Search found 13148 matches

by ruralavalon
Tue Jun 19, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 21
Views: 1245

Re: American Funds SIMPLE IRA Advise

New question.... If I was in a 5305- SIMPLE is that when you do a freeze simple and have to then transfer every bi weekly contribution to the financial custodian of my choice? And if my employer has the 5304-SIMPLE do you just ask to switch to someone like Schwab and then my bi weekly contributions...
by ruralavalon
Tue Jun 19, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 14
Views: 1194

Re: Help with my allocations

I am working on changing the allocations based on your inputs. Thanks. You also suggested to make some additional funds like VBIAX in my 401K and others in Roth. I.t may be a couple of years before i leave workforce full time. I was wondering if we just contribute maximum in our 401K plans in to ge...
by ruralavalon
Tue Jun 19, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 29
Views: 3707

Re: Help - investor starting later in life

@ruralavalon. Here are the expense ratios. 1) Vanguard Institutional 500 Index Trust - 0.016% 2) Vanguard Institutional Total International Stock Index Trust - 0.068% 3) Vanguard Institutional Total Bond Market Index Trust - 0.038% Those are excellent funds to use in your 401k, you are fortunate to...
by ruralavalon
Tue Jun 19, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 211
Views: 37633

Re: What's your U.S. : International ratio?

90% US 10% int International just drags a VTSAX portfolio down Boy it sure does, especially recently. I don't like calculating where I'd be if I had gone all US instead of world cap. Not even tempted to change it, though. Stay the course :mrgreen: In the past tense, that was correct. I am not certa...
by ruralavalon
Tue Jun 19, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Roth 401k Allocations
Replies: 9
Views: 453

Re: Help with Roth 401k Allocations

BlackRock International Index Fund in your 401k may be a trust rather than a mutual fund. In your 401k materials or the 401k website there will be a short fact sheet for that trust, just a few pages long, which describes the trust. The fact sheet will state the index used, probably in a section titl...
by ruralavalon
Tue Jun 19, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6636
Views: 1432391

Re: U.S. stocks in freefall

I someday hope to live in a world where this thread isn't bumped every time the market is down. This is Frankenthread, it will never die :wink: :wink: I merged Oak&Elm's thread "Anyone Buying Today?" into this one as the topics are essentially the same. No, I'm not buying today. I'll be buying at t...
by ruralavalon
Tue Jun 19, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 55
Views: 6819

Re: I feel like selling my 3 fund

This maybe a silly question (I’m self employed too). But with no taxable income, how do you eat? I have a none US citizen parent who gifts me a certain amount of money every year. Thanks again for the extra reading material. Should I be dollar cost averaging my lump sum or just move the whole thing...
by ruralavalon
Tue Jun 19, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Help with Roth 401k Allocations
Replies: 9
Views: 453

Re: Help with Roth 401k Allocations

Thanks for adding the fund information for your 401k, that helps a lot. Those are very low expense ratios, even lower than you could get in an IRA directly with Vanguard or Fidelity, you are fortunate. In my opinion the funds to consider using in your 401k include: 1) Fidelity 500 Index Fund Institu...
by ruralavalon
Mon Jun 18, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Please help with RMDs and asset allocation
Replies: 9
Views: 1033

Re: Please help with RMDs and asset allocation

Thanks again. I have thought I had too much cash on hand, but it has also felt like a good safety net during uncertain times - maybe I don't need that since I have bonds and have to start RMDs this year. I do wonder if I should take the dividends from the bond funds monthly as part of RMDs or reinv...
by ruralavalon
Sun Jun 17, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with RMDs and asset allocation
Replies: 9
Views: 1033

Re: Please help with RMDs and asset allocation

Thank you for your thoughtful responses. I will follow the given suggestions. When I asked about taking more than $18,000 per year I was not including the RMD. It's good to know that I do have some leeway. I just wondered if my asset allocation looks ok in general - especially the Tax Deferred acco...
by ruralavalon
Sun Jun 17, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 14
Views: 1194

Re: Help with my alocations

Thanks for your inputs. Here is the suggestions incorporated My rollover with Vanguard 188K Dividend growth fund (VDIGX) 4.8% , (ER 0.26) Total International stock (VTIAX) 3.6% (0.11) Total stock Index fund (VTSAX) 13.3% (0.04) Vanguard Roth IRA 86K Energy fund (VGENX) 0.8% (0.38) Equity income fun...
by ruralavalon
Sun Jun 17, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1135

Re: Wanting to learn: seeking approval or criticism on my portfolio

You are 36, a lot can happen in the 30 years or so until she could collect the pension. The employer may drop the pension plan entirely or may severely reduce the pension during the next 30 years, and she may not stay with her employer the rest of her working life. When closer to retirement it can ...
by ruralavalon
Sun Jun 17, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with RMDs and asset allocation
Replies: 9
Views: 1033

Re: Please help with RMDs and asset allocation

Welcome to the forum :) . Thank you in advance for looking at my portfolio. I am a single female and will be 71 in July and will have to take RMD before the year's end. My RMD for this year will be about $12,500. My problem is I don't know which funds to take them from. Five years ago when I was goi...
by ruralavalon
Sun Jun 17, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1135

Re: Wanting to learn: seeking approval or criticism on my portfolio

Thank you for the comments. I forgot to include a pension my wife has as well as a small defined contribution plan she has. I updated the Original Post. Could the pension be considered our bonds? There is just a little bit of bonds in the DCP. Would you still add bonds to the ROTHs? Side question, ...
by ruralavalon
Sun Jun 17, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 14
Views: 1194

Re: Help with my alocations

Thanks for your time and suggetions. Our retirement investments are not in order and seeking advice before it is too late. We are interested in a portfolio of few stock and bond funds in rollover IRAs and 401K. We prefer to have more stock funds in roth. Here are the bond funds from my current 401K...
by ruralavalon
Sun Jun 17, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: What next?
Replies: 7
Views: 984

Re: What next?

Thank you to all who posted responses and to those who took the time to read my question on the blogs. I am happy to say I have taken your tips and taken action on them. I set up a SEP-IRA account on Vanguard today and will be using VTSAX or VASGX as my investment vehicle. I have also considered fi...
by ruralavalon
Sat Jun 16, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 55
Views: 6819

Re: I feel like selling my 3 fund

You listed VBLTX as one of your holdings. That fund is Vanguard Long-Term Bond Index Fund. Did you by chance mean instead VBTLX... I have VBTLX - Vanguard Total Bond Market Index Fund Admiral Shares I have read Dr. Bernstein's "If You Can", and I will read "The Bogleheads' Guide to Investing" next....
by ruralavalon
Sat Jun 16, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: What next?
Replies: 7
Views: 984

Re: What next?

Welcome to the forum :) . It's good to see that you are debt free, primarily (about $47k) using diversified index funds with low expense ratios, and not adding more to bullion or crytocurrencies. Hello and welcome, I am a long time follower and first time writer on this blog. My primary question to ...
by ruralavalon
Sat Jun 16, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 14
Views: 1194

Re: Help with my alocations

What is your general preference, a portfolio made up only of balanced funds, or a portfolio made up of a few stock and bond funds?

What are the bond funds offered in your current 401k? Please give fund names, tickers and expense ratios.
by ruralavalon
Sat Jun 16, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 55
Views: 6819

Re: I feel like selling my 3 fund

I started investing in Feb 2017 and Im ashamed to say that Ive already been thinking recently a lot about selling and going into fixed income for a couple of years because everyone is expecting a downturn. Im thinking I can sell now and get into something more stable until we are at the bottom of a...
by ruralavalon
Sat Jun 16, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: VEVFX
Replies: 6
Views: 607

Re: VEVFX

I am considering VEVFX to add to my portfolio. I believe value will prevail over growth in the next several months. I like the blend of small and mid caps. Any opinions. In my opinion investing for the short-term is a bad idea. Why do you believe "value will prevail over growth"? Why only for "the ...
by ruralavalon
Sat Jun 16, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Should fixed income allocation necessarily change over the years?
Replies: 11
Views: 662

Re: Should fixed income allocation necessarily change over the years?

There is the hypothesis that the retirement date risk and the sequence of returns risk is better dealt with by increasing the fixed income allocation 5-10 years before retirement and maintaining the high bond allocation until 5-10 years after retirement, then increasing the stock allocation. That wa...
by ruralavalon
Fri Jun 15, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 974

Re: What to put in taxable brokerage account?

You can place an order for a transaction anytime 24/7, rather than just when an exchange is open. You don't need to use limit orders. These statements are also true for ETFs. Would it be accurate to say that it's generally advisable to use limit orders in ETF transactions? I don't use ETFs so I don...
by ruralavalon
Fri Jun 15, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer - Need 401k rollover Advice!
Replies: 2
Views: 237

Re: New Employer - Need 401k rollover Advice!

Hi all, I am starting a new job and need some advice on what to do with previous 401k balance. My new company only has 3 Vanguard funds and personally I do not believe they are as good as the previous fund options. I have listed below my IRA, old 401k, and new 401k. Do I roll into new 401k, IRA, or...
by ruralavalon
Fri Jun 15, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 974

Re: What to put in taxable brokerage account?

Welcome to the forum :) Just seeking general thoughts on what to put in taxable brokerage accounts? Does anyone favor ETFs? Mutual funds? Assuming a general Boglehead philosophy is there any advantage to ETF vs mutual fund for similar index (say Vanguard) products? In general in a taxable account us...
by ruralavalon
Fri Jun 15, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 446

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

Does the new offer a low ER international stock index fund? Is there any fund which you need/want which is not offered in your new 401k plan?

In my opinion rolling the old 401k over into your new 401k is a good idea.
by ruralavalon
Fri Jun 15, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 29
Views: 3707

Re: Help - investor starting later in life

401k (33% of total; $30k; adds $18.5k + $3k employer match = $21.5k/yr total) 00%, Vanguard Institutional 500 Index Trust - 0.016% 00%, Vanguard Institutional Total International Stock Index Trust - 0.068% 33%, Vanguard Institutional Total Bond Market Index Trust - 0.038% @ruralavalon and others- t...
by ruralavalon
Thu Jun 14, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Roth 401k Allocations
Replies: 9
Views: 453

Re: Help with Roth 401k Allocations

Welcome to the forum :) . I have a Roth 401(k) plan with my employer through Fidelity. They automatically put me in the Fidelity Freedom 2050 Fund - Class K (I'm 32). I'm new at this and have a bunch of options. Can someone please help me out here with which funds I should be in and what percentages...
by ruralavalon
Thu Jun 14, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1575

Re: Any problem opening fund "Investor", then building to "Admiral"?

If in a retirement account, you could purchase the equivalent ETF (which should have the same ER as Admiral shares) and then sell and buy into the fund once you reach 10k. Why bother. The impact of the expense ratio difference between Investor Shares and ETF shares on a $3k investment is just $3 pe...
by ruralavalon
Thu Jun 14, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 550

Re: Which bond fund in 401k?

My suggestion is Dodge & Cox Income Fund (DODIX) ER 0.44%. It is a good actively managed, intermediate-term bond fund (average effective duration = 4.2 years), with good credit quality (average credit quality = A), with a moderate expense ratio and good diversification. I don't suggest a TIPS fund ...
by ruralavalon
Thu Jun 14, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Help with my allocations
Replies: 14
Views: 1194

Re: Help with my alocations

Asset allocation. I am 64 and my wife is 57. At ages 64 and 57 I suggest about 40% in bonds (fixed income). This is expected to substantially reduce portfolio volatility (risk), with only a relatively moderate decrease in portfolio return. Graph, "An Efficient Frontier: the power of diversification...
by ruralavalon
Thu Jun 14, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 550

Re: Which bond fund in 401k?

I am using most of my 401k for bond holdings. Most of my equities are in Roth and taxable. AA is 60/40 (25% international) These are my choices in my 401k: FID Managed Income Portfolio II Class 3 0.34% BLKRK HIGH YLD BD K (BRHYX) 0.55% DODGE & COX INCOME (DODIX) 0.44% FID GNMA (FGMNX) 0.45% VANG IN...
by ruralavalon
Thu Jun 14, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7460

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

Thanks for replies guys and thanks for the real life example sheepdog. I actually don't have that much in index funds as i only started a few years ago, however am really feeling they are overpirced at the moment e.g one index fund I have is up around 30%+ in just 2 years, so i'm not really sure wh...
by ruralavalon
Thu Jun 14, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 32
Views: 2252

Re: Role of Annuity For Savers Who have 20+ years until Retirement

Recently, an insurance agent recommended me Athene Ascent 10 Bonus 2.0 Fixed Indexed Annuity with option 1 (https://d2zhgehghqju...63f1bcca7e8.pdf ). His selling points are 1) the average return for stock market is going to be lower (~5%) than the last 9 bull market years with high volatility 2)bon...
by ruralavalon
Wed Jun 13, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with New Retirement Plan Option
Replies: 4
Views: 476

Re: Help with New Retirement Plan Option

Welcome to the forum :) . Hi, I currently participate in employer-sponsored 403(b) + 457(b) plans and maximize contributions and associated match; my income precludes contributions directly into a personal Roth IRA. My retirement plan now offers a new option: “We are happy to announce an exciting ne...
by ruralavalon
Wed Jun 13, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Structuring 401k - MorningStar rating matters?
Replies: 15
Views: 667

Re: Structuring 401k - MorningStar rating matters?

Those are excellent funds offered in your 401k, you are fortunate. I don't use Morningstar star ratings to select funds to use. The stars are are an indication of past performance, not future performance. An index fund most commonly will have three stars, because an index fund consistently gives the...
by ruralavalon
Wed Jun 13, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1474

Re: 33yo Couple - Need Help Diversifying Assets & Investing

I think you might be right about the small company thing. I'm using their search function to find stocks available to purchase, since no one is getting back to me about a list. So far I have yet to find one that is listed I can buy that has an ER lower than 1%. If it is the case that I can't find a...
by ruralavalon
Wed Jun 13, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 944396

Re: What Book Are You Currently Reading? Part VI

The Indian War of 1864 , by Eugene Ware. This book was first published in 1911. The author fought in the Civil War in Missouri and Arkansas, and then was a Lieutenant with the 7th Iowa Calvary, serving on the frontier in the period September 1863 to April 1865. His company was stationed near Julesb...
by ruralavalon
Tue Jun 12, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1474

Re: 33yo Couple - Need Help Diversifying Assets & Investing

Thanks ExitStageLeft There is a good likelihood I will return to work in 5 years. And decent odds it may be at the same company. Once I get the list of my other fund options I will see what I can find that has a better expense ratio. Do you have a recommendation for what is an acceptable ratio? It ...
by ruralavalon
Tue Jun 12, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1474

Re: 33yo Couple - Need Help Diversifying Assets & Investing

MoonlightGraham wrote:
Tue Jun 12, 2018 1:47 pm
I thought I updated the OP with ticker symbols and expense ratios. Are those not what you are looking for.
I was asking for the fund names, tickers and expense ratios of all of the funds offered in each 401k, not just the funds you are currently using.
by ruralavalon
Tue Jun 12, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1474

Re: 33yo Couple - Need Help Diversifying Assets & Investing

When you add the list of funds offered in his 401k then it's possible discuss whether it's better to leave his 401k as is. (I don't like the relatively high expense ratio on LifePath 2050, LIPAX, ER 0.41%.) Also does his 401k plan allow Roth contributions? Will he be eligible for a significant pensi...
by ruralavalon
Tue Jun 12, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: 401k Options
Replies: 10
Views: 433

Re: 401k Options

In my opinion the better funds to use in your 401k include: 1) ISHARES S&P 500 INDEX K WFSPX NE=0.04% 2) FIDELITY INTERNATIONAL IND PRM FSIVX NE=0.06% (a MSCI EAFE index fund) 3) ISHARES US AGG BOND INDEX WFBIX 1 Net Expense=0.05% A MSCI EAFE index fund covers only larger companies, only in develope...
by ruralavalon
Tue Jun 12, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1474

Re: 33yo Couple - Need Help Diversifying Assets & Investing

Welcome to the forum :) . His 401K (I don't have exactly details, he is at work) 110K. I can get that tomorrow morning. I can give a breakdown of my retirement investments and find out more about the makeup of my husbands if that helps. his 401k. First of all find out and list the funds he is using ...
by ruralavalon
Tue Jun 12, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 29
Views: 3707

Re: Help - investor starting later in life

Asset allocation. Age Late-30s Household income – ~$250K Tax Bracket- Federal 33%, State 9.3% Tax Filing Status - MFJ . . . . . I have a 12-15 year horizon, after which I plan to retire. In the late 30s, and a 12-15 year horizon to retirement, I suggest about 30-40% in bonds. This is expected to su...
by ruralavalon
Tue Jun 12, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 29
Views: 3707

Re: Help - investor starting later in life

@ruralavalon the annual savings is in addition to my 401K contribution. Of course these savings could potentially come down to a third of that if I decide to stop renting and jump into home ownership. Two additional questions: 1) Should I be considering any backdoor Roths? If so how should I alloca...
by ruralavalon
Mon Jun 11, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on asset allocation and strategy
Replies: 5
Views: 427

Re: Advice on asset allocation and strategy

Welcome to the forum :) . It's good to see that you will be using low expense ratio index funds for the most s t part. It's good to you you are making maximum contributions to all of your tax-advantaged account, both 401ks and both IRAs. Your savings rate is 28%, which is excellent in my opinion. Yo...
by ruralavalon
Mon Jun 11, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k bond fund: Advise
Replies: 6
Views: 332

Re: Which 401k bond fund: Advise

Both are good intermediate-term bond funds, that makes the choice harder, which is a good problem to have. I prefer a good index fund over a good actively managed fund, so suggest using Vanguard Total Bond Market Index Fund Institutional (VBTIX).
by ruralavalon
Mon Jun 11, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options
Replies: 10
Views: 433

Re: 401k Options

Opening up new 401K through T.Rowe Price. Company will match up 3.5%. Im 29 Y.O. I have several options: 1. Open up Schwab PCRA and do 3 fund portfolio. Any downside? 2. Only low-cost index funds would be iShares US Aggregate Bond index,K and iShares S&P 500 index, K or traditional target fund 2055...
by ruralavalon
Mon Jun 11, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help - investor starting later in life
Replies: 29
Views: 3707

Re: Help - investor starting later in life

@ruralavalon. Here are the expense ratios. 1) Vanguard Institutional 500 Index Trust - 0.016% 2) Vanguard Institutional Total International Stock Index Trust - 0.068% 3) Vanguard Institutional Total Bond Market Index Trust - 0.038% Those are excellent funds to use in your 401k, you are fortunate to...
by ruralavalon
Mon Jun 11, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Diversification - General Advice Wanted
Replies: 38
Views: 1702

Re: Portfolio Diversification - General Advice Wanted

Thanks for adding the expense ratios :) . That does clarify things. “Right now” and “at the moment” are the keys. You should be investing for the long run, not for the short run. You should hold investments in your portfolio that create a proper diversification over the long run, not because they ha...