of 3.4% but a duration of 6.4 years. Given thyat it is a given that the Fed will continue increasing short term rates, why...
by ruralavalon
Wed Jul 18, 2018 7:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 424
Views: 41670

Re: Seven figure milestone

[Thread merged into here, see below. --admin LadyGeek] Not a big deal for many of you guys but I wanted to share reaching the seven figure networth. I thought I would celebrate after reaching it but turns out I did not. I reached this milestone a few months ago without realizing it. Even though I i...
by ruralavalon
Wed Jul 18, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New Investor/ Please Help!
Replies: 8
Views: 592

Re: Brand New Investor/ Please Help!

I would like help with my Roth work 401k and I would love yalls At age 25 I suggest about 20% in bonds. This is expected to substantially reduce portfolio volatility (risk), with only a relatively slight decrease in portfolio return. Graph, "An Efficient Frontier: the power of diversification" . Pl...
by ruralavalon
Wed Jul 18, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund at Etrade - "enhancing" SWISX with VSS?
Replies: 6
Views: 425

Re: 3-fund at Etrade - "enhancing" SWISX with VSS?

In my opinion the more serious shortcoming of Schwab International Index Fund (SWISX) is the absence of stocks of companies in emerging markets.
by ruralavalon
Wed Jul 18, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: My portfolio
Replies: 1
Views: 298

Re: My portfolio

Welcome to the forum :) I am a long-time reader on this website but first time poster. I am 35 years old so I have a long time horizon. I am interested in getting people's opinions on my model asset allocation. It is aggressive, and somewhat similar to the DFA all equity portfolio. Sparing you the a...
by ruralavalon
Wed Jul 18, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New Investor/ Please Help!
Replies: 8
Views: 592

Re: Brand New Investor/ Please Help!

Welcome to the forum :) . It's always good to see someone starting young.You have some excellent funds in your 401k, you are fortunate. That's a nice company match. I just found y’all and I am glad I did! I am 27 and I have just started funding my first work 401k. I need help/tips with investing. I ...
by ruralavalon
Wed Jul 18, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 46
Views: 3864

Re: Short versus Intermediate Term Bond

Vanguard shows that the Short Term Bond ETF (BSV) has an estimated YTM of 2.8 years and a duration of 2.7 years, while the Intermediate Term Bond ETF (BIV) has an estimated YTM of 3.4% but a duration of 6.4 years. Given thyat it is a given that the Fed will continue increasing short term rates, why...
by ruralavalon
Wed Jul 18, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Investing Advice
Replies: 3
Views: 349

Re: 401k Investing Advice

Welcome to the forum :) . Hi all, I am just starting off my career. I am currently a 1099 self-employed contractor and so will be funding my own 401k. I've been reading some investing books which recommend low-cost index funds like the Vanguard Total Stock Market Index Fund. Is it a good idea to sta...
by ruralavalon
Wed Jul 18, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Advice for young colleague please
Replies: 26
Views: 2059

Re: Advice for young colleague please

The job is secure, there is good medical and disability insurance and a pension if she works there long enough. She is 30, single, rents, has lupus and a kidney transplant. 5. Open a health savings account if you have access to one. Fully fund it every year (just under $4k) and use it to pay medica...
by ruralavalon
Wed Jul 18, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Simple question on where to fund - 401k > IRA > what next
Replies: 20
Views: 1309

Re: Simple question on where to fund - 401k > IRA > what next

There are two bond funds offered but I didn't dig into them yet. I have been staying with all equities for now and don't feel I want the bonds yet. Some of this is lack of understanding and contradictions in what I read. Person A says you should hold each asset class under each different tax bucket...
by ruralavalon
Tue Jul 17, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Too Diversified?
Replies: 14
Views: 1370

Re: Too Diversified?

Welcome to the forum :) . Yes, Vanguard Total International Stock ETF (VXUS) is suitable for 100% of the international stock investment. I use the traditional mutual fund equivalent of that ETF, Vanguard Total International Stock Index Fund Admiral Shares (VTIAX), for 100% of our international stoc...
by ruralavalon
Tue Jul 17, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Simple question on where to fund - 401k > IRA > what next
Replies: 20
Views: 1309

Re: Simple question on where to fund - 401k > IRA > what next

But in your head post you were asking about opening a taxable account. I would never put cash in a taxable account while simultaneously spending HSA dollars on health care. HSA is the only account that is truly tax-free (at deposit and at withdrawal if used for healthcare). I was asking about taxab...
by ruralavalon
Tue Jul 17, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Index funds
Replies: 6
Views: 598

Re: Index funds

Any index funds people recommend one over another. I am in VOO, just wanted to get other people's take. What type of account is this (401k, IRA, taxable brokerage account)? Do.you have any other accounts and investments? Vanguard 500 Index ETF (VOO) is a fine fund for investing in U.S.stocks. For b...
by ruralavalon
Tue Jul 17, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Simple question on where to fund - 401k > IRA > what next
Replies: 20
Views: 1309

Re: Simple question on where to fund - 401k > IRA > what next

My wife and I are plowing everything we can into retirement savings right now. I'm 36, she's 33, I make 80k to 85k, we have three young kids and she stays home to raise the kids. At this point we are maxing out IRAs and I was putting 8% additional into my 401k. My employer was just sold from corpor...
by ruralavalon
Tue Jul 17, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Index funds
Replies: 6
Views: 598

Re: Index funds

Any index funds people recommend one over another. I am in VOO, just wanted to get other people's take. What type of account is this (401k, IRA, taxable brokerage account)? Do.you have any other accounts and investments? Vanguard 500 Index ETF (VOO) is a fine fund for investing in U.S.stocks. For b...
by ruralavalon
Tue Jul 17, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Small windfall, no debt, where to put it? [USA]
Replies: 10
Views: 639

Re: Small windfall, no debt, where to put it? [USA]

1) Fully fund both Roth IRAs.

2) Increase contributions to your 401ks enough to meet the employee maximum by the end of the year, use the windfall cover living expenses you would otherwise have covered from your paychecks. This is not complicated.

3) Contribute to the HSA or a taxable account.
by ruralavalon
Tue Jul 17, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Advice for young colleague please
Replies: 26
Views: 2059

Re: Advice for young colleague please

. . . . . Her employer contributes 5 percent of her salary to her 401k. The job is secure, there is good medical and disability insurance and a pension if she works there long enough. She is 30, single, rents, has lupus and a kidney transplant. Credit Cards: Southwest Chase Visa: 1400 balance/5k li...
by ruralavalon
Mon Jul 16, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Advice for young colleague please
Replies: 26
Views: 2059

Re: Advice for young colleague please

She has some excellent funds offered in her 401k, she is fortunate. For her emergency fund she could consider a high yield savings account (see www.bankrate.com for interest rates), or use Vanguard Prime Money Market Fund (VMMXX) current SEC Yield = 2.05%. I think it's a good idea for her to start t...
by ruralavalon
Mon Jul 16, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 3875

Re: All-In VTSAX

HI BH friends, Thinking about getting rid of IEMG and VEA and all-in VTSAX . This is for retirement fund. I am asking for advice if getting rid of emerging market and international are acceptable from boglehead investment style? i.e, I am trying to consolidate more and more into 2 Fund portfolio. T...
by ruralavalon
Mon Jul 16, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Too Diversified?
Replies: 14
Views: 1370

Re: Too Diversified?

Welcome to the forum :) . Yes, Vanguard Total International Stock ETF (VXUS) is suitable for 100% of the international stock investment. I use the traditional mutual fund equivalent of that ETF, Vanguard Total International Stock Index Fund Admiral Shares (VTIAX), for 100% of our international stock...
by ruralavalon
Mon Jul 16, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Changing jobs - 401k etc
Replies: 8
Views: 429

Re: Changing jobs - 401k etc

Welcome to the forum :) . Hi all, First time poster, I've read the rules and hopefully won't be breaching any etiquette. If I do, please let me know! Here's the situation: moving from a relatively modest paying job to a much higher paying one with a much better 401k plus other perks. My last day of ...
by ruralavalon
Sun Jul 15, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4441

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: 3136
Views: 957776

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: 1586

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: 656

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: 58
Views: 4441

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: 656

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: 2544

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: 3267

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: 1204

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: 6538

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: 1385

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: 1204

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: 6538

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: 550

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: 1463

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: 337

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: 350157

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.