Search found 12116 matches

by ruralavalon
Tue Jan 16, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing, am I on the right track?
Replies: 7
Views: 552

Re: New to investing, am I on the right track?

Welcome to the forum :) . Some additional information is necessary. How much is the student loan debt? What are the 3-4 bond funds in his 401k with the lowest expense ratios? What are the 3-4 large cap or total market domestic stock funds in her 401k with the lowest expense ratios? (It's important t...
by ruralavalon
Tue Jan 16, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Illinois - [State] Retirement [Plan Options]
Replies: 3
Views: 197

Re: Illinois - [State] Retirement [Plan Options]

My wife has recently become an employee for the State of Illinois, her retirement options are various and I was wondering what you guys thought might be the best option. There are Vanguard Target Retirement Trusts 2050 or 2055, there are also Vanguard Treasure Money Market Fund, Vanguard Total Bond...
by ruralavalon
Tue Jan 16, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Calculator
Replies: 5
Views: 311

Re: Asset Allocation Calculator

Youngpled - Do you recall where on the Vanguard site that’s located? I had heard of that feature but could never find it on the website. Thank you When I had outside accounts, that feature was located on the "balances and holdings" page. I just checked, it's still there. Also you could use Mornings...
by ruralavalon
Tue Jan 16, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & 401k Fund Options
Replies: 2
Views: 123

Re: Portfolio Review & 401k Fund Options

Welcome to the forum :) . 1) in his 401k at Vanguard, the simplest solutions are: 90%, Vanguard 500 Index Fund Admiral Shares (VFIAX) ER 0.04%; and 10%, Prudential Total Return Bond Q (PTRQX) ER 0.43%. OR 100%, American Funds Capital Income Builder R6 (RIRGX) ER 0.30% 2) Yes, it is easy. Please see ...
by ruralavalon
Tue Jan 16, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Company 401k - is this optimal?
Replies: 7
Views: 434

Re: Company 401k - is this optimal?

What are the relative sizes of the accounts? Like this:
Taxable account @ (name of fund firm), xx%
His 401k, yy%
His traditional IRA @ Vanguard, zz%
Total = 100%
by ruralavalon
Tue Jan 16, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 35
Views: 3733

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

I have never had a problem with Vanguard customer service, it has always been prompt, courteous and professional. That's pretty disingenuous. You read the forums enough to know that a LOT of people have been reporting problems. The OP was considering a move, and said "I've heard that [Vanguard] cus...
by ruralavalon
Tue Jan 16, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?
Replies: 15
Views: 2085

Re: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?

In the "extreme case" everything does fall apart. We are nowhere near an extreme case for index investing. According to Morningstar only about 22% of fund assets are passively invested. doesnt matter to me - if i do as well as the overall market, not better or worse, i will achieve my financial goal...
by ruralavalon
Tue Jan 16, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Tom's First Post needing portfolio help
Replies: 12
Views: 1311

Re: Tom's First Post needing portfolio help

Welcome to the forum :) . It's great to see that you have no consumer debt, and that you are using tax-advantaged accounts and broadly diversified index funds with low expense ratios. It looks like you are off to a good start. Please add any new information to your original post using the edit butto...
by ruralavalon
Tue Jan 16, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 2
Views: 208

Re: Portfolio Advice

Welcome to the forum :) . I agree that starting an IRA for her is a top priority. Use a low cost provider, like Vanguard or Fidelity. I agree that all new contributions should be invested in broadly diversified index funds with low expense ratios. Broad diversification is to reduce risk, low expense...
by ruralavalon
Tue Jan 16, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Help with young family portfolio
Replies: 12
Views: 936

Re: Help with young family portfolio

Thanks everyone for the helpful and encouraging replies! I updated my original post with most of the additional information requested. Couple of highlights: (1) My company doesn’t do a match - it’s a profit sharing contribution so I receive this regardless of my deferral rate (2) As far as the car ...
by ruralavalon
Mon Jan 15, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie - Company 401k Fund selection
Replies: 6
Views: 327

Re: Newbie - Company 401k Fund selection

Thank you so much for the replies! Yes, I will switch my Roth IRA funds with vanguard from total US stocks to international stocks as I don't have international diversification and there's no need to wait for this diversification. Only the most recent contributions making up 3-4% of my 401k were do...
by ruralavalon
Mon Jan 15, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: 40 years old. Need advises on asset allocation
Replies: 3
Views: 579

Re: 40 years old. Need advises on asset allocation

I am 40 year old and my wife is 38. We have two kids 7 and 6 years old. As a family - 120k in Savings Acc Remaining Mortgage principal - 174k at 4.00%, 30 year fixed started in 2012) Tax filing - MFJ State - CT Total combined annual family income - 132K + 105K = 237K. There is some company bonus of...
by ruralavalon
Mon Jan 15, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: I'm hooked
Replies: 22
Views: 3719

Re: I'm hooked

Welcome to the forum :) .
by ruralavalon
Mon Jan 15, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie - Company 401k Fund selection
Replies: 6
Views: 327

Re: Newbie - Company 401k Fund selection

I think you are right to do Roth 401k contributions until your income accelerates. In the 401k I suggest switching both the existing balances and future contributions to; 1) Vanguard Institutional Index CIT, ER 0.014%; 2) Fidelity International Index Fund Institutional Premium (FSPSX) ER 0.045%; and...
by ruralavalon
Mon Jan 15, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Another 401k Options Post. Please Help!
Replies: 4
Views: 237

Re: Another 401k Options Post. Please Help!

Thanks for the reply, Yes, I do have access to cheap bond indices in my HSA and my IRAs. I guess I don't really understand the potential negative implications when it comes time to withdraw funds from the various accounts if I have a 401k with 100% stocks and an HSA and IRAs with almost 100% bonds....
by ruralavalon
Mon Jan 15, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 27
Views: 3058

Re: AA is much harder than I thought...

I'm 33 and have only been in the markets about a year. I'm doing my best to learn from the masters -- my first investing read was Common Sense and I just finished The Four Pillars . Those were excellent choices for books to read. Everything I have learned tells me that I should be buying bonds righ...
by ruralavalon
Mon Jan 15, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Company 401k - is this optimal?
Replies: 7
Views: 434

Re: Company 401k - is this optimal?

Hi all, Is $18.5k. I joined a new company last week. They offer 401k through Vanguard, but no company match, though. The following are the options. The ones with the CURRENT % are the ones I selected. I can change them anytime. I have 2 questions - 1. is my allocation optimal? I impossible to guess...
by ruralavalon
Mon Jan 15, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Another 401k Options Post. Please Help!
Replies: 4
Views: 237

Re: Another 401k Options Post. Please Help!

Hello I am trying to achieve a 50/30/20 ratio of total market index/total bond index/total world index. I have access to a taxable account, an HSA, 2 IRAs and a 401k that will be starting in a few months due to a job switch. My concern is the options for the bond funds in the 401k. I'm not sure the...
by ruralavalon
Mon Jan 15, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: CDs & Savings as a substitute for bonds or bond funds
Replies: 20
Views: 2146

Re: CDs & Savings as a substitute for bonds or bond funds

pfb3326 wrote:
Sun Jan 14, 2018 9:17 pm
Are CDs and savings accounts acceptable alternatives to bonds or bond funds for the fixed income portion of a portfolio? This would seem reasonable to me at times of rising rates when you have about a ten year horizon or am I missing something? Thanks.
Yes.
by ruralavalon
Mon Jan 15, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: how to figure out the assest allocation that you can sleep well with
Replies: 22
Views: 1724

Re: how to figure out the assest allocation that you can sleep well with

I'm currently at 70/30 (stock/bond) allocation. I know I shouldn't time the market and should stay the course. But I still have this itch to reduce my stock exposure because market is at all time high. I'm wondering if I'm feeling the itch because my assest allocation is too risky? So in that case ...
by ruralavalon
Sun Jan 14, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 39
Views: 4174

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

Hi Bogleheads community, I'm looking to add 200k to my investment portfolio and have this itch to take a little more risk with the money. I'm willing to take more risk with this new money because I already have a 3fund. I am 29 and won't need access to this money for a while (20+ years). I know the...
by ruralavalon
Sun Jan 14, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 35
Views: 3733

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

Just remember the free trades and perks are marketing schemes and they can change at any time. I left Schwab in 2003 because they started charging an annual fee on accounts under $100K. Today I have a lot more than that but I still don't have any money at Schwab because they basically told me I was...
by ruralavalon
Sun Jan 14, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: How to see YTD% at Vanguard
Replies: 22
Views: 1894

Re: How to see YTD% at Vanguard

Vanguard does not display the YTD/custom range returns in %; its always in $; Yes and this is very frustrating. Quite Bush League of them. It is very easy to put your portfolio in Morningstar and you get a YTD computation for your portfolio. I don't think it that big of a deal that Vanguard does no...
by ruralavalon
Sun Jan 14, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: 401K: Should I manage this myself?
Replies: 17
Views: 1032

Re: 401K: Should I manage this myself?

In the second option, (Vanguard funds) the better choice at age 28 would probably be : Vanguard LifeStrategy Growth Fund (VASGX), which has an asset allocation of 80% stocks and 20% bonds. Can you list the funds available in the third option (completely self directed)? Do you have an asset allocati...
by ruralavalon
Sat Jan 13, 2018 6:04 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7547

Re: Heading for a top?

We are up what, 150% in 10 years since the last high in 2007? That doesn't exactly strike me as unsustainable returns. Worth holding for the next 100% even if we have to take 10 years to get there. Companies are making bank right now, the whole point in owning stocks it to share in those profits. V...
by ruralavalon
Sat Jan 13, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 26
Views: 4549

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

YTD is a stupid way to measure performance. It starts out really stupid, then by the end of the year it's almost not stupid any more, and then it resets to being really stupid again. cute... And yet this thread has over 1700 posts: https://www.bogleheads.org/forum/viewtopic.php?t=145610 And most of...
by ruralavalon
Sat Jan 13, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 17
Views: 1260

Re: Best Movies of 2017

We are so out of touch :( .

The only movie mentioned which we have seen is Dunkirk. I do think it is a good movie.
by ruralavalon
Sat Jan 13, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with young family portfolio
Replies: 12
Views: 936

Re: Help with young family portfolio

Welcome to the forum :) . It's always good to see someone starting young, getting debt under control, and being serious about their finances. Long time lurker - first time poster... I’m looking for some advice about my next step. I’ll admit most of the numbers I see on here are huge (it seems everyo...
by ruralavalon
Sat Jan 13, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Rethinking the use of Vanguard Total Bond Fund in my 3 Fund Porfolio
Replies: 5
Views: 854

Re: Rethinking the use of Vanguard Total Bond Fund in my 3 Fund Porfolio

I'm revisiting my bond strategy. I have never been enamored by the Vanguard Total Bond Market Fund in the way I have by Vanguard's Total Stock Index Fund and Total International Stock Index Fund, but have had a hard time articulating, even to myself, why this is the case. But I think it's largely b...
by ruralavalon
Sat Jan 13, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: VIIIX vs other stock fund for employer retirement plan
Replies: 2
Views: 158

Re: VIIIX vs other stock fund for employer retirement plan

You are already 90% stocks. That's plenty. Adding more is a bad idea in my opinion.
by ruralavalon
Sat Jan 13, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1415

Re: Help me pick a bond fund

I still feel that the Virtue Seis intermediate-term bond fund is the better bond fund in your 403b. The fund is overweight in AAA credit quality U.S. government bonds, compared to its benchmark, and Argentine bonds are just 5.16% of the fund (see the "portfolio" tab for the fund on Morningstar). If ...
by ruralavalon
Sat Jan 13, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer New 401K
Replies: 4
Views: 292

Re: New Employer New 401K

The target date fund with an expense ratio of 0.06% looks like a good choice. If you want individual funds and a custom asset allocation, then I suggest: 1) Vanguard Institutional Index Fund (a S&P 500 index fund), ER 0.04%; 2) State Street Global Equity EX-U.S. Index Fund, ER 0.156%; and 3) Dodge &...
by ruralavalon
Sat Jan 13, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: question about VBTLX
Replies: 27
Views: 1516

Re: question about VBTLX

Morningstar's performance table shows shows a 1 year return of 2.54%. That is a total return number, dividend yield plus any increase in Net Asset Value minus expense ratio. No, the fund's dividend yield already accounts for the expenses (for the expense ratio) being taken out. Or you could say the...
by ruralavalon
Sat Jan 13, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: question about VBTLX
Replies: 27
Views: 1516

Re: question about VBTLX

I am looking at VBTLX - Vanguard Total Bond Market fund and noticed that it returned 0.94% last year which is lower than some CDs right now. Ally no penalty CD (which can be broken without penalty after around 6 days) is returning 1.6%. Am I missing something here? Does the .94% not include taxable...
by ruralavalon
Sat Jan 13, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: What is the long term average nominal yield of the total bond market index fund ?
Replies: 27
Views: 1189

Re: What is the long term average nominal yield of the total bond market index fund ?

investing1012 wrote:
Sat Jan 13, 2018 12:14 pm
I wanted the information regarding return.
The Morningstar "growth of 10k" graph gives total return net of expenses.

The "performance" table right below the graph gives annualized returns.
by ruralavalon
Sat Jan 13, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice for new 401k fund choices
Replies: 3
Views: 236

Re: Looking for advice for new 401k fund choices

Welcome to the forum :) . Fidelity 500 Index Fund Premium Class ER 0.035% covers 81% of the U.S. stock market, stocks of larger companies. Fidelity Extended Market Index Fund Premium Class ER 0.07% covers 19% of the U.S. stock market, stocks of smaller companies. Fidelity Total Market Index Fund Pre...
by ruralavalon
Sat Jan 13, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Company 401K Fund Change
Replies: 9
Views: 517

Re: Company 401K Fund Change

I would not use either Fidelity Low-Priced Stock Fund, ER 0.58% or TransAmerica Mid Cap Value Fund, ER 0.86%. I think you have made a good choice in Vanguard Institutional Trust Target Retirement 2050 (VTRLX) ER 0.09%, so you could just use that by itself. If you want to switch to separate funds, th...
by ruralavalon
Sat Jan 13, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1415

Re: Help me pick a bond fund

. . . . . I have an aversion to actively-managed funds, but the bond funds seem to have higher returns than the stable value. Like you my preference is a good index fund rather than a good actively managed fund. Also the primary purpose of a bond allocation is to provide portfolio safety and volati...
by ruralavalon
Sat Jan 13, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: 401K: Should I manage this myself?
Replies: 17
Views: 1032

Re: 401K: Should I manage this myself?

In the second option, (Vanguard funds) the better choice at age 28 would probably be : Vanguard LifeStrategy Growth Fund (VASGX), which has an asset allocation of 80% stocks and 20% bonds. Can you list the funds available in the third option (completely self directed)? Do you have an asset allocati...
by ruralavalon
Sat Jan 13, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: 401K: Should I manage this myself?
Replies: 17
Views: 1032

Re: 401K: Should I manage this myself?

In the second option, (Vanguard funds) the better choice at age 28 would probably be : Vanguard LifeStrategy Growth Fund (VASGX), which has an asset allocation of 80% stocks and 20% bonds. Can you list the funds available in the third option (completely self directed)? Do you have an asset allocatio...
by ruralavalon
Sat Jan 13, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1415

Re: Help me pick a bond fund

The bond fund choices in my 403b don't look great to me. Which (or which combination) would you choose if you didn't have another place for your bond allocation? (My IRA is small, and I'm already using it for international, since my 403b only has two index funds, Fidelity Total Market Index and Van...
by ruralavalon
Sat Jan 13, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: 401K: Should I manage this myself?
Replies: 17
Views: 1032

Re: 401K: Should I manage this myself?

The funds they have put you in are neither cheap not especially broadly diversified. However we can't advise you on what you should do without some more info, especially the list of available funds including expense ratio and details on the "percentage of vanguard funds" arrangement you mentioned. ...
by ruralavalon
Sat Jan 13, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Advice on investment strategy - first time poster
Replies: 5
Views: 315

Re: Advice on investment strategy - first time poster

Welcome to the forum :) . I am a first time poster but have been following the forum for quite a while and learning a ton – thank you! Hoping to get some opinions/advice on my investment strategy. BACKGROUND: 51 years old – $1.2M invested in the following: 30% Total Stock Market Index Fund (VTSMX), ...
by ruralavalon
Sat Jan 13, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!
Replies: 18
Views: 830

Re: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!

Hi. I'm new to the boards, a novice investor, and I'm looking for some help related to Schwab. I recently transferred my 401k balance from a previous employer to Schwab with the intent to set up a mutual fund portfolio, however the Schwab Financial Consultant I spoke with strongly recommended that ...
by ruralavalon
Sat Jan 13, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: 401K: Should I manage this myself?
Replies: 17
Views: 1032

Re: 401K: Should I manage this myself?

This was my first year being eligible for my employer’s 401k offering. My employer adds 20% of my salary into my 401k on a quarterly basis. The advertised management fee on the account is 0.15% paid for by my employer and then “housekeeping and other administrative fees” paid from my account- I cou...
by ruralavalon
Fri Jan 12, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Do bonds generally go up when the stock market crashes?
Replies: 27
Views: 1444

Re: Do bonds generally go up when the stock market crashes?

investing1012 wrote:
Fri Jan 12, 2018 4:41 pm
Specifically vanguards total bond index fund
Vanguard Total Bond Market Index Fund went up in 2008 when the real estate bubble burst, and also went up in 2000 when the dotcom bubble burst.
by ruralavalon
Fri Jan 12, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Alternatives to 401K
Replies: 14
Views: 893

Re: Alternatives to 401K

Hi, Thanks in advance for your ideas and help. I have a state retirement plan (PERA) in Colorado. I am 60 years old so I can add 6.5K/year to a Roth IRA which I do and have with a Vanguard Target Retirement Fund. I would like to invest about 20K in addition and see I can do that with PERA and as a ...
by ruralavalon
Fri Jan 12, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Alternatives to 401K
Replies: 14
Views: 893

Re: Alternatives to 401K

Yes, I am concerned about both of those, although I have no real knowledge of this happening. I did edit my original post as requested by ruralavalon, with my investment options for PERA (401k) and TIAA (403b). There is a lot of information on those links and if you would prefer a list of fund name...
by ruralavalon
Fri Jan 12, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 23
Views: 1143

Re: 401k options [Which funds to choose?]

The only bond funds I have in my (his 401k) have rather expensive: PIMCO Real Return Instl, PRRIX, 0.64% PIMCO Total Return Instl, PTTRX, 0.51% Actually PIMCO Total Return Institutional (PTTRX) ER 0.51% is a good actively managed intermediate-term bond fund, which could be used. However my preferen...
by ruralavalon
Fri Jan 12, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5314

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

Lets be honest, how many of you are 100% VTSAX in your portfolio? I know I am :sharebeer No, absolutely not. Our portfolio, is: 27% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX); 12% Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX); 13% Vanguard Total International Stock I...