Search found 20855 matches

by ruralavalon
Wed Apr 14, 2021 4:10 pm
Forum: Personal Investments
Topic: Help diversifying 401k + personal investment account
Replies: 3
Views: 134

Re: Help diversifying 401k + personal investment account

Asset allocation. Desired Asset allocation: Majority stock in taxable account. Less in retirement account. What overall asset allocation do you want for the portfolio as a whole? It's usually better to coordinate investments among all accounts treating all accounts together as a single unified port...
by ruralavalon
Wed Apr 14, 2021 3:30 pm
Forum: Personal Investments
Topic: Value ETF
Replies: 3
Views: 148

Re: Value ETF

Welcome to the forum :) . Hi everyone, I'm looking to put together a combination of growth and value ETFs for use in my ROTH account. For value, I'm looking at the following: Vanguard Value ETF (VTV), ER =.04% Avantis US Small Cap Value ETF (AVUV), ER = .25% Vanguard S&P Small Cap Value 600 ETF ...
by ruralavalon
Wed Apr 14, 2021 2:45 pm
Forum: Personal Investments
Topic: Help diversifying 401k + personal investment account
Replies: 3
Views: 134

Re: Help diversifying 401k + personal investment account

Welcome to the forum :) . It's great to see you making maximum annual employee contributions to your 401k account, and using low expense ratio index funds. Hi Bogleheads I just finished reading the Three Fund Portfolio book and I was inspired to come here and ask for some guidance. I'm mid 30s and e...
by ruralavalon
Wed Apr 14, 2021 2:31 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 18
Views: 559

Re: thinking about adding some REIT

Was talking to my advisor. He pointed out that I have 0 REIT. he said I should look at moving some of my sideline cash and get some. he said take a look at HTA and FRT. Anyone have any favorite REIT they like? Thanks! We used Vanguard Real Estate Index Fund Admiral Shares (VGSLX) for a small part o...
by ruralavalon
Wed Apr 14, 2021 2:21 pm
Forum: Personal Investments
Topic: Tax deferred balance, keep it at 403b or move it to IRA?
Replies: 16
Views: 811

Re: Tax deferred balance, keep it at 403b or move it to IRA?

W I'll you current employer's plan accept a rollover of the old 403b? Does your current employer's plan offer good funds with with low expense ratios? If so then a rollover into your new employer's plan may be the best choice for you. Thanks for the suggestion. However, I have not reached the age o...
by ruralavalon
Wed Apr 14, 2021 11:11 am
Forum: Personal Investments
Topic: The portfolio of a young mind
Replies: 10
Views: 1176

Re: The portfolio of a young mind

I am 72, and invest conservatively, no different from 99% of the people in this forum. I show below a younger generation investor in my family. For me it may be a bit too late, but for those younger than me that follow Bogleheads, is it time to get a bit more modern and may be add to the 3 Fund por...
by ruralavalon
Wed Apr 14, 2021 11:02 am
Forum: Personal Investments
Topic: Prioritizing investments
Replies: 5
Views: 601

Re: Prioritizing investments

Hi all! I am brand new to investing, having just read The Bogleheads Guide to Investing and a lot of the wiki. I am hoping you can help guide me on how I should best prioritize my investments. Specifically, I am wondering if I should contribute the maximum to an IRA for 2020 and moving forward or a...
by ruralavalon
Wed Apr 14, 2021 10:51 am
Forum: Personal Investments
Topic: Tax deferred balance, keep it at 403b or move it to IRA?
Replies: 16
Views: 811

Re: Tax deferred balance, keep it at 403b or move it to IRA?

Hello fellow Bogleheads, I am thinking about transferring the entire balance on my TIAA 403b (from my previous job) to Vanguard IRA. Then I plan to do Roth conversion over next a few years starting next year. I was hesitant to move the whole balance to IRA because of the complication for backdoor R...
by ruralavalon
Wed Apr 14, 2021 10:27 am
Forum: Personal Investments
Topic: Should I roll old 401k or not
Replies: 16
Views: 1011

Re: Questions about Diversification and using BrokerageLink

I recently rolled over my old 401k to my new one due to excessive fees levied by my old employer (now that I don't work there anymore). The old 401k was split 82.27% S&P 500 Large Cap, 10.67% Russell 2000 Small Cap, 7.06% Emerging Markets. The new 401k is 100% S&P 500 which is the only dece...
by ruralavalon
Wed Apr 14, 2021 10:15 am
Forum: Personal Investments
Topic: Where to invest 6k in Roth?
Replies: 12
Views: 987

Re: Where to invest 6k in Roth?

All - I have contributed 6k to traditional IRA ( non deductible) for 2020 and in the process of converting to ROTH IRA ( back door strategy) Can you please advice whether I should invest this 6k in index fund like VTSAX or buy some good growth stocks ( any suggestions?) My horizon is long term and ...
by ruralavalon
Wed Apr 14, 2021 10:02 am
Forum: Personal Investments
Topic: Alternative to Total Bond?
Replies: 42
Views: 3585

Re: Alternative to Total Bond?

In typical retirement portfolios that have meaningful allocations to both stocks and bonds, the volatility and overall risk of stocks dominates that of bonds so strongly that you just don't see huge difference in portfolio behavior with changes in bond holdings. Outstanding point made. In my opinio...
by ruralavalon
Wed Apr 14, 2021 9:41 am
Forum: Personal Investments
Topic: Should I roll old 401k or not
Replies: 16
Views: 1011

Re: Should I roll old 401k or not

ah, Small Caps are soaring today as well and so are emerging markets... wish I would've waited a couple of days before selling, ouch! I guess it's Murphy's law... the positions that were doing poorly for months and years start to SKYROCKET JUST after you sold your position :oops: Thank you for caus...
by ruralavalon
Tue Apr 13, 2021 4:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6547
Views: 1450111

Re: What Movie Have You Recently Watched?

Murder in Mesopotamia, on YouTube.

While Poirot is on holiday in Iraq, the wife of the head scientist at an archaeological dig confides to him that she is the target of threatening letters.
by ruralavalon
Tue Apr 13, 2021 2:18 pm
Forum: Personal Investments
Topic: [What do you read for financial news?]
Replies: 4
Views: 430

Re: [What do you read for financial news?]

Since going to a three fund portfolio, I have continued my subscription to Barrons, Morningstar, and Skousen. I am wondering if I should just drop them and get my financial news off the tv or the net. At least I wouldn't be tempted as much to buy an individual stock. For financial news I use Mornin...
by ruralavalon
Tue Apr 13, 2021 2:11 pm
Forum: Personal Investments
Topic: Vanguard now allows rollovers into i401k's
Replies: 1
Views: 280

Re: Vanguard now allows rollovers into i401k's

Just got off the phone with Vanguard. They now allow rollovers into individual (solo) 401k's. After amending my i401k plan documents (takes a few days) I'll be all set. I know this has been a major detractor of the i401k offering at Vanguard, so just thought I'd put the word out. That's very good n...
by ruralavalon
Tue Apr 13, 2021 2:05 pm
Forum: Personal Investments
Topic: Alternative to Total Bond?
Replies: 42
Views: 3585

Re: Alternative to Total Bond?

Invest for the long-term, don't base any investing decision on just 3 months. Questioning our decision to stay the course with Total Bond. We are following the 3 fund portfolio for the most part without fixed income (Bond) portion in our tIRAs. The accounts lost a substantial amount during the last ...
by ruralavalon
Tue Apr 13, 2021 1:59 pm
Forum: Personal Investments
Topic: picking a good ETF for Europe Market
Replies: 3
Views: 236

Re: picking a good ETF for Europe Market

Vanguard FTSE Europe ETF (VGK) ER 0.08%.

But why just Europe?
by ruralavalon
Tue Apr 13, 2021 10:24 am
Forum: Personal Investments
Topic: Help with my 457b Allocation Please
Replies: 8
Views: 709

Re: Help with my 457b Allocation Please

Congratulations on your imminent wedding. I have been averaging about $500-$600 per month into my current accounts. $360 into 457. $150-$200 into my taxable stocks. But my plan is to first pay off my debt on my CC with any extra cash/stock sales before investing more into stocks. And then invest tha...
by ruralavalon
Mon Apr 12, 2021 6:07 pm
Forum: Personal Investments
Topic: What equities fund should I add to my Target Date Fund?
Replies: 15
Views: 1121

Re: What equities fund should I add to my Target Date Fund?

Thank you for your perspective, ruralavalon. That's what I'm struggling with--just keeping it simple and taking whatever the TDF gives me, or by taking an educated gamble in hopes of capitalizing on some higher returns. Simple can produce higher returns. An allocation fund seems to insulate investo...
by ruralavalon
Mon Apr 12, 2021 2:46 pm
Forum: Personal Investments
Topic: What equities fund should I add to my Target Date Fund?
Replies: 15
Views: 1121

Re: What equities fund should I add to my Target Date Fund?

A typical 2050 fund like Vanguard’s is already 90% equity. You really can’t get meaningfully more exposure than that. Later target date funds generally won’t be more aggressive (none of them will put you at 100% equity) but will delay the start of the glide path, so you’ll stay at that level for lo...
by ruralavalon
Mon Apr 12, 2021 2:37 pm
Forum: Personal Investments
Topic: Should I roll old 401k or not
Replies: 16
Views: 1011

Re: Should I roll old 401k or not

The new 401k has a very poor Small Cap choice and no EM choices at all so I would have to sell the ODVIX and Small Cap positions and just use the S&P 500. . . . . . So here are my choices: 1. Sell everything in old 401k and roll in to my existing S&P 500 position in my new 401k, that would ...
by ruralavalon
Mon Apr 12, 2021 10:50 am
Forum: Personal Investments
Topic: Help with my 457b Allocation Please
Replies: 8
Views: 709

Re: Help with my 457b Allocation Please

Debt. Debt: $3500 credit card debt 18% interest and 8k student loan (Paying CC debt off asap) Pay off the 18% credit card debt immediately, use money from sales of assets in your taxable account. What is the interest rate on your student loan? Asset allocation. Age: 31 Desired Asset allocation: 50%...
by ruralavalon
Mon Apr 12, 2021 10:40 am
Forum: Personal Investments
Topic: Partial rollover of current 401k to Vanguard
Replies: 4
Views: 433

Re: Partial rollover of current 401k to Vanguard

I turn 60 this year, I think my plan does allow in service withdrawals (non hardship ) , I just need the okay from the company. Thank you for the link! What is the correct terminology for this? Is it a withdrawal or a in kind transfer? I do not want any tax consequences. Thanks It is a "distri...
by ruralavalon
Mon Apr 12, 2021 10:34 am
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 7856

Re: I cant find anything better than S&P

Just putting money in S&P is what I am doing. I tried to look into buying real estate Buying individual stocks and etc. But everything seems like a lot of hassle and more risk than just cruising with DCA into the market. Do you guys have any other suggestion where to put money? You failed to me...
by ruralavalon
Mon Apr 12, 2021 10:16 am
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7756

Re: Mixing Bogle and Ramsey to build my portfolio

[quoted post removed by admin LadyGeek] This is the kind of vitriol that at times makes Bogleheads an unwelcome site to visit. The OP wanted to gain perspective on his current situation. Instead his thread was hijacked and one of the tools the the OP used to help get him where he is was trashed. I ...
by ruralavalon
Sun Apr 11, 2021 3:49 pm
Forum: Personal Investments
Topic: Investment Allocation: Unpredictable Income
Replies: 16
Views: 944

Re: Investment Allocation: Unpredictable Income

Welcome to the forum :) . What is your age? I'm trying to find a low fee, simple way that I can sleep well at night knowing I own a very small piece of the whole world's productivity and can use the dividends to always ensure I have an income. My objective is to create a consistent passive source of...
by ruralavalon
Sun Apr 11, 2021 3:14 pm
Forum: Personal Investments
Topic: International equity ETF options (IXUS, IDEV, IEMG)
Replies: 8
Views: 834

Re: International equity ETF options (IXUS, IDEV, IEMG)

Excellent analysis, thanks. IXUS is market cap weighted so I presume China may eventually become the largest component of this ETF? I would not assume that. iShares Core MSCI Total Intl Stk ETF (IXUS) is currently about 11% China. The Morningstar style box for iShares Core MSCI Total Intl Stk ETF (...
by ruralavalon
Sun Apr 11, 2021 11:13 am
Forum: Personal Investments
Topic: Partial rollover of current 401k to Vanguard
Replies: 4
Views: 433

Re: Partial rollover of current 401k to Vanguard

Welcome to the forum :) . I would like to transfer some of my current 401k to Vanguard because of high fees, still working for a few more years and still contributing to current 401k. Are there any restrictions on this? Fee for Vanguard Life Strategy Income Fund is .65% for work 401k compared to .11...
by ruralavalon
Sun Apr 11, 2021 11:01 am
Forum: Personal Investments
Topic: Which Roth to choose - IRA or 401k
Replies: 20
Views: 1734

Re: Which Roth to choose - IRA or 401k

Thanks. The calculations do help confirm what I had already saw in my numbers regarding contributing to the Roth instead of all into the traditional. But whether to use the employers or the already established Roth was my next dilemma. I realized my employer is passing on the management fees that o...
by ruralavalon
Sun Apr 11, 2021 10:56 am
Forum: Personal Investments
Topic: Which Roth to choose - IRA or 401k
Replies: 20
Views: 1734

Re: Which Roth to choose - IRA or 401k

Nate7out wrote: Thu Apr 08, 2021 7:19 pm Sounds like index annuity or variable annuity. That's how the fake mutual funds in a 403b work when you are stuck with an insurance company.
Are these Collective Investment Trusts, where dividends are automatically reinvested in the trusts? That seems more likely to me.
by ruralavalon
Sun Apr 11, 2021 10:13 am
Forum: Personal Investments
Topic: Target date funds in retirement vs bucket strategy
Replies: 5
Views: 557

Re: Target date funds in retirement vs bucket strategy

Welcome to the forum :) . My investable assets are in target date funds in both my retirement and taxable accounts with 45/55 allocation stocks/bonds in each. Does this method of investing conflict with using a bucket strategy as my stocks and bonds are commingled in a single target date fund obliga...
by ruralavalon
Sun Apr 11, 2021 9:40 am
Forum: Personal Investments
Topic: Analysis paralysis about International in Taxable Account
Replies: 26
Views: 1565

Re: Analysis paralysis about International in Taxable Account

Vanguard Total Stock Market ETF (VTI) is identical to Vanguard Total Stock Market Index Fund (VTSAX), it's just another share class of the same fund. Vanguard Total International Stock ETF (VXUS) is identical to Vanguard Total International Stock Index Fund (VTIAX) it's just another w class of the ...
by ruralavalon
Sun Apr 11, 2021 9:18 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6547
Views: 1450111

Re: What Movie Have You Recently Watched?

Death on the Nile, on YouTube.

2004 version starting David Suchet as Hercule Poirot. A wealthy American heiress honeymooning on a Nile cruise ship is stalked by a former friend, whose boyfriend she had stolen before making him her new husband.
by ruralavalon
Sat Apr 10, 2021 1:35 pm
Forum: Personal Investments
Topic: Analysis paralysis about International in Taxable Account
Replies: 26
Views: 1565

Re: Analysis paralysis about International in Taxable Account

Either way will be okay. What international stock funds are offered in your employer's 401k plan? Which fund is most tax-efficient varies from year to year, it depends on factors like the promotion of qualified dividends. Recently Vanguard Total Stock Market Index Fund has been more tax eficient. S...
by ruralavalon
Sat Apr 10, 2021 11:10 am
Forum: Personal Investments
Topic: Looking for a well-diversified portfolio of 100% stocks
Replies: 14
Views: 1134

Re: Looking for a well-diversified portfolio of 100% stocks

I am looking for a fairly simple diversified Portfolio consisting of NO Bonds. The reason why is that when I retire early in 7 years or so, my pension will be my fixed income source covering anywhere from 85% of my expenses to (100% if I live little more frugally). I do have about 2-3 years of savi...
by ruralavalon
Sat Apr 10, 2021 10:45 am
Forum: Personal Investments
Topic: Financial advisor help
Replies: 22
Views: 2101

Re: Financial advisor help

Hi, My wife and I have gone down the financial advisor route previously, had problems, and now have opinions on what we want and don’t want. * We are NOT looking for an advisor to perform active fund management (e.g. day trading, options trading, etc.). This is what our previous manager did - we wa...
by ruralavalon
Sat Apr 10, 2021 10:11 am
Forum: Personal Investments
Topic: AA - Too conservative?
Replies: 27
Views: 2679

Re: AA - Too conservative?

After reading All about asset allocation by Richard Ferri 6 years ago I decided to set my asset allocation to 70% stocks and 30% bonds. I can’t recall exactly how I landed on this and now I’m questioning it. I’m currently 36 married with kids and have about $1m in retirement savings. With the run u...
by ruralavalon
Sat Apr 10, 2021 10:04 am
Forum: Personal Investments
Topic: Individual IRA vs 401K
Replies: 7
Views: 575

Re: Individual IRA vs 401K

I have about half of my portfolio in my own IRA/SEP/Roth with Vanguard (Total Stock Market Index/Total International Stock Market index/Total Bond market index with 60/40 split) and the other half in my company 401K in Vanguard 2025. I plan to retire this year. Should I consolidate all in one place...
by ruralavalon
Sat Apr 10, 2021 9:57 am
Forum: Personal Investments
Topic: VWAHX
Replies: 7
Views: 628

Re: VWAHX

I have no idea.

I had to look up what you were referring to, Vanguard High-Yield Tax-Exempt Fund Investor Shares (VWAHX).
by ruralavalon
Sat Apr 10, 2021 9:53 am
Forum: Personal Investments
Topic: Rolling over a 401 k
Replies: 2
Views: 226

Re: Rolling over a 401 k

I have recently retired and for a number of reasons I am considering rolling over my 401 k into a Rollover IRA. My 401 k has been held at TD Ameritrade in a Self Directed Plan. I have had after tax investments at Vanguard for quite a few years. So I am familiar with both companies. I feel to some d...
by ruralavalon
Sat Apr 10, 2021 9:48 am
Forum: Personal Investments
Topic: Analysis paralysis about International in Taxable Account
Replies: 26
Views: 1565

Re: Analysis paralysis about International in Taxable Account

Hi all, I had initially made a plan earlier this year to put my Total International (VTIAX) in my Taxable account for the purposes of foreign tax credit. I started to do this but then read in other places on the forum about it not being as tax efficient as Total Stock (like VTSAX). I also saw that ...
by ruralavalon
Sat Apr 10, 2021 9:38 am
Forum: Personal Investments
Topic: Opening up a ROTH IRA for Daughter - Just started working
Replies: 2
Views: 259

Re: Opening up a ROTH IRA for Daughter - Just started working

Hi, My daughter recently started to work full time. She was recently gifted some money. She would like to start a ROTH IRA with this money. Although I have a financial advisor, I thought that she should be able to open one up without one. Do you recommend just going online and opening up one? I wan...
by ruralavalon
Sat Apr 10, 2021 9:02 am
Forum: Personal Investments
Topic: new job and new retirement account
Replies: 13
Views: 910

Re: new job and new retirement account

got it. thank you. indexing all the way then if i roll over, ill lose the vanguard target retirement which automatically allocates periodically? would i be able to keep the fund even though new employer doesn't carry it? Ni, if you rollover you move cash to the new employer's plan and invest in wha...
by ruralavalon
Fri Apr 09, 2021 5:20 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7756

Re: Mixing Bogle and Ramsey to build my portfolio

Welcome to the forum :) . It's great to see that you are using very diversified index funds with very low expense ratios for your investing, primarily total market type index funds. In my opinion 100% stocks is unwise. I usually suggest a bond allocation even for younger investors, starting with 20%...
by ruralavalon
Fri Apr 09, 2021 5:02 pm
Forum: Investing - Theory, News & General
Topic: FSMAX Shows 6% Loss Today?
Replies: 39
Views: 2486

Re: FSMAX Shows 6% Loss Today?

FSMAX (Fidelity Extended Market Index), one of my largest holdings, shows a loss in my brokerage account of 5.67% today. There were no dividend payouts, and Vanguard's Extended Market ETF is up today. Any thoughts as to what might be going on? I called Fidelity and the representative initially trie...
by ruralavalon
Fri Apr 09, 2021 4:37 pm
Forum: Personal Investments
Topic: new job and new retirement account
Replies: 13
Views: 910

Re: new job and new retirement account

great. i will follow this advice. I will allocate 20-25% only of the money to the fidelity growth. its ER is higher than what i like and it has been doing very well recently which may not necessarily be the future. does this sound reasonable? . . . . . No. That does not sound reasonable. "Doin...
by ruralavalon
Fri Apr 09, 2021 4:23 pm
Forum: Personal Investments
Topic: new job and new retirement account
Replies: 13
Views: 910

Re: new job and new retirement account

To every friend who replied thank you from the bottom of my heart. i edited the post and include the ER and ticker symbols. please let me know the recommendations to imitate BND, VTSAX, and VXUS if you agree based on the new info I suggest these three funds: 1) FID 500 INDEX 0.015% FXAIX; 2) VANG T...
by ruralavalon
Fri Apr 09, 2021 4:12 pm
Forum: Personal Investments
Topic: new job and new retirement account
Replies: 13
Views: 910

Re: new job and new retirement account

dear friends, i was in a job that had a 403b account and currently have in it 75k. all this 75k is in vanguard target retirement funds that automatically reallocates money. i have a taxable buy and hold account that i apply three fund portfolio to (BND, VXUS, and VTI). my roth has only VTSAX and TI...
by ruralavalon
Fri Apr 09, 2021 4:01 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2278
Views: 270923

Re: Post your Financial Milestone Announcements Here

tbone555 wrote: Fri Apr 09, 2021 3:56 pm We joined the two comma club this week in liquid assets. Been a a pretty big ride up from 2017.

Edit to add: I am 40 and she is 39.
Congratulations to you too :D .
by ruralavalon
Fri Apr 09, 2021 4:00 pm
Forum: Personal Investments
Topic: Allocate 401k by contribution source
Replies: 15
Views: 921

Re: Allocate 401k by contribution source

... Person C: waits to gather information and have an informed view. You say Tomato and I say Tomahto. I agree, the best procedure is to gather more information rather than make assumptions about important facts. Superleaf444 will you be eligible for both a substantial pension and Social Security b...