Search found 12976 matches

by ruralavalon
Sun May 27, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 26
Views: 2555

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Welcome to the forum :) . Just came across this article and thought he does make a good point, especially considering we are well overdue for a recession.. stocks have been very overvalued for a while and I having really been sure what to do, what do you guys think of his advice? Is anyone doing som...
by ruralavalon
Sun May 27, 2018 7:13 am
Forum: Investing - Help with Personal Investments
Topic: 401K Reallocation
Replies: 5
Views: 405

Re: 401K Reallocation

On that note, I currently have a 401k account with my employer through Principal, and currently have split ~200k into the Principal Stable Value Z Fund and the Schwab Institutional Fixed Income Core Plus Trust Class III offerings they have. Choose these mainly for the low risk as I have about $150k...
by ruralavalon
Sat May 26, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Switching jobs, what to do with 401k
Replies: 13
Views: 1133

Re: Switching jobs, what to do with 401k

Welcome to the forum :) . I am changing jobs and am curious what to do with my 401k. I understand that I can roll it over to an IRA, but then I might not be able to do a backdoor roth conversion down the line (I will be making >125k) I can also convert it to my future employer's plan but I'm contrac...
by ruralavalon
Sat May 26, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: low fee index fund suggestions
Replies: 15
Views: 970

Re: low fee index fund suggestions

Welcome to the forum :) . Hello everyone, We (wife and I) would like to put money that is in her Roth for last year against a low fee index fund, that is aggressive and beats the market substantially, but doesn't need a huge minimum investment. The person at the bank that buys our stuff for investme...
by ruralavalon
Sat May 26, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 51
Views: 5988

Re: Schwab Vs Fidelity Vs Vanguard

I recommend Fidelity and Schwab. Vanguard is "just fine" but I don't actively recommend them because I have run into IT and customer service issues here. Each broker has their issues, but most of my issues have been caused by Vanguard. There is absolutely nothing wrong with Vanguard funds or ETFs. ...
by ruralavalon
Fri May 25, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Reallocation
Replies: 5
Views: 405

Re: 401K Reallocation

On that note, I currently have a 401k account with my employer through Principal, and currently have split ~200k into the Principal Stable Value Z Fund and the Schwab Institutional Fixed Income Core Plus Trust Class III offerings they have. Choose these mainly for the low risk as I have money in in...
by ruralavalon
Fri May 25, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3035
Views: 934368

Re: What Book Are You Currently Reading? Part VI

Noir , by Christopher Moore. This is a spoof of Raymond Chandler or Dashiel Hammet style novels, set in San Francisco in 1947, and begins with an beautuliful young blonde woman walking into a bar. The cast of characters includes -- the hero bartender, the attractive blonde, the bartender's Chinese ...
by ruralavalon
Fri May 25, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Expenses now are 50k a year...can I plan that for retirement?
Replies: 12
Views: 1086

Re: Expenses now are 50k a year...can I plan that for retirement?

Hello Bogleheads! I'm using the Vanguard Retirement Income Calculator and trying to get an idea of how much income I'll need in retirement with a retirement age goal of 55-57. Currently, we have a toddler but plan to have another in the coming years, so I expect our expenses to increase. Right now ...
by ruralavalon
Fri May 25, 2018 6:44 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: 464
Views: 24438

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

Expenses in retirement are often lower. For a time. Maybe a decade or more, depending on your health. But there will come a time when you have to hire someone to do things you are no longer capable of doing. You may have to move into assisted living, or a nursing home. You may have health costs not...
by ruralavalon
Thu May 24, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3035
Views: 934368

Re: What Book Are You Currently Reading? Part VI

Now part way through River of Doubt by Candice Millard, true and riveting story of Teddy Roosevelt and his last great (and almost fatal) adventure exploring uncharted river in Brazilian Amazon rainforest. And so it goes. I will be interested to hear what you think of it. I received it as a birthday...
by ruralavalon
Thu May 24, 2018 1:19 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: 464
Views: 24438

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

We are definitely not among the super wealthy posting here, neither of us ever making more than six figures annually during our working lives. However, we have saved well, invested well and have SS and a small pension (One of us). Most of our assets are in retirement accounts, and we are in a highe...
by ruralavalon
Thu May 24, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: About to retire and at an almost total loss.
Replies: 15
Views: 4795

Re: About to retire and at an almost total loss.

It's good to see that you are debt free, other than the mortgage note. Hi folks,I have been browsing this site and MMM for several years now and was pretty sure what I was doing to save for retirement was right for me but as the time gets closer I get less confident. I have a small manufacturing bus...
by ruralavalon
Thu May 24, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Selling Rental House, Completely Lost on How to Invest
Replies: 7
Views: 694

Re: Selling Rental House, Completely Lost on How to Invest

Welcome to the forum :) . Hi all, I'm new to the forums, so please excuse me if I ask a question that I didn't find specifically here elsewhere. I'm 37 and am selling my rental house in Las Vegas (I live in an apartment in Texas) after hearing the market has been going up recently. I bought the hous...
by ruralavalon
Thu May 24, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 60
Views: 9283

Re: How big a portfolio should I have before retiring?

50 x annual spending is very conservative. If 50 x annual spending is what it takes to make you feel comfortable, so be it.
by ruralavalon
Thu May 24, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 4
Views: 448

Re: Help with asset allocation

Updated with information suggested by ruralavalon and magicat : Age: 32 Years until retirement: 25-30+ At age 32 I suggest about 20 - 25% in bonds. This is expected to substantially reduce portfolio volatility (risk), with only a relatively slight decrease in portfolio return. Graph, "An Efficient ...
by ruralavalon
Thu May 24, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: 401k funds please help me chose.
Replies: 26
Views: 1556

Re: 401k funds please help me chose.

I'm looking back at my statement and I think I meant to say that I can split contributions between Trad 401k and Roth 401k. I don't see anywhere as to how I can dedicate specific funds to one vs another. I only have a percentage split between the two. I think I'm going to start with those funds in ...
by ruralavalon
Thu May 24, 2018 8:43 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: 464
Views: 24438

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

With housing and kids education paid off, you will need less income. You may not need to pull as much from deferred accounts. Early retirement may be a factor as well. And- moving to a lower tax state would definitely make tax deferral pay off. Expenses in retirement are often lower. For us there w...
by ruralavalon
Wed May 23, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for investing.
Replies: 8
Views: 417

Re: Recommendations for investing.

Contributing to traditional deductible IRAs may be better than contributing more to your Roth IRA, depending on your tax bracket, so please find that out first.
by ruralavalon
Wed May 23, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for investing.
Replies: 8
Views: 417

Re: Recommendations for investing.

I am 49 years old female, self-employed and own a small business that does not earn that much per year, but enough to get me by and put maximum $5500 toward retirement per year (possibly more if it starts earning more). I opened a Roth IRA 2 years ago (yes I know I'm extremely late to this game). I...
by ruralavalon
Wed May 23, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for investing.
Replies: 8
Views: 417

Re: Recommendations for investing.

Welcome to the forum :) . Age 49 is late, but not too late for saving and investing to make a difference for you. I think that simply using a target date fund is probably better for you at this stage. If and when your business starts to do better, then consider a SIMPLE IRA. For now just using a re...
by ruralavalon
Wed May 23, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for investing.
Replies: 8
Views: 417

Re: Recommendations for investing.

Welcome to the forum :) . Age 49 is late, but not too late for saving and investing to make a difference for you. I think that simply using a target date fund is probably better for you at this stage. You could consider something more complex when your total balance is larger. If and when your busin...
by ruralavalon
Wed May 23, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k funds please help me chose.
Replies: 26
Views: 1556

Re: 401k funds please help me chose.

There is no image for me. If you don't get the answer you are looking for, just type out the 3 or 4 funds you are considering. I don't see any reason to hold money for retirement in money market for more than a day or so. Maybe you have ad blocker? I tried on another browser without login and it is...
by ruralavalon
Wed May 23, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help simplifying 401k
Replies: 13
Views: 927

Re: Help simplifying 401k

Age: 36 Desired Asset allocation: 85% stocks / 15% bonds Desired International allocation: 20% to 25% of stocks Current retirement assets his 190k, hers 150k Contributions New annual Contributions His 401k planned $18,500 + roughly 9,000 employer match Her 401k planned $18,500 + roughly 12,000 empl...
by ruralavalon
Wed May 23, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: 401k funds please help me chose.
Replies: 26
Views: 1556

Re: 401k funds please help me chose.

SO I finally rolled in into Fidelity 401k and I have more questions Apparently, my company has Brokerage Link account, in addition, to funds on the list. Question 1. Does it make sense to use it? All funds transfer between 401K and Brokerage Link account has to be done throw SPAXX. 2. Are there any...
by ruralavalon
Tue May 22, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Savings ear marked for Roth IRA. Bad idea?
Replies: 6
Views: 350

Re: Savings ear marked for Roth IRA. Bad idea?

I've got 22k in savings earmarked for the next two years of Roth IRAs. -Should I just leave it earning 1.75% for now? -It will go into Vanguard Int. Stock. Should I just put it in there now and withdraw it at each year's end (assuming it makes money)? -Some other option? We are maxing out all other...
by ruralavalon
Tue May 22, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Saving for a new baby
Replies: 6
Views: 623

Re: Saving for a new baby

Congratulations on your new baby :) .
by ruralavalon
Tue May 22, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: 401K Reallocation
Replies: 5
Views: 405

Re: 401K Reallocation

-- please list all the options, tickers, and their ER. otherwise no one knows what they are. -- what is the stable value currently paying? -- what is your overall AA? why does risk mitigation matter so much for a 20 year time frame? Also what other account(s) do you have, and what fund(s) are you u...
by ruralavalon
Tue May 22, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Seeking 401k advice
Replies: 8
Views: 562

Re: Seeking 401k advice

Hi all, I am 38 years old and am deciding what to do with my 401k after changing jobs. I have been in a 2045 target date fund and paying an expense ratio of 0.74% (which I understand is not bad but I can do better). I can leave it where it is in the target date, change my selections in my old 401k ...
by ruralavalon
Tue May 22, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1406793

Re: U.S. stocks in freefall

Warren Buffett is a professional investor with a once-in-a-generation talent for his profession. It's hard for me to see the relevance of his professional investing strategy to ordinary people who don't have the time, talent, money, or inclination to do what he does. To the extent that he offers in...
by ruralavalon
Tue May 22, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 4
Views: 448

Re: Help with asset allocation

Welcome to the forum :) . You have excellent fund choices offered in your 403b plan, you are fortunate. Hello, I'm looking for assistance with asset allocation of my employer 403b with current value of approximately $200,000. I'm currently allocated 90% stocks and 10% bonds (VBTIX). At this time, my...
by ruralavalon
Tue May 22, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market
Replies: 12
Views: 1880

Re: Total Bond Market

What are the pro's and con's to continue to hold this fund is this steadily upward trend in yields? :? Thank You The pros of continuing to hold a total bond market fund are the relative safety and stability (compared to stocks) it brings to your portfolio, the increased yield, and the possibility o...
by ruralavalon
Tue May 22, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1598

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

Thanks, that's very helpful so I can share it with people when they ask me. I just hate to see people being taken advantage of. Now I just need to figure out if it's better in my situation for me to contribute to the 403(b) or the IRA. Seems like a lot of mixed opinions. But I feel really good abou...
by ruralavalon
Mon May 21, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1406793

Re: U.S. stocks in freefall

I don’t take it that way. For a buy and hold investor both can be true: When the market is going up you are rebalancing to your predetermined asset allocation. If, for example, your AA is 60/40 you don’t let it mushroom to 80/20. This is being “afraid when others are greedy”. When the market is dow...
by ruralavalon
Mon May 21, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3035
Views: 934368

Re: What Book Are You Currently Reading? Part VI

The Acadian Exiles , by Arthur G. Dougherty. This history was published in 1916, based on primary sources. This is a history of the French settlement of Canada's Maritime Provinces starting in 1604, the multiple shifts of the territory between English and French control, and finally the mass forced...
by ruralavalon
Sun May 20, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: International -- VXUS or slice and dice?
Replies: 14
Views: 1299

Re: International -- VXUS or slice and dice?

My question is, what do Boglehead's tend to use for their International allocation, and what's the typical range of slice and dice, if any? Curious if it seems worth it. Age 72, retired, 50/50 asset allocation. We have 25% of stocks in international stocks and use only Vanguard Total International ...
by ruralavalon
Sun May 20, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Advice
Replies: 10
Views: 1091

Re: Taxable Account Advice

Just to clarify, what exactly are you referring to by taxable account? Another retirement account (one not through your employer) where you invest your pre-tax dollars? A taxable account is any account that is not “tax-advantaged.” In this case probably a brokerage account. In other words a taxable...
by ruralavalon
Sun May 20, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help me streamline to a 3 or 4 fund strategy
Replies: 11
Views: 986

Re: Help me streamline to a 3 or 4 fund strategy

2. When looking to park my $10K to start a housing downpayment fund, I am looking at VMSXX or a California municipal bond fund. I am having difficulty parsing which fund is ideal for my circumstances? . . . . . Tax Filing Status: Single Tax Rate: 32% Federal, 9.3% State State of Residence: Californ...
by ruralavalon
Sun May 20, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help me streamline to a 3 or 4 fund strategy
Replies: 11
Views: 986

Re: Help me streamline to a 3 or 4 fund strategy

Age: 33 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 30-40% of stocks At age 33 I suggest about 20 - 25% in bonds. This is expected to substantially reduce volatility (risk), with only a relatively slight decrease in return. Graph, "An Efficient Frontier: the p...
by ruralavalon
Sun May 20, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Investment allocation
Replies: 13
Views: 578

Re: Investment allocation

Investing newbie here. Should an asset allocation be the same across all accounts or vary depending on type? I know that certain asset classes are better in certain accounts - ex tax advantages vs tax deferred. I understand this conceptually but don’t know which classes should go where. For ex I op...
by ruralavalon
Sun May 20, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's Tax Managed Balanced Fund (VTMFX) truly passive/Index??
Replies: 16
Views: 1204

Re: Is Vanguard's Tax Managed Balanced Fund (VTMBF) truly passive/Index??

VTMFX is the ticker, and no, it is not a passive, index fund. Paul Thanks Paul, I corrected the ticker. 1. Would you say that it's "almost" an index fund? 2. For those of us who believe in the passive philosophy, do you consider this a major "no no"? 1210 According to Morningstar Vanguard Tax-Manag...
by ruralavalon
Sun May 20, 2018 10:52 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: 464
Views: 24438

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

The real number is 28% of civilian workers have access to a DB pension plan. Interestingly, 42% of "Management, professional, and related" have access to a DB pension, as do 48% of those whose civilian wages fall in the "top 10%" category. https://www.bls.gov/ncs/ebs/benefits/2017/ownership/civilia...
by ruralavalon
Sun May 20, 2018 9:54 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: 464
Views: 24438

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

So far every hypothetical example of a Roth being better has mentioned pensions. Do people still have pensions? I feel like this is an increasingly irrelevant thing in today's society that is muddying up discussions. I don't have a pension. Yes, some people do still have pensions. link to prior pos...
by ruralavalon
Sun May 20, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Begin With ETF's or Wait Until 3k?
Replies: 15
Views: 774

Re: Roth IRA: Begin With ETF's or Wait Until 3k?

I'm still learning, so maybe I'm missing something. With Vanguard, aren't a lot of the ETFs the same as the MFs but with a better expense ratio if you aren't able to hit the Admiral level? I'm not understanding the downside for using the ETFs in a Roth IRA, so I'm thinking I'm missing something. Va...
by ruralavalon
Sat May 19, 2018 8:50 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: 464
Views: 24438

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

However there are Required Minimum Distributions for Roth 401ks. ...P.S.: You are wrong. There is an RMD requirement for Roth 401K. https://www.investopedia.com/articles/retirement/06/moreonroth401k.asp Let's use a more authoritative (and current) source: Roth Comparison Chart | Internal Revenue Ser...
by ruralavalon
Sat May 19, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: SWPPX vs Vanguard Institutional 500 Index TRUST
Replies: 6
Views: 457

Re: SWPPX vs Vanguard Institutional 500 Index TRUST

the dividend gets reinvested in the fund. it literally is no different. I agree. Ok so given I only have the option of the Vanguard Instirutional 500 Index TRUST, I would prefer to be in a total market fund. Should i move that money to Schwab to buy their total market fund or would y'all recommend ...
by ruralavalon
Sat May 19, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Begin With ETF's or Wait Until 3k?
Replies: 15
Views: 774

Re: Roth IRA: Begin With ETF's or Wait Until 3k?

mcraepat9 wrote:
Sat May 19, 2018 12:53 pm
Why not just hit the $1k threshold and invest in a Vanguard Target Date Fund (which has a $1k minimum investment)?
This or Vanguard STAR Fund (VGTSX) which also has an initial minimum investment of just $1k.
by ruralavalon
Sat May 19, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investment suggestion
Replies: 3
Views: 305

Re: Short term investment suggestion

Welcome to the forum :) . What is your age? What is the $30k invested in currently? I have about 30K in my rollover IRA account that I have opened recently. I may need these funds in next 9-10 months. Looking for some low risk investment options .. may be short term bond funds/ETFs or so. Considerin...
by ruralavalon
Sat May 19, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1598

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

I live in Connecticut, which has one of the most underfunded pension systems in the country. I fear that 30 years from now when I go to retire it will be gone, and I haven't paid into Social Security, so it would be a complete doomsday scenario for me. Now if all goes well and I retire at 60 I beli...
by ruralavalon
Sat May 19, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Why diversify 401k
Replies: 14
Views: 994

Re: Why diversify 401k

Thank you ruralavalon for a very detailed response, very much appreciated! Welcome to the forum :) . You have excellent fund choices offered in your 401k, you are fortunate. It's good to see that you are making the maximum contributions to your 401k. PRGFX may be the same as or similar to T. Rowe P...
by ruralavalon
Sat May 19, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Advice
Replies: 10
Views: 1091

Re: Taxable Account Advice

Yes Total stock is very good for taxable you may want to also use a total international also /www.bogleheads.org/wiki/Tax-efficient_fund_placement +1 for Total Stock and Total International Stock. + 2 for Vanguard Total Stock Market Index Fund and Vanguard Total International Stock Index Fund