Search found 12409 matches

by ruralavalon
Sat Feb 24, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: New BH member, first time poster
Replies: 3
Views: 154

Re: New BH member, first time poster

Welcome to the forum :) . You can simply add information to your original post using the edit button (the pencil icon, near the upper right of your post), it helps a lot if all of your information is in one place. First, thanks to all on this board who support this community. Great discussions and I...
by ruralavalon
Sat Feb 24, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 60
Views: 7509

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I like the Wells Fargo banking/Vanguard investment option. I am very happy with WF online banking. Rarely write checks anymore. All our taxable accounts and IRAs are at Vanguard. Transferring money between Wells and Vanguard is easy peasy. Currently our 401ks, 403bs, etc. are at Fidelity or elsewhe...
by ruralavalon
Sat Feb 24, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: SEI, Charles Schwab, Vanguard?
Replies: 5
Views: 270

Re: SEI, Charles Schwab, Vanguard?

SEI is 60/40 large taxable, smaller traditional IRA and roth IRA. Regarding in-kind tranfer, this is where I don't understand how this will be done. Initially I want my funds to stay at and be managed by SEI because that is a known factor to me. I basically want to change advisors to a less expensi...
by ruralavalon
Sat Feb 24, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Need help selecting 403b funds
Replies: 8
Views: 167

Re: Need help selecting 403b funds

Welcome to the forum :) . It's always good to see someone starting young. You have some excellent funds offered in your 403b plan, you are fortunate. The plan is nice even without an employer match. . . . . . A little more information would be helpful What is the interest rate on your car loan, and ...
by ruralavalon
Sat Feb 24, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: SEI, Charles Schwab, Vanguard?
Replies: 5
Views: 270

Re: SEI, Charles Schwab, Vanguard?

Hello all, I am in an instituional growth and income portfolio with SEI funds with overall ER of .95. Add to that my FA's fees now at effective rate of .75. SEI typically will not sell funds to an individual investor, you need an in-between that has a selling agreement with SEI. My FA does not acti...
by ruralavalon
Fri Feb 23, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1394

Re: Inherited tIRA all in HAINX

What international stock funds are offered in the 401k/457 plans? Please give fund names, index or benchmark used, and expense ratio. It may be that you will want your international stock allocation in the 401k/457 rather than in the inherited traditional IRA. I'm not the OP, but I am a fellow Cali...
by ruralavalon
Fri Feb 23, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Wanna try a more risky fund in Roth IRA
Replies: 16
Views: 1171

Re: Wanna try a more risky fund in Roth IRA

Looking to drop $5500 for the first time into a Roth IRA. I want to try something a little more risky since I already have the traditional 3 fund 457b that I stick my money in. I have it narrowed down to three choices: 1) Vanguard Explorer VEXPX ER 0.44 2) Vanguard International Explorer VINEX ER 0...
by ruralavalon
Fri Feb 23, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Do bond ETFs like BND & TIPS diversify?
Replies: 4
Views: 414

Re: Do bond ETFs like BND & TIPS diversify?

Hey all! I had a question regarding Bond ETFs like BND & TIPS. Recently, with the interest rate going up, my BND & TIPS have seen capital loss & so far, I'm down 2.60% for BND & 1.86% for TIPS overall. I was wondering if ETFs actually have the same diversification as actual bonds? With bonds, you c...
by ruralavalon
Fri Feb 23, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Diversification
Replies: 7
Views: 559

Re: Diversification

29 with anout 100k in stocks 50 in 401k 50 in a brokerage. My 401k is 45% vanguard 500 index 35% vanguard total international stock index 10% mid cap index 10% small cap index. Your stock holdings are already well diversified. I am looking for thoughts and opinions on how to diversify the remaining...
by ruralavalon
Fri Feb 23, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Recent retiree - where to invest today
Replies: 23
Views: 1834

Re: Recent retiree - where to invest today

This is all very confusing. I retired last year and rolled my company stock over ($414,000) over into two vanguard tax deferred traditional ira funds (Wellesley admiral and 2015 retirement index fund). I did this in early July. Everything was fun through January of this year. I made $30,000 from my...
by ruralavalon
Fri Feb 23, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: What to do when no Admiral shares? Expense Ratio (Total World)
Replies: 20
Views: 1491

Re: What to do when no Admiral shares? Expense Ratio (Total World)

I've read the past posts about ETF's vs Mutual Funds in the forum. I understand that the cost is not that significant to have Investor shares until you reach the 10K needed for Admiral Shares. My question is if there is no admiral shares yet, is the cost still minuscule? I have VT (ETF Total World)...
by ruralavalon
Fri Feb 23, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Novice Investor looking for advice
Replies: 11
Views: 410

Re: Novice Investor looking for advice

Welcome to the forum :) . Low expenses are critical to long-term investing success. So definitely transfer the Roth IRAs and rollover traditional IRAs to a low cost provider like Vanguard. Sell the high expense funds you currently have, transfer the accounts and cash, and reinvest in low expense mut...
by ruralavalon
Fri Feb 23, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 60
Views: 7509

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I think "any of the a above" is the answer.

Make sure durable powers of attorney are in place, and are in the form satisfactory to the bank and fund firm. Vanguard has an agent authorization form that they want and may make things go smoother.
by ruralavalon
Thu Feb 22, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2855
Views: 895014

Re: What Book Are You Currently Reading? Part VI

Havana Hustle, by John Leslie.

In the lower Keys an ex-cop from Miami and an assistant prosecutor search for a key witness in the murder prosecution of the brother of a local big wig, amid a bunch of corrupt politicians.
by ruralavalon
Thu Feb 22, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1394

Re: Inherited tIRA all in HAINX

Harbor International Fund went up 22.9% in 2017. So it did pretty well and I would not feel like it's anywhere near a bad or non-diversified investment. Yep, eventually an indexed portfolio is the way to go, but it's not an emergency and you can do transfers when convenient. . . . . . The expense r...
by ruralavalon
Thu Feb 22, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1394

Re: Inherited tIRA all in HAINX

Except the inherited IRA is held at Schwab, so the Vanguard Total International index fund would probably not be commission-free at Schwab. One may not even want to use an international fund in the IRA. One may wish to use a bond fund for instance and make adjustments elsewhere in the total portfol...
by ruralavalon
Thu Feb 22, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266213

Re: U.S. stocks in freefall

What do I do with my bond funds that have been dropping like a rock? I'm already at 80/20 but I still feel absolutely screwed by my bond fund allocations. I have the risk tolerance for 90/10 but it just sickens me to sell VBTLX at such a huge loss. Please develop some perspective. Vanguard Total Bo...
by ruralavalon
Thu Feb 22, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5329

Re: Update: Yikes, I waited too long, am I [too late]? 50k to invest

You have 20 years until retirement and not a lot of money. I'm not sure people's rationale for a 60/40 portfolio. That's very conservative. I'd be more like 90/10. At age 45 a 60/40 asset allocation is not "very conservative", it's a little conservative. Some would consider it fairly normal. A 60/4...
by ruralavalon
Thu Feb 22, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5329

Re: Update: Yikes, I waited too long, am I [too late]? 50k to invest

If you did not contribute to your Roth IRA for 2017, you can contribute for 2017 anytime before tax day 2018. You can contribute the amount of your earned income up to $5.5k, contribute now for 2017, don't wait until the last minute. You say you can contribute to "$500 to 1k per month" ($6k-12k/year...
by ruralavalon
Thu Feb 22, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 19
Views: 1255

Re: Help choosing 401k options

What are the current sizes (in dollars) of the two accounts? Is there enough money in the Roth IRA to purchase the two funds? The initial minimum investment is $3k for each fund. 401k: 14K Roth: 3K Currently, in my Roth, I have all my money in Vanguard Target Retirement 2055 Fund. Initially, my tho...
by ruralavalon
Thu Feb 22, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor Advice
Replies: 7
Views: 928

Re: Young Investor Advice

I prefer holding bonds in a tax-deferred account like a 401k whenever possible. You really want to avoid holding in taxable when possible because you have to pay taxes on all the dividends, and it's not a favorable rate. You want to avoid holding in Roth because you want your Roth to grow as much a...
by ruralavalon
Thu Feb 22, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 22
Views: 2673

Re: Where to put 6 months of living expenses(emergency fund) ?

We currently have about 6 months of living expenses(our emergency fund, in case we lost our jobs, etc.) in the Vanguard Prime Money Market fund. Is this a good choice, or is there a better choice ? Maybe some sort of account that earns more interest for us? We also use this account occasionally to ...
by ruralavalon
Wed Feb 21, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266213

Re: U.S. stocks in freefall

wrongfunds wrote:
Wed Feb 21, 2018 2:49 pm
what happened? There has been no new entry under this topic for 3 trading days. How am I supposed to know if the US stocks are in freefall or not?
Somebody fixed the anti-gravity device, so things are falling up again.
by ruralavalon
Wed Feb 21, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1394

Re: Inherited tIRA all in HAINX

Welcome to the forum :) . Sorry for your loss. Hello Boglesheads, I recently inherited (as a non-spouse) about $80,000 in a tIRA held at Schwab all of it in HAINX (Harbor International). I believe I can take distributions based on my life expetancy (I am 52 y.o.) as the original account holder (my D...
by ruralavalon
Wed Feb 21, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds
Replies: 7
Views: 574

Re: Bond funds

thank you for the responses thusfar. I will try to give some basics. will invest in taxable account since I already max profit share 401K, backdoor Roth. Currently all accounts with Vanguard and most are in index funds or target retirement funds. I am trying to put some "extra" money in more tax ef...
by ruralavalon
Wed Feb 21, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds
Replies: 7
Views: 574

Re: Bond funds

Welcome to the forum :) . I am new to the forum, first post, but have read a number of the Boglehead pubs. I have just had some return of a small real estate investment, looking to reinvest in bond fund. I have way too much stock and not enough bonds in portfolio. I am looking for low cost ratio sug...
by ruralavalon
Wed Feb 21, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Sponsored 401K Fund Question
Replies: 7
Views: 466

Re: Employer Sponsored 401K Fund Question

What index is used by the International Equity Index Fund, ER 0.11%? The index used is the Morgan Stanley Capital International All Country World Excluding-US Index Investable Market Index. Excellent. That is a very diversified total international stock index fund, investing in stocks of both large...
by ruralavalon
Wed Feb 21, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5329

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Age 45 is not to late to make a difference in retirement saving. Please do avoid the "free dinner guys" and their shoddy investments. :( *big sigh* OK, I am 45 and don't have an opportunity for a 401k and I haven't really contributed into social security. Yikes. Where did the time go??? Have you bee...
by ruralavalon
Wed Feb 21, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Employer Sponsored 401K Fund Question
Replies: 7
Views: 466

Re: Employer Sponsored 401K Fund Question

What index is used by the International Equity Index Fund, ER 0.11%?
by ruralavalon
Wed Feb 21, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: 401K S&P 500 Index vs. VTSAX
Replies: 8
Views: 804

Re: 401K S&P 500 Index vs. VTSAX

Great! Thank you all for the insight - I appreciate the clarifications. I will continue as suggested, and possibly open up a Roth IRA. Good decision. A S&P 500 index fund covers 81% of the U.S. stock market, investing in stocks of selected large-cap and mid-cap companies. Over the 25 years since th...
by ruralavalon
Wed Feb 21, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 19
Views: 1255

Re: Help choosing 401k options

What are the current sizes (in dollars) of the two accounts? Is there enough money in the Roth IRA to purchase the two funds? The initial minimum investment is $3k for each fund. 401k: 14K Roth: 3K Currently, in my Roth, I have all my money in Vanguard Target Retirement 2055 Fund. Initially, my tho...
by ruralavalon
Tue Feb 20, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 19
Views: 1255

Re: Help choosing 401k options

I am totally confused about your last two posts. You currently invest $750/month x 12 = $9,000/year in your 401k. You currently invest $220/month x 12 = $2,640/year in your Roth IRA. Total = $11,640/year. But you also say you plan to make the maximum contribution to the Roth IRA (which would be $5,...
by ruralavalon
Tue Feb 20, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 22
Views: 2673

Re: Where to put 6 months of living expenses(emergency fund) ?

Thanks all. Our mortgage will be paid off in August. I work part time and my wife is going to switch to part time soon. Once the mortgage is paid off, do you think the emergency fund of $50,000 is excessive and should be reduced? After the mortgage is paid off, then how much would be necessary to c...
by ruralavalon
Tue Feb 20, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 15
Views: 1377

Re: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)

It appears that your income (federal tax bracket 33%) is too high to receive a deduction for traditional contributions to an IRA, and too high to make regular Roth IRA contributions. Is there a High Deductible Health Plan (HDHP) offered at work so that you are eligible to use a Health Savings Accoun...
by ruralavalon
Tue Feb 20, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Help deciding on 401k options
Replies: 6
Views: 474

Re: Help deciding on 401k options

Welcome to the forum :) . Some additional information might be helpful. What is your age? What is your tax bracket, both federal and state? What is your tax filing status? Do you have any debt, if so what types, amounts and interest rates? Is this your only account? Do you have an IRA? Is there an e...
by ruralavalon
Tue Feb 20, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 22
Views: 2673

Re: Where to put 6 months of living expenses(emergency fund) ?

Vanguard Prime Money Market Fund ( currently have about 6 months of living expenses(our emergency fund, in case we lost our jobs, etc.) in the Vanguard Prime Money Market fund. Is this a good choice, or is there a better choice ? Maybe some sort of account that earns more interest for us? We also u...
by ruralavalon
Mon Feb 19, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover [after job loss]
Replies: 6
Views: 425

Re: 401K rollover [after job loss]

Thanks for the responses. We are %28 federal, and best I can tell 5.5 state. not exactly sure of her detailed investments. It's basically in asset allocation at about 75% stock and 25% bonds. We will eventually be retiring in NC if all goes as planned.I think I will call Vanguard tomorrow and see w...
by ruralavalon
Mon Feb 19, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2855
Views: 895014

Re: What Book Are You Currently Reading? Part VI

River of Grass, by Marjory Stoneman Douglas.

This is a history of Florida and the Everglades through the creation of Everglades National Park in 1947.
by ruralavalon
Mon Feb 19, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account advice
Replies: 3
Views: 388

Re: Taxable account advice

Turn off any automatic reinvestment of dividends you may have set up in the taxable account, direct the dividends to a money market fund and periodically invest the money in Vanguard Total Stock Market ETF (VTI). If you have any stocks with capital losses in the taxable account, then sell stocks wit...
by ruralavalon
Mon Feb 19, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover [after job loss]
Replies: 6
Views: 425

Re: 401K rollover [after job loss]

Welcome to the forum :) . What is your tax bracket, both federal and state? What funds is she using in her 401k account from the former employer? Please give fund names, tickers and expense ratios. Is there an account maintenance fee charged if she leaves her 401k account there? Hello, was wanting i...
by ruralavalon
Mon Feb 19, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: 401K options, I think I can choose better funds
Replies: 16
Views: 590

Re: 401K options, Ii think I can have choose better funds

Personally I would choose FUSVX FID 500 INDEX and FSIVX FID INTL INDEX at your chosen split and contribute as much as possible while then proceeding to forget about it for a couple of decades. :D +1 Maybe 75% FUSVX and 25% FSIVX I agree with the FUSVX but why not instead of FSIVX do FSEVX. The turn...
by ruralavalon
Mon Feb 19, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: 401K options, I think I can choose better funds
Replies: 16
Views: 590

Re: 401K options, Ii think I can have choose better funds

In selecting funds to use strive for a combination of broad diversification (to decrease your risk) and low expense ratios (to increase your net return). In my opinion in your 401k the better funds to consider using include: 1) Fidelity 500 Index Fund Premium Class (FUSVX) ER 0.035% 2) Fidelity Tota...
by ruralavalon
Mon Feb 19, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor Advice
Replies: 7
Views: 928

Re: Young Investor Advice

Welcome to the forum :) . Asset allocation. At age 28 I suggest about 20% in bonds. This is expected to significantly reduce portfolio volatility (risk) with only a relatively small decrease in portfolio returns. Please see the wiki article "Asset Allocation" and the wiki article "Boglehead's Invest...
by ruralavalon
Mon Feb 19, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Time for a short term bond etf?
Replies: 8
Views: 1032

Re: Time for a short term bond etf?

Thanks to all who replied. Dbr, your words stung a bit (not your intention, I'm sure) but were the jolt I needed to re-examine my thinking. I fear I've fallen prey to media chatter and betrayed some basic Boglehead principles! Though I have been index investing with Vanguard in my IRAs for quite a ...
by ruralavalon
Sun Feb 18, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Time for a short term bond etf?
Replies: 8
Views: 1032

Re: Time for a short term bond etf?

I am a little light in the bond portion of my retirement portfolio. I need to soon put about 6k into my Vanguard SEP-IRA in any case, and am wondering whether it should be BND, VCSH, BSV or something else. The rest of my bond holdings are in total/intermediate bond funds, but are in my Roth-IRA or ...
by ruralavalon
Sun Feb 18, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 535

Re: Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloc...
by ruralavalon
Sun Feb 18, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 15
Views: 1018

Re: Emerging Markets or Total International Market?

:shock: Hi. I'm 31, just started saving serious money, and recently read A Random Walk Down Wall Street, which convinced me of the wisdom of indexing rather than stock picking. I'm about to purchase my first index funds and I'm thinking a 50/50 split between a total US domestic and international mar...
by ruralavalon
Sun Feb 18, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1382

Re: Expected return of US vs International, basic question

randomizer wrote:
Sun Feb 18, 2018 12:43 pm
World market cap weight and forget about it.
Or 20-30% of stocks in international stocks, and forget about it.
by ruralavalon
Sun Feb 18, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Small/Mid cap correlation
Replies: 5
Views: 514

Re: Large/Small/Mid cap correlation

Looking at VTI vs VOO there does not seem to be a whole lot of difference during the last correction: VTI -9.83% VOO -10.08% Would there be many cases when the performance between the two would be radically different? I know VOO is large-cap only and VTI includes mid and small cap as well. In gener...