Search found 12157 matches

by ruralavalon
Mon Jan 22, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 57
Views: 5945

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

I don't consider bonds volatile, but to put it simply your cash does not go up when your stocks go down. So unless you like another hedge better than bonds, this is their use in my simplistic view. You can't have it both ways. It's either not volatile, in which case it won't do much as a hedge for ...
by ruralavalon
Mon Jan 22, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Company 401k - is this optimal?
Replies: 10
Views: 789

Re: Company 401k - is this optimal?

Hello, any thoughts? Appreciate any and all thoughts. Is the taxable account at Vanguard? In your taxable account the stocks you listed add up to 100%, and the funds and ETFs you listed also add up to 100% for a total of 200%. But the taxable account is just 63% of the total portfolio. Is there mor...
by ruralavalon
Mon Jan 22, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Please recommend an allocation now ( age 31) if retiring in 20 years ?
Replies: 33
Views: 2092

Re: Please recommend an allocation now ( age 31) if retiring in 20 years ?

My goal is to retire at age 52. My current age is 31. What would be an appropriate asset allocation if my goal is to be able to retire in 20 years. Should I follow the age rule and pretend im 45 and allocate 55% stock and 45% bonds? That seems awfully risk averse. But then I was wondering if theres...
by ruralavalon
Mon Jan 22, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 57
Views: 5945

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

You are probably right than OP is focussing only on the share price, and is not considering the total return which includes dividends. Few questions for the experts here, as I've been thinking of purchasing SWAGX for the bond/fixed income portion of my Roth IRA. . . . . . -I never had to worry about...
by ruralavalon
Mon Jan 22, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Age 30/29- need help with allocation
Replies: 2
Views: 332

Re: Age 30/29- need help with allocation

Welcome to the forum :) . Hi there - my wife and I are 30 and 29, and I'm a recent reader of the Boglehead book. Quick summary: -3 months Emergency Fund -0% car loan (paying off early this year) and 28 years on a 3.75% 30-year mortgage loan ($545k more to go!) - Filing Married -15-25% Federal and 6-...
by ruralavalon
Mon Jan 22, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 39
Views: 3735

Re: 50/50 AA recommended by Benjamin Graham

We are 72 years of age, and have had an asset allocation of 50/50 since age 63 in late 2008. If you don't mind sharing, I'm curious to know what allocation you had prior to late 2008, and why you changed, especially given the state of the market at that time. We had an asset allocation of 65/35 in ...
by ruralavalon
Mon Jan 22, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 57
Views: 5945

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

Novice here. I have small part of my retirement portfolio in the bond fund of SWAGX, an intermediate bond fund from Schwab. It’s been losing money ever since I bought it 6 months ago. I want to just give up and invest in a 2% cd at synchrony instead. I thought bonds were supposed to be the stablizi...
by ruralavalon
Mon Jan 22, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 39
Views: 3735

Re: 50/50 AA recommended by Benjamin Graham

Isn't a 50/50 Stock/Bond AA relatively high bond allocation for most? In the book titled The Intelligent Investor why does Benjamin Graham recommend this for most folks? I don't believe that is too high for most, when looked at as a long-term proposition, although I accept that young investors can ...
by ruralavalon
Sun Jan 21, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 75
Views: 4585

Re: Should I buy a business or suck it up at a job(s) with a pension.

Congrats, you have done a great job preparing for early retirement. My first recommendation is take a nice vacation in a warm climate to recharge your batteries. No way should you leave now to buy a car wash! Get to 50 and the pension and take it year by year. Are you sure that you get 3% COLA auto...
by ruralavalon
Sun Jan 21, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 37
Views: 3492

Re: Keeping it in a shoe-box is a safer AA

Is all of this $1.2 million inheritance in an IRA? Or is some part in a taxable account? Both I just found out. Unknown as to the proportions. I advised to use CPA but she doesn't want to incur fees. Obviously, fees are ok in this complicated situation. She obviously needs the help of a CPA concern...
by ruralavalon
Sun Jan 21, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 25
Views: 2820

Re: Job offer - no 401k offered

What did people do before defined contribution tax qualified plans were available? They saved and invested. We now have access to tax efficient index/managed funds and reduced capital gain rates. Has it ever been better than now to save and invest :?: Hmm, what did people do before 401k? Yeah, what...
by ruralavalon
Sun Jan 21, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 45
Views: 4790

Re: AA is much harder than I thought...

rudeboy

What bond funds and what balanced funds are offered in your 401k? Please give fund names, tickers and expense ratios.
by ruralavalon
Sun Jan 21, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 37
Views: 3492

Re: Keeping it in a shoe-box is a safer AA

My very elderly in-law just inherited 1.2 million in stocks, no bonds. Apparently her late husband was 100% equity. Would selling all the equity and moving to one balanced fund be the proper course here? Vanguard Wellesley perhaps? Taxable account? Is it stocks or funds? Paul Mixed stocks and some ...
by ruralavalon
Sun Jan 21, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 45
Views: 4790

Re: AA is much harder than I thought...

That cash reserve is my emergency fund. On top of that, I am self-employed with about 10k in overhead/year, so I have one years' worth of that set aside as well. I don't think its a good idea to count your personal emergency fund and the capital reserves for your business as a part of the bond allo...
by ruralavalon
Sun Jan 21, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 25
Views: 2820

Re: Job offer - no 401k offered

What did people do before defined contribution tax qualified plans were available? They saved and invested. We now have access to tax efficient index/managed funds and reduced capital gain rates. Has it ever been better than now to save and invest :?: Hmm, what did people do before 401k? Yeah, what...
by ruralavalon
Sat Jan 20, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2749
Views: 878811

Re: What Book Are You Currently Reading? Part VI

Grant , by Ron Chernow. Dissapointing. Not as good as The Personal Memoirs of Ulysses S. Grant, or the three volume series, Captain Sam Grant, Grant Takes Command and Grant Moves south by Lloyd Lewis and Bruce Catton. The Chernow book does give a more detailed treatment of Grant's alcoholism and re...
by ruralavalon
Sat Jan 20, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: 32/M seeking advice on investing excess income in non-retirement accounts after maxing out 401K/IRA
Replies: 10
Views: 744

Re: 32/M seeking advice on investing excess income in non-retirement accounts after maxing out 401K/IRA

Welcome to the forum :) It's great to see that you are starting young, debt free, and using very diversified index funds with very low expense ratios. You are off to a good start. I’m a 32/M living in NYC and am seeking advice on how to invest excess income in non-retirement accounts after maxing ou...
by ruralavalon
Sat Jan 20, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Started
Replies: 3
Views: 211

Re: Getting Started

Welcome to the forum :) . Where is a good place to start investing for first timers? I also suggest some reading, like: 1) If You Can , by William Bernstein; and 2) Jack Bogle's "The Little Book of Common Sense Investing, 10th Anniversary Edition". Also take a look at the Boglehead's wiki, see the "...
by ruralavalon
Sat Jan 20, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and rebalancing
Replies: 7
Views: 487

Re: Asset allocation and rebalancing

Do you guys balance your portfolio based on the original cost basis and not on the current market? I am assuming it should be on the cost basis because you don't want to buy/sell assets based on market swings? Or do you use some other strategy such as waiting for your allocation to deviate past a c...
by ruralavalon
Sat Jan 20, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best Way to Invest a Bonus?
Replies: 4
Views: 404

Re: Best Way to Invest a Bonus?

Will be receiving a bonus in the next few weeks, i'm 28 and typically invest within a Roth 401k. Through my employer i have the option of contributing via the roth or traditional. I have a good mix of both due to my previous employer only offering up traditional. I will be bumping up my contributio...
by ruralavalon
Sat Jan 20, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 37
Views: 3492

Re: Keeping it in a shoe-box is a safer AA

My very elderly in-law just inherited 1.2 million in stocks, no bonds. Apparently her late husband was 100% equity. Would selling all the equity and moving to one balanced fund be the proper course here? Vanguard Wellesley perhaps? Taxable account? Is it stocks or funds? Paul Mixed stocks and some ...
by ruralavalon
Sat Jan 20, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 84
Views: 22101

Re: WSJ Digital Subscription - a bargain!

rb2018 wrote:
Fri Jan 19, 2018 10:11 am
It is fraud. After 3 months subscription will be deactive and you won't be able to dispute with your credit company. I ran into this problem.
What??
by ruralavalon
Sat Jan 20, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 25
Views: 2820

Re: Job offer - no 401k offered

I am considering a job offer - like everything about the job except the employer does not offer 401k at all. As DH is also working, what are our options in lieu of 401k to save on taxes ? We understand IRA may be an option but it has a limit of $5500 vs the $18500 limit of 401k. Any suggestions ple...
by ruralavalon
Fri Jan 19, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: SCHZ investment grade bond fund
Replies: 4
Views: 240

Re: SCHZ investment grade bond fund

I've had SCHZ for many months now but it's done poorly, and dropped even farther recently. I know Bogle advises don't sell just because it's currently low, but I'm tired of it dragging down the performance of the rest of my IRA. So I am not sure what to do. A bond allocation is primarily to reduce ...
by ruralavalon
Fri Jan 19, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Increasing Small Cap Value Tilt
Replies: 17
Views: 1230

Re: Increasing Small Cap Value Tilt

iShares small cap blend ETF IJR already makes up 8% of my portfolio, however in the Morningstar style box my portfolio numbers show up like this: 22, 22, 22 6, 6, 5 4, 5, 5 So doesn't look like there's much of an effect iShares IJR ETF adds in terms of SCV. Domestic to international is ~ 67:33 (ITO...
by ruralavalon
Fri Jan 19, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Increasing Small Cap Value Tilt
Replies: 17
Views: 1230

Re: Increasing Small Cap Value Tilt

iShares small cap blend ETF IJR already makes up 8% of my portfolio, however in the Morningstar style box my portfolio numbers show up like this: 22, 22, 22 6, 6, 5 4, 5, 5 So doesn't look like there's much of an effect iShares IJR ETF adds in terms of SCV. Domestic to international is ~ 67:33 (ITO...
by ruralavalon
Fri Jan 19, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Increasing Small Cap Value Tilt
Replies: 17
Views: 1230

Re: Increasing Small Cap Value Tilt

iShares small cap blend ETF IJR already makes up 8% of my portfolio, however in the Morningstar style box my portfolio numbers show up like this: 22, 22, 22 6, 6, 5 4, 5, 5 So doesn't look like there's much of an effect iShares IJR ETF adds in terms of SCV. Domestic to international is ~ 67:33 (ITO...
by ruralavalon
Fri Jan 19, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Help with Planning and portfolio
Replies: 6
Views: 362

Re: Help with Planning and portfolio

Thank you very much for the replies. I realize I will have to read a lot. I will do so and get back. For now, May I know how to move funds from Personal Capital (PC :D ) without ending up paying too much taxes. I see that for the $100k they managed for about 7 months now their visible fee is ~$600....
by ruralavalon
Thu Jan 18, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 48
Views: 5609

Re: which Brokerage do you use...why?

There are some old threads on this subject, but I wanted to get a fresh perspective and your opinions on this matter. My question is two-fold: which brokerage firm do you use for "brokerage" accounts and why you use/like/dislike it? If you use the old VG "mutual fund" account, I am not interested i...
by ruralavalon
Thu Jan 18, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 1605

Re: Lets talk about some favorite index funds?

Being extremely new here, started a few other threads and have really been talked into trying this on my own, and been neck deep in reading for days now, I want to get the temperature of everyone here's favorite index fund? It seems Bogle and just about everyone here hates market timing, I understa...
by ruralavalon
Thu Jan 18, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 81
Views: 7673

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

My crystal ball said 73.54% chance of correction. 82% of statistics are made up on the spot; only 17% of people know that. :beer But the more decimal places that are used, the more accurate and authoritative it seems to the typical reader. (Not BH readers, of course. Well, not 97.325% of them.) Any...
by ruralavalon
Thu Jan 18, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Help with Planning and portfolio
Replies: 6
Views: 362

Re: Help with Planning and portfolio

Welcome to the forum :) . Please add any new information to your original post using the edit button it helps a lot if all of your information is in one place. Please see the post "asking portfolio questions" for format. Background : Together me and my spouse earn about 270k per year but we started ...
by ruralavalon
Thu Jan 18, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for Retiree
Replies: 9
Views: 770

Re: Portfolio Help for Retiree

Sorry if I was vague. I will spend down most of my savings in my lifetime. When I said "preserve my principal" I meant that I don't want to lose what I have. I want to move from equities to something that could better withstand a bear market. While I was working, I had a large tolerance for variati...
by ruralavalon
Thu Jan 18, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Is This Allocation Crazy?
Replies: 10
Views: 670

Re: Is This Allocation Crazy?

Hello. I'm 68, retired and have 2 retirement portfolios, an IRA and brokerage. My fee only planner has the portfolios allocated as follows: Brokerage: 100% ETF's (Vanguard) IRA 67% Equities (ETFs), 26% Bonds, 7% Mutual Fund. Both portfolios are roughly equal in total value. I'm concerned about the ...
by ruralavalon
Thu Jan 18, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Getting unstuck from current allocation?
Replies: 6
Views: 521

Re: Getting unstuck from current allocation?

Welcome to the forum :) . I have done a decent job of saving money in my life, but not a great job of getting invested. I currently have saved a good amount of cash, but can't bring myself into deploying know given currently high equity valuations etc. At the same time, I know my current set up is l...
by ruralavalon
Wed Jan 17, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: How Jack Bogle Mastered The Paradox To Build His 'Folly' Into Vanguard
Replies: 2
Views: 380

Re: How Jack Bogle Mastered The Paradox To Build His 'Folly' Into Vanguard

Thank you for the link, that's a nice article.
Forbes wrote:The paradox of the markets is that the short-term past is an inverse guide to the future: what goes up must come down, eventually, like a yo-yo in the hand of a woman walking up a hill.
by ruralavalon
Wed Jan 17, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 81
Views: 7673

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

In a video released today Joe Davis of Vanguard says the chance of a correction this year (at least a 10% decline) is 70% "the highest in 15 years" he's been at Vanguard. Sometimes it seems they do all but say, "rebalance NOW to your chosen stock allocation!". Joe goes on to explain why trying to t...
by ruralavalon
Wed Jan 17, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & 401k Fund Options
Replies: 7
Views: 410

Re: Portfolio Review & 401k Fund Options

10%, Prudential Total Return Bond Q (PTRQX) ER 0.43%. Whenever I am researching this bond fund, it is often referred to as "High risk." I thought the point of holding bonds was to balance your high risk equities with low risk bonds? You are correct. Reducing portfolio volatility (risk) is the prima...
by ruralavalon
Wed Jan 17, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing, am I on the right track?
Replies: 25
Views: 1768

Re: New to investing, am I on the right track?

I really appreciate everyone's input thus far. Other than maybe being to ambitious with a 55 goal, for which the plan b would be to delay retirement a few years, are we on the right track to getting a long term portfolio up and running. Are there any major flaws that you guys can see that would be ...
by ruralavalon
Wed Jan 17, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3278
Views: 947288

Re: What Movie Have You Recently Watched?

Bringing Up Baby, with Cary Grant and Katherine Hepburn.

A classic comedy, the baby is a leopard.
by ruralavalon
Wed Jan 17, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Newbie - Company 401k Fund selection
Replies: 8
Views: 487

Re: Newbie - Company 401k Fund selection

Thank again for all the help guys. Here's what I'm thinking in light of the advice: The 67k in Raymond James I will consider locked up in total US stocks for now - 72% US Stock Market The Fidelity Account I will move entirely into VANG TOT BD MKT - 21.7% US Bonds The Roth IRA - I will move to VANG ...
by ruralavalon
Tue Jan 16, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing, am I on the right track?
Replies: 25
Views: 1768

Re: New to investing, am I on the right track?

Welcome to the forum :) . Some additional information is necessary. How much is the student loan debt? What are the 3-4 bond funds in his 401k with the lowest expense ratios? What are the 3-4 large cap or total market domestic stock funds in her 401k with the lowest expense ratios? (It's important t...
by ruralavalon
Tue Jan 16, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Illinois - [State] Retirement [Plan Options]
Replies: 3
Views: 294

Re: Illinois - [State] Retirement [Plan Options]

My wife has recently become an employee for the State of Illinois, her retirement options are various and I was wondering what you guys thought might be the best option. There are Vanguard Target Retirement Trusts 2050 or 2055, there are also Vanguard Treasure Money Market Fund, Vanguard Total Bond...
by ruralavalon
Tue Jan 16, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Calculator
Replies: 5
Views: 496

Re: Asset Allocation Calculator

Youngpled - Do you recall where on the Vanguard site that’s located? I had heard of that feature but could never find it on the website. Thank you When I had outside accounts, that feature was located on the "balances and holdings" page. I just checked, it's still there. Also you could use Mornings...
by ruralavalon
Tue Jan 16, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & 401k Fund Options
Replies: 7
Views: 410

Re: Portfolio Review & 401k Fund Options

Welcome to the forum :) . 1) in his 401k at Vanguard, the simplest solutions are: 90%, Vanguard 500 Index Fund Admiral Shares (VFIAX) ER 0.04%; and 10%, Prudential Total Return Bond Q (PTRQX) ER 0.43%. OR 100%, American Funds Capital Income Builder R6 (RIRGX) ER 0.30% 2) Yes, it is easy. Please see ...
by ruralavalon
Tue Jan 16, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Company 401k - is this optimal?
Replies: 10
Views: 789

Re: Company 401k - is this optimal?

What are the relative sizes of the accounts? Like this:
Taxable account @ (name of fund firm), xx%
His 401k, yy%
His traditional IRA @ Vanguard, zz%
Total = 100%
by ruralavalon
Tue Jan 16, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4552

Re: Merrill Edge best choice for higher net worth accounts?

I have never had a problem with Vanguard customer service, it has always been prompt, courteous and professional. That's pretty disingenuous. You read the forums enough to know that a LOT of people have been reporting problems. The OP was considering a move, and said "I've heard that [Vanguard] cus...
by ruralavalon
Tue Jan 16, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?
Replies: 18
Views: 2659

Re: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?

In the "extreme case" everything does fall apart. We are nowhere near an extreme case for index investing. According to Morningstar only about 22% of fund assets are passively invested. doesnt matter to me - if i do as well as the overall market, not better or worse, i will achieve my financial goal...
by ruralavalon
Tue Jan 16, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Tom's First Post needing portfolio help
Replies: 12
Views: 1337

Re: Tom's First Post needing portfolio help

Welcome to the forum :) . It's great to see that you have no consumer debt, and that you are using tax-advantaged accounts and broadly diversified index funds with low expense ratios. It looks like you are off to a good start. Please add any new information to your original post using the edit butto...
by ruralavalon
Tue Jan 16, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 2
Views: 245

Re: Portfolio Advice

Welcome to the forum :) . I agree that starting an IRA for her is a top priority. Use a low cost provider, like Vanguard or Fidelity. I agree that all new contributions should be invested in broadly diversified index funds with low expense ratios. Broad diversification is to reduce risk, low expense...