Search found 14242 matches

by ruralavalon
Sun Dec 16, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Roth/Trad 401k and Roth conversion
Replies: 2
Views: 200

Re: Roth/Trad 401k and Roth conversion

Overview Emergency funds: 6 Months of expenses (checking acct) Debt: None Tax Filing Status: Single Tax Rate: Federal 35%, $7,260.00 plus 5.50% of the excess over $150,000 State of Residence: Maryland Age: 26 Desired Asset allocation: 85% stock 15% bonds Desired International allocation: 20% Total ...
by ruralavalon
Sun Dec 16, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put my money.
Replies: 4
Views: 827

Re: Where to put my money.

Welcome to the forum :) . Do you currently have any investing/retirement accounts? Do you have a work-based account like a 401k, 403b, 457, SIMPLE IRA, or TSP? Hello. I am new to the forum and have roughly 200k to invest as a long term investment (20 years). I then plan on contributing an additional...
by ruralavalon
Sun Dec 16, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Roth or Trad 401k - 24% bracket
Replies: 35
Views: 1364

Re: Roth or Trad 401k - 24% bracket

Will you be eligible for a substantial pension?

Will you receive Social Security benefits?
by ruralavalon
Sun Dec 16, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation
Replies: 9
Views: 657

Re: 401(k) Allocation

There are many very good funds offered in your 401k, you are fortunate. If you still have the brokerage account at Schwab you should coordinate the investments among all of your investing accounts. How much are you contributing to your 401k annually? Our company has recently been bought out and our ...
by ruralavalon
Sat Dec 15, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 24
Views: 1912

Re: Which asset class is down the most for you?

Vanguard Total International Stock Index Fund Admiral Shares (VTIAX), down 13.39% year to date
by ruralavalon
Fri Dec 14, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation
Replies: 9
Views: 657

Re: 401(k) Allocation

In your new 401k plan, what are the lowest expense funds offered in each of these three categories? -- 1) domestic stocks; 2) International stocks; and 3) bonds. In my opinion a target date fund with an expense ratio of 0.75% is probably too expensive to use. But it depends on what your other choice...
by ruralavalon
Fri Dec 14, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3462
Views: 1025999

Re: What Book Are You Currently Reading? Part VI

Wicked River, by Lee Sandlin.

This an interesting history of life on the Mississippi River, focused on the period before about 1840, before the era described by Mark Twain.
by ruralavalon
Fri Dec 14, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 20
Views: 1182

Re: [Help with my wife's retirement plan]

Example Portfolio # 1. The simplest portfolio would be Fidelity Vanguard Target Fund 2045 (expense ratio 0.06) in his 401k and FIDELITY 500 INDEX FUND (FXAIX) ER 0.02% in her 401k. This gives you less in bonds and more in international stocks than I suggest. The advantage is ultra-simplicity. Examp...
by ruralavalon
Fri Dec 14, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Vs IRA advice requested
Replies: 3
Views: 209

Re: Pension Vs IRA advice requested

This is my first post, but let me say thanks to all those who have been active and helpful so many times in the past. I have been reading other posts as I educate myself and appreciate all the 2nd hand help. I am 45 years old and next year will have the option of rolling my pension fund into an IRA...
by ruralavalon
Fri Dec 14, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Good fund choice for Teenager's IRA?
Replies: 13
Views: 655

Re: Good fund choice for Teenager's IRA?

I also suggest using a Fidelity Freedom Index Fund.
by ruralavalon
Fri Dec 14, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation in 40/60 Portfolio
Replies: 6
Views: 523

Re: Bond Allocation in 40/60 Portfolio

I am currently in retirement and will be required to take RMD's beginning in 2019. I am working toward a 40/60 allocation, but am am suffering from paralysis from analysis regarding bond portfolio makeup. At this time I am primarily in Total Bond Market Index, with additional bond exposure in Welle...
by ruralavalon
Fri Dec 14, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: In this case, should I be 100% stocks?
Replies: 13
Views: 1815

Re: In this case, should I be 100% stocks?

I might be offered a job working at the VA Hospital as a physical therapist. This would drastically change my current retirement situation because I am now using a 401k and Roth IRA with the average of my wife's and my age as the percentage we put into bonds. My wife works a couple days a week but ...
by ruralavalon
Fri Dec 14, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 53
Views: 6890

Re: In a Bear Market, What Are Some Best Practices

1. Setup automatic payments to all investment accounts - as much as you can pump into them. 2. Enter the wrong password 10 times on the login screen of your brokerage website to ensure your account is locked out. 3. Enjoy life. 4. When you are ready to retire - call brokerage and get account reset....
by ruralavalon
Fri Dec 14, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 20
Views: 1182

Re: [Help with my wife's retirement plan]

Example Portfolio # 1. The simplest portfolio would be Fidelity Vanguard Target Fund 2045 (expense ratio 0.06) in his 401k and FIDELITY 500 INDEX FUND (FXAIX) ER 0.02% in her 401k. This gives you less in bonds and more in international stocks than I suggest. The advantage is ultra-simplicity. Examp...
by ruralavalon
Thu Dec 13, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: 34 year old doctor needing help with 401k fund selection
Replies: 14
Views: 1244

Re: 34 year old doctor needing help with 401k fund selection

In my opinion the three funds you selected for your 401k are good choices.

I would not add TIPS. In my opinion Vanguard 500 Index Fund Admiral Shares (VFIAX) is good enough by itself for the U.S. stock allocation. Buy in a total international stock index fund in your Roth IRA would be a good idea.
by ruralavalon
Thu Dec 13, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Another Newbie Question [IRA fund selection]
Replies: 7
Views: 336

Re: Another Newbie Question [IRA fund selection]

Hi, I have been reading this forum for few weeks now and really thankful for all the useful knowledge you people are sharing. I am turning 39 next February and now planning to save for retirement age (I know I am little late). I opened traditional IRA account yesterday with Vanguard and have transf...
by ruralavalon
Thu Dec 13, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3891
Views: 1089473

Re: What Movie Have You Recently Watched?

Cactus Flower on Amazon Prime.

This romantic comedy stars Walter Mathau as a dentist, Goldie Hawn as his young girlfriend and Ingrid Bergman as his office nurse. This is a fun movie.
by ruralavalon
Wed Dec 12, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Another Newbie Question [IRA fund selection]
Replies: 7
Views: 336

Re: Another Newbie Question [IRA fund selection]

Welcome to the forum :) . Hi, I have been reading this forum for few weeks now and really thankful for all the useful knowledge you people are sharing. I am turning 39 next February and now planning to save for retirement age (I know I am little late). I opened traditional IRA account yesterday with...
by ruralavalon
Wed Dec 12, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Total Market Index or S&P500 index?
Replies: 17
Views: 2161

Re: Total Market Index or S&P500 index?

Welcome to the forum :) . Want to do 20% small cap index, 20% REIT, 10% Bond. Should I do total market index Or S&P500 index as my core fund? Thanks My preference is a total market index fund for the core domestic stock investment, because a little more diversified. But an S&P 500 index fund will al...
by ruralavalon
Wed Dec 12, 2018 11:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 551
Views: 64752

Re: Post your Financial Milestone Announcements Here

Lots of financial milestones for me since I got a "new" job back in January, almost a year ago. That job included a hefty pay bump of about $23K. As a result: 1) I was able to get my retirement account totals to twice my age (in thousands) for the first time ever -- $86,000 (I'm 43) 2) If you add i...
by ruralavalon
Wed Dec 12, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 20
Views: 1182

Re: [Help with my wife's retirement plan]

Both of the 401ks offer some excellent funds to choose from, you are fortunate. The only major disappointment is the high expense (ER 0.72%) T. Rowe Price target date funds in her 401k. In my opinion the better funds to consider using in his 401k include: 1) FID 500 INDEX (81% of U.S. stock market) ...
by ruralavalon
Mon Dec 10, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 20
Views: 1182

Re: [Help with my wife's retirement plan]

It's often better to coordinate investments among all accounts of a married couple, rather than look at each account separately. You are skipping over the overall picture, which could be a mistake. The facts matter, so it's better if you provide the information outlined in "Asking Portfolio Question...
by ruralavalon
Mon Dec 10, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Hurting Roth IRA
Replies: 16
Views: 1361

Re: Hurting Roth IRA

Perspective. I wish I could have contributed to a Roth when I was 29. But they didn't exist. I opened my Roth IRA as soon as they became available in 1998 -- when I was turning 50 and when contribution limit was just $2k a year. Maxed it out every year and held on tight through the ugliness of 2000...
by ruralavalon
Mon Dec 10, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a reasonable AA for someone retiring in 5 to 10 years?
Replies: 8
Views: 737

Re: Is this a reasonable AA for someone retiring in 5 to 10 years?

fortfun wrote:
Mon Dec 10, 2018 7:20 pm
. . . . .
Thanks Rural & nice avatar! . . . . .
That is the view from the condo we used on vacation for many years, West Maui looking across Pailolo Channel toward Molokai.
by ruralavalon
Mon Dec 10, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 20
Views: 1182

Re: [Help with my wife's retirement plan]

Your "family" portfolio (you and your wife) should be considered in its entirety. Consider updating this thread using the Asking Portfolio Questions format. It will make you think about the "big picture" while giving us the information we need to point you in the right direction. I agree. Please si...
by ruralavalon
Mon Dec 10, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 20
Views: 1182

Re: Retiring in 2 weeks, Traditional 401k

So another question. I looked at my wifes retirement she just started last year. She only has 4k in this 401k. Its also with T Rowe Price and with the 2050 target fund. She is paying a 0.72% expense rate. Would I be better off switching her into the 3 investment portfolio with a 90/10. here are the...
by ruralavalon
Mon Dec 10, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a reasonable AA for someone retiring in 5 to 10 years?
Replies: 8
Views: 737

Re: Is this a reasonable AA for someone retiring in 5 to 10 years?

Will you also receive Social Security benefits? If so how much? Do you have any debt? If so what types, amounts and interest rates? Getting ready to change new contributions. How does this look for a couple getting ready to retire in five to ten years? I will have a 65k/yr pension with 1.5% COLA tha...
by ruralavalon
Mon Dec 10, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Income is greatly reduced. When would you absolutely stop 401k contributions?
Replies: 12
Views: 1549

Re: Income is greatly reduced. When would you absolutely stop 401k contributions?

I'm in a situation where my primary client opted out of an agreement. DW is still employed in a secure job and contributes to her 401k. I've been the primary breadwinner for years. * I own the S corporation * There are still funds in the S corp's bank account (~$35k) to pay for 12 months of high-de...
by ruralavalon
Mon Dec 10, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Index Fund
Replies: 3
Views: 406

Re: Investing in Index Fund

Hi, I have some excess in my Vanguard money market that I would like to invest in equities so that I have the right percentage allocation for my age (51). Given the current market conditions, any ideas as to which Vanguard index funds to invest in? My healthcare and utilities index funds are doing ...
by ruralavalon
Mon Dec 10, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Hurting Roth IRA
Replies: 16
Views: 1361

Re: Hurting Roth IRA

AllStarDaniel wrote:
Mon Dec 10, 2018 5:38 pm
Opened my Roth IRA today to see I was down 229 dollars for the year. :annoyed Man... I know you have to stay the course but gosh that hurts at the age of 29 and not having much money to burn. But... stay the course. :|
Keep contributing.
by ruralavalon
Mon Dec 10, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: New Company 401K Investment Choices
Replies: 3
Views: 190

Re: New Company 401K Investment Choices

I joined a new company today and decided to choose these options for my 401K. I have 25 years still for retirement and interested in "stocks only" option. All my older 401K's are/will be in a IRA with Vanguard ETF's (VTI 75% and VXUS 25%). MF % Expense Ratio Sector FXAIX 60 0.02 S&P 500 VIMAX 10 0....
by ruralavalon
Mon Dec 10, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with wife's small IRA
Replies: 7
Views: 415

Re: What to do with wife's small IRA

My wife has less than 2K sitting in an Edward Jones IRA from when she was a soccer coach more than 10 years ago. She does not work and has no other retirement accounts. Can she roll that into mine? Would she be better off just cashing it in and taking the penalty? Or should she just let it sit? It ...
by ruralavalon
Mon Dec 10, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8628
Views: 1681821

Re: U.S. stocks in freefall

2018 is going to be my first negative year since I graduated from college (besides 2008 of course, but I had no money in 2008 :wink: ). Not only that, having bought a house this year and had the requisite inordinate amount of expenses that comes with that and my first year ever getting no bonus at ...
by ruralavalon
Mon Dec 10, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8628
Views: 1681821

Re: U.S. stocks in freefall

2018 is going to be my first negative year since I graduated from college (besides 2008 of course, but I had no money in 2008 :wink: ). How do you know this? (Unless, of course, you just cashed out). We still have a few weeks left in the year - it ain't over yet. :happy Most large index Funds are o...
by ruralavalon
Mon Dec 10, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: New job, trying to simplify to something coherent
Replies: 4
Views: 866

Re: New job, trying to simplify to something coherent

Are there fees charged charged for using the BrokerageLink? Often there are per transaction fees, annual fees, or sometimes both. I don't believe that it will be necessary to use the BrokerageLink, given the funds that are offered in your 401k. In my opinion the funds to consider using in your new ...
by ruralavalon
Sun Dec 09, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Age 60, portfolio review for possible retirement soon
Replies: 9
Views: 1539

Re: Age 60, portfolio review for possible retirement soon

Background: Turned 60 this past summer, . . . . . Spouse is 57. Financial overview: . . . . . Mutual Funds AA currently is 62% equities, 38% bond funds. Do you have a desired asset allocation that you want to aim for? At ages 60 and 57, 2 - 4 years from retirement, I suggest around 40-60% in bonds ...
by ruralavalon
Sun Dec 09, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Age 60, portfolio review for possible retirement soon
Replies: 9
Views: 1539

Re: Age 60, portfolio review for possible retirement soon

That a nice employer contribution in your current 401k. It seems that very good funds are offered in your 401k. You are fortunate. Tax status: Federal 25% (?), State, about 5%. Here are calculators you can use to estimate your federal tax bracket. First estimate your "taxable income". money chimp, "...
by ruralavalon
Sun Dec 09, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: AA [Asset Allocation]
Replies: 5
Views: 421

Re: AA

Happy birthday next week :) . It is good to see that you are debt free, have an emergency fund, and are investing with very diversified index funds with very low expense ratios. Emergency fund complete. Receiving pension from state teaching job. No debt. Teaching private school. Turning 50 next week...
by ruralavalon
Sun Dec 09, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Best Re-balancing technique . . .
Replies: 20
Views: 1394

Re: Best Re-balancing technique . . .

That portfolio is too complex, but you don't want advice on that. 1) Rebalance the stock/bond allocation if needed. 2) Rebalance the domestic/international stock allocation if needed. 3) Rebalance the sub-classes of stocks if needed. Rebalance by exchanging between funds inside a tax-advantaged acco...
by ruralavalon
Sun Dec 09, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 39
Views: 3290

Re: Has anyone adjusted their stock allocation on the dip?

Just wondering with the recent dip in stock prices if many investors her readjusted their stock allocation and sold some bonds or invested cash to do so. Thanks in advance for the response. No. I am retired, age 73, still have a 50/50 asset allocation, and just take Required Minimum Distributions p...
by ruralavalon
Sun Dec 09, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Stay in Company 401 at retirement or roll to an IRA?
Replies: 10
Views: 910

Re: Stay in Company 401 at retirement or roll to an IRA?

The index funds I am in with company 401 - Large Cap, Small Cap and International all have fees of .1 to .15. I am not finding much better expenses with other brokerages if I roll to an IRA. Usually it's better to rollover a 401k to an IRA at a low cost provider, when you can getter a better select...
by ruralavalon
Sat Dec 08, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: New job, trying to simplify to something coherent
Replies: 4
Views: 866

Re: New job, trying to simplify to something coherent

welcome to the forum :) . It is great to see that you have an emergency fund, and are debt free. That is an excellent employer match in your 401k, and several good funds are offered in your 401k. You are fortunate. Asset allocation. Age: 32 Desired Asset allocation: (see questions) . . . . . a. I've...
by ruralavalon
Sat Dec 08, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7165

Re: "The 10 Worst Places To Get Investing Advice"

The problem is that when you know nothing about finances and someone you otherwise respect tells you “what to do” you are likely to consider their advice as good when maybe it is terrible. I am convinced that a person has to educate themselves by doing extensive reading and hopefully they will stum...
by ruralavalon
Sat Dec 08, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to Vanguard (Taxable Investing)
Replies: 20
Views: 2890

Re: Best Alternative to Vanguard (Taxable Investing)

Fidelity is great. You can buy ishares ETFs for free. The Schwab ETFs are also good. Most of my taxable investments are st Fidelity. Vanguard now offers a very large number of ETFs of other firms commission free ( pdf list ) including Fidelity, Schwab, BlackRock (iShares), State Street (SPDR), and ...
by ruralavalon
Sat Dec 08, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6922

Re: Retiring in 2 weeks, Traditional 401k

In my opinion the priorities for decision should probably in this order: 1) buying health insurance for her; 2) getting a solid number for their retirement expenses; 3) getting the exact number for their Social Security benefits; 4) deciding whether to use a SPIA to fill any gap between expenses an...
by ruralavalon
Sat Dec 08, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7165

Re: "The 10 Worst Places To Get Investing Advice"

It appears from list that you should not take financial advice from anyone. . . . . . The article does state exceptions, like good advice you can get from from Bogleheads and White Coat Investor. I agree that being an educated investor is key, whether as a do-it-yourself investor or using an adviso...
by ruralavalon
Sat Dec 08, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6922

Re: Retiring in 2 weeks, Traditional 401k

In my opinion the priorities for decision should probably in this order: 1) buying health insurance for her; 2) getting a solid number for their retirement expenses; 3) getting the exact number for their Social Security benefits; 4) deciding whether to use a SPIA to fill any gap between expenses and...
by ruralavalon
Sat Dec 08, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6922

Re: Retiring in 2 weeks, Traditional 401k

STOCKS EMERGING MARKETS STOCK FUND GROWTH STOCK FUND MID-CAP GROWTH FUND MID-CAP VALUE FUND NEUBERGER BERMAN GENESIS INS T ROWE PRICE INTL VALUE EQUITY VALUE FUND VANGUARD DVLPD MRKTS IND ADM VANGUARD REIT INDEX ADMIRAL VANGUARD SMALL CAP INDEX, ADM VANGUARD TOT STK MKT IND ADM BONDS PIMCO TOTAL RE...
by ruralavalon
Sat Dec 08, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8628
Views: 1681821

Re: U.S. stocks in freefall

HomerJ wrote:
Sat Dec 08, 2018 11:22 am
J G Bankerton wrote:
Fri Dec 07, 2018 11:15 pm
nedsaid wrote:
Fri Dec 07, 2018 6:55 pm
There was a discussion in another thread about a relatively flat yield curve and the threat of that curve inverting,
If that curve inverts it will be like crossing the beams in the Ghost Busters movie.
Whoa. Total protonic reversal?
It's crossing "the streams".
by ruralavalon
Sat Dec 08, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6922

Re: Retiring in 2 weeks, Traditional 401k

If I want to better insulate his 401k against lets say a 60-70% correction which is rumored to occur within the next year or two, would 20 percent in stocks and 80 percent in bonds insulate them the most? But then I read also that if the fed rate raises, bonds go down so its like a viscous circle w...