Search found 14659 matches

by ruralavalon
Sun Feb 17, 2019 1:08 pm
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 29
Views: 1056

Re: Help with 403b/457b

Thank you for your comment. Yes, my current employer's 403b plan explicitly allows Roth contributions. Here is what relevant overview info says: "A Roth 403(b) is available for after-tax contributions". I'm a bit confused by "after-tax" wording, though. Does it mean that I can contribute from autom...
by ruralavalon
Sun Feb 17, 2019 11:57 am
Forum: Personal Investments
Topic: New 401k suggestions
Replies: 13
Views: 1470

Re: New 401k suggestions

You have some great fund options offered in your 401k, you are fortunate :) . For your 401k my suggestion is: 1) 30%, BOND MARKET INDEX FUND, ER 0.03%; 2) 50%, S&P 500 EQUITY INDEX FUND, ER 0.01%; and 3) 20%, INTERNATIONAL INDEX FUND, ER 0.04%. What index is used by the international index fund? OR ...
by ruralavalon
Sun Feb 17, 2019 11:43 am
Forum: Personal Investments
Topic: money mkt vs short term bond fund?
Replies: 3
Views: 624

Re: money mkt vs short term bond fund?

Choose the fund or funds you want long-term, and buy those funds.

Don't try to time the market, it's just a guess what Federal reserve will do and when.
by ruralavalon
Sun Feb 17, 2019 11:38 am
Forum: Personal Investments
Topic: Terrible 401(k) Investment Options at Work
Replies: 2
Views: 161

Re: Terrible 401(k) Investment Options at Work

I recently joined a new company that is on the smaller side (< 200 employees and only $4M in AUM for 401-K plan). The plan is administered by Principal Financial Group and although they use non-PFG investment funds as well, the investment fees are extremely high. They range from 1% to 1.5% for bond...
by ruralavalon
Sun Feb 17, 2019 10:38 am
Forum: Personal Investments
Topic: Creating a Doable Universe for Spouse-Vanguard vs Schwab
Replies: 2
Views: 153

Re: Creating a Doable Universe for Spouse-Vanguard vs Schwab

My suggestion is to simply stay with Vanguard. I don't see any particular benefit to switching over to Schwab. In general my preference for funds and location of accounts is -- 1) Vanguard, 2) Fidelity, or 3) Schwab -- in that order of preference. Vanguard has by far the largest selection of low exp...
by ruralavalon
Sun Feb 17, 2019 8:15 am
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 29
Views: 1056

Re: Help with 403b/457b

Thank you for your comment. Yes, my current employer's 403b plan explicitly allows Roth contributions. Here is what relevant overview info says: "A Roth 403(b) is available for after-tax contributions". I'm a bit confused by "after-tax" wording, though. Does it mean that I can contribute from autom...
by ruralavalon
Sat Feb 16, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3576
Views: 1040510

Re: What Book Are You Currently Reading? Part VI

Nacho Unleashed, by Laurence Shames.

On Key West a retired mobster's tiny dog saves the day, thwarts a mad scientist and all ends happily.
by ruralavalon
Sat Feb 16, 2019 2:37 pm
Forum: Personal Investments
Topic: REIT index funds
Replies: 3
Views: 416

Re: REIT index funds

Please weigh in on REIT index funds (FSRNX, for example): do you account for them as equity or income producing in asset allocation? is one in it for the dividend, or share price? any cautions/red flags? I'm a bit overweight stocks, am looking to diversify, and am interested in alternatives to bond...
by ruralavalon
Sat Feb 16, 2019 2:10 pm
Forum: Personal Investments
Topic: Newlywed Financial Next Steps
Replies: 20
Views: 1198

Re: Newlywed Financial Next Steps

Welcome to the forum :) . Congratulations on your marriage. 1) I suggest doubling his 401k contributions to get the full employer match. 2) Pay off the $5.9k 401k loan. 3) Increase her 401k contributions to the employee maximum of $19k annually. You should both have term life insurance, and disabili...
by ruralavalon
Sat Feb 16, 2019 12:39 pm
Forum: Personal Investments
Topic: Old 401k asset rebalance suggestions
Replies: 2
Views: 111

Re: Old 401k asset rebalance suggestions

Hello all I recently received some very helpful guidance about moving to a 3 fund portfolio which I implemented this week. That has prompted me to look at my wife's old 401ks that she has had sitting in a Schwab account and a John Hancock account. Fortunately the Schwab account had similar if not t...
by ruralavalon
Sat Feb 16, 2019 9:52 am
Forum: Personal Investments
Topic: 401K vs. Roth Allocation Question
Replies: 4
Views: 282

Re: 401K vs. Roth Allocation Question

I'm about 10 years out from retirement and have 62/38 stock/bond allocation in my traditional 401K. I heard that it might be wise to have a heavier or all stock allocation in a Roth account to lessen taxes in retirement. I would like to get your thoughts if anyone else is doing this with your Roth ...
by ruralavalon
Sat Feb 16, 2019 9:32 am
Forum: Personal Investments
Topic: Fidelity vs Vanguard
Replies: 34
Views: 3004

Re: Fidelity vs Vanguard

Welcome to the forum :) . We are retired and have been Vanguard investors for many years. Recently, my husband made inquiries at Fidelity regarding his 401k (which is held by Fidelity). We received an invitation to meet an advisor and were given an aggressive sales pitch by a "financial advisor of h...
by ruralavalon
Sat Feb 16, 2019 9:08 am
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 29
Views: 1056

Re: Help with 403b/457b

Could you suggest relevant optimal setup for Fidelity (in case I decide / will be able to afford to participate in 403b/457b)? What account will be held at Fidelity? Taxable? Roth IRA? An employer plan? In which case we'd need to know the plan options. I was thinking about opening a Roth 403(b) acc...
by ruralavalon
Sat Feb 16, 2019 8:52 am
Forum: Personal Investments
Topic: VSMAX or VTMSX In Roth?
Replies: 12
Views: 1051

Re: VSMAX or VTMSX In Roth?

I went on website and it will allow me to buy the tax advantaged fund. A warning pops up saying it is not recommended but it says it is permissible to buy it I don’t know what to do. Buy VIOO or VTMSX and maybe it doesn’t matter. The expense ratio of VTMSX is less than VIOO and I prefer a mutual fu...
by ruralavalon
Sat Feb 16, 2019 8:40 am
Forum: Personal Investments
Topic: Why international?
Replies: 141
Views: 8988

Re: Why international?

just got this email from Vanguard yesterday in my inbox: https://vanguardblog.com/2019/02/14/the-case-for-global-equity-investing-and-a-happy-marriage/ persuasive argument. I'm 30% international. If I wanted to try market timing, the Vanguard article might be convincing about international outperfo...
by ruralavalon
Fri Feb 15, 2019 2:24 pm
Forum: Personal Investments
Topic: VSMAX or VTMSX In Roth?
Replies: 12
Views: 1051

Re: VSMAX or VTMSX In Roth?

Thanks for the reply I already hold the total stock market using a S&P 500, S&P 400 mid cap, and Russell 2000 small cap funds My reason for being interested in tax managed small cap is because it tracks the S&P 600 index which has average market cap that is much lower than the Russell 2000 I just w...
by ruralavalon
Fri Feb 15, 2019 12:41 pm
Forum: Personal Investments
Topic: Help with 403b/457b
Replies: 29
Views: 1056

Re: Help with 403b/457b

You have some excellent funds offered in your 403b/457 plans, you are fortunate :) . You should contribute to those plans if that is at all practical for you. In your 403b/457 I suggest: 1) 60%, Vanguard 500 Index Fund Admiral Shares (VFIAX) ER 0.04%; 2) 20%, Vanguard Developed Markets Index Fund Ad...
by ruralavalon
Fri Feb 15, 2019 12:31 pm
Forum: Personal Investments
Topic: How much should my net worth be if ...
Replies: 18
Views: 3027

Re: How much should my net worth be if ...

...Save about $1.2 million in all your buckets and have $500k in future dollars 22 years forward for your house. It is too far out to predict... Sorry, but $1.2M is nowhere near enough to target for a couple to retire on 22 years from now. It's barely enough to retire on comfortably in 2019... I wo...
by ruralavalon
Fri Feb 15, 2019 10:54 am
Forum: Personal Investments
Topic: Please help with 403b
Replies: 4
Views: 278

organ Re: Please help with 403b

Welcome to the forum :) . It's good to see that you are vigorously attacking the $200k 4.5% student debt, while making maximum contributions to your 403b and IRA. In my opinion the better funds to consider using in your 403b plan are: 1) TransAmerica Stock Index Fund R4 (a S&P 500 index fund) (TSTFX...
by ruralavalon
Fri Feb 15, 2019 9:50 am
Forum: Personal Investments
Topic: Fidelity International index options
Replies: 8
Views: 599

Re: Fidelity International index options

Hi, My wife and I want to increase our International exposure by rebalancing in our tax advantaged accounts. Currently all of our international exposure (5% of total portfolio - in VTIAX ) is held in our taxable account. Our Fidelity 403b accounts offer the best option for increasing our exposure t...
by ruralavalon
Fri Feb 15, 2019 9:37 am
Forum: Personal Investments
Topic: VSMAX or VTMSX In Roth?
Replies: 12
Views: 1051

Re: VSMAX or VTMSX In Roth?

Trying to decide between Vanguard small cap index and Vanguard tax managed small cap index for small cap sector of my portfolio I like the lower price-to-book of VTMSX but just doesn’t “feel right” holding a tax managed fund in a Roth account Does anyone else hold VTMSX in tax privileged accounts? ...
by ruralavalon
Fri Feb 15, 2019 8:43 am
Forum: Personal Investments
Topic: Why international?
Replies: 141
Views: 8988

Re: Why international?

Ok, we have established Vanguard doesn't have ulterior motives. Vanguard said International will do better than the US for the next 10 years, "over the next 10 years we expect international equity returns to outpace U.S. market returns and to reduce overall volatility when added to a U.S. equity po...
by ruralavalon
Thu Feb 14, 2019 4:04 pm
Forum: Personal Investments
Topic: Why international?
Replies: 141
Views: 8988

Re: Why international?

I trust Vanguard. I don't see any ulterior motive.

Trustworthy is not the same as accurate, valid, or reliable in predictions. Nobody has an crystal ball.
by ruralavalon
Thu Feb 14, 2019 1:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10240
Views: 1806389

Re: U.S. stocks in free fall

. . . . . All I did was keep living below my means and saving the excess; even as that excess declined with my means, I kept saving and investing - and things turned out alright. Worse than they could have been, but far better than most. I think that comparing your finances to a best case scenario ...
by ruralavalon
Thu Feb 14, 2019 12:50 pm
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 75
Views: 5991

Re: Theory: NOW is the Best Time for Total World Stock

Trying to call the "best time" for any investing move is futile in my opinion.
by ruralavalon
Thu Feb 14, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10240
Views: 1806389

Re: U.S. stocks in free fall

Of the factors you can control, the savings rate is probably the most important at least early in your investing life.
by ruralavalon
Thu Feb 14, 2019 8:47 am
Forum: Personal Investments
Topic: First job 401k options
Replies: 16
Views: 1002

Re: First job 401k options

Wow i really appreciate the time you’ve taken to help me- so thank you. Yes state income tax to MA. There’s a VMATX fund? Is that generally better than the vanguard intermediate tax exempt fund i see people talking about in the other threads, if I live here? It is AA rated and effective duration is...
by ruralavalon
Thu Feb 14, 2019 8:11 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 601
Views: 73756

Re: Post your Financial Milestone Announcements Here

So many at hand and near. Last tuition paid for eldest, getting his 2nd degree from an Ivy. Last for younger child coming this year too. 401k hit 500k. Overall invesment assets nearing a significant milestone this year... Lots to be happy about, as I contemplate FIRE. Congratulations on the last tu...
by ruralavalon
Wed Feb 13, 2019 4:05 pm
Forum: Personal Investments
Topic: First job 401k options
Replies: 16
Views: 1002

Re: First job 401k options

In regards to your questions, no I cannot make after tax contributions. Only payroll. There is no in service distributions while I’m young, only hardship. It does allow in plan Roth rollover. Also, I asked for a copy of the fee schedule beyond what was noted online in plan options and it seems the ...
by ruralavalon
Wed Feb 13, 2019 11:27 am
Forum: Personal Investments
Topic: 401k Fund Allocation
Replies: 2
Views: 253

Re: 401k Fund Allocation

Welcome to the forum :) . You have some excellent funds offered in your 401k, you are fortunate. You made a good choice in your reading material on retirement planning and investing. It's good to see that you are paying attention to investing expenses at age 35, a lot of us didn't wake up to the imp...
by ruralavalon
Wed Feb 13, 2019 10:51 am
Forum: Personal Investments
Topic: Help w/ Work Funds and Where to Invest after Max?!
Replies: 3
Views: 380

Re: Help w/ Work Funds and Where to Invest after Max?!

Welcome to the forum :) . It's great to see that you are contributing the employee maximum of $19k annually to your 401k. You have some very nice funds offered in your 401k, you are fortunate. I don't see a big advantage to using the Self Directed Brokerage Account. In your 401k I suggest using: 1) ...
by ruralavalon
Wed Feb 13, 2019 10:30 am
Forum: Personal Investments
Topic: Bond fund choice? MWTSX vs VBTLX
Replies: 6
Views: 415

Re: Bond fund choice? MWTSX vs VBTLX

Vanguard Total Bond Market Index Fund (VBTLX) has significantly higher average credit quality, has a much lower expense ratio, and is an index fund. Overall it is less risky. In my opinion reducing risk is the primary reason for a bond allocation. Metropolitan West Total Return is a good actively ma...
by ruralavalon
Wed Feb 13, 2019 9:50 am
Forum: Investing - Theory, News & General
Topic: Benefits of Fidelity vs Vanguard
Replies: 48
Views: 4667

Re: Benefits of Fidelity vs Vanguard

. . . . . . . . Right now my first priority is to close the Ameriprise portfolio... . . . . . I don't see me needing an advisor once I am set up. I want to simplify! I will be following the 3 or 4 fund portfolio recommendations on this forum. It becomes a matter of choice as to which funds work the...
by ruralavalon
Wed Feb 13, 2019 9:21 am
Forum: Personal Investments
Topic: Why international?
Replies: 141
Views: 8988

Re: Why international?

Why then is international diversification touted by all the financial advisers and also on Bogleheads? One word: Diversification I agree. The reason to buy an international stock fund is diversification. I would agree that in theory international diversification makes sense. Except, the way we are ...
by ruralavalon
Wed Feb 13, 2019 9:05 am
Forum: Personal Investments
Topic: Asset mix on 403b
Replies: 19
Views: 794

Re: Asset mix on 403b

After reviewing everyone's advice and researching I think I may go with a 3 fund portfolio even though I like the idea of adding the REIT and going to a 4 fund portfolio. I don't want to reduce my exposure to the total market balance that was suggested and ultimately reducing my potential profits. ...
by ruralavalon
Wed Feb 13, 2019 8:59 am
Forum: Personal Investments
Topic: First job 401k options
Replies: 16
Views: 1002

Re: First job 401k options

Welcome to the forum :) . Thanks! I was thinking about mainly doing the Ishares S&P 500 and the Ishares Eafe international... not sure what else. I do plan on setting up a Vanguard brokerage/taxable account in the near future so I can balance out this 401k with things I put in there. I suggest: 1) ...
by ruralavalon
Tue Feb 12, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3576
Views: 1040510

Re: What Book Are You Currently Reading? Part VI

Magic City, by James W. Hall.

An old photograph of the Clay vs. Liston boxing match of 1964 in Miami Beach leads to the unravelling of a 40 year old murder mystery and an anti-Castro CIA plot.
by ruralavalon
Tue Feb 12, 2019 1:47 pm
Forum: Personal Investments
Topic: First job 401k options
Replies: 16
Views: 1002

Re: First job 401k options

Welcome to the forum :) . Thanks! I was thinking about mainly doing the Ishares S&P 500 and the Ishares Eafe international... not sure what else. I do plan on setting up a Vanguard brokerage/taxable account in the near future so I can balance out this 401k with things I put in there. I suggest: 1) B...
by ruralavalon
Tue Feb 12, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5355

Re: Best ways to provide STRUCTURE to retired life

I think it depends on the person and how much work has been central to their lives. Some will need a new structure to be created so they are not lost with too much time on their hands. Others already have many interests and know what they want to do, whether it is planned on a schedule or is more l...
by ruralavalon
Tue Feb 12, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 5508

Re: Newlyweds and joint accounts for household expenses

We have always had just a joint checking account, we felt no need for anything more complicated than that.

We discuss major purchases, and neither of us has an allowance or limit for "personal" expenses. We are both fairly frugal.
by ruralavalon
Tue Feb 12, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5355

Re: Best ways to provide STRUCTURE to retired life

My employment provides a lot of structure to my life. The spouse argues this is a good thing and that without it I would be adrift and thus, must delay retirement until as late as possible. For those of you who benefit from structure, how do you achieve it in retirement? I don't mean a *self-impose...
by ruralavalon
Tue Feb 12, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3576
Views: 1040510

Re: What Book Are You Currently Reading? Part VI

DanMahowny wrote:
Tue Feb 12, 2019 11:45 am
Read 2 books in last 2 days.

. . . . .

#2- Hillbilly Elegy
I can relate to this one having grown up sorta poor in a crappy little town.
That's a very good book.

I could relate even though my own youth was much different.
by ruralavalon
Tue Feb 12, 2019 11:41 am
Forum: Personal Investments
Topic: Asset mix on 403b
Replies: 19
Views: 794

Re: Asset mix on 403b

Thanks yeah the new tax laws really squeezed me pretty bad honestly. As for the 15% it will bring me just underneath the threshold with out going over. My wife also increased hers by 3%. I guess we will go from their to see how that effects our monthly cash flow before making any more adjustments. ...
by ruralavalon
Tue Feb 12, 2019 11:36 am
Forum: Personal Investments
Topic: 401K Election Options
Replies: 6
Views: 428

Re: 401K Election Options

Thanks everyone for the feedback. I thought I would find some Contrafund lovers out there but it's nice to see a consistent message. What are your thoughts on the International Index fund I have available in my 401K (Fidelity International Index Fund - FSPSX). The standard Three-fund portfolio uses...
by ruralavalon
Tue Feb 12, 2019 10:25 am
Forum: Personal Investments
Topic: Asset mix on 403b
Replies: 19
Views: 794

Re: Asset mix on 403b

Thank you Exitstageleft and cyclingduo. I have reviewed both of your suggestions and have decided that the 3 fund setup may end up working out better for me than the target fund just because it gives me the ability to look at each funds performance and adjust accordingly. On a side note I have offi...
by ruralavalon
Tue Feb 12, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: Benefits of Fidelity vs Vanguard
Replies: 48
Views: 4667

Re: Benefits of Fidelity vs Vanguard

Congratulations on your imminent retirement :) . 1.Would it be worth investing 1/2 of my portfolio holdings in both companies and doing a like for like comparison in a year? 2. Does one have more to offer for ease of use than the other? I would not split the portfolio to use two firms. I prefer the ...
by ruralavalon
Tue Feb 12, 2019 8:39 am
Forum: Personal Investments
Topic: Should I transfer taxable account from Fidelity to Vanguard?
Replies: 12
Views: 1240

Re: Should I transfer taxable account from Fidelity to Vanguard?

Hello, I have a Fidelity account that has some funds that have been in there for a while. They were added when I was growing up, and I've never done anything really with managing them. They've grown quite a bit, however, I'm unsure if I should keep the money in these funds since they are basically ...
by ruralavalon
Tue Feb 12, 2019 8:26 am
Forum: Personal Investments
Topic: 401K Election Options
Replies: 6
Views: 428

Re: 401K Election Options

You wanna think long term with the 401k and go with low expense options. These would be my choices: Fid us bond inx ER .03 Fid tot mkt ER.02 Fid intl indx .05 +1 + 2. Those are the better funds to use in my opinion. You are fortunate to have such excellent funds offered in your 401k. Does it make s...
by ruralavalon
Tue Feb 12, 2019 8:00 am
Forum: Personal Investments
Topic: 403/457 Provider Choices
Replies: 27
Views: 665

Re: 403/457 Provider Choices

Thanks to all of you for the feedback. After receiving the rates and talking to my wife, we’re going forward with TIAA. We’re only contributing $100 per check initially until the prospective promotion comes. This will give us a good period to gain comfort with the service. We went 85% equities 15% ...