Search found 12716 matches

by ruralavalon
Fri Apr 20, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 22
Views: 1464

Re: Financial planners [looking for one]

Welcome to the forum :) . I remain a real idiot about finances and distrustful of advertised financial planners. Who should I contact to get some solid financial advice from someone who will look out for my best interest? I tried one of the Vanguard financial planners in the past but he was terrible...
by ruralavalon
Thu Apr 19, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced vs 2025 vs 2 fund portfolio
Replies: 8
Views: 871

Re: Balanced vs 2025 vs 2 fund portfolio

VERY limited funds to chose from. Just recently they added Blackrock target date funds. These are the ones that have the low expenses. Everything else is around 1% or higher. I know there are some benefits to leaving it in a 403(b)- better isolation from creditors etc. but leaving it there I would ...
by ruralavalon
Thu Apr 19, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Balanced vs 2025 vs 2 fund portfolio
Replies: 8
Views: 871

Re: Balanced vs 2025 vs 2 fund portfolio

I read some of these discussions in the past regarding withdrawals in during a down period. I questioned it again to see if the rule of thought may have changed since those discussions took place. I am still a few years away from tapping these funds so there is no immediate need. I do want to simpl...
by ruralavalon
Thu Apr 19, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: EJ Escapee
Replies: 7
Views: 821

Re: EJ Escapee

Welcome to the forum :) . Congratulations on escaping Edward Jones. Hey Everybody, Great sight and great people. I'm 29 years old and have just recently realized the EJ con I was wrapped up in. Ive begun the process of moving my 4 accts over to vanguard for a $400 EJ fee(whatever suck it Ed, I'm fre...
by ruralavalon
Wed Apr 18, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Use Large Tax Refund for HELOC or 529?
Replies: 21
Views: 997

Re: Use Large Tax Refund for HELOC or 529?

Welcome to the forum :) . How does Virginia tax law treat 529 contributions? Are either of you eligible for a significant pension,in addition to Social Security? Please simply add this to your original post using the edit button (the pencil icon near the upper right corner of your post), it helps a ...
by ruralavalon
Wed Apr 18, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced vs 2025 vs 2 fund portfolio
Replies: 8
Views: 871

Re: Balanced vs 2025 vs 2 fund portfolio

I'm going to be doing some consolidating of my (tax deferred) portfolio and would like to basically do this once. Right now I have a portion in Vanguard Balanced Admiral and 2025 investor shares. I also am "retiring" next week and will take my 403(b) and combine it into my Vanguard account. I'm deb...
by ruralavalon
Wed Apr 18, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: which retirement vehicle is best?
Replies: 4
Views: 870

Re: which retirement vehicle is best?

Friends, I currently use a Roth 403b and a Roth IRA. Taxes are low. Am I missing out on other Roth-style (no penalty, tax-free) retirement vehicles? For myself, no kids involved Is there anything I am missing that I should also be using? Thanks in advance, Peter Some additional information may be h...
by ruralavalon
Wed Apr 18, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: what to do with a windfall$$$
Replies: 7
Views: 983

Re: what to do with a windfall$$$

thanks for all the good advise! ill read up on the provided info. i do feel good about my financial position. a lot of compromises over the years. I am going to treat ourselves to a nice vacation from this but I do want to be smart about the rest. the Porsche may be out unless i find a desperate se...
by ruralavalon
Wed Apr 18, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: what to do with a windfall$$$
Replies: 7
Views: 983

Re: what to do with a windfall$$$

Welcome to the forum :) . Congratulations on the soon new addition to your family. It's good to see that you are making maximum contributions to your 401k, and are debt free other than your mortgage note. Hi, new to the forum but heard good things about the users knowledge of the subject matter. Id ...
by ruralavalon
Wed Apr 18, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4098

Re: Are you keeping more in cash?

I’m a conservative investor in my seventies. In the late 1990’s and early 2000’s, I routinely kept about five percent of my investments in cash, defined as my Vanguard money market fund. I don’t own any bank CD’s, and I count my I Bonds as “bonds.” When the yield on my money market fund dropped to ...
by ruralavalon
Wed Apr 18, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: What can I do with cash in my emergency account
Replies: 10
Views: 1104

Re: What can I do with cash in my emergency account

cheeky wrote:
Wed Apr 18, 2018 12:18 pm
Is there something comparable in Fidelity to "Vanguard Prime Money Market Fund (VMMXX) current SEC Yield = 1.78%"?
Fidelity® Money Market Fund (SPRXX), current SEC Yield = 1.65%.
by ruralavalon
Wed Apr 18, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2972
Views: 916081

Re: What Book Are You Currently Reading? Part VI

Implacable Foes , by Waldo Hendricks and Marc Gallachio. This history focuses on the last year of World War II in the Pacific, the battles in the Philippines, Guam, Iwo Jima and Okinawa, including preparations for the invasion of Japan. The book discuses the extreme difficulty in balancing partial ...
by ruralavalon
Wed Apr 18, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Looking for help to select my investments for my new 401k
Replies: 8
Views: 492

Re: Looking for help to select my investments for my new 401k

Welcome to the forum :) . It's good to see that you plan to make the maximum contributions to your 401k. You have many excellent fund choices offered in your 401k, you are fortunate. Dear Bogleheads, Let me do a quick presentation first. I am currently 40 years old and I worked in a public universit...
by ruralavalon
Wed Apr 18, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Need help with future planning.
Replies: 4
Views: 329

Re: Need help with future planning.

Welcome to the forum :) . It's good to see you contributing 12% to your 401k, and your wife contributing 10% to her 401k. If the funds offered in the 401ks are decent, you could consider increasing the employee contributions to the annual maximum of $18.5k each if that is practical for you. Hello ev...
by ruralavalon
Wed Apr 18, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325108

Re: What are you up YTD? [Year To Date]

Age 72, retired, 50/50 asset allocation.

Best fund so far is Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), total return up 1.94% year to date.

Total return of portfolio down 0.43% year to date.
by ruralavalon
Wed Apr 18, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: What can I do with cash in my emergency account
Replies: 10
Views: 1104

Re: What can I do with cash in my emergency account

I have an emergency account with one year of living expenses in cash at Vanguard. Is there any place I can put it so that it atleast earns enough interest to keep up with inflation and yet be reasonably liquid. Thanks in advance for your help. For an emergency fund consider federally insured saving...
by ruralavalon
Wed Apr 18, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1544

Re: Please help me with arguments for/against actively managed...

I am in a debate with a friend regarding performance of an actively managed portfolio that charges 1.2% fees per year vs. a three fund strategy at Vanguard. Please help me with the pros/cons of this argument. Thanks in advance. Love, RR Low expense ratios are critical to long-term investing perform...
by ruralavalon
Wed Apr 18, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover to Fidelity or my new 401K?
Replies: 16
Views: 736

Re: 401K rollover to Fidelity or my new 401K?

The ER's for the Vanguard funds in my new 401K are 0.07, 0.04 --like that, all very low. I have no idea about Empower charging fees over and above the ERs of the funds themselves. I will have to call and ask them--after scouring the few pieces of paper I have from them. I have not had this plan eve...
by ruralavalon
Tue Apr 17, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover to Fidelity or my new 401K?
Replies: 16
Views: 736

Re: 401K rollover to Fidelity or my new 401K?

I have a Fidelity 401K from my old job, all invested in the target date 2020 fund (not the index one). The rest of my money is at Fidelity, so I was thinking about rolling it over into another IRA I have at Fidelity and investing in Fidelity index funds. But--another option is to roll it over to my...
by ruralavalon
Tue Apr 17, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Why does my 401k only offer VTSMX instead of VTSAX?
Replies: 4
Views: 781

Re: Why does my 401k only offer VTSMX instead of VTSAX?

Ask if Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) can be provided. It may be that your plan is too small, or it may be that no one has asked to have the plan switch to offering Admiral Shares. It's OK to use Vanguard Total Stock Market Index Fund Investor Shares (VTSMX), or Vangua...
by ruralavalon
Tue Apr 17, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Fund our 401k/IRA or fund a 529?
Replies: 5
Views: 397

Re: Fund our 401k/IRA or fund a 529?

Welcome to the forum :) . A 20% savings rate is excellent. Keep it up. My wife and I save roughly 20% of our annual income in tax advantage accounts (401k's and Roth's). This is about the maximum we can save annually, though if we had more money, we would be able to fund the 401k (with vanguard) sl...
by ruralavalon
Mon Apr 16, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: How 'bad' are American Funds through UBS?
Replies: 12
Views: 639

Re: How 'bad' are American Funds through UBS?

A family member has maybe ~$600k or so invested with UBS via their American Funds offerings. This is the entirety of their retirement portfolio and they really value having an 'in person' human they can talk to and obtain advice from through their local UBS advisor. They also really like 'tinkering...
by ruralavalon
Mon Apr 16, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325108

Re: What are you up YTD? [Year To Date]

Age 72, retired, 50/50 asset allocation.

Best fund so far is Vanguard Total International Stock Index Fund Admiral Shares (VTIAX), up 0.55% year to date.

Total return down 1.17% year to date.
by ruralavalon
Sun Apr 15, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Does low-cost active management makes sense for international?
Replies: 8
Views: 569

Re: Does low-cost active management makes sense for international?

Does low-cost active management makes sense for international, or am I just kidding myself? I look for a combination of broad diversification (to decrease risk) and low expense (to increase net return), usually that means an index fund. But an actively managed fund can also satisfy those criteria. ...
by ruralavalon
Sun Apr 15, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best Solo 401k option?
Replies: 22
Views: 917

Re: Best Solo 401k option?

I suggest Fidelity rather than Schwab for the solo 401k. Fidelity has a total international stock index fund, Schwab does not have a total international stock index fund. The differences in expense ratios between Fidelity and Schwab are tiny, and meaningless. Thanks - do you have direct experience ...
by ruralavalon
Sat Apr 14, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best Solo 401k option?
Replies: 22
Views: 917

Re: Best Solo 401k option?

Who has the best solo 401k option? I'm interested in investing in two funds: Total Stock Market and Total International. The plan must allow IRA rollovers (which knocks out Vanguard). My top consideration set is Fidelity, E-Trade, and Schwab. I like Fidelity's low expense ratio funds, but (based on...
by ruralavalon
Sat Apr 14, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 1693

Re: Which fidelity funds?

FFNOX (Fidelity Four-in-One Index Fund) is a great utility option that includes domestic & international stock with a bond allocation. Thank you! This is a balanced fund which contains a bond allocation, not very tax-effient in a taxable account. Wiki article "Tax-efficient fund placement" . If you...
by ruralavalon
Sat Apr 14, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 1693

Re: Which fidelity funds?

Just read the last part of your request. I will try and find some other Internet forums on investing in index funds. I’m simply trying to find ideas of good Fidelity funds to invest in. Reporting my 401k holdings and the other information you require would take an entire day. No, it won't take all ...
by ruralavalon
Sat Apr 14, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 1693

Re: Which fidelity funds?

We are investing between 5-7k per month. We just started this recently as we finished paying for my spouse’s law school. So far I’ve been investing 2.5k in various fidelity funds. Anyone have any recommendations going forward? What should my next two Fidelity funds be that I invest in? Yes I’m good...
by ruralavalon
Sat Apr 14, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 250
Views: 34803

Re: Is there a such thing as a blue collar Boglehead?

It's good to see this thread resurrected, to counter the erroneous impression that this site is only for high income investors. In fact I think formal education hits its peak for earning at Masters and then declines at PhD because so many teach and MBAs often go into corporate jobs. Any data to supp...
by ruralavalon
Sat Apr 14, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: HELP..not sure what to do at 55 YOA
Replies: 21
Views: 2760

Re: HELP..not sure what to do at 55 YOA

FIRST OFF, I AM SORRY FOR USING ALL CAPS. I'M NOT YELLING IT'S JUST EASIER FOR ME TO SEE THE SEPERATION FROM THE QUESTION TO MY ANSWER :-) Emergency funds: YES Debt: Only debt I have are 3 credit cards which I pay off every month ($4000.00). No mortgage or other monthly payments other than a $250.0...
by ruralavalon
Fri Apr 13, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Aren't we betting a bit too heavily on US stocks and bonds?
Replies: 34
Views: 2576

Re: Aren't we betting a bit too heavily on US stocks and bonds?

I would look at stock markets, not economy, since you can't invest directly in GDP as far as I know. U.S. is something like 25-30% of total world stock market value. I was about to edit my post in order to address that. I realize that the US is perhaps the most developed country when it comes to st...
by ruralavalon
Fri Apr 13, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 6711

Re: Why traditional IRA better than Roth IRA

So I have this discussion with a family member. I was gonna support Roth IRA but it turns out traditional IRA is a way better idea Here is what he said Traditional IRA is way better than Roth IRA because you do not pay tax in the beginning. Then when you reach 59 1/2 years old you make sure your wi...
by ruralavalon
Fri Apr 13, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: 401K Help
Replies: 4
Views: 299

Re: 401K Help

Thank you for the responses. So I am 40 years old. Unfortunately this 401k does not have a total market index. The only emerging market fund is a Lazard Emerging Market Fund with an ER of 1.2%. Is that to high of an ER to consider? All of the Vanguard funds are much lower! In my opinion the expense...
by ruralavalon
Thu Apr 12, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Advice and Contribution Limits
Replies: 13
Views: 1047

Re: Retirement Account Advice and Contribution Limits

My spouse and I are 30 years old, total annual household income is approximately $120k/year. I work full time, and the spouse works part time. I am saving for retirement for both of us. So I am limited to $18.5k in my contributions to the 401k and 401a together, and $5.5k in the tIRA. That is corre...
by ruralavalon
Thu Apr 12, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 103
Views: 14457

Re: Is it time to dump high yield savings for prime money market?

Why not just use a bank for banking services?

That's what we do.
by ruralavalon
Thu Apr 12, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3138

Re: Any aggressive index funds in your portfolio?

I think you meant to write VSGAX, which is small cap growth. VASGX is LifeStrategy Growth multi-fund. Ohhh....that would make the post make a lot more sense, wouldn't it? In that case, I'd say that few tilt to mid cap or small cap growth. Especially not small cap growth. Most who talk about tilting...
by ruralavalon
Thu Apr 12, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13248

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

@ruralavalon Yes it will be a taxable account. I will look into VTMFX and the three-fund portfolio. Thanks for the tips. Fully plan to do the proper research first. That's why I am here like a year early. Here are some links on the three-fund portfolio. Wiki article "Three-fund portfolio" . Forum d...
by ruralavalon
Thu Apr 12, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fund our 401k/IRA or fund a 529?
Replies: 5
Views: 397

Re: Fund our 401k/IRA or fund a 529?

Welcome to the forum :) . A 20% savings rate is excellent. Keep it up. My wife and I save roughly 20% of our annual income in tax advantage accounts (401k's and Roth's). This is about the maximum we can save annually, though if we had more money, we would be able to fund the 401k (with vanguard) sli...
by ruralavalon
Thu Apr 12, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: 401K Help
Replies: 4
Views: 299

Re: 401K Help

Welcome to the forum :) . I was wondering if anyone could provide some advice on constructing a diversified portfolio from the following funds that are available in my 401k? I am looking to have about 70% in stock (30-40% international) and 30% in bonds. My thoughts are that VFIAX, VBTIX, and VTMNX ...
by ruralavalon
Thu Apr 12, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Ditched bond fund for money market. Thoughts?
Replies: 40
Views: 3654

Re: Ditched bond fund for money market. Thoughts?

The bond fund price drops a little but you get higher interest going forward. That seems like the number one hardest issue to grasp for most. Total return is all that matters. Total return is down on most bond funds because interest rates have been rising. The Fed has pretty much promised to raise ...
by ruralavalon
Thu Apr 12, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 3844

Re: Beginner @ 46, so much to learn.

I am about to open a Roth IRA today. I'm probably going to open it at Fidelity, due to the website's ease of use, high-ranking customer service and available tools online. I'm planning on reading John Bogle's "The Little Book of Common Sense Investing" before I start allocating my investments. Does...
by ruralavalon
Thu Apr 12, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 62
Views: 13911

Re: Fidelity, Vanguard or Schwab? I need to choose.

Hi all. Been reading this forum for a while but first time poster. I am pretty new to the whole investing scene. I am about to open a Roth IRA for myself and wife (hopefully before the 15th so that it can count towards 2017). In regards to which company to open the account with, I see that a number...
by ruralavalon
Thu Apr 12, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Advice and Contribution Limits
Replies: 13
Views: 1047

Re: Retirement Account Advice and Contribution Limits

The annual employee contribution limit, for those under age 50, is $18.5k total for all plans. The exception is a 457 plan. Employer contributions do not count toward that annual limit. Your traditional IRA and any Roth IRA you start have a different contribution limit, $5.5k annually for those unde...
by ruralavalon
Wed Apr 11, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: HELP..not sure what to do at 55 YOA
Replies: 21
Views: 2760

Re: HELP..not sure what to do at 55 YOA

Welcome to the forum :) . You need to invest in something. A regular savings account feels safe, but will probably give a negative real return net of inflation. What interest rate are you receiving on your savings account? More information is needed in order to to suggest ideas for relatively safe i...
by ruralavalon
Wed Apr 11, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 62
Views: 13911

Re: Fidelity, Vanguard or Schwab? I need to choose.

Hi all. Been reading this forum for a while but first time poster. I am pretty new to the whole investing scene. I am about to open a Roth IRA for myself and wife (hopefully before the 15th so that it can count towards 2017). In regards to which company to open the account with, I see that a number...
by ruralavalon
Wed Apr 11, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Advice and Contribution Limits
Replies: 13
Views: 1047

Re: Contribution Limits Across Multiple Accounts

Welcome to the forum :) . Good morning everyone! Athough I have been lurking around for some time, this is my first time posting. My spouse and I are 30 years old, total annual household income is approximately $120k/year. I work full time, and the spouse works part time. I am saving for retirement ...
by ruralavalon
Wed Apr 11, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Easily digestible info/blog on finances for spouse?
Replies: 35
Views: 2351

Re: Easily digestible info/blog on finances for spouse?

If you're reading this, then you and I are probably cut from a similar cloth when it comes to personal finance, spending less than you make, frugal choices etc... In our family, I am the breadwinner (high income as a surgical subspecialist) and my wife is a stay at home mom taking care of 2 young b...
by ruralavalon
Wed Apr 11, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13248

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Welcome to the forum :) . I assume you will be investing in a taxable account, rather than a tax-advantaged account like an IRA or 401k. Is that correct? You could consider Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX) ER 0.09%, with a 50/50 asset allocation investing in U.S. stocks and ...
by ruralavalon
Wed Apr 11, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investing
Replies: 24
Views: 1797

Re: Emergency Fund Investing

Welcome to the forum :) . I am curious as to how others manage their emergency funds? I currently hold mine in a high yield savings account, which offers higher returns than a traditional savings account. Because that money should be readily available should an emergency arise, I do not want to comi...