Search found 12382 matches

by ruralavalon
Wed Feb 21, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 35
Views: 2363

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Age 45 is not to late to make a difference in retirement saving. Please do avoid the "free dinner guys" and their shoddy investments. :( *big sigh* OK, I am 45 and don't have an opportunity for a 401k and I haven't really contributed into social security. Yikes. Where did the time go??? Have you bee...
by ruralavalon
Wed Feb 21, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Employer Sponsored 401K Fund Question
Replies: 4
Views: 296

Re: Employer Sponsored 401K Fund Question

What index is used by the International Equity Index Fund, ER 0.11%?
by ruralavalon
Wed Feb 21, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: 401K S&P 500 Index vs. VTSAX
Replies: 8
Views: 729

Re: 401K S&P 500 Index vs. VTSAX

Great! Thank you all for the insight - I appreciate the clarifications. I will continue as suggested, and possibly open up a Roth IRA. Good decision. A S&P 500 index fund covers 81% of the U.S. stock market, investing in stocks of selected large-cap and mid-cap companies. Over the 25 years since th...
by ruralavalon
Wed Feb 21, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 16
Views: 1043

Re: Help choosing 401k options

What are the current sizes (in dollars) of the two accounts? Is there enough money in the Roth IRA to purchase the two funds? The initial minimum investment is $3k for each fund. 401k: 14K Roth: 3K Currently, in my Roth, I have all my money in Vanguard Target Retirement 2055 Fund. Initially, my tho...
by ruralavalon
Tue Feb 20, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 16
Views: 1043

Re: Help choosing 401k options

I am totally confused about your last two posts. You currently invest $750/month x 12 = $9,000/year in your 401k. You currently invest $220/month x 12 = $2,640/year in your Roth IRA. Total = $11,640/year. But you also say you plan to make the maximum contribution to the Roth IRA (which would be $5,...
by ruralavalon
Tue Feb 20, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 15
Views: 1585

Re: Where to put 6 months of living expenses(emergency fund) ?

Thanks all. Our mortgage will be paid off in August. I work part time and my wife is going to switch to part time soon. Once the mortgage is paid off, do you think the emergency fund of $50,000 is excessive and should be reduced? After the mortgage is paid off, then how much would be necessary to c...
by ruralavalon
Tue Feb 20, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 15
Views: 1332

Re: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)

It appears that your income (federal tax bracket 33%) is too high to receive a deduction for traditional contributions to an IRA, and too high to make regular Roth IRA contributions. Is there a High Deductible Health Plan (HDHP) offered at work so that you are eligible to use a Health Savings Accoun...
by ruralavalon
Tue Feb 20, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Help deciding on 401k options
Replies: 6
Views: 466

Re: Help deciding on 401k options

Welcome to the forum :) . Some additional information might be helpful. What is your age? What is your tax bracket, both federal and state? What is your tax filing status? Do you have any debt, if so what types, amounts and interest rates? Is this your only account? Do you have an IRA? Is there an e...
by ruralavalon
Tue Feb 20, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 15
Views: 1585

Re: Where to put 6 months of living expenses(emergency fund) ?

Vanguard Prime Money Market Fund ( currently have about 6 months of living expenses(our emergency fund, in case we lost our jobs, etc.) in the Vanguard Prime Money Market fund. Is this a good choice, or is there a better choice ? Maybe some sort of account that earns more interest for us? We also u...
by ruralavalon
Mon Feb 19, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover [after job loss]
Replies: 6
Views: 411

Re: 401K rollover [after job loss]

Thanks for the responses. We are %28 federal, and best I can tell 5.5 state. not exactly sure of her detailed investments. It's basically in asset allocation at about 75% stock and 25% bonds. We will eventually be retiring in NC if all goes as planned.I think I will call Vanguard tomorrow and see w...
by ruralavalon
Mon Feb 19, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894024

Re: What Book Are You Currently Reading? Part VI

River of Grass, by Marjory Stoneman Douglas.

This is a history of Florida and the Everglades through the creation of Everglades National Park in 1947.
by ruralavalon
Mon Feb 19, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account advice
Replies: 3
Views: 377

Re: Taxable account advice

Turn off any automatic reinvestment of dividends you may have set up in the taxable account, direct the dividends to a money market fund and periodically invest the money in Vanguard Total Stock Market ETF (VTI). If you have any stocks with capital losses in the taxable account, then sell stocks wit...
by ruralavalon
Mon Feb 19, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover [after job loss]
Replies: 6
Views: 411

Re: 401K rollover [after job loss]

Welcome to the forum :) . What is your tax bracket, both federal and state? What funds is she using in her 401k account from the former employer? Please give fund names, tickers and expense ratios. Is there an account maintenance fee charged if she leaves her 401k account there? Hello, was wanting i...
by ruralavalon
Mon Feb 19, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: 401K options, I think I can choose better funds
Replies: 16
Views: 584

Re: 401K options, Ii think I can have choose better funds

Personally I would choose FUSVX FID 500 INDEX and FSIVX FID INTL INDEX at your chosen split and contribute as much as possible while then proceeding to forget about it for a couple of decades. :D +1 Maybe 75% FUSVX and 25% FSIVX I agree with the FUSVX but why not instead of FSIVX do FSEVX. The turn...
by ruralavalon
Mon Feb 19, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: 401K options, I think I can choose better funds
Replies: 16
Views: 584

Re: 401K options, Ii think I can have choose better funds

In selecting funds to use strive for a combination of broad diversification (to decrease your risk) and low expense ratios (to increase your net return). In my opinion in your 401k the better funds to consider using include: 1) Fidelity 500 Index Fund Premium Class (FUSVX) ER 0.035% 2) Fidelity Tota...
by ruralavalon
Mon Feb 19, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor Advice
Replies: 3
Views: 456

Re: Young Investor Advice

Welcome to the forum :) . Asset allocation. At age 28 I suggest about 20% in bonds. This is expected to significantly reduce portfolio volatility (risk) with only a relatively small decrease in portfolio returns. Please see the wiki article "Asset Allocation" and the wiki article "Boglehead's Invest...
by ruralavalon
Mon Feb 19, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Time for a short term bond etf?
Replies: 8
Views: 1009

Re: Time for a short term bond etf?

Thanks to all who replied. Dbr, your words stung a bit (not your intention, I'm sure) but were the jolt I needed to re-examine my thinking. I fear I've fallen prey to media chatter and betrayed some basic Boglehead principles! Though I have been index investing with Vanguard in my IRAs for quite a ...
by ruralavalon
Sun Feb 18, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Time for a short term bond etf?
Replies: 8
Views: 1009

Re: Time for a short term bond etf?

I am a little light in the bond portion of my retirement portfolio. I need to soon put about 6k into my Vanguard SEP-IRA in any case, and am wondering whether it should be BND, VCSH, BSV or something else. The rest of my bond holdings are in total/intermediate bond funds, but are in my Roth-IRA or ...
by ruralavalon
Sun Feb 18, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 523

Re: Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloc...
by ruralavalon
Sun Feb 18, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 15
Views: 998

Re: Emerging Markets or Total International Market?

:shock: Hi. I'm 31, just started saving serious money, and recently read A Random Walk Down Wall Street, which convinced me of the wisdom of indexing rather than stock picking. I'm about to purchase my first index funds and I'm thinking a 50/50 split between a total US domestic and international mar...
by ruralavalon
Sun Feb 18, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1353

Re: Expected return of US vs International, basic question

randomizer wrote:
Sun Feb 18, 2018 12:43 pm
World market cap weight and forget about it.
Or 20-30% of stocks in international stocks, and forget about it.
by ruralavalon
Sun Feb 18, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Small/Mid cap correlation
Replies: 5
Views: 505

Re: Large/Small/Mid cap correlation

Looking at VTI vs VOO there does not seem to be a whole lot of difference during the last correction: VTI -9.83% VOO -10.08% Would there be many cases when the performance between the two would be radically different? I know VOO is large-cap only and VTI includes mid and small cap as well. In gener...
by ruralavalon
Sun Feb 18, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1353

Re: Expected return of US vs International, basic question

Opinions differ about investing in international stocks. I have read on this forum and elsewhere that international is expected to outperform the US over the next decade. If that were true, why wouldn't people sell their US stocks and buy international? Shouldn't that happen, which would increase th...
by ruralavalon
Sat Feb 17, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 16
Views: 1043

Re: Help choosing 401k options

I am totally confused about your last two posts. You currently invest $750/month x 12 = $9,000/year in your 401k. You currently invest $220/month x 12 = $2,640/year in your Roth IRA. Total = $11,640/year. But you also say you plan to make the maximum contribution to the Roth IRA (which would be $5,5...
by ruralavalon
Sat Feb 17, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting RMDs
Replies: 18
Views: 2075

Re: Reinvesting RMDs

I am thinking of having one RMD withdrawal. It will be at end of year. I will reinvest the amount. So this will be Total Stock Market (deferred) to Total Stock Market (taxable). Questions - 1. Should I time this to happen just after the December distribution for the purchase in the taxable account ...
by ruralavalon
Sat Feb 17, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, New Accounts/Transfers, New Allocations
Replies: 2
Views: 240

Re: New Job, New Accounts/Transfers, New Allocations

Since the funds in the 401k have no tickers they are not mutual funds, they will be Commingled Investment Trusts (CITs), Investment Pools or Separate Accounts. In the 401k materials or on the 401k website there will be a Fact Sheet for each fund, just 1 or 2 pages describing its investment strategy,...
by ruralavalon
Sat Feb 17, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Are we TOO diversified? Time to hire a professional? Who has?
Replies: 14
Views: 1835

Re: Are we TOO diversified? Time to hire a professional? Who has?

I suggest consolidating accounts at Fidelity. Even though I am a huge Vanguard fan, because the 401k's are at Fidelity to simplify I suggest moving the Roth IRAs and rollover IRAs to Fidelity. Having fewer custodians will make it easier to manage your investments. This will also reduce the number of...
by ruralavalon
Sat Feb 17, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 867

Re: Investment strategy... have an extra 1000 a month to spend

Without boring everyone we have an extra 1k-2k a month that I would like to start investing with. I would like this to be somewhat liquid as I am a commissioned based employee. I have been thinking about the dollar cost averaging thing in either index funds or buying a few solid individual stocks e...
by ruralavalon
Fri Feb 16, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894024

Re: What Book Are You Currently Reading? Part VI

Gumbo Limbo, by Tom Corcoran.

On Key West a part time police photographer sorts out multiple murders, break ins, and an old friend's ed entanglement with serious criminals.
by ruralavalon
Fri Feb 16, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 127
Views: 8822

Re: Torn between Vanguard, Fidelity and Schwab

What am I missing? Please tell me the rate on Schwab money market? I suspect it is very low so they can peddle ultralow index funds. I know for a fact that Vanguard pays about 30 basis points more on its federal money market, short term muni fund and intermediate term muni than similar Fidelity pro...
by ruralavalon
Fri Feb 16, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 15
Views: 1332

Re: Just finished reading "Bogelheads Guide To Investing" and ready to start asking 101 level questions :)

Welcome to the forum :) . That was a very good choice in reading materials to start you off. In my opinion you are asking the right questions, which is more than half the battle. Asset allocation. First decide on an asset allocation. At age 31 I suggest about 20% in bonds. This is expected to signif...
by ruralavalon
Fri Feb 16, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 16
Views: 1043

Re: Help choosing 401k options

I appreciate your thorough response. This is what I understand: 401K: 20% bonds, 20% international stocks, 60 domestic stocks Roth 401K: Invest all money in total market international stock index funds for diversification. Do you have a Roth IRA? Or are you making Roth contributions to your 401k? T...
by ruralavalon
Fri Feb 16, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262530

Re: U.S. stocks in freefall

Cheers to those who held... shots for those that bought more! What about those of us who wanted to buy more, but hadn't kept any dry powder aside to do so. :) Those are the smart ones, who stay fully invested and do not time the market. Cheers for anyone who held steady and didn't sell. Cheers for ...
by ruralavalon
Fri Feb 16, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: 2 year portfolio check
Replies: 11
Views: 778

Re: 2 year portfolio check

Depending on what funds are offered in the investor's 401k, the three funds in a three-fund portfolio are usually: 1) Vanguard Total Stock Market Index Fund (or Vanguard 500 Index Fund) for U.S. stocks; 2) Vanguard Total International Stock Index Fund (or similar broadly diversified, low expense rat...
by ruralavalon
Fri Feb 16, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Starting a new account
Replies: 6
Views: 495

Re: Starting a new account

Welcome to the forum :) . Some additional information would be helpful. Do you currently have any investing or retirement accounts, or is this your first account? What is your age? What is the general purpose for this account? Are you employed, and have earned income? About how much? You can simply ...
by ruralavalon
Fri Feb 16, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Just wondering if you do this...
Replies: 10
Views: 1680

Re: Just wondering if you do this...

Hi all, Just wondering if anyone invests in anything other than for retirement - things like dividend stocks, real estate or REITs (not homeownership), crowdfunding, peer-to-peer lending, tax liens, etc. If anyone does make any kinds of investments like these, what purposes do they serve? Supplemen...
by ruralavalon
Fri Feb 16, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: 2 year portfolio check
Replies: 11
Views: 778

Re: 2 year portfolio check

Please add the fund and ETF names, so members who want to respond don't have to look up what you are referring to. Please state the percentage of the total portfolio in each account. Please just add this to your original post using the edit button (the pencil icon near the top the right of your pos...
by ruralavalon
Fri Feb 16, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Should I make a move?
Replies: 4
Views: 466

Re: Should I make a move?

I have been saving up to start a simple Vanguard all-in-one "life strategy" fund to begin to dip my toes in the investing world outside of my 401k/Roth to *hopefully* get a better ROI than my savings account with my bank. I was going to take 4000 dollars (and additional ~400 dollars a month) and in...
by ruralavalon
Fri Feb 16, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: 2 year portfolio check
Replies: 11
Views: 778

Re: 2 year portfolio check

Please add the fund and ETF names, so members who want to respond don't have to look up what you are referring to. Please state the percentage of the total portfolio in each account. Please just add this to your original post using the edit button (the pencil icon near the top the right of your post...
by ruralavalon
Thu Feb 15, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why not just do CDs and skip bonds?
Replies: 37
Views: 6949

Re: Why not just do CDs and skip bonds?

Perhaps I’m missing something, but with CD’s being insured up to $250K and having rates comparable or in excess of most or many more highly rated bonds, why not just predominantly rely on CD’s for fixed income and largely skip bonds? (I do recognize the holding requirement for CD’s and some tax ben...
by ruralavalon
Thu Feb 15, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 19
Views: 771

Re: American Funds 401k Advise

Is your employer’s plan a 401k or a SIMPLE IRA? If it’s a SIMPLE, look at your paperwork and see if it’s a Form 5304 or a 5305. If it’s a SIMPLE, have you contributed to it for 2 years? If you answer as to what type of SIMPLE, you may get a potentially valuable suggestion here! Kickstart please let...
by ruralavalon
Thu Feb 15, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262530

Re: U.S. stocks in freefall

RRAAYY3 wrote:
Wed Feb 14, 2018 4:34 pm
livesoft wrote:
Wed Feb 14, 2018 4:30 pm
And how about bond funds? What are they up YTD? :twisted:
Not sure - pretty much down over the last 5 years
We use Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX), total return over the last 5 years has been up 1.81% annualized.
by ruralavalon
Thu Feb 15, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262530

Re: U.S. stocks in freefall

Earl Lemongrab wrote:
Wed Feb 14, 2018 6:53 pm
Apparently my bold move in VOO (five whole shares) has arrested the slide. Who knows if I will get a chance to brazenly TLH that for IVV?
Earl saves us all :D .

Thank you for arresting the market collapse, and turning everything around.
by ruralavalon
Thu Feb 15, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 16
Views: 1043

Re: Help choosing 401k options

Thanks for the warm welcome. :) I was initially debating the same allocation for bonds (20%) but figured I had time to recover from bad markets. I'll take your advice on this. Do you have any accounts in addition to your current 401k and a Roth IRA? Savings account: 7K yielding 1.25% (emergency mon...
by ruralavalon
Wed Feb 14, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Newbie / Vanguard initial investment
Replies: 7
Views: 580

Re: Newbie / Vanguard initial investment

Welcome to the forum :) . Hello. Aside from 529 plans for my kids, I have never invested in anything, but I recently received a large sum of money that I’d like to invest conservatively. I am thinking myself in circles and would appreciate any advice. Emergency funds: 7 months of savings Debt: No de...
by ruralavalon
Wed Feb 14, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 16
Views: 1043

Re: Help choosing 401k options

Welcome to the forum :) . You have some excellent funds offered in your 401k, you are fortunate. In my opinion you have chosen the right funds to use in your 401k. At age 26 I suggest a little higher bond allocation, like this: 60% Vanguard Institutional Index Fund (VINIX) ER 0.04%; 20%, Vanguard De...
by ruralavalon
Wed Feb 14, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Pay tuition cash or use student loans and invest instead or both
Replies: 12
Views: 727

Re: Pay tuition cash or use student loans and invest instead or both

Hi All, I am a working doctoral student. I’ve decided to pay for my PhD in cash. About $500 a month. The program is 4-5 years. A total of about 30K My question is - should I accept a loan for the full cost of tuition and put it in an established index fund, or another fund, and continue to make pay...
by ruralavalon
Wed Feb 14, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...
Replies: 74
Views: 3060

Re: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...

Yes keep that $20k invested and growing until retirement. What funds is your $20k currently invested in? What other funds are offered in your 401k? Please give fund names, tickers and expense ratios. I have currently (using Fidelity's Brokerage Link) $10k in FSELX(FIDELITY SELECT SEMICONDUCTORS POR...
by ruralavalon
Tue Feb 13, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...
Replies: 74
Views: 3060

Re: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...

Yes keep that $20k invested and growing until retirement. What funds is your $20k currently invested in? What other funds are offered in your 401k? Please give fund names, tickers and expense ratios. I have currently (using Fidelity's Brokerage Link) $10k in FSELX(FIDELITY SELECT SEMICONDUCTORS POR...