Search found 11670 matches

by ruralavalon
Wed Nov 22, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Are you your own worse enemy when it comes to investing?
Replies: 33
Views: 1987

Re: Are you your own worse enemy when it comes to investing?

Reading through all the various threads on the market is about to crash, liability matching won't work or a comet will hit the earth the day after you retire so quit now, has made me begin to wonder. Are most of the problems we face as investors real or fabrications we create to justify the way we ...
by ruralavalon
Wed Nov 22, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: How do you define success in your life?
Replies: 31
Views: 845

Re: How do you define success in your life?

I was wondering how you all define success in your lives? I realize it's different for everyone and my success has nothing to do with other people's success. I think the feedback could help me and others as we navigate the various obstacles in life. Happy marriage of 49 years, four nice children, a...
by ruralavalon
Wed Nov 22, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Is The Vanguard Balanced Index Fund All One Needs?
Replies: 51
Views: 10776

Re: Is The Vanguard Balanced Index Fund All One Needs?

58yo and combining 2 prev employer's plan, both tax deferred into 1 IRA with Vanguard. 200k total. Thinking of 50% VBIAX 60/40 and 50% VWIAX 40/60. Would that be considered good diversification? That is diversified if you don't want any allocation to international stocks. In general I favor includi...
by ruralavalon
Wed Nov 22, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance new 401k plan and IRA
Replies: 3
Views: 198

Re: Rebalance new 401k plan and IRA

Asset allocation. Age: 35 Desired Asset allocation: 90% stocks and 10% bonds ( I know this is aggressive but I am willing to take the risk and stay the course) Desired International allocation: 30% Current Allocation : 73.5% stocks,Cash -11.5% - Bonds 15% At age35 I suggest about 20 - 25% in bonds....
by ruralavalon
Wed Nov 22, 2017 6:49 am
Forum: Investing - Help with Personal Investments
Topic: retirement portfolio
Replies: 6
Views: 500

Re: retirement portfolio

Welcome to the forum :) . I am 68 and about to retire (this summer). I have my current funds with a financial advisor who is charging me .75 of a point, which is below the average. However, I am thinking of transferring all my funds to Vanguard. My goal is to maintain my principal and live off of in...
by ruralavalon
Wed Nov 22, 2017 5:57 am
Forum: Investing - Help with Personal Investments
Topic: First time investor looking to jump in market but apprehensive with record highs
Replies: 17
Views: 1488

Re: First time investor looking to jump in market but apprehensive with record highs

Welcome to the forum :) . Hi all, I am a new Boglehead. I was tempted to work with a financial planner, but read repeatedly that it would make more financial sense to go at it alone with the infinite wisdom of friends and this board. My wife and I bought our "forever home" and want to enter the mark...
by ruralavalon
Tue Nov 21, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 18
Views: 1027

Re: 401(k) allocation for wife- Please help

Thank you SO much for taking the time to put all of this together for me. I am definitely going to take this advice. One question that I had right off the bat was regarding my 7.5% fixed rate plan. I see that you marked this as 0% of my portfolio. Are you suggesting I should possibly hold off on th...
by ruralavalon
Tue Nov 21, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 18
Views: 1027

Re: 401(k) allocation for wife- Please help

Account funding priority. Do you have any debt? If so what types, amounts and interest rates? Car loan 1: 9K at 1.99%, Car loan 2: $5K at 3.28%, Student Loan: $1,200 at 3.4% . . . . . We can probably afford to put in a total of $15K among ALL of our different accounts yearly. Here is a general acco...
by ruralavalon
Tue Nov 21, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 18
Views: 1027

Re: 401(k) allocation for wife- Please help

How much is the current balance in your 7.5% fixed plan at work? Is that called a Cash Balance Pension Plan?

How much (in dollars) is the maximum annual employer contribution in her 401k?

With that information, I should be able to suggest a portfolio idea this afernoon for your consideration.
by ruralavalon
Tue Nov 21, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 401k Options
Replies: 4
Views: 220

Re: Thoughts on 401k Options

Welcome to the forum :) . Be sure to make significant contributions to your accounts. For a beginner maintaining a high contribution rate is probably more important that the fine points of asset allocation or the exact funds used. Make sure that you contribute at least enough to your 401k to get the...
by ruralavalon
Tue Nov 21, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 18
Views: 1027

Re: 401(k) allocation for wife- Please help

Can someone please help with my post above? My wife want to make a decision tomorrow on the funds she should select for her 401k. It would also be much appreciated if I can get some advice on how I should invest with the other accounts i mentioned. Thanks so much for all of your help! You haven't a...
by ruralavalon
Tue Nov 21, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Reducing Costs with 401k with Fidelity
Replies: 10
Views: 922

Re: Reducing Costs with 401k with Fidelity

Thanks for responding ruralavalon. I updated the original post with my age (31) and more information about the commingled target index fund. I also added my desired asset allocation. As far as the fact sheet...I am not finding a whole lot on the fidelity portal? Were you referring to what I posted ...
by ruralavalon
Tue Nov 21, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: what should I change??
Replies: 12
Views: 949

Re: what should I change??

Need advice on whether I should change anything with my personal finance situation: We are a family of 3 (mid 30’s with a 3 year old). Combined earnings $400k a year Save $60k in 401k and Roth and $40k in espp House is $700k and own 25% ~ $600k in retirement accounts ~ $100k in savings account ~ $2...
by ruralavalon
Tue Nov 21, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Complete the Bogleheads Transition
Replies: 13
Views: 1397

Re: Help Me Compete the Bogleheads Transition

Whatt fund firm (s) are the taxable account and Roth IRA located with? What percentage of the total portfolio is in each of the ETFs in the taxable account? What percentage of the total portfolio is in each of the ETFs in the Roth IRA account? Please use this format: Taxable account @ ???? (51% of t...
by ruralavalon
Mon Nov 20, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 18
Views: 1027

Re: 401(k) allocation for wife- Please help

I have edited my post with all of the questions asked. I apologize if I am doing this incorrectly by adding another post. That's not a problem. How much is in your 457? How much will you contribute annually to your 457 account? Is here an employer match, and if so how much? Is your employer a gover...
by ruralavalon
Mon Nov 20, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Tax Efficiency
Replies: 11
Views: 1090

Re: Portfolio Opinions and Tax Efficiency

“A good location for the bond allocation is a tax-advantaged account, preferably a tax-deferred account such as your TSP account. "Tax-efficient fund placement". You could use either the F Fund, or the G Fund, or both for the bond allocation.” “Put the bond allocation in the TSP not in the Roth. Fi...
by ruralavalon
Mon Nov 20, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Reducing Costs with 401k with Fidelity
Replies: 10
Views: 922

Re: Reducing Costs with 401k with Fidelity

Welcome to the forum :) . It's good to see that you making the maximum employee contribution, $18k per year, to your 401k. Long time reader and first time poster. I am hoping someone can provide some advice relative to my 401K. I am currently invested in the FID FREEDOM 2050 K (FNSBX). ER .64%. Acco...
by ruralavalon
Mon Nov 20, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: what should I change??
Replies: 12
Views: 949

Re: what should I change??

Welcome to the forum :) Your 25% savings rate is very good. Keep it up. I think $8k per year or even more in vacations is fine, don't forget to enjoy life. Need advice on whether I should change anything with my personal finance situation: We are a family of 3 (mid 30’s with a 3 year old). Combined ...
by ruralavalon
Mon Nov 20, 2017 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my asset allocation?
Replies: 24
Views: 1482

Re: Thoughts on my asset allocation?

Hi guys, my asset allocation is as follows: 15% Total US bonds. Vanguard Total Bond Market (BND) 35% Total US stocks. Vanguard Total Stock (VTI) 25% US small value. Vanguard Small-cap Value (VBR) 25% Emerging market. Vanguard Emerging Market (VWO) I'm in my mid-twenties with barely any asset at thi...
by ruralavalon
Mon Nov 20, 2017 6:05 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 18
Views: 1027

Re: 401(k) allocation for wife- Please help

Hello Everyone, My wife got a new job and now has the opportunity to contribute to her 401k. She is 29 years old and we need help with how we should allocate her funds. She will be contributing 5%, as this is up to the employer's match. Please see the available funds below. We will also be maxing o...
by ruralavalon
Sun Nov 19, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard for Rollover IRA
Replies: 6
Views: 571

Re: Fidelity vs Vanguard for Rollover IRA

I am at Vanguard now, considering a single fund strategy in a few years, thinking about either Vanguard LifeStrategy Moderate Growth (VSMGX) ER 0.14% or Vanguard Balanced Index Fund (VBIAX) ER 0.07%.
by ruralavalon
Sun Nov 19, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments
Replies: 12
Views: 664

Re: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments

I agree with Duckie , put the extra cash toward paying off the debt, don't try to do a backdoor Roth IRA, and once the accounts are at Vanguard consider either a three-fund type portfolio or use a balanced fund like a LifeStrategy fund. At age 35 I suggest about 20-25% in bonds. I suggest in the ra...
by ruralavalon
Sun Nov 19, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund choices, please
Replies: 12
Views: 632

Re: Help with 401K fund choices, please

Contributions. I recommend that you increase your contributions to as high a level as you can comfortably sustain. That's the solution to a late start. A high level of contributions for a late starter is probably as important than the fine points of asset allocation or which particular funds you el...
by ruralavalon
Sun Nov 19, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Complete the Bogleheads Transition
Replies: 13
Views: 1397

Re: Help Me Compete the Bogleheads Transition

Accounts? It's hard for me to think about these questions in the abstract. Would you tell us the relative sizes of the accounts? Like this: Taxable account, aa% 401k, bb% Roth IRA, cc% HSA, dd% Total = 100% Also what contributions will be made to each account? Asset allocation. 1. I’m 34 years old ...
by ruralavalon
Sun Nov 19, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio / Gathering collective wisdom
Replies: 7
Views: 562

Re: Help with portfolio / Gathering collective wisdom

@ruralavalon: . . . . Sorry, a bit confused about your question regarding the disability insurance. What do you mean by how long the retention is on my policy? I have an individual disability policy. Sorry, I used the wrong terminology. I think the correct term is "elimination period". How many mon...
by ruralavalon
Sun Nov 19, 2017 6:40 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 133
Views: 9632

Re: Is holding bonds now dangerous?

David Jay wrote:
Sat Nov 18, 2017 6:22 pm
A quick reminder for everyone who is talking about "danger", the worst year ever for Vanguard Total Bond was -2.66% in 1994.
Most sane point so far.
by ruralavalon
Sat Nov 18, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 4705

Re: Windfall and advice

There's nothing wrong with having an advisor with a low expense indexing philosophy to get you started and help you set up a plan, and then beginning to manage the portfolio yourself. Well, if said advisor puts you in funds that require an advisor, such as DFA, hard to get away from said advisor wi...
by ruralavalon
Sat Nov 18, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Am I loopy for thinking about doing this? [Change stock allocation]
Replies: 10
Views: 1398

Re: Am I loopy for thinking about doing this? [Change stock allocation]

Long time lurker who needs some BH insight. I'm 57 and may retire in around 6 or 7 years. I have approx. 650K saved in tax deferred accounts as follows: Total Bond Undex: 250K Total Stock Market Index: 135K Total International Index: 130K S&P Index: 135K I contribute 42K - 55K per year to these acc...
by ruralavalon
Sat Nov 18, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 133
Views: 9632

Re: Is holding bonds now dangerous?

We hold Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX) and are not concerned. Our asset allocation is 50% bonds.
by ruralavalon
Sat Nov 18, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Current precarious equity environment for a retiree
Replies: 43
Views: 3164

Re: Current precarious equity environment for a retiree

I know it's taboo to talk about market timing here, but I am worried about the current market situation. Please note that this pertains only to a retirement situation, not an accumulation one. My concern is [emphasis added] that the current environment is one of high valuations with those valuation...
by ruralavalon
Sat Nov 18, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Current precarious equity environment for a retiree
Replies: 43
Views: 3164

Re: Current precarious equity environment for a retiree

I know it's taboo to talk about market timing here, but I am worried about the current market situation. Please note that this pertains only to a retirement situation, not an accumulation one. My concern is that the current environment is one of high valuations with those valuations seemingly propp...
by ruralavalon
Sat Nov 18, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: portfolio review
Replies: 4
Views: 449

Re: portfolio review

Asset allocation. Age: 45 (Wife 45) Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 10% of stocks At age 45 a 60/40 stock/bond allocation is within the range of what is reasonable in my opinion. I suggest around 20 - 30% of stocks in international stocks. Vanguard...
by ruralavalon
Sat Nov 18, 2017 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio / Gathering collective wisdom
Replies: 7
Views: 562

Re: Help with portfolio / Gathering collective wisdom

Welcome to the forum :) . Congratulations on zeroing out the debt. Age: 32 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 45% of stocks? At age 32 I suggest about 20 - 25% in bonds. This is expected to substantially reduce volatility (risk), with only a relatively...
by ruralavalon
Sat Nov 18, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k fund allocation
Replies: 7
Views: 564

Re: 401k fund allocation

Welcome to the forum :) . In your current 401k you could consider these funds: 1) iShares S&P 500 Index Fund Institutional (BSPIX) ER 0.11% 2) iShares MSCI EAFE International Institutional (MAIIX) ER 0.15% (larger companies, developed markets) 3) Voya Intermediate Bond Fund Class I (IICIX) ER 0.33% ...
by ruralavalon
Fri Nov 17, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund choices, please
Replies: 12
Views: 632

Re: Help with 401K fund choices, please

In your 401k I suggest simply: 50%, Russell Large Cap Index, ER 0.38% 20%, Dodge & Cox International Stock (DODFX) ER 0.64% 30%, Voya Intermediate Bond, ER 0.54% What is the index used by the Russell Large Cap Index Fund? If you are contributing enough to get the full employer match each year, then ...
by ruralavalon
Fri Nov 17, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing ideas
Replies: 1
Views: 215

Re: Investing ideas

Trying to get some investing ideas for my mom. A place she worked at for a short time offered her $78/month or 9,900 lump sum. Currently drawing SS/disability. Not sure if she can open ira. Age 58 no investing experience Thanks She can not contribute to an IRA unless she has earned income from empl...
by ruralavalon
Fri Nov 17, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 32
Views: 3274

Re: Spending Taxable to Zero during Retirement

Retired 2 years ago at age 58. So far it has been great. I am burning down my taxable brokerage account first. The funds are being used for expenses plus income tax on Roth conversions between now and age 70 when I will take SS. I know the general guideline is to burn down your taxable first and th...
by ruralavalon
Fri Nov 17, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1565

Re: Portfolio allocation/location

I would not be concerned about the less frequent and lower reporting requirements for trusts. You will probably get a quarterly report on each trust. You had not previously indicated that the Vanguard Institutional Total Bond Market Index Trust was available. I would prefer to include that as one o...
by ruralavalon
Fri Nov 17, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1565

Re: Portfolio allocation/location

I would not be concerned about the less frequent and lower reporting requirements for trusts. You will probably get a quarterly report on each trust. You had not previously indicated that the Vanguard Institutional Total Bond Market Index Trust was available. I would prefer to include that as one of...
by ruralavalon
Fri Nov 17, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1565

Re: Portfolio allocation/location

. . . . . Hello Ruralavalon: I'd like to execute the example portfolio you shared: Joint Taxable account @ Vanguard (33% of total; $100k; adds $????/yr) 23%, Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% 10%, Vanguard Total International Stock Index Fund Admiral Shares (VTI...
by ruralavalon
Fri Nov 17, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments
Replies: 12
Views: 664

Re: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments

I agree with Duckie , put the extra cash toward paying off the debt, don't try to do a backdoor Roth IRA, and once the accounts are at Vanguard consider either a three-fund type portfolio or use a balanced fund like a LifeStrategy fund. At age 35 I suggest about 20-25% in bonds. I suggest in the ran...
by ruralavalon
Fri Nov 17, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1565

Re: Portfolio allocation/location

. . . . . Hello Ruralavalon: I'd like to execute the example portfolio you shared: Joint Taxable account @ Vanguard (33% of total; $100k; adds $????/yr) 23%, Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% 10%, Vanguard Total International Stock Index Fund Admiral Shares (VTI...
by ruralavalon
Fri Nov 17, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102189

Re: U.S. stocks in freefall

On a 50/50 asset allocation our total return year to date is up 9.44%, about three times our rate of withdrawal :) .

I sure hope that the "freefall" continues at this rate.
by ruralavalon
Fri Nov 17, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Tax Efficiency
Replies: 11
Views: 1090

VXUS. Re: Portfolio Opinions and Tax Efficiency

Asset alloocation. I try to abide by the following percentages (which I change a little now and then) simply by investing new amounts into areas that are low. 45% - Total Stock Market (VTSAX, TSP C fund) 22.5% - International (VTIAX, VTRIX, TSP I fund) 10% - Small Cap Value (VSIAX, TSP S fund) 10% ...
by ruralavalon
Thu Nov 16, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 586

Re: Critique my beginner IRA portfolio

Asset allocation. Just opened an iRA this year. 29yo, married filing jointly, 155k household income, only husband has 401k, no major debt, ~30k in savings, no other investments but planning to invest outside of IRA as soon as I sort out our IRAs. Sizes of our IRA & 401k are very small since we only...
by ruralavalon
Thu Nov 16, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab charging $76 for VG funds
Replies: 31
Views: 3660

Re: Schwab charging $76 for VG funds

I have a very BH portfolio, but have been at Schwab since my start...I use VG funds for all but total stock market (with a few other minor exceptions). The issue is that every time I rebalance - once a year or with a major windfall -- Schwab charges me $76 every time I buy a VG fund. When you do th...
by ruralavalon
Thu Nov 16, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 586

Re: Critique my beginner IRA portfolio

In the IRAs Fidelity Treasury Bond Index Fund (FIBIX) is a good choice. You both could instead consider Fidelity U.S. Bond Index Fund (FSITX) which is more diversified including corporate bonds. . . . . . It's often better to treat all accounts together as a single unified portfolio, instead of tryi...
by ruralavalon
Thu Nov 16, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 586

Re: Critique my beginner IRA portfolio

Just opened an iRA this year. 29yo, married filing jointly, 155k household income, only husband has 401k, no major debt, ~30k in savings, no other investments but planning to invest outside of IRA as soon as I sort out our IRAs. We have Fidelity for everything. Husband's 401k is put into TRRNX, rec...
by ruralavalon
Thu Nov 16, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1140

Re: Managing 401k after Job Change

Remember that rolling the old 401k over also gets you a more less expensive international stock funds in the current 401k. On the international stock index funds, it's 0.571% vs 0.08%, a difference of 0.491% in expense ratios, better in the current 401k. On the international value stock funds it's ...
by ruralavalon
Thu Nov 16, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 26
Views: 1565

Re: Portfolio allocation/location

If we don't invest any portion of the 100K cash and instead use it to pay down our principal on the mortgage, then could we continue just having the Vanguard Wellington Fund Admir Shares (VWENX) as our only fund in each of our tax advantaged accounts (both Roths and 1 401K)? Yes. Vanguard Wellingto...