Search found 13169 matches

by ruralavalon
Sun Jun 24, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 518
Views: 31878

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I agree with everyone who said diversification is best. It's interesting how this gets so heated but the "should I invest in international?" doesn't get nearly as heated. Everyone is okay with everyone making their own choices there, just not on pre-tax versus Roth I guess. . . . . . I agree, it is...
by ruralavalon
Sun Jun 24, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 34
Views: 4409

Re: Help - investor starting later in life

As Dave Ramsey said, and I agree, the #1 determining factor to building wealth is Saving Rate. You have not been saving enough to allow you to retire in 12-15 years. Two things you have to do to address that: 1. Save significantly more 2. Spend less, live below your means All the SWR, AA, funds to ...
by ruralavalon
Sat Jun 23, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: What am I overlooking?
Replies: 16
Views: 1279

Re: What am I overlooking?

Sorry, I just can't get past having only $10k in an emergency fund. $100k would be fine. Lose your job and you barely cover a month +1 "just can't get past"? We have no idea what shouldIbeworried's basic living expenses are per month, so $10k might cover a couple of months. An emergency fund is for...
by ruralavalon
Sat Jun 23, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with existing 401k Choices
Replies: 10
Views: 988

Re: Help with existing 401k Choices

Welcome to the forum :) . Congratulations on your engagement and upcoming wedding. Hi Everyone! Very new to the site and just starting diving into this completely foreign world to me, I'm excited to understand more in time though! Been with this company for about 3 years now and was wanting to doubl...
by ruralavalon
Sat Jun 23, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: What am I overlooking?
Replies: 16
Views: 1279

Re: What am I overlooking?

Sorry, I just can't get past having only $10k in an emergency fund. $100k would be fine. Lose your job and you barely cover a month +1 "just can't get past"? We have no idea what shouldIbeworried's basic living expenses are per month, so $10k might cover a couple of months. An emergency fund is for...
by ruralavalon
Sat Jun 23, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 518
Views: 31878

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

If traditional is better then why do bogleheads and FA recommended maxing roth first and then 401k if no company match exists? That is not the recommendation, to max a Roth IRA as a priority over maxing the employee contribtuion to traditional 401k. The recommended prioity on the Boglehead's wiki i...
by ruralavalon
Sat Jun 23, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 34
Views: 4409

Re: Help - investor starting later in life

ge Late-30s Household income – ~$250K Tax Bracket- Federal 33%, State 9.3% Tax Filing Status - MFJ . . . . . It would be great if the forum with help with the following questions. 1. Does the above allocation make sense for a 3-5 year term ? I am torn between digging roots and saving for a down pay...
by ruralavalon
Sat Jun 23, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: What am I overlooking?
Replies: 16
Views: 1279

Re: What am I overlooking?

Welcome to the forum :) . Hi, I am new to forum. I am single, late fifties, two kids (jr in college, jr in high school). I have a defined benefit pension that will yield 65k in about five years, and about 350k in equity in my home. I live in a very stable real estate market, but property taxes conti...
by ruralavalon
Fri Jun 22, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 16
Views: 1411

Re: Help with my allocations

I am working on changing the allocations based on your inputs. Thanks. You also suggested to make some additional funds like VBIAX in my 401K and others in Roth. I.t may be a couple of years before i leave workforce full time. I was wondering if we just contribute maximum in our 401K plans in to ge...
by ruralavalon
Thu Jun 21, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 403b provider switching - higher fees - how often can you rollover?
Replies: 8
Views: 472

Re: Wife's 403b provider switching - higher fees - how often can you rollover?

Thanks folks, I couldn't find the IRS rule on this so I must not have been searching with the right terms. She is 45 so looks like we are stuck. She teaches at a smaller private school so the investment options are very limited. There is a vanguard small cap, mid cap, and large cap fund but no inde...
by ruralavalon
Thu Jun 21, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435734

Re: U.S. stocks in freefall

If you believe the decline is trade related, there will be a few more days of decline. Maybe. But the market has freaked out over trade before. And the promptly decided everything was fine again. To wit: SP500 futures... https://money.cnn.com/data/premarket/ Trade stuff no big deal today, S&P500 wa...
by ruralavalon
Thu Jun 21, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 34
Views: 4409

Re: Help - investor starting later in life

08%, Vanguard California Intermediate-term Tax-exempt Fund Admiral Shares (VCADX) ER 0.09% Thanks @ruralavalon I notice you suggest an 8% allocation in VCADX (or the poor man's version VCAIX?). Is there a reason you suggest VCAIX over just keeping all domestic stocks in VTSAX? The tax-exempt bond f...
by ruralavalon
Wed Jun 20, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 60
Views: 8092

Re: Merrill Edge best choice for higher net worth accounts?

another vote for fidelity or vanguard. They pay more for funds waiting to be invested. Bank america reward money market pays .07% interest for platinum. think 0.14% for merill sweep?? Vanguard and Fidelity pay alot more, around 1%. That's right. For example Vanguard Prime Money Market Fund (VMMXX) ...
by ruralavalon
Wed Jun 20, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 403b provider switching - higher fees - how often can you rollover?
Replies: 8
Views: 472

Re: Wife's 403b provider switching - higher fees - how often can you rollover?

Hi folks, I just got a letter in the mail saying my wife's 403b with her present employer is moving to another proprietor, one who charges 1% annually just to have the pleasure of taking her money. Also, their TD fund options are American Funds with around 0.45% fees. Her current 403B costs $5/year...
by ruralavalon
Wed Jun 20, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth Fund, Target Fund, or Total Stock Market
Replies: 45
Views: 2534

Re: Life Strategy Growth Fund, Target Fund, or Total Stock Market

Yes, i'm barely able to afford a home in NY- I'm looking at Co-Ops. Let me just rephrase this to keep it nice and simple. Forget I'm looking to buy a home. What would you guys advise to get the best possible returns for: -A 30 year old, NY teacher who will receive a pension, and saves 10% of his pa...
by ruralavalon
Wed Jun 20, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Advice
Replies: 6
Views: 493

Re: New Investor Advice

Yes, I've been diverting my entire paycheck to the 403b for the last few cycles and living off of my savings, so I'm close to maxing that account for the year. The list of 403b fund options is extensive, and I'm fortunate to have access to many Vanguard index funds, so it would be easy to make a th...
by ruralavalon
Wed Jun 20, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Expanded commission-free ETFs at Etrade
Replies: 11
Views: 645

Re: E*Trade eliminates commissions on ETFs

Glad to see that E*Trade is making ETFs commission free, including VTI, etc. <https://finance.yahoo.com/news/e-trade-adds-several-today-120500163.html?.tsrc=applewf> Good news :) . E*Trade now offers 32 Vanguard ETFs commission free, sadly not including Vanguard Total International Stock ETF (VXUS)...
by ruralavalon
Wed Jun 20, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 25
Views: 2704

Re: Vanguard or Charles Schwab account

Welcome to the forum :) . I currently have an account with Fidelity.I want to open another account for index fund investing. Is it better to open Charles Schwab account or Vanguard account? All three are good firms for index fund investing. Thanks every one for the response!! I don't have anything a...
by ruralavalon
Wed Jun 20, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: New Investor Advice
Replies: 6
Views: 493

Re: New Invest

Welcome to the forum :) . In my 30s, new to managing my finances. Here’s my current picture: Roth IRA ~$25K previously in high-expense, low-growth funds because I didn’t know any better at the time. I just reallocated to a 3-fund portfolio of low-expense Fidelity Index Funds (60% FSTVX, 20% FTIGX, 2...
by ruralavalon
Wed Jun 20, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38179

Re: What's your U.S. : International ratio?

columbia wrote:
Tue Jun 19, 2018 9:06 pm
abuss368 wrote:
Tue Jun 19, 2018 8:17 pm
I would not be surprised if in the future Vanguard investment experts recommend 50% domestic and 50% international with the Target and LifeStrategy funds.
I agree.

That, however, doesn’t mean that it would or will be the optimal choice.
I agree.
by ruralavalon
Wed Jun 20, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 39
Views: 2428

Re: American Funds SIMPLE IRA Advise

New question.... If I was in a 5305- SIMPLE is that when you do a freeze simple and have to then transfer every bi weekly contribution to the financial custodian of my choice? And if my employer has the 5304-SIMPLE do you just ask to switch to someone like Schwab and then my bi weekly contributions...
by ruralavalon
Tue Jun 19, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 39
Views: 2428

Re: American Funds SIMPLE IRA Advise

New question.... If I was in a 5305- SIMPLE is that when you do a freeze simple and have to then transfer every bi weekly contribution to the financial custodian of my choice? And if my employer has the 5304-SIMPLE do you just ask to switch to someone like Schwab and then my bi weekly contributions...
by ruralavalon
Tue Jun 19, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 16
Views: 1411

Re: Help with my allocations

I am working on changing the allocations based on your inputs. Thanks. You also suggested to make some additional funds like VBIAX in my 401K and others in Roth. I.t may be a couple of years before i leave workforce full time. I was wondering if we just contribute maximum in our 401K plans in to ge...
by ruralavalon
Tue Jun 19, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 34
Views: 4409

Re: Help - investor starting later in life

@ruralavalon. Here are the expense ratios. 1) Vanguard Institutional 500 Index Trust - 0.016% 2) Vanguard Institutional Total International Stock Index Trust - 0.068% 3) Vanguard Institutional Total Bond Market Index Trust - 0.038% Those are excellent funds to use in your 401k, you are fortunate to...
by ruralavalon
Tue Jun 19, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38179

Re: What's your U.S. : International ratio?

90% US 10% int International just drags a VTSAX portfolio down Boy it sure does, especially recently. I don't like calculating where I'd be if I had gone all US instead of world cap. Not even tempted to change it, though. Stay the course :mrgreen: In the past tense, that was correct. I am not certa...
by ruralavalon
Tue Jun 19, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Roth 401k Allocations
Replies: 9
Views: 474

Re: Help with Roth 401k Allocations

BlackRock International Index Fund in your 401k may be a trust rather than a mutual fund. In your 401k materials or the 401k website there will be a short fact sheet for that trust, just a few pages long, which describes the trust. The fact sheet will state the index used, probably in a section titl...
by ruralavalon
Tue Jun 19, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435734

Re: U.S. stocks in freefall

I someday hope to live in a world where this thread isn't bumped every time the market is down. This is Frankenthread, it will never die :wink: :wink: I merged Oak&Elm's thread "Anyone Buying Today?" into this one as the topics are essentially the same. No, I'm not buying today. I'll be buying at t...
by ruralavalon
Tue Jun 19, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7402

Re: I feel like selling my 3 fund

This maybe a silly question (I’m self employed too). But with no taxable income, how do you eat? I have a none US citizen parent who gifts me a certain amount of money every year. Thanks again for the extra reading material. Should I be dollar cost averaging my lump sum or just move the whole thing...
by ruralavalon
Tue Jun 19, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Help with Roth 401k Allocations
Replies: 9
Views: 474

Re: Help with Roth 401k Allocations

Thanks for adding the fund information for your 401k, that helps a lot. Those are very low expense ratios, even lower than you could get in an IRA directly with Vanguard or Fidelity, you are fortunate. In my opinion the funds to consider using in your 401k include: 1) Fidelity 500 Index Fund Institu...
by ruralavalon
Mon Jun 18, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Please help with RMDs and asset allocation
Replies: 9
Views: 1073

Re: Please help with RMDs and asset allocation

Thanks again. I have thought I had too much cash on hand, but it has also felt like a good safety net during uncertain times - maybe I don't need that since I have bonds and have to start RMDs this year. I do wonder if I should take the dividends from the bond funds monthly as part of RMDs or reinv...
by ruralavalon
Sun Jun 17, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with RMDs and asset allocation
Replies: 9
Views: 1073

Re: Please help with RMDs and asset allocation

Thank you for your thoughtful responses. I will follow the given suggestions. When I asked about taking more than $18,000 per year I was not including the RMD. It's good to know that I do have some leeway. I just wondered if my asset allocation looks ok in general - especially the Tax Deferred acco...
by ruralavalon
Sun Jun 17, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 16
Views: 1411

Re: Help with my alocations

Thanks for your inputs. Here is the suggestions incorporated My rollover with Vanguard 188K Dividend growth fund (VDIGX) 4.8% , (ER 0.26) Total International stock (VTIAX) 3.6% (0.11) Total stock Index fund (VTSAX) 13.3% (0.04) Vanguard Roth IRA 86K Energy fund (VGENX) 0.8% (0.38) Equity income fun...
by ruralavalon
Sun Jun 17, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1154

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

You are 36, a lot can happen in the 30 years or so until she could collect the pension. The employer may drop the pension plan entirely or may severely reduce the pension during the next 30 years, and she may not stay with her employer the rest of her working life. When closer to retirement it can ...
by ruralavalon
Sun Jun 17, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with RMDs and asset allocation
Replies: 9
Views: 1073

Re: Please help with RMDs and asset allocation

Welcome to the forum :) . Thank you in advance for looking at my portfolio. I am a single female and will be 71 in July and will have to take RMD before the year's end. My RMD for this year will be about $12,500. My problem is I don't know which funds to take them from. Five years ago when I was goi...
by ruralavalon
Sun Jun 17, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1154

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

Thank you for the comments. I forgot to include a pension my wife has as well as a small defined contribution plan she has. I updated the Original Post. Could the pension be considered our bonds? There is just a little bit of bonds in the DCP. Would you still add bonds to the ROTHs? Side question, ...
by ruralavalon
Sun Jun 17, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 16
Views: 1411

Re: Help with my alocations

Thanks for your time and suggetions. Our retirement investments are not in order and seeking advice before it is too late. We are interested in a portfolio of few stock and bond funds in rollover IRAs and 401K. We prefer to have more stock funds in roth. Here are the bond funds from my current 401K...
by ruralavalon
Sun Jun 17, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: What next?
Replies: 8
Views: 1216

Re: What next?

Thank you to all who posted responses and to those who took the time to read my question on the blogs. I am happy to say I have taken your tips and taken action on them. I set up a SEP-IRA account on Vanguard today and will be using VTSAX or VASGX as my investment vehicle. I have also considered fi...
by ruralavalon
Sat Jun 16, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7402

Re: I feel like selling my 3 fund

You listed VBLTX as one of your holdings. That fund is Vanguard Long-Term Bond Index Fund. Did you by chance mean instead VBTLX... I have VBTLX - Vanguard Total Bond Market Index Fund Admiral Shares I have read Dr. Bernstein's "If You Can", and I will read "The Bogleheads' Guide to Investing" next....
by ruralavalon
Sat Jun 16, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: What next?
Replies: 8
Views: 1216

Re: What next?

Welcome to the forum :) . It's good to see that you are debt free, primarily (about $47k) using diversified index funds with low expense ratios, and not adding more to bullion or crytocurrencies. Hello and welcome, I am a long time follower and first time writer on this blog. My primary question to ...
by ruralavalon
Sat Jun 16, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 16
Views: 1411

Re: Help with my alocations

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

What are the bond funds offered in your current 401k? Please give fund names, tickers and expense ratios.
by ruralavalon
Sat Jun 16, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7402

Re: I feel like selling my 3 fund

I started investing in Feb 2017 and Im ashamed to say that Ive already been thinking recently a lot about selling and going into fixed income for a couple of years because everyone is expecting a downturn. Im thinking I can sell now and get into something more stable until we are at the bottom of a...
by ruralavalon
Sat Jun 16, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: VEVFX
Replies: 6
Views: 611

Re: VEVFX

I am considering VEVFX to add to my portfolio. I believe value will prevail over growth in the next several months. I like the blend of small and mid caps. Any opinions. In my opinion investing for the short-term is a bad idea. Why do you believe "value will prevail over growth"? Why only for "the ...
by ruralavalon
Sat Jun 16, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Should fixed income allocation necessarily change over the years?
Replies: 11
Views: 671

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

There is the hypothesis that the retirement date risk and the sequence of returns risk is better dealt with by increasing the fixed income allocation 5-10 years before retirement and maintaining the high bond allocation until 5-10 years after retirement, then increasing the stock allocation. That wa...
by ruralavalon
Fri Jun 15, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 994

Re: What to put in taxable brokerage account?

You can place an order for a transaction anytime 24/7, rather than just when an exchange is open. You don't need to use limit orders. These statements are also true for ETFs. Would it be accurate to say that it's generally advisable to use limit orders in ETF transactions? I don't use ETFs so I don...
by ruralavalon
Fri Jun 15, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer - Need 401k rollover Advice!
Replies: 2
Views: 247

Re: New Employer - Need 401k rollover Advice!

Hi all, I am starting a new job and need some advice on what to do with previous 401k balance. My new company only has 3 Vanguard funds and personally I do not believe they are as good as the previous fund options. I have listed below my IRA, old 401k, and new 401k. Do I roll into new 401k, IRA, or...
by ruralavalon
Fri Jun 15, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 994

Re: What to put in taxable brokerage account?

Welcome to the forum :) Just seeking general thoughts on what to put in taxable brokerage accounts? Does anyone favor ETFs? Mutual funds? Assuming a general Boglehead philosophy is there any advantage to ETF vs mutual fund for similar index (say Vanguard) products? In general in a taxable account us...
by ruralavalon
Fri Jun 15, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 454

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

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

In my opinion rolling the old 401k over into your new 401k is a good idea.
by ruralavalon
Fri Jun 15, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 34
Views: 4409

Re: Help - investor starting later in life

401k (33% of total; $30k; adds $18.5k + $3k employer match = $21.5k/yr total) 00%, Vanguard Institutional 500 Index Trust - 0.016% 00%, Vanguard Institutional Total International Stock Index Trust - 0.068% 33%, Vanguard Institutional Total Bond Market Index Trust - 0.038% @ruralavalon and others- t...
by ruralavalon
Thu Jun 14, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Roth 401k Allocations
Replies: 9
Views: 474

Re: Help with Roth 401k Allocations

Welcome to the forum :) . I have a Roth 401(k) plan with my employer through Fidelity. They automatically put me in the Fidelity Freedom 2050 Fund - Class K (I'm 32). I'm new at this and have a bunch of options. Can someone please help me out here with which funds I should be in and what percentages...
by ruralavalon
Thu Jun 14, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1589

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

If in a retirement account, you could purchase the equivalent ETF (which should have the same ER as Admiral shares) and then sell and buy into the fund once you reach 10k. Why bother. The impact of the expense ratio difference between Investor Shares and ETF shares on a $3k investment is just $3 pe...