Search found 14224 matches

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: 1874

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 quite little more diversified. But an S&P 500 index fund wil...
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: 64282

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: 10
Views: 493

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. A little more information will be helpful in answering your questions. What are the amounts and interest rates on ...
by ruralavalon
Mon Dec 10, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 10
Views: 493

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: 1345

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: 712

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: 10
Views: 493

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: 10
Views: 493

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: 712

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: 1526

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: 387

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: 1345

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: 183

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: 400

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: 8542
Views: 1671067

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: 8542
Views: 1671067

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: 3
Views: 670

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: 1507

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: 1507

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: 417

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: 1382

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: 3255

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: 902

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: 3
Views: 670

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: 6962

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: 2878

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: 6818

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: 6962

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: 6818

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: 6818

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: 8542
Views: 1671067

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: 6818

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...
by ruralavalon
Sat Dec 08, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or Roth IRA? Can't max both this year.
Replies: 5
Views: 400

Re: 401k or Roth IRA? Can't max both this year.

Hello All, DW and I won't be able to fully fund both of our 401Ks and Roth IRAs this year [emphasis added] , due to a need to get our emergency fund back to where it needs to be and some anticipated home repairs that should cost $30K. As we plan now, we're thinking of fully funding both 401Ks and l...
by ruralavalon
Sat Dec 08, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 6962

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

That's a nice article, thanks for posting the link.
by ruralavalon
Sat Dec 08, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2032
Views: 377759

Re: What are you up YTD? [Year To Date]

Age 73, retired, 50/50 asset allocation.

Minus 2.70% per Morningstar Portfolio Manager.

Best fund is Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), minus 0.25%.
by ruralavalon
Fri Dec 07, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds in Retirement Accounts
Replies: 19
Views: 1346

Re: ETFs vs Mutual Funds in Retirement Accounts

With traditional mutual funds you avoid the frustrations of intraday trading and fruitless attempts to time the stock market . You can't time the market with mutual funds? Huh. As you can see we were all discussing market timing intraday. But what real difference does that make? People who will pan...
by ruralavalon
Fri Dec 07, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: To Invest or Not to Invest
Replies: 31
Views: 2307

Re: To Invest or Not to Invest

Welcome to the forum :) . Hello, Greetings fellow Bogleheaders! Just joined Bogleheads.org today. So, I am excited to be here. My profile: ----------- 1) 40 year old married with a 3 year old kid 2) Have around 640K in the Stock Market (401(K), ROTH, 529 etc.,) 3) 275K in Cash (Ally bank and others)...
by ruralavalon
Fri Dec 07, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds in Retirement Accounts
Replies: 19
Views: 1346

Re: ETFs vs Mutual Funds in Retirement Accounts

Earl Lemongrab wrote:
Thu Dec 06, 2018 7:07 pm
ruralavalon wrote:
Thu Dec 06, 2018 4:49 pm
With traditional mutual funds you avoid the frustrations of intraday trading and fruitless attempts to time the stock market.
You can't time the market with mutual funds? Huh.
As you can see we were all discussing market timing intraday.
by ruralavalon
Fri Dec 07, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8427

Re: Solid my entire portfolio 12/3/18

I sold all my mutual funds because my portfolio was scattered with little rhyme nor reason. It had worked well over the years, but now that retirement is close I need something with a sensible game plan. I reinvested yesterday with my 50/50 aa. Off I go and I am not looking back. Thanks for the opi...
by ruralavalon
Fri Dec 07, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6818

Re: Retiring in 2 weeks, Traditional 401k

I hope he will consider working a little longer, to increase the Social Security benefit. What is his full retirement age for Social Security? What is his birthday? Next we can transfer to their IRA which again will not have any fees as long as there is a minimum 10k in this account. There is no fee...
by ruralavalon
Fri Dec 07, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3451
Views: 1022610

Re: What Book Are You Currently Reading? Part VI

Curtain: Poirot's Last Case, by Agatha Christie.

Poirot and Hastings return to Styles, to try to prevent a murder.
by ruralavalon
Thu Dec 06, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Managing my own portfolio
Replies: 20
Views: 2229

Re: Managing my own portfolio

Welcome to the forum :) . Those were excellent choices in reading materials. You made the right decision to get out from under that 0.80% AUM fee. Questions. Some additional information will be helpful in answering your questions. I wouldn't want to give you an example portfolio without first unders...
by ruralavalon
Thu Dec 06, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation calculator
Replies: 55
Views: 3962

Re: Asset allocation calculator

Using 80 or so years of US market data to predict the next 30 or more years' market performance is statistically and logically flawed. There is not enough data for modern statistical tools to function properly and believing those 80 years either cause or will predict future returns completely ignor...
by ruralavalon
Thu Dec 06, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Young and Dumb--wanting to start investing
Replies: 14
Views: 1360

Re: Young and Dumb--wanting to start investing

Welcome to the forum :) . I'm 23 years old and am looking to start investing with a goal to retire by 65. After reading The Bogleheads Guide it seems that index investing in a Roth IRA would be best for my knowledge level at this time. I thought I would start by investing the IRS max of $6k this yea...
by ruralavalon
Thu Dec 06, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds in Retirement Accounts
Replies: 19
Views: 1346

Re: ETFs vs Mutual Funds in Retirement Accounts

With traditional mutual funds you avoid the frustrations of intraday trading and fruitless attempts to time the stock market.
by ruralavalon
Thu Dec 06, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: New Member Looking to Leave Raymond James
Replies: 6
Views: 528

Re: New Member Looking to Leave Raymond James

Welcome to the forum :) . Hi, Brand new here, I've looked around a bit trying to find an answer to my quandary, but thought it best to just join and ask. First a little background. Before being married I managed my own retirement and personal investments with a Fidelity account and did quite well, b...
by ruralavalon
Thu Dec 06, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Plan for a Sole Proprietor - Backdoor SEP?
Replies: 11
Views: 654

Re: Savings Plan for a Sole Proprietor - Backdoor SEP?

A Vanguard Individual (solo) 401k permits Roth contributions. Vanguard has by far the largest selection of low cost mutual funds offered anywhere.
by ruralavalon
Thu Dec 06, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Plan for a Sole Proprietor - Backdoor SEP?
Replies: 11
Views: 654

Re: Savings Plan for a Sole Proprietor - Backdoor SEP?

I quit my job in September of this year to go freelance. I had a long term contract lined up that started mid-October that would net me about $250k+ per year in NYC. At my last job I've contributed about $9k to our Vanguard 401k before leaving. I setup an EIN At my new contract I'm looking at the o...
by ruralavalon
Thu Dec 06, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8427

Re: Solid my entire portfolio 12/3/18

Who knows? My guess is that now is a good time to get back in the stock market.

But I have no idea if tomorrow, or next week, or next month, or next year might be a better time.
by ruralavalon
Thu Dec 06, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds in Retirement Accounts
Replies: 19
Views: 1346

Re: ETFs vs Mutual Funds in Retirement Accounts

Not factoring in ERs, are there any advantages or disadvantages to having mutual funds vs ETFs in retirement accounts? E.g. in the HSA, Roth IRA, trad IRA. E.g. VTI vs the Vanguard total stock market mutual fund. Again, looking for differences other than the ERs. Seems like an advantage if an ETF i...