Search found 14687 matches

by ruralavalon
Thu Feb 21, 2019 3:03 pm
Forum: Personal Investments
Topic: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]
Replies: 15
Views: 1500

Re: Super Lazy portfolio, just VSMGX?

phxjcc wrote:
Thu Feb 21, 2019 1:41 pm
Ok gang, tell me why not.

It is a fund of the funds that everyone here recommends.

No balancing worries, just sell when you need money.
Vanguard LifeStrategy Moderate Growth Fund (VSMGX) is an excellent all-in-one fund for a portfolio that consists of tax-advantaged accounts.
by ruralavalon
Thu Feb 21, 2019 9:48 am
Forum: Personal Investments
Topic: Need Financial advice and 401 K advice
Replies: 13
Views: 1229

Re: Need Financial advice and 401 K advice

Contributions. In my opinion your contribution rate will likely be more important than any other decision at this point. You can contribute to the IRAs for the tax year 2018 (maximum = $5.5k each) anytime before April 15, 2019. I suggest that you do that. Please see the wiki article "Backdoor Roth ...
by ruralavalon
Thu Feb 21, 2019 8:49 am
Forum: Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 28
Views: 3043

Re: Moving from EJ to Vanguard

Creditcardguy wrote:
Wed Feb 20, 2019 4:21 pm
I did it. Sorry Edward Jones' guy...
Congratulations :D
by ruralavalon
Wed Feb 20, 2019 3:44 pm
Forum: Personal Investments
Topic: Can I transfer my 401k to Vanguard while still employed with my company?
Replies: 5
Views: 776

Re: Can I transfer my 401k to Vanguard while still employed with my company?

Is it up to each employer's plan policy as whether or not you can transfer a partial amount of your 401k to another custodian? In this case, I am very dissatisfied with the plan my employer currently has. They switched over in 2019. I have had problems with the new 401k company and am not getting i...
by ruralavalon
Wed Feb 20, 2019 3:23 pm
Forum: Personal Investments
Topic: Help choosing 401k funds
Replies: 14
Views: 768

Re: Help choosing 401k funds

Her SIMPLE IRA. How and when she switches to a new provider depends on whether her SIMPLE IRA is 5304 plan or a 5305 plan. Please see the wiki article "SIMPLE IRA". It's going to be worthwhile to contribute more to her SIMPLE IRA. Contributions to a tax-deferred account will almost always better th...
by ruralavalon
Wed Feb 20, 2019 12:27 pm
Forum: Personal Investments
Topic: PIMCO Total Return Fund
Replies: 10
Views: 895

Re: PIMCO Total Return Fund

As for my John Hancock 401k cash option there is "Stable Value" but it comes with a .61 bp. The difficulty I have in balancing my AA is this account represents 1/3 of my total assets. Don't really want to 100% bonds in my ROTH just to avoid PIMCO What percentage return has been paid recently on the...
by ruralavalon
Wed Feb 20, 2019 11:54 am
Forum: Personal Investments
Topic: Portfolio for young professional
Replies: 27
Views: 2416

Re: Portfolio for young pr

I'm not counting the EF as part of my portfolio. I consider myself 100% stocks. I only see my EF as an allocation that allows me to be fully 100% in my portfolio. Please consider what I said about having a fixed income (bond) allocation to help deal with the inevitable stock market crashes which yo...
by ruralavalon
Wed Feb 20, 2019 10:48 am
Forum: Personal Investments
Topic: Help choosing 401k funds
Replies: 14
Views: 768

Re: Help choosing 401k funds

Her SIMPLE IRA. Is is disappointing to see only high expense, actively managed Fidelity Advisor funds offered on her SIMPLE IRA enrollment form, with no inexpensive Fidelity index funds. Is her SIMPLE IRA a 5304 plan or a 5305 plan? How long has she been contributing to the plan? It may be best to ...
by ruralavalon
Tue Feb 19, 2019 2:33 pm
Forum: Personal Investments
Topic: Portfolio for young professional
Replies: 27
Views: 2416

Re: Portfolio for young professional

You have an outstanding savings rate, that is more important than the fine points of asset allocation and fund selection. Age: 25 Desired Asset allocation: 100% stocks / 0% bonds Desired International allocation: 35% of stocks Before moving on, I wanted to address my choice for fully investing in st...
by ruralavalon
Tue Feb 19, 2019 1:57 pm
Forum: Personal Investments
Topic: “Won the Game” how do you know?
Replies: 96
Views: 7739

Re: “Won the Game” how do you know?

I am in mid 40s and may have won the game already assuming SS+pension+savings. Right now with 4%swr + pension and ss I can cover a nice years worth of retirement expenses. This doesn’t take into account any future savings,growth or downsizing of house. Congratulations :) :) . The problem is that I ...
by ruralavalon
Tue Feb 19, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4165
Views: 1112405

Re: What Movie Have You Recently Watched?

Agatha and the Truth of Murder, on Netflix.

This is a fictional story about Agatha Christie's unexplained disappearance for 11 days in 1928. During that time she solves a murder mystery, of course. We liked the movie.
by ruralavalon
Tue Feb 19, 2019 1:14 pm
Forum: Personal Investments
Topic: “Won the Game” how do you know?
Replies: 96
Views: 7739

Re: “Won the Game” how do you know?

It means different things to different people. To some it is having 25X expenses saved enough to sustain a (4%) withdrawal rate To some it is having 33X expenses saved enough to sustain a (3%) withdrawal rate To others it is having 50X expenses saved enough to sustain a (2%) withdrawal rate and I a...
by ruralavalon
Tue Feb 19, 2019 1:03 pm
Forum: Personal Investments
Topic: PIMCO Total Return Fund
Replies: 10
Views: 895

Re: PIMCO Total Return Fund

Thanks ruralavalon, Maybe I put to much emphasis on the er. I'm not comfortable at 75% stocks, sleep better at 60% I agree that an asset allocation of 72/25 equity/fixed income is too aggressive at age 58, and that an asset allocation of 60/40 equity/fixed income would be very reasonable for that a...
by ruralavalon
Tue Feb 19, 2019 12:41 pm
Forum: Personal Investments
Topic: Moved 401K to Vanguard, Bond Selections?
Replies: 4
Views: 225

Re: Moved 401K to Vanguard, Bond Selections?

Hello all, Retired 2 yrs ago and I'm in the process of moving employer 401K to Vanguard. I now have a clean sheet of paper opportunity to reset my bond-side selections. Age is 60 and don't need distributions until RMD. My concern naturally is interest rates. Have they normalized? I have been attach...
by ruralavalon
Tue Feb 19, 2019 12:15 pm
Forum: Personal Investments
Topic: PIMCO Total Return Fund
Replies: 10
Views: 895

Re: PIMCO Total Return Fund

My 401k plan through work is with John Hancock. The fund options are not ideal, however they do offer a S&P 500 fund with a er of just .02%. I like that and have 75% of my assets in it. As for bonds my only option is PIMCO Total Return Fund (PTRAX) with an er of .80, not so great, that funds gets t...
by ruralavalon
Tue Feb 19, 2019 12:01 pm
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 37
Views: 1551

Re: Help with 403b/457b

That's a nice employer match. You have some excellent funds offered in your 403b/457 plans, you are fortunate :) . You should contribute to those plans if that is at all practical for you. In your 403b/457 I suggest: 1) 60%, Vanguard 500 Index Fund Admiral Shares (VFIAX) ER 0.04%; 2) 20%, Vanguard ...
by ruralavalon
Tue Feb 19, 2019 11:10 am
Forum: Personal Investments
Topic: Funding retirement with a taxable account
Replies: 14
Views: 1765

Re: Funding retirement with a taxable account

I also question the conventional expectation/advice given that people will be in a lower tax bracket during retirement. I think folks would be better advised to consider how their individual situations might play out years in advance. For me personally, I don't picture my spending needs decreasing ...
by ruralavalon
Tue Feb 19, 2019 10:14 am
Forum: Personal Investments
Topic: Help choosing 401k funds
Replies: 14
Views: 768

Re: Help choosing 401k funds

In each of your four IRAs at Ally what investments do you have, CDs or something else? If in CDs, what maturities and interest rates? If savings accounts, what interest rates? Is Fidelity the custodian for her SIMPLE IRA? You can simply add this to your original post using the edit button (the penci...
by ruralavalon
Tue Feb 19, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service is Horrible
Replies: 73
Views: 6119

Re: Vanguard Customer Service is Horrible

It is odd that Vanguard funds being owned by their shareholders doesn't seem to cause management to listen. I don't know, if I was an employee of a company and the owner called, I would be all over whatever problem the owner wanted solved. My future employment would depend on it. Perhaps there is l...
by ruralavalon
Tue Feb 19, 2019 9:29 am
Forum: Personal Investments
Topic: Why international?
Replies: 144
Views: 9550

Re: Why international?

Why international stocks?

Diversification for reduced volatility.
by ruralavalon
Tue Feb 19, 2019 9:19 am
Forum: Personal Investments
Topic: Easy VG Allocation Question!
Replies: 6
Views: 363

Re: Easy VG Allocation Question!

IMO, 100% in VIIIX if you don't have a style preference (e.g., large, small, growth, value, etc). The performance difference between VIIIX and VTSAX will be minimal over time, because 80% of VTSAX is large cap. I would worry more about my overall stock/bond allocation or my US/Int'l allocation than...
by ruralavalon
Tue Feb 19, 2019 8:42 am
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 37
Views: 1551

Re: Help with 403b/457b

That's a nice employer match. You have some excellent funds offered in your 403b/457 plans, you are fortunate :) . You should contribute to those plans if that is at all practical for you. In your 403b/457 I suggest: 1) 60%, Vanguard 500 Index Fund Admiral Shares (VFIAX) ER 0.04%; 2) 20%, Vanguard D...
by ruralavalon
Mon Feb 18, 2019 10:49 am
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 125
Views: 11462

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

Historically 20-30% of stocks in international stocks would have captured almost all of the diversification benefit, so the logical allocation would be about 25% total international and 75% total U.S. Why? Specifically, why has this been true in the past and why do you think this will continue to h...
by ruralavalon
Mon Feb 18, 2019 10:25 am
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 125
Views: 11462

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

I don't have a strong opinion here, but wouldn't owning a market cap weighted global index fund mean that you win no matter who is right in this debate? ie. if the US dominates it'll become a dominant percentage of the fund, and vice versa. Diversification, and other laws on nature, only work withi...
by ruralavalon
Mon Feb 18, 2019 10:20 am
Forum: Personal Investments
Topic: Approximating total stock market in 401k
Replies: 4
Views: 450

Re: Approximating total stock market in 401k

Independent George wrote:
Sun Feb 17, 2019 11:54 pm
I personally would stick with only the S&P 500 fund just for the sake of simplicity. The difference between it and a total market fund is minimal; I don't remember the exact number, but the correlation between the two is very close to 1.
The correlation is currently 99/100.
by ruralavalon
Mon Feb 18, 2019 10:09 am
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 125
Views: 11462

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

I don't have a strong opinion here, but wouldn't owning a market cap weighted global index fund mean that you win no matter who is right in this debate? ie. if the US dominates it'll become a dominant percentage of the fund, and vice versa. Diversification, and other laws on nature, only work withi...
by ruralavalon
Mon Feb 18, 2019 9:47 am
Forum: Personal Investments
Topic: Life Advice... Employer 401K
Replies: 13
Views: 830

Re: Life Advice... Employer 401K

Hello all, Good evening. I was hoping to gain a bit of knowledge from the wonderful world of Bogleheads. :beer I have recently been employed by a company that offers a 401K Tax Deferred Savings Plan through Prudential but does not provide a company match. If I wanted to "set-it-and-forget-it", I as...
by ruralavalon
Sun Feb 17, 2019 5:01 pm
Forum: Personal Investments
Topic: Portfolio Puzzle and Optimization
Replies: 6
Views: 571

Re: Portfolio Puzzle and Optimization

Sorry for the delayed response. Portfolio percentages per account are as follows: SEP - 43% Roth - 15% Brokrage - 35% HSA - 7% Monthly Contributions: SEP - $1,100 Roth - $500 (will max out by the end of the year) Brokrage - $500 HSA - $100 (already contributed so I will max out by the end of the ye...
by ruralavalon
Sun Feb 17, 2019 1:08 pm
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 37
Views: 1551

Re: Help with 403b/457b

Thank you for your comment. Yes, my current employer's 403b plan explicitly allows Roth contributions. Here is what relevant overview info says: "A Roth 403(b) is available for after-tax contributions". I'm a bit confused by "after-tax" wording, though. Does it mean that I can contribute from autom...
by ruralavalon
Sun Feb 17, 2019 11:57 am
Forum: Personal Investments
Topic: New 401k suggestions
Replies: 18
Views: 1835

Re: New 401k suggestions

You have some great fund options offered in your 401k, you are fortunate :) . For your 401k my suggestion is: 1) 30%, BOND MARKET INDEX FUND, ER 0.03%; 2) 50%, S&P 500 EQUITY INDEX FUND, ER 0.01%; and 3) 20%, INTERNATIONAL INDEX FUND, ER 0.04%. What index is used by the international index fund? OR ...
by ruralavalon
Sun Feb 17, 2019 11:43 am
Forum: Personal Investments
Topic: money mkt vs short term bond fund?
Replies: 3
Views: 796

Re: money mkt vs short term bond fund?

Choose the fund or funds you want long-term, and buy those funds.

Don't try to time the market, it's just a guess what Federal reserve will do and when.
by ruralavalon
Sun Feb 17, 2019 11:38 am
Forum: Personal Investments
Topic: Terrible 401(k) Investment Options at Work
Replies: 4
Views: 485

Re: Terrible 401(k) Investment Options at Work

I recently joined a new company that is on the smaller side (< 200 employees and only $4M in AUM for 401-K plan). The plan is administered by Principal Financial Group and although they use non-PFG investment funds as well, the investment fees are extremely high. They range from 1% to 1.5% for bond...
by ruralavalon
Sun Feb 17, 2019 10:38 am
Forum: Personal Investments
Topic: Creating a Doable Universe for Spouse-Vanguard vs Schwab
Replies: 3
Views: 332

Re: Creating a Doable Universe for Spouse-Vanguard vs Schwab

My suggestion is to simply stay with Vanguard. I don't see any particular benefit to switching over to Schwab. In general my preference for funds and location of accounts is -- 1) Vanguard, 2) Fidelity, or 3) Schwab -- in that order of preference. Vanguard has by far the largest selection of low exp...
by ruralavalon
Sun Feb 17, 2019 8:15 am
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 37
Views: 1551

Re: Help with 403b/457b

Thank you for your comment. Yes, my current employer's 403b plan explicitly allows Roth contributions. Here is what relevant overview info says: "A Roth 403(b) is available for after-tax contributions". I'm a bit confused by "after-tax" wording, though. Does it mean that I can contribute from autom...
by ruralavalon
Sat Feb 16, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3577
Views: 1040879

Re: What Book Are You Currently Reading? Part VI

Nacho Unleashed, by Laurence Shames.

On Key West a retired mobster's tiny dog saves the day, thwarts a mad scientist and all ends happily.
by ruralavalon
Sat Feb 16, 2019 2:37 pm
Forum: Personal Investments
Topic: REIT index funds
Replies: 3
Views: 462

Re: REIT index funds

Please weigh in on REIT index funds (FSRNX, for example): do you account for them as equity or income producing in asset allocation? is one in it for the dividend, or share price? any cautions/red flags? I'm a bit overweight stocks, am looking to diversify, and am interested in alternatives to bond...
by ruralavalon
Sat Feb 16, 2019 2:10 pm
Forum: Personal Investments
Topic: Newlywed Financial Next Steps
Replies: 20
Views: 1254

Re: Newlywed Financial Next Steps

Welcome to the forum :) . Congratulations on your marriage. 1) I suggest doubling his 401k contributions to get the full employer match. 2) Pay off the $5.9k 401k loan. 3) Increase her 401k contributions to the employee maximum of $19k annually. You should both have term life insurance, and disabili...
by ruralavalon
Sat Feb 16, 2019 12:39 pm
Forum: Personal Investments
Topic: Old 401k asset rebalance suggestions
Replies: 2
Views: 123

Re: Old 401k asset rebalance suggestions

Hello all I recently received some very helpful guidance about moving to a 3 fund portfolio which I implemented this week. That has prompted me to look at my wife's old 401ks that she has had sitting in a Schwab account and a John Hancock account. Fortunately the Schwab account had similar if not t...
by ruralavalon
Sat Feb 16, 2019 9:52 am
Forum: Personal Investments
Topic: 401K vs. Roth Allocation Question
Replies: 4
Views: 300

Re: 401K vs. Roth Allocation Question

I'm about 10 years out from retirement and have 62/38 stock/bond allocation in my traditional 401K. I heard that it might be wise to have a heavier or all stock allocation in a Roth account to lessen taxes in retirement. I would like to get your thoughts if anyone else is doing this with your Roth ...
by ruralavalon
Sat Feb 16, 2019 9:32 am
Forum: Personal Investments
Topic: Fidelity vs Vanguard
Replies: 41
Views: 4315

Re: Fidelity vs Vanguard

Welcome to the forum :) . We are retired and have been Vanguard investors for many years. Recently, my husband made inquiries at Fidelity regarding his 401k (which is held by Fidelity). We received an invitation to meet an advisor and were given an aggressive sales pitch by a "financial advisor of h...
by ruralavalon
Sat Feb 16, 2019 9:08 am
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 37
Views: 1551

Re: Help with 403b/457b

Could you suggest relevant optimal setup for Fidelity (in case I decide / will be able to afford to participate in 403b/457b)? What account will be held at Fidelity? Taxable? Roth IRA? An employer plan? In which case we'd need to know the plan options. I was thinking about opening a Roth 403(b) acc...
by ruralavalon
Sat Feb 16, 2019 8:52 am
Forum: Personal Investments
Topic: VSMAX or VTMSX In Roth?
Replies: 12
Views: 1085

Re: VSMAX or VTMSX In Roth?

I went on website and it will allow me to buy the tax advantaged fund. A warning pops up saying it is not recommended but it says it is permissible to buy it I don’t know what to do. Buy VIOO or VTMSX and maybe it doesn’t matter. The expense ratio of VTMSX is less than VIOO and I prefer a mutual fu...
by ruralavalon
Sat Feb 16, 2019 8:40 am
Forum: Personal Investments
Topic: Why international?
Replies: 144
Views: 9550

Re: Why international?

just got this email from Vanguard yesterday in my inbox: https://vanguardblog.com/2019/02/14/the-case-for-global-equity-investing-and-a-happy-marriage/ persuasive argument. I'm 30% international. If I wanted to try market timing, the Vanguard article might be convincing about international outperfo...
by ruralavalon
Fri Feb 15, 2019 2:24 pm
Forum: Personal Investments
Topic: VSMAX or VTMSX In Roth?
Replies: 12
Views: 1085

Re: VSMAX or VTMSX In Roth?

Thanks for the reply I already hold the total stock market using a S&P 500, S&P 400 mid cap, and Russell 2000 small cap funds My reason for being interested in tax managed small cap is because it tracks the S&P 600 index which has average market cap that is much lower than the Russell 2000 I just w...
by ruralavalon
Fri Feb 15, 2019 12:41 pm
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 37
Views: 1551

Re: Help with 403b/457b

You have some excellent funds offered in your 403b/457 plans, you are fortunate :) . You should contribute to those plans if that is at all practical for you. In your 403b/457 I suggest: 1) 60%, Vanguard 500 Index Fund Admiral Shares (VFIAX) ER 0.04%; 2) 20%, Vanguard Developed Markets Index Fund Ad...
by ruralavalon
Fri Feb 15, 2019 12:31 pm
Forum: Personal Investments
Topic: How much should my net worth be if ...
Replies: 18
Views: 3079

Re: How much should my net worth be if ...

...Save about $1.2 million in all your buckets and have $500k in future dollars 22 years forward for your house. It is too far out to predict... Sorry, but $1.2M is nowhere near enough to target for a couple to retire on 22 years from now. It's barely enough to retire on comfortably in 2019... I wo...
by ruralavalon
Fri Feb 15, 2019 10:54 am
Forum: Personal Investments
Topic: Please help with 403b
Replies: 4
Views: 286

organ Re: Please help with 403b

Welcome to the forum :) . It's good to see that you are vigorously attacking the $200k 4.5% student debt, while making maximum contributions to your 403b and IRA. In my opinion the better funds to consider using in your 403b plan are: 1) TransAmerica Stock Index Fund R4 (a S&P 500 index fund) (TSTFX...
by ruralavalon
Fri Feb 15, 2019 9:50 am
Forum: Personal Investments
Topic: Fidelity International index options
Replies: 8
Views: 611

Re: Fidelity International index options

Hi, My wife and I want to increase our International exposure by rebalancing in our tax advantaged accounts. Currently all of our international exposure (5% of total portfolio - in VTIAX ) is held in our taxable account. Our Fidelity 403b accounts offer the best option for increasing our exposure t...
by ruralavalon
Fri Feb 15, 2019 9:37 am
Forum: Personal Investments
Topic: VSMAX or VTMSX In Roth?
Replies: 12
Views: 1085

Re: VSMAX or VTMSX In Roth?

Trying to decide between Vanguard small cap index and Vanguard tax managed small cap index for small cap sector of my portfolio I like the lower price-to-book of VTMSX but just doesn’t “feel right” holding a tax managed fund in a Roth account Does anyone else hold VTMSX in tax privileged accounts? ...
by ruralavalon
Fri Feb 15, 2019 8:43 am
Forum: Personal Investments
Topic: Why international?
Replies: 144
Views: 9550

Re: Why international?

Ok, we have established Vanguard doesn't have ulterior motives. Vanguard said International will do better than the US for the next 10 years, "over the next 10 years we expect international equity returns to outpace U.S. market returns and to reduce overall volatility when added to a U.S. equity po...