Search found 12952 matches

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: 321

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: 570

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: 2
Views: 105

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: 536

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: 1404082

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: 3
Views: 230

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: 1791

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: 1527

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: 1404082

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: 3026
Views: 931946

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: 1247

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: 1061

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: 958

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: 958

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: 558

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: 1170

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: 417
Views: 20098

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: 417
Views: 20098

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: 747

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: 417
Views: 20098

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: 433

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: 747

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: 287

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: 1527

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: 972

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: 1061

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
by ruralavalon
Sat May 19, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1527

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

Welcome to the forum :) . Traditional deductible contributions are usually better for most people most of the time. Will you be eligible for Social Security? Will you be eligible for a significant pension? What other providers are a available in your 403b plan? You are right to stear clear of AXA, t...
by ruralavalon
Sat May 19, 2018 8:15 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: 417
Views: 20098

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

I disagreed. For a married couple, you need at least 1M before you can reach the 22% tax bracket at retirement. For a single person, you need at least 500K. A-ha, sorry for being slow on the uptake, now I get your reasoning. 22% married bracket starts at $77.4k. Add $24k standard deduction and you'...
by ruralavalon
Fri May 18, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund pick options - help me choose
Replies: 6
Views: 300

Re: 401k fund pick options - help me choose

I suggest Fidelity U.S. Bond Index Fund Premium Class (FSITX) ER 0.045% because it is an index fund, has a much lower expense ratio, and a better credit quality. @ruralavalon: Is it a good idea to invest in bond index funds even during these times? Are not bonds becoming less attractive from a retu...
by ruralavalon
Fri May 18, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund pick options - help me choose
Replies: 6
Views: 300

Re: 401k fund pick options - help me choose

Help me choose between the following in my 401k please and thank you For International: DODFX - Doge & Cox Intl, .63% ER FIADX - Fidelity Advisor Intl Discovery, .96% ER I suggest Dodge & Cox International Stock Fund (DODFX) ER 0.64% because is has a "value" investing style, a much lower turnover r...
by ruralavalon
Fri May 18, 2018 2:31 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: 417
Views: 20098

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

I haven't had a chance to read the entire thread yet, but I would think the really wise folks are going Roth because it provides for the most room for tax sheltered money. Specifically, there is no doubt at all that 18,500 in a Roth is worth more than 18,500 in a traditional. I think that "really w...
by ruralavalon
Fri May 18, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Basic questions about taxable accounts
Replies: 10
Views: 838

Re: Basic questions about taxable accounts

Welcome to the forum :) . Congratulations on your new job with the salary increase. It's good to see that you are debt free other than the mortgage note. A savings rate of 30% would be excellent. Hello, Please bear with me as I am new to all of this and just starting to learn about the basics. I am ...
by ruralavalon
Thu May 17, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Long term investment in grains/wheat
Replies: 22
Views: 1303

Re: Long term investment in grains/wheat

If you thought grains/wheat was a good long term investment (over a period of 10-15 years), what would the best way to make an investment in it? Tks. In my opinion grain futures (whether individual grains, or ETFs covering several grains) should only be used by professionals, like producers ( e.g. ...
by ruralavalon
Thu May 17, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3213

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

Hello, Quick question.. Would you transfer 25k from an Ally No Penalty CD @1.75% to Vanguard Prime Money Market VMMXX @ 1.87%. Obviously the rate is higher at Vanguard. From what I gather VMMXX is not FDIC insured but it is incredibly difficult to lose the value of each dollar there. My general rul...
by ruralavalon
Thu May 17, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 29
Views: 2168

Re: Do I pay towards my mortgage or invest?

Hi everyone, I got a good tax refund this year - a little over $10k. I have a mortgage of $480k @ 3.875% (30 yr fixed). I am thinking about putting this 10k towards the mortgage, and from my calculations, I save about 20k in interest over 30 years. Other options are - build a deck, take care of som...
by ruralavalon
Thu May 17, 2018 3:54 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: 417
Views: 20098

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

I just saw another comment where someone was touting the benefits of a pretax 401k vs a Roth where they said most people will be in a lower tax bracket in retirement so pretax is better. While that is a pair of factually correct statements. Most people will be in a lower bracket. And if you are in ...
by ruralavalon
Thu May 17, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 49
Views: 3696

Re: Should I Pay Off My Mortgage When I Retire?

Congratulations on your retirement :) .
MichDad wrote:
Wed May 16, 2018 6:24 pm
This is an update from the OP.

I retired on March 31st. Earlier this month, I paid off our mortgage (about ten months early). My sleeping habits haven't changed.

MichDad
Thanks for the update.

I think you did the right thing.
by ruralavalon
Thu May 17, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7544

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

SmilerUK wrote:
Thu May 17, 2018 2:02 am
greg24 wrote:
Wed May 16, 2018 10:15 am
Any respected macroeconomic expert should be advising you to put your life savings into bitcoin, not silver.
That was the second part of the conversation.
WOW :!:
by ruralavalon
Wed May 16, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7544

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

[ Please read this: "What if you only invested at market peaks?" The answer is: you would make a ton of money, in spite of investing at stock market peaks. Trying to time the stock market is a fool's errand. No one can successfully do that consistently. Besides guessing when the stock market top ha...
by ruralavalon
Wed May 16, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest after maxing out retirement?
Replies: 21
Views: 1742

Re: Where to invest after maxing out retirement?

I'm single, debt-free, currently rent, own a car outright, with two retirement accounts, one 401K and a Roth IRA. I have about $50,000 in savings now, and $6500 in gold. Would it be a good Boglehead thing to do to convert half my savings and my gold into a taxable investment portfolio that emulates...
by ruralavalon
Wed May 16, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7544

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Noob question :-) A highly respected friend of mine is an expert in macroeconomics, and warned me to stay away from stocks. He said that come October or March next year, there are likely to be big crashes. He said companies were artificially inflating their stocks. (I don't understand the detail!) ...
by ruralavalon
Wed May 16, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Large Personal Injury Settlement
Replies: 58
Views: 4859

Re: Large Personal Injury Settlement

Go slower. Reading your replies, you are going too fast. I would stop meeting with the advisor. Do nothing but read and learn for 6 months. Really. As you spend more time here a plan will form. Involving advisors is not in your long term best interest. Even if low fee, they will take control. $3 mi...
by ruralavalon
Wed May 16, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3922

Re: Three fund portfolio performance

Thank you for the charts. The charts provide a good look iver time. This helps me decide to telease the robo investor commitment and continue on with the split i currently use. Thanks again. Stick with it, the 3 ETFs you picked are good choices, you can manage your investments yourself. Continue in...
by ruralavalon
Tue May 15, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to learn more about Roth vs Traditional (403b)
Replies: 19
Views: 1328

Re: Would like to learn more about Roth vs Traditional (403b)

Hi everyone, thank you for all the advice I have received about my retirement allocations and strategy on the other thread. I have been reading as much as I can and have been convinced of the Boglehead way. I am at a stage where I am still working on increasing my contributions to the maximum allow...
by ruralavalon
Tue May 15, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: VBK [Vanguard Small Cap Growth]
Replies: 8
Views: 410

Re: VBK

Who should consider holding VBK? I’m trying to understand if it would add value in my portfolio. My plan would be to hold it in my Roth account for 20+ years by lowering the holding of TSM Appreciate everyone’s insight I have no personal experience with Vanguard Small-cap Growth ETF (VBK). Share pr...
by ruralavalon
Tue May 15, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404082

Re: U.S. stocks in freefall

Such confident predictions we see today, from both young and, old. It's simply amazing :shock: .
by ruralavalon
Tue May 15, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3026
Views: 931946

Re: What Book Are You Currently Reading? Part VI

Crazy Horse and Custer: The Parallel Lives of Two American Warriors by Stephen E. Ambrose I learned more about American Indian culture from reading this book than a visit to the new Smithsonian in Washington. I would highly recommend the book if you like history. I read that some time ago, it did g...
by ruralavalon
Tue May 15, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Large Personal Injury Settlement
Replies: 58
Views: 4859

Re: Large Personal Injury Settlement

Welcome to the forum :) . It's good to see that you are out of the weeds on recovery for the most part. Hello! I've just recently discovered this community and I'm very happy with the information and support you guys offer! A little about me - I am a 21y old male who lives in a high COL city in Cali...
by ruralavalon
Tue May 15, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help simplifying 401k
Replies: 7
Views: 634

Re: Help simplifying 401k

We don’t have any significant accounts other than our 401k’s currently. We plan on maxing Roth’s and the HSA starting in a few month (paying down some debt currently). My main focus is to simplify these 401ks and start minimizing our taxes. We did not plan this last year very well and come tax time...
by ruralavalon
Tue May 15, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3922

Re: Three fund portfolio performance

New to this site. I have participated in the three fund portfolio for two years and have yet to see any gains. Just a one time gain then a complete loss of the gain and part of original principal. Kind of disappointing. I could have gone to the casino for that kind of action. Started June 2017. Exp...