Search found 13942 matches

by ruralavalon
Tue Oct 23, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Self-employee investments
Replies: 11
Views: 718

Re: Self-employee investments

Hi everyone, We are very confused on where to begin with investments. I invest in 401k plan from my employer, my employer matches first 3% and I am investing 12% toward that which has 4% split in Roth but my husband is self-employed and we have never invested anything for him. We are not even sure ...
by ruralavalon
Tue Oct 23, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: switch bonds to money mkt?
Replies: 8
Views: 1035

Re: switch bonds to money mkt?

As I near retirement my portfolio has a sizeable bond component, largely in intermediate but some in short term bonds. I'm hesitant to start trading, I've been more of a buy-and-hold investor rather than trying to time market swings. But does it make sense to shift some or a great deal of the bonds...
by ruralavalon
Tue Oct 23, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1979
Views: 367994

Re: What are you up YTD? [Year To Date]

Age 73, retired, 50/50 asset allocation.

Total return is down 1.72% year to date.

Best fund so far is Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) total return is up 4.08% year to date.
by ruralavalon
Sun Oct 21, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3346
Views: 1005592

Re: What Book Are You Currently Reading? Part VI

The Oregon Trail, by Francis Parkman.

Parkman spent the summer of 1846 on the Plains, and recounts his travels, hunting, and life with the Ogallala Sioux, and his trip there and back.
by ruralavalon
Sun Oct 21, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401K and general asset allocation advice
Replies: 8
Views: 611

Re: 401K and general asset allocation advice

Welcome to the forum :) Its great to see that you are debt free. Hi, new user here. Did some accounting of expenses and assets today and looking for some help. Would like some advice on how to allocate assets. They've begun to get big enough to worry about and scattered enough to be confusing. Entro...
by ruralavalon
Sun Oct 21, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401 K Advice
Replies: 6
Views: 357

Re: 401 K Advice

As before I suggest using these funds in your 401k:
1) Vanguard Institutional Index I - (a S&P 500 index fund) VINIX - 0.04;
2) Vanguard Developed Markets Index Ins Pls- - VDIPX - 0.05; and
3) Vanguard Total Bond Market Index - VBTIX - 0.04.
by ruralavalon
Sun Oct 21, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4559

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

trying to pull up info on a vanguard fund on vanguards website and having problems. it keeps telling me to browse a list of funds and then when i do that and click on the fund it loops me back and tells me to browse a list of funds. anyone else? No. No. I just looked up funds on both the app and we...
by ruralavalon
Sun Oct 21, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Constructing a 100% equity diversified Factor portfolio
Replies: 14
Views: 1445

Re: Constructing a 100% equity diversified Factor portfolio

What do you think? I’m trying to be extremely aggressive Daedalu5: "Aggressive" is the industry's euphemism for "risky." I think a "100% equity diversified factor portfolio" is very unwise. Factor Investing -- What Went Wrong "By and large I do not approve of factor funds." -- Jack Bogle Best wishe...
by ruralavalon
Sun Oct 21, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Late Start Retirement Investing -- Fund Advice
Replies: 22
Views: 1428

Re: Late Start Retirement Investing -- Fund Advice

About how much (in dollars) do you feel that you may be able to contribute annually to investing (total, all accounts)? Please see the wiki article "Prioritizing investments" . I suggest stopping contributions to your taxable account, and increasing contributions to your IRA. Please consider increa...
by ruralavalon
Sat Oct 20, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Late Start Retirement Investing -- Fund Advice
Replies: 22
Views: 1428

Re: Late Start Retirement Investing -- Fund Advice

Welcome to the forum :) . Asset allocation. In the early 40's I suggest about 30% in bonds. This is expected to substantially reduce portfolio volatility (risk), with only a relatively modest decrease in portfolio return. Graph, "An Efficient Frontier: the power of diversification" . Please see the...
by ruralavalon
Sat Oct 20, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Late Start Retirement Investing -- Fund Advice
Replies: 22
Views: 1428

Re: Late Start Retirement Investing -- Fund Advice

Welcome to the forum :) . Hi All, I got a very late start to retirement investing. I am in my early 40s and only have $30K in my 401K and it is all in VOO. I know I need to diversify but keep reading articles that say now is not the time to put new money into bonds. I am finally in a position to max...
by ruralavalon
Sat Oct 20, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Why not pick Vanguard Intermediate-Term Tax Exempt Fund??
Replies: 15
Views: 2138

Re: Why not pick Vanguard Intermediate-Term Tax Exempt Fund??

I'm just saying my 401k doesn't have it as an option and my 457 only has corporate bonds now that I look. I thought it had Vanguard Total Bond but it doesn't. What bond funds are offered in each of those plans? Please give fund names, tickers and expense ratios. There may very well be a useful bond...
by ruralavalon
Sat Oct 20, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need to simplify portfolio
Replies: 6
Views: 556

Re: Need to simplify portfolio

Welcome to the forum :) .

A little more information will be helpful.

What fund firm is each IRA with?

How much (in dollars) is the employer match annually?

How much (in dollars) is the long-term incentive annually?

Will you be eligible for a significant pension?
by ruralavalon
Sat Oct 20, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for beginner...
Replies: 5
Views: 642

Re: Portfolio Advice for beginner...

Welcome to the forum :) . Age 42 is late, but not too late to make a difference with good fund choices and a reasonable plan. You have excellent funds offered in your 401k, you are fortunate. It's great to see that you are debt free, and will be making the maximum contributions to your 401k, your 45...
by ruralavalon
Sat Oct 20, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Constructing a 100% equity diversified Factor portfolio
Replies: 14
Views: 1445

Re: Constructing a 100% equity diversified Factor portfolio

That's hyper-complex, too complex in my opinion.

If a hypothesis is not testable (not falsifiable), then it is just a guess and not worth much.
by ruralavalon
Sat Oct 20, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2516

Re: Met with an FA today.

Complicated annuity.

Market timing.

Grab your wallet and run.
by ruralavalon
Fri Oct 19, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Selection Advice Needed: New job, poor choices
Replies: 7
Views: 468

Re: 401K Fund Selection Advice Needed: New job, poor choices

Thank you for the suggestions so far! Currently leaning towards PRILX. Or MEIIX. What would account for the differences in performance in the last year? Which is more stable over a 10 year horizon? Either fund would be a reasonable choice. Don't base a decision on short-term performance. Over the 2...
by ruralavalon
Fri Oct 19, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Fund Choice
Replies: 6
Views: 757

Re: Total Bond Fund Choice

Hello! I recently re-structured my Schwab Roth IRA to follow the 3 fund portfolio philosophy. I am trying to find a good total bond market fund to invest in, and Schwab's options are not as easy to decipher than others. I recognize Vanguard is a good option for most of these, but I plan to switch t...
by ruralavalon
Fri Oct 19, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Selection Advice Needed: New job, poor choices
Replies: 7
Views: 468

Re: 401K Fund Selection Advice Needed: New job, poor choices

Welcome to the forum :) . So I was spoiled by the 401k of my previous employer, and now I'm at a new employer who's 401k plan offers the following funds. Does any of them look decent enough until I can get them to improve the selections? They also do not offer any match yet (small business), but I h...
by ruralavalon
Fri Oct 19, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Fund Choice
Replies: 6
Views: 757

Re: Total Bond Fund Choice

Hello! I recently re-structured my Schwab Roth IRA to follow the 3 fund portfolio philosophy. I am trying to find a good total bond market fund to invest in, and Schwab's options are not as easy to decipher than others. I recognize Vanguard is a good option for most of these, but I plan to switch t...
by ruralavalon
Fri Oct 19, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Charles Schwab ETFs
Replies: 13
Views: 1002

Re: Vanguard vs Charles Schwab ETFs

'Much lower?' As noted, can you define what this means to you, because I'm seeing a basis point or two - not enough to worry about. (I hold investments at both Schwab and Vanguard, FWIW). +1 I don't know anyone that would consider a drop from .04 to .03 (the difference between the Vanguard and Schw...
by ruralavalon
Thu Oct 18, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: rollover or transfer from Fidelity 401k?
Replies: 13
Views: 782

Re: rollover or transfer from Fidelity 401k?

So here's some questions. I've got $176k sitting in two different 401k accounts both inside Fidelity, from former employers. Are these able to be transferred to Vanguard so all my stuff is one place? I'm trying to consolidate and streamline all my accounts as best as I can. Can this type of account...
by ruralavalon
Thu Oct 18, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund Questions
Replies: 4
Views: 539

Re: Three Fund Questions

Question #1) Should we consider anything else beyond stock and bond investments when setting up our three funds? For example, should we account for home equity as part of the bond allocation? No. Do not include home equity as part of your investment portfolio. Question #2) We have a Roth 401k, Roth...
by ruralavalon
Thu Oct 18, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: rollover or transfer from Fidelity 401k?
Replies: 13
Views: 782

Re: rollover or transfer from Fidelity 401k?

There may be some confusion in terminology here. Is this something that would be better as a solo 401k or move to a IRA (vanguard or self directed) Does your current employer offer a 401k plan? Are you self-employed? You can use an individual (solo) 401k plan only if you are self-employed. You can u...
by ruralavalon
Thu Oct 18, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover to New Employer
Replies: 7
Views: 451

Re: 401K Rollover to New Employer

Is there any advantage rolling over a previous 401K to a new employer 401K vs. rolling into an IRA. The IRA could have better choices and costs, but besides these, are there other reasons to go with the new employer? tia . It depends almost entirely on expenses and funds offered, information not pr...
by ruralavalon
Thu Oct 18, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Why dismiss sectors?
Replies: 31
Views: 1647

Re: Why dismiss sectors?

I have been reading this forum for quite some time, paying attention to people's views on asset allocation, investment strategies etc. It seems to me that most Bogleheads dislike sectors. While I see why you should not put a big chunk of your money into a specific sector, I do not quite see why a p...
by ruralavalon
Thu Oct 18, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7460
Views: 1559490

Re: U.S. stocks in freefall

Another big drop incoming it seems! I kinda wanna take out money from my EF and buy more VTSAX today... I am a new investor (only since last October) and don't know if this is wise... Do what your IPS tells you to do. My IPS is boring. On the other hand, my crystal ball says that the near future wi...
by ruralavalon
Thu Oct 18, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, 30 yr old couple
Replies: 21
Views: 1447

Re: Portfolio Advice, 30 yr old couple

Asset allocation. Age: 30 Desired Asset allocation: 85% stocks / 15% bonds Desired International allocation: 10% of stocks In my opinion your desired asset allocation is within the range of what is reasonable. At age 30 I usually suggest around 20% in bonds. I usually suggest around 20-30% of stock...
by ruralavalon
Thu Oct 18, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, 30 yr old couple
Replies: 21
Views: 1447

Re: Portfolio Advice, 30 yr old couple

With the good funds offered in his 401k, I don't see any need to rollover his 401k into a traditional IRA.

Converting a traditional IRA to a Roth IRA will have a high tax cost, given your high tax bracket (24% federal, 5% Illinois).

Rollover your Roth IRA at USAA to a Roth IRA at Vanguard.
by ruralavalon
Thu Oct 18, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, 30 yr old couple
Replies: 21
Views: 1447

Re: Portfolio Advice, 30 yr old couple

There are some nice funds offered in the 401's, you are fortunate. Rather than start a taxable account with $7,500 I suggest using that money to pay down some of the student debt (all of the $4,800 @ 7%, and some of the $16,000 @ 5.33%). I suggest paying off all of the $16,000 @ 5 33% as a priority ...
by ruralavalon
Thu Oct 18, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5093

Re: Spoke with a CFP...underwhelming!

I have a family friend who is a CFP in the local area, and I've always been curious to talk to him, as I've only learned from reading, forums, blogs, etc. I was always eager to hear his take on where I stand, and his thoughts. I finally spoke with him yesterday afternoon, and it was a bit underwhel...
by ruralavalon
Thu Oct 18, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity ZERO funds
Replies: 3
Views: 842

Re: Fidelity ZERO funds

I think you would be better off investing in ITOT and IXUS. Those are similar but more tax efficient due to the ETF structure. + 1 Or, if you are not already wed to Fidelity, you could use Vanguard's Total Stock Market (VTSAX) and Total International (VTIAX), because they have the the tax advantage...
by ruralavalon
Thu Oct 18, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Charles Schwab ETFs
Replies: 13
Views: 1002

Re: Vanguard vs Charles Schwab ETFs

I only use ETFs in my accounts.  I have done some research, and I noticed Charles Schwab ETFs tend to have lower expense ratio for equivalent ETFs.  I currently own VTI, VXUS, VNQ and BND.  Charles Schwab have equivalent ETFs which have much lower expense ratio.  Do you think the Vanguard ETFs are ...
by ruralavalon
Wed Oct 17, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7460
Views: 1559490

Re: U.S. stocks in freefall

Mostly two or three of the same people clicking the refresh icon. :P Just wait until there is an actual freefall 8-) No kidding.... There are 7370 posts in the thread, many sarcastic digs at the "freefall" claim. SO the thread was started on 08/8/2011, when the OP posted about a 500pt drop. AFAIK, ...
by ruralavalon
Wed Oct 17, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7460
Views: 1559490

Re: U.S. stocks in freefall

Anybody notice that this thread now has over 1.5 million views? Crazy... Mostly two or three of the same people clicking the refresh icon. :P Just wait until there is an actual freefall 8-) No kidding.... There are 7370 posts in the thread, many sarcastic digs at the "freefall" claim.
by ruralavalon
Tue Oct 16, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2314

Re: International Fund Down - What to do?

I have a good amount of International Exposure in my 3 Fund Portfolio Brokerage (taxable) and notice that my International / Bond had been walloped and down 5% from when I purchased. What would be your guys suggestions moving forward and is there anything I can do? Any suggestions welcome. My weigh...
by ruralavalon
Tue Oct 16, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Complete newbie here! Would like help determining Roth vs Traditional IRA...
Replies: 11
Views: 654

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

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 of which... Roth or Traditional? I know one of the books had some rule...
by ruralavalon
Tue Oct 16, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Pay CGs now to move into Index, or hold?
Replies: 8
Views: 540

Re: Pay CGs now to move into Index, or hold?

Hello again, Ive made changes since finding BHs but still trying to figure out if its worth paying Capital gains now on taxable TRowe funds and stocks to then invest in lower cost Index funds/ETFs. At what point can todays tax bill break even with the lower cost moving forward? CGs would be in the ...
by ruralavalon
Tue Oct 16, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5463

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

A $3k initial minimum investment for almost all funds at Vanguard is a significant hurdle for the median U.S. household or individual. As noted above, the TR funds have a $1000 minimum, which is what beginners should start with anyway. Why wait till 1k? If I only have 500$ to put in my Roth IRA at ...
by ruralavalon
Tue Oct 16, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Seeking Better Simplification
Replies: 15
Views: 1496

Re: Portfolio Review - Seeking Better Simplification

Hi. Are all of the accounts at Vanguard? How much are you contributing annually to the taxable account? I suggest using Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) instead of slicing and dicing international stocks. That could replace the international stock funds in his IR...
by ruralavalon
Mon Oct 15, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: "Turn Off The Financial News"
Replies: 13
Views: 1873

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: 15
Views: 1496

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: 895

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: 439

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: 11
Views: 654

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: 1401

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: 1745

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: 216

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: 61
Views: 5463

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: 781

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...