Search found 13139 matches

by ruralavalon
Sun Jun 17, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with RMDs and asset allocation
Replies: 6
Views: 597

Re: Please help with RMDs and asset allocation

Thank you for your thoughtful responses. I will follow the given suggestions. When I asked about taking more than $18,000 per year I was not including the RMD. It's good to know that I do have some leeway. I just wondered if my asset allocation looks ok in general - especially the Tax Deferred acco...
by ruralavalon
Sun Jun 17, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 12
Views: 992

Re: Help with my alocations

Thanks for your inputs. Here is the suggestions incorporated My rollover with Vanguard 188K Dividend growth fund (VDIGX) 4.8% , (ER 0.26) Total International stock (VTIAX) 3.6% (0.11) Total stock Index fund (VTSAX) 13.3% (0.04) Vanguard Roth IRA 86K Energy fund (VGENX) 0.8% (0.38) Equity income fun...
by ruralavalon
Sun Jun 17, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1106

Re: Wanting to learn: seeking approval or criticism on my portfolio

You are 36, a lot can happen in the 30 years or so until she could collect the pension. The employer may drop the pension plan entirely or may severely reduce the pension during the next 30 years, and she may not stay with her employer the rest of her working life. When closer to retirement it can ...
by ruralavalon
Sun Jun 17, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with RMDs and asset allocation
Replies: 6
Views: 597

Re: Please help with RMDs and asset allocation

Welcome to the forum :) . Thank you in advance for looking at my portfolio. I am a single female and will be 71 in July and will have to take RMD before the year's end. My RMD for this year will be about $12,500. My problem is I don't know which funds to take them from. Five years ago when I was goi...
by ruralavalon
Sun Jun 17, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1106

Re: Wanting to learn: seeking approval or criticism on my portfolio

Thank you for the comments. I forgot to include a pension my wife has as well as a small defined contribution plan she has. I updated the Original Post. Could the pension be considered our bonds? There is just a little bit of bonds in the DCP. Would you still add bonds to the ROTHs? Side question, ...
by ruralavalon
Sun Jun 17, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 12
Views: 992

Re: Help with my alocations

Thanks for your time and suggetions. Our retirement investments are not in order and seeking advice before it is too late. We are interested in a portfolio of few stock and bond funds in rollover IRAs and 401K. We prefer to have more stock funds in roth. Here are the bond funds from my current 401K...
by ruralavalon
Sun Jun 17, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: What next?
Replies: 7
Views: 951

Re: What next?

Thank you to all who posted responses and to those who took the time to read my question on the blogs. I am happy to say I have taken your tips and taken action on them. I set up a SEP-IRA account on Vanguard today and will be using VTSAX or VASGX as my investment vehicle. I have also considered fi...
by ruralavalon
Sat Jun 16, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 36
Views: 3804

Re: I feel like selling my 3 fund

You listed VBLTX as one of your holdings. That fund is Vanguard Long-Term Bond Index Fund. Did you by chance mean instead VBTLX... I have VBTLX - Vanguard Total Bond Market Index Fund Admiral Shares I have read Dr. Bernstein's "If You Can", and I will read "The Bogleheads' Guide to Investing" next....
by ruralavalon
Sat Jun 16, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: What next?
Replies: 7
Views: 951

Re: What next?

Welcome to the forum :) . It's good to see that you are debt free, primarily (about $47k) using diversified index funds with low expense ratios, and not adding more to bullion or crytocurrencies. Hello and welcome, I am a long time follower and first time writer on this blog. My primary question to ...
by ruralavalon
Sat Jun 16, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 12
Views: 992

Re: Help with my alocations

What is your general preference, a portfolio made up only of balanced funds, or a portfolio made up of a few stock and bond funds?

What are the bond funds offered in your current 401k? Please give fund names, tickers and expense ratios.
by ruralavalon
Sat Jun 16, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 36
Views: 3804

Re: I feel like selling my 3 fund

I started investing in Feb 2017 and Im ashamed to say that Ive already been thinking recently a lot about selling and going into fixed income for a couple of years because everyone is expecting a downturn. Im thinking I can sell now and get into something more stable until we are at the bottom of a...
by ruralavalon
Sat Jun 16, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: VEVFX
Replies: 6
Views: 596

Re: VEVFX

I am considering VEVFX to add to my portfolio. I believe value will prevail over growth in the next several months. I like the blend of small and mid caps. Any opinions. In my opinion investing for the short-term is a bad idea. Why do you believe "value will prevail over growth"? Why only for "the ...
by ruralavalon
Sat Jun 16, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Should fixed income allocation necessarily change over the years?
Replies: 11
Views: 649

Re: Should fixed income allocation necessarily change over the years?

There is the hypothesis that the retirement date risk and the sequence of returns risk is better dealt with by increasing the fixed income allocation 5-10 years before retirement and maintaining the high bond allocation until 5-10 years after retirement, then increasing the stock allocation. That wa...
by ruralavalon
Fri Jun 15, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 953

Re: What to put in taxable brokerage account?

You can place an order for a transaction anytime 24/7, rather than just when an exchange is open. You don't need to use limit orders. These statements are also true for ETFs. Would it be accurate to say that it's generally advisable to use limit orders in ETF transactions? I don't use ETFs so I don...
by ruralavalon
Fri Jun 15, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer - Need 401k rollover Advice!
Replies: 2
Views: 231

Re: New Employer - Need 401k rollover Advice!

Hi all, I am starting a new job and need some advice on what to do with previous 401k balance. My new company only has 3 Vanguard funds and personally I do not believe they are as good as the previous fund options. I have listed below my IRA, old 401k, and new 401k. Do I roll into new 401k, IRA, or...
by ruralavalon
Fri Jun 15, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 953

Re: What to put in taxable brokerage account?

Welcome to the forum :) Just seeking general thoughts on what to put in taxable brokerage accounts? Does anyone favor ETFs? Mutual funds? Assuming a general Boglehead philosophy is there any advantage to ETF vs mutual fund for similar index (say Vanguard) products? In general in a taxable account us...
by ruralavalon
Fri Jun 15, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 429

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

Does the new offer a low ER international stock index fund? Is there any fund which you need/want which is not offered in your new 401k plan?

In my opinion rolling the old 401k over into your new 401k is a good idea.
by ruralavalon
Fri Jun 15, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 28
Views: 3515

Re: Help - investor starting later in life

401k (33% of total; $30k; adds $18.5k + $3k employer match = $21.5k/yr total) 00%, Vanguard Institutional 500 Index Trust - 0.016% 00%, Vanguard Institutional Total International Stock Index Trust - 0.068% 33%, Vanguard Institutional Total Bond Market Index Trust - 0.038% @ruralavalon and others- t...
by ruralavalon
Thu Jun 14, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Roth 401k Allocations
Replies: 3
Views: 173

Re: Help with Roth 401k Allocations

Welcome to the forum :) . I have a Roth 401(k) plan with my employer through Fidelity. They automatically put me in the Fidelity Freedom 2050 Fund - Class K (I'm 32). I'm new at this and have a bunch of options. Can someone please help me out here with which funds I should be in and what percentages...
by ruralavalon
Thu Jun 14, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1536

Re: Any problem opening fund "Investor", then building to "Admiral"?

If in a retirement account, you could purchase the equivalent ETF (which should have the same ER as Admiral shares) and then sell and buy into the fund once you reach 10k. Why bother. The impact of the expense ratio difference between Investor Shares and ETF shares on a $3k investment is just $3 pe...
by ruralavalon
Thu Jun 14, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 533

Re: Which bond fund in 401k?

My suggestion is Dodge & Cox Income Fund (DODIX) ER 0.44%. It is a good actively managed, intermediate-term bond fund (average effective duration = 4.2 years), with good credit quality (average credit quality = A), with a moderate expense ratio and good diversification. I don't suggest a TIPS fund ...
by ruralavalon
Thu Jun 14, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 12
Views: 992

Re: Help with my alocations

Asset allocation. I am 64 and my wife is 57. At ages 64 and 57 I suggest about 40% in bonds (fixed income). This is expected to substantially reduce portfolio volatility (risk), with only a relatively moderate decrease in portfolio return. Graph, "An Efficient Frontier: the power of diversification...
by ruralavalon
Thu Jun 14, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 533

Re: Which bond fund in 401k?

I am using most of my 401k for bond holdings. Most of my equities are in Roth and taxable. AA is 60/40 (25% international) These are my choices in my 401k: FID Managed Income Portfolio II Class 3 0.34% BLKRK HIGH YLD BD K (BRHYX) 0.55% DODGE & COX INCOME (DODIX) 0.44% FID GNMA (FGMNX) 0.45% VANG IN...
by ruralavalon
Thu Jun 14, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7388

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Thanks for replies guys and thanks for the real life example sheepdog. I actually don't have that much in index funds as i only started a few years ago, however am really feeling they are overpirced at the moment e.g one index fund I have is up around 30%+ in just 2 years, so i'm not really sure wh...
by ruralavalon
Thu Jun 14, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 33
Views: 2107

Re: Role of Annuity For Savers Who have 20+ years until Retirement

Recently, an insurance agent recommended me Athene Ascent 10 Bonus 2.0 Fixed Indexed Annuity with option 1 (https://d2zhgehghqju...63f1bcca7e8.pdf ). His selling points are 1) the average return for stock market is going to be lower (~5%) than the last 9 bull market years with high volatility 2)bon...
by ruralavalon
Wed Jun 13, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with New Retirement Plan Option
Replies: 4
Views: 463

Re: Help with New Retirement Plan Option

Welcome to the forum :) . Hi, I currently participate in employer-sponsored 403(b) + 457(b) plans and maximize contributions and associated match; my income precludes contributions directly into a personal Roth IRA. My retirement plan now offers a new option: “We are happy to announce an exciting ne...
by ruralavalon
Wed Jun 13, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Structuring 401k - MorningStar rating matters?
Replies: 15
Views: 648

Re: Structuring 401k - MorningStar rating matters?

Those are excellent funds offered in your 401k, you are fortunate. I don't use Morningstar star ratings to select funds to use. The stars are are an indication of past performance, not future performance. An index fund most commonly will have three stars, because an index fund consistently gives the...
by ruralavalon
Wed Jun 13, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1453

Re: 33yo Couple - Need Help Diversifying Assets & Investing

I think you might be right about the small company thing. I'm using their search function to find stocks available to purchase, since no one is getting back to me about a list. So far I have yet to find one that is listed I can buy that has an ER lower than 1%. If it is the case that I can't find a...
by ruralavalon
Wed Jun 13, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3060
Views: 943831

Re: What Book Are You Currently Reading? Part VI

The Indian War of 1864 , by Eugene Ware. This book was first published in 1911. The author fought in the Civil War in Missouri and Arkansas, and then was a Lieutenant with the 7th Iowa Calvary, serving on the frontier in the period September 1863 to April 1865. His company was stationed near Julesb...
by ruralavalon
Tue Jun 12, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1453

Re: 33yo Couple - Need Help Diversifying Assets & Investing

Thanks ExitStageLeft There is a good likelihood I will return to work in 5 years. And decent odds it may be at the same company. Once I get the list of my other fund options I will see what I can find that has a better expense ratio. Do you have a recommendation for what is an acceptable ratio? It ...
by ruralavalon
Tue Jun 12, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1453

Re: 33yo Couple - Need Help Diversifying Assets & Investing

MoonlightGraham wrote:
Tue Jun 12, 2018 1:47 pm
I thought I updated the OP with ticker symbols and expense ratios. Are those not what you are looking for.
I was asking for the fund names, tickers and expense ratios of all of the funds offered in each 401k, not just the funds you are currently using.
by ruralavalon
Tue Jun 12, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1453

Re: 33yo Couple - Need Help Diversifying Assets & Investing

When you add the list of funds offered in his 401k then it's possible discuss whether it's better to leave his 401k as is. (I don't like the relatively high expense ratio on LifePath 2050, LIPAX, ER 0.41%.) Also does his 401k plan allow Roth contributions? Will he be eligible for a significant pensi...
by ruralavalon
Tue Jun 12, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: 401k Options
Replies: 10
Views: 415

Re: 401k Options

In my opinion the better funds to use in your 401k include: 1) ISHARES S&P 500 INDEX K WFSPX NE=0.04% 2) FIDELITY INTERNATIONAL IND PRM FSIVX NE=0.06% (a MSCI EAFE index fund) 3) ISHARES US AGG BOND INDEX WFBIX 1 Net Expense=0.05% A MSCI EAFE index fund covers only larger companies, only in develope...
by ruralavalon
Tue Jun 12, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1453

Re: 33yo Couple - Need Help Diversifying Assets & Investing

Welcome to the forum :) . His 401K (I don't have exactly details, he is at work) 110K. I can get that tomorrow morning. I can give a breakdown of my retirement investments and find out more about the makeup of my husbands if that helps. his 401k. First of all find out and list the funds he is using ...
by ruralavalon
Tue Jun 12, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 28
Views: 3515

Re: Help - investor starting later in life

Asset allocation. Age Late-30s Household income – ~$250K Tax Bracket- Federal 33%, State 9.3% Tax Filing Status - MFJ . . . . . I have a 12-15 year horizon, after which I plan to retire. In the late 30s, and a 12-15 year horizon to retirement, I suggest about 30-40% in bonds. This is expected to su...
by ruralavalon
Tue Jun 12, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 28
Views: 3515

Re: Help - investor starting later in life

@ruralavalon the annual savings is in addition to my 401K contribution. Of course these savings could potentially come down to a third of that if I decide to stop renting and jump into home ownership. Two additional questions: 1) Should I be considering any backdoor Roths? If so how should I alloca...
by ruralavalon
Mon Jun 11, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on asset allocation and strategy
Replies: 5
Views: 412

Re: Advice on asset allocation and strategy

Welcome to the forum :) . It's good to see that you will be using low expense ratio index funds for the most s t part. It's good to you you are making maximum contributions to all of your tax-advantaged account, both 401ks and both IRAs. Your savings rate is 28%, which is excellent in my opinion. Yo...
by ruralavalon
Mon Jun 11, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k bond fund: Advise
Replies: 6
Views: 323

Re: Which 401k bond fund: Advise

Both are good intermediate-term bond funds, that makes the choice harder, which is a good problem to have. I prefer a good index fund over a good actively managed fund, so suggest using Vanguard Total Bond Market Index Fund Institutional (VBTIX).
by ruralavalon
Mon Jun 11, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options
Replies: 10
Views: 415

Re: 401k Options

Opening up new 401K through T.Rowe Price. Company will match up 3.5%. Im 29 Y.O. I have several options: 1. Open up Schwab PCRA and do 3 fund portfolio. Any downside? 2. Only low-cost index funds would be iShares US Aggregate Bond index,K and iShares S&P 500 index, K or traditional target fund 2055...
by ruralavalon
Mon Jun 11, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 28
Views: 3515

Re: Help - investor starting later in life

@ruralavalon. Here are the expense ratios. 1) Vanguard Institutional 500 Index Trust - 0.016% 2) Vanguard Institutional Total International Stock Index Trust - 0.068% 3) Vanguard Institutional Total Bond Market Index Trust - 0.038% Those are excellent funds to use in your 401k, you are fortunate to...
by ruralavalon
Mon Jun 11, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Diversification - General Advice Wanted
Replies: 38
Views: 1675

Re: Portfolio Diversification - General Advice Wanted

Thanks for adding the expense ratios :) . That does clarify things. “Right now” and “at the moment” are the keys. You should be investing for the long run, not for the short run. You should hold investments in your portfolio that create a proper diversification over the long run, not because they ha...
by ruralavalon
Sun Jun 10, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Diversification - General Advice Wanted
Replies: 38
Views: 1675

Re: Portfolio Diversification - General Advice Wanted

. . . . . By the way what are the expense ratios of the funds as offered in your 401k? You could get more specific advise if you added the information outlined in this post in this format: "Asking Portfolio Questions" . You can simply add this to your original post using the edit button (the pencil...
by ruralavalon
Sun Jun 10, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: DCA vs. Lump sum Situation
Replies: 6
Views: 472

Re: DCA vs. Lump sum Situation

We recently sold our physician private practice. My assets are now 50% cash excluding real estate investments and company stock I took as part of the deal. The other 50% is in vanguard total US and international index funds. I've read Rick Ferri's four rules of dealing with lump sums and here he wo...
by ruralavalon
Sun Jun 10, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - fidelity vs. vanguard
Replies: 20
Views: 1270

Re: Solo 401k - fidelity vs. vanguard

I am moving my solo 401k over to either fidelity or vanguard. Currently there is about 120k in an account setup thru paychex. Paychex administers the account (whatever that means) and charges $325 annually. The current funds are fidelity m shares that have ER of 1.14% to 1.29%. The positive is thei...
by ruralavalon
Sun Jun 10, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Diversification - General Advice Wanted
Replies: 38
Views: 1675

Re: Portfolio Diversification - General Advice Wanted

I feel that you are making your investments far too complicated. BlackRock LifePath funds are excellent funds. Any one of those LifePath funds is very diversified all by itself. All of the LifePath funds invest in stocks of U.S. companies of all sizes, stocks of international companies in both devel...
by ruralavalon
Sun Jun 10, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Personal Advice for Retirement by 35?
Replies: 11
Views: 1598

Re: Personal Advice for Retirement by 35?

Why do you want to stop working at age 35? If you hate your work or employer, then you could consider another line of work or a new employer. You say you have "full benefits", which I assume means employer provided health insurance. Make sure you find out how much you will have to pay for similar co...
by ruralavalon
Sun Jun 10, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation Help
Replies: 5
Views: 384

Re: 401K Allocation Help

Those international stock funds with higher expense ratios are not attractive enough to change my suggestion for her 401k.
by ruralavalon
Sat Jun 09, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: High expense ratios in Vanguard 401k
Replies: 16
Views: 1406

Re: High expense ratios in Vanguard 401k

The plan is administered by Vanguard, it is not a 3rd party account with a few Vanguard options. The statements come in the mail directly from Vanguard and I sign in to the account at https://retirementplans.vanguard.com. I have no idea if there are third party partners or resellers between my empl...
by ruralavalon
Sat Jun 09, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: International Index Fund
Replies: 5
Views: 658

Re: International Index Fund

Greetings! I am brand new to the website. Its my first post. If you had 10 K to invest in an International Index Fund. Which one would you pick? Appreciate your time. What fund firm is your account with? What type of account is this (such as IRA, 401k, taxable brokerage account)? Please simply add ...
by ruralavalon
Sat Jun 09, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1106

Re: Wanting to learn: seeking approval or criticism on my portfolio

Welcome to the forum :) . It's good to see that you are debt free, other than the mortgage note, and that you have recognized the benefits of low expense ratios. Tax Filing Status: Married Filing Jointly State of Residence: CA Age: 36 Desired Asset allocation: 100% stocks / 0% bonds (for now - possi...