Search found 12390 matches

by ruralavalon
Thu Feb 22, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 18
Views: 1107

Re: Help choosing 401k options

What are the current sizes (in dollars) of the two accounts? Is there enough money in the Roth IRA to purchase the two funds? The initial minimum investment is $3k for each fund. 401k: 14K Roth: 3K Currently, in my Roth, I have all my money in Vanguard Target Retirement 2055 Fund. Initially, my tho...
by ruralavalon
Thu Feb 22, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor Advice
Replies: 6
Views: 745

Re: Young Investor Advice

I prefer holding bonds in a tax-deferred account like a 401k whenever possible. You really want to avoid holding in taxable when possible because you have to pay taxes on all the dividends, and it's not a favorable rate. You want to avoid holding in Roth because you want your Roth to grow as much a...
by ruralavalon
Thu Feb 22, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 21
Views: 2292

Re: Where to put 6 months of living expenses(emergency fund) ?

We currently have about 6 months of living expenses(our emergency fund, in case we lost our jobs, etc.) in the Vanguard Prime Money Market fund. Is this a good choice, or is there a better choice ? Maybe some sort of account that earns more interest for us? We also use this account occasionally to ...
by ruralavalon
Wed Feb 21, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5599
Views: 1264395

Re: U.S. stocks in freefall

wrongfunds wrote:
Wed Feb 21, 2018 2:49 pm
what happened? There has been no new entry under this topic for 3 trading days. How am I supposed to know if the US stocks are in freefall or not?
Somebody fixed the anti-gravity device, so things are falling up again.
by ruralavalon
Wed Feb 21, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 9
Views: 760

Re: Inherited tIRA all in HAINX

Welcome to the forum :) . Sorry for your loss. Hello Boglesheads, I recently inherited (as a non-spouse) about $80,000 in a tIRA held at Schwab all of it in HAINX (Harbor International). I believe I can take distributions based on my life expetancy (I am 52 y.o.) as the original account holder (my D...
by ruralavalon
Wed Feb 21, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds
Replies: 7
Views: 546

Re: Bond funds

thank you for the responses thusfar. I will try to give some basics. will invest in taxable account since I already max profit share 401K, backdoor Roth. Currently all accounts with Vanguard and most are in index funds or target retirement funds. I am trying to put some "extra" money in more tax ef...
by ruralavalon
Wed Feb 21, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds
Replies: 7
Views: 546

Re: Bond funds

Welcome to the forum :) . I am new to the forum, first post, but have read a number of the Boglehead pubs. I have just had some return of a small real estate investment, looking to reinvest in bond fund. I have way too much stock and not enough bonds in portfolio. I am looking for low cost ratio sug...
by ruralavalon
Wed Feb 21, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Sponsored 401K Fund Question
Replies: 7
Views: 455

Re: Employer Sponsored 401K Fund Question

What index is used by the International Equity Index Fund, ER 0.11%? The index used is the Morgan Stanley Capital International All Country World Excluding-US Index Investable Market Index. Excellent. That is a very diversified total international stock index fund, investing in stocks of both large...
by ruralavalon
Wed Feb 21, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 41
Views: 3355

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Age 45 is not to late to make a difference in retirement saving. Please do avoid the "free dinner guys" and their shoddy investments. :( *big sigh* OK, I am 45 and don't have an opportunity for a 401k and I haven't really contributed into social security. Yikes. Where did the time go??? Have you bee...
by ruralavalon
Wed Feb 21, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Employer Sponsored 401K Fund Question
Replies: 7
Views: 455

Re: Employer Sponsored 401K Fund Question

What index is used by the International Equity Index Fund, ER 0.11%?
by ruralavalon
Wed Feb 21, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: 401K S&P 500 Index vs. VTSAX
Replies: 8
Views: 789

Re: 401K S&P 500 Index vs. VTSAX

Great! Thank you all for the insight - I appreciate the clarifications. I will continue as suggested, and possibly open up a Roth IRA. Good decision. A S&P 500 index fund covers 81% of the U.S. stock market, investing in stocks of selected large-cap and mid-cap companies. Over the 25 years since th...
by ruralavalon
Wed Feb 21, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 18
Views: 1107

Re: Help choosing 401k options

What are the current sizes (in dollars) of the two accounts? Is there enough money in the Roth IRA to purchase the two funds? The initial minimum investment is $3k for each fund. 401k: 14K Roth: 3K Currently, in my Roth, I have all my money in Vanguard Target Retirement 2055 Fund. Initially, my tho...
by ruralavalon
Tue Feb 20, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 18
Views: 1107

Re: Help choosing 401k options

I am totally confused about your last two posts. You currently invest $750/month x 12 = $9,000/year in your 401k. You currently invest $220/month x 12 = $2,640/year in your Roth IRA. Total = $11,640/year. But you also say you plan to make the maximum contribution to the Roth IRA (which would be $5,...
by ruralavalon
Tue Feb 20, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 21
Views: 2292

Re: Where to put 6 months of living expenses(emergency fund) ?

Thanks all. Our mortgage will be paid off in August. I work part time and my wife is going to switch to part time soon. Once the mortgage is paid off, do you think the emergency fund of $50,000 is excessive and should be reduced? After the mortgage is paid off, then how much would be necessary to c...
by ruralavalon
Tue Feb 20, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 15
Views: 1353

Re: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)

It appears that your income (federal tax bracket 33%) is too high to receive a deduction for traditional contributions to an IRA, and too high to make regular Roth IRA contributions. Is there a High Deductible Health Plan (HDHP) offered at work so that you are eligible to use a Health Savings Accoun...
by ruralavalon
Tue Feb 20, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Help deciding on 401k options
Replies: 6
Views: 470

Re: Help deciding on 401k options

Welcome to the forum :) . Some additional information might be helpful. What is your age? What is your tax bracket, both federal and state? What is your tax filing status? Do you have any debt, if so what types, amounts and interest rates? Is this your only account? Do you have an IRA? Is there an e...
by ruralavalon
Tue Feb 20, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 21
Views: 2292

Re: Where to put 6 months of living expenses(emergency fund) ?

Vanguard Prime Money Market Fund ( currently have about 6 months of living expenses(our emergency fund, in case we lost our jobs, etc.) in the Vanguard Prime Money Market fund. Is this a good choice, or is there a better choice ? Maybe some sort of account that earns more interest for us? We also u...
by ruralavalon
Mon Feb 19, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover [after job loss]
Replies: 6
Views: 418

Re: 401K rollover [after job loss]

Thanks for the responses. We are %28 federal, and best I can tell 5.5 state. not exactly sure of her detailed investments. It's basically in asset allocation at about 75% stock and 25% bonds. We will eventually be retiring in NC if all goes as planned.I think I will call Vanguard tomorrow and see w...
by ruralavalon
Mon Feb 19, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894205

Re: What Book Are You Currently Reading? Part VI

River of Grass, by Marjory Stoneman Douglas.

This is a history of Florida and the Everglades through the creation of Everglades National Park in 1947.
by ruralavalon
Mon Feb 19, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account advice
Replies: 3
Views: 381

Re: Taxable account advice

Turn off any automatic reinvestment of dividends you may have set up in the taxable account, direct the dividends to a money market fund and periodically invest the money in Vanguard Total Stock Market ETF (VTI). If you have any stocks with capital losses in the taxable account, then sell stocks wit...
by ruralavalon
Mon Feb 19, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover [after job loss]
Replies: 6
Views: 418

Re: 401K rollover [after job loss]

Welcome to the forum :) . What is your tax bracket, both federal and state? What funds is she using in her 401k account from the former employer? Please give fund names, tickers and expense ratios. Is there an account maintenance fee charged if she leaves her 401k account there? Hello, was wanting i...
by ruralavalon
Mon Feb 19, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: 401K options, I think I can choose better funds
Replies: 16
Views: 588

Re: 401K options, Ii think I can have choose better funds

Personally I would choose FUSVX FID 500 INDEX and FSIVX FID INTL INDEX at your chosen split and contribute as much as possible while then proceeding to forget about it for a couple of decades. :D +1 Maybe 75% FUSVX and 25% FSIVX I agree with the FUSVX but why not instead of FSIVX do FSEVX. The turn...
by ruralavalon
Mon Feb 19, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: 401K options, I think I can choose better funds
Replies: 16
Views: 588

Re: 401K options, Ii think I can have choose better funds

In selecting funds to use strive for a combination of broad diversification (to decrease your risk) and low expense ratios (to increase your net return). In my opinion in your 401k the better funds to consider using include: 1) Fidelity 500 Index Fund Premium Class (FUSVX) ER 0.035% 2) Fidelity Tota...
by ruralavalon
Mon Feb 19, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor Advice
Replies: 6
Views: 745

Re: Young Investor Advice

Welcome to the forum :) . Asset allocation. At age 28 I suggest about 20% in bonds. This is expected to significantly reduce portfolio volatility (risk) with only a relatively small decrease in portfolio returns. Please see the wiki article "Asset Allocation" and the wiki article "Boglehead's Invest...
by ruralavalon
Mon Feb 19, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Time for a short term bond etf?
Replies: 8
Views: 1023

Re: Time for a short term bond etf?

Thanks to all who replied. Dbr, your words stung a bit (not your intention, I'm sure) but were the jolt I needed to re-examine my thinking. I fear I've fallen prey to media chatter and betrayed some basic Boglehead principles! Though I have been index investing with Vanguard in my IRAs for quite a ...
by ruralavalon
Sun Feb 18, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Time for a short term bond etf?
Replies: 8
Views: 1023

Re: Time for a short term bond etf?

I am a little light in the bond portion of my retirement portfolio. I need to soon put about 6k into my Vanguard SEP-IRA in any case, and am wondering whether it should be BND, VCSH, BSV or something else. The rest of my bond holdings are in total/intermediate bond funds, but are in my Roth-IRA or ...
by ruralavalon
Sun Feb 18, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 528

Re: Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloc...
by ruralavalon
Sun Feb 18, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 15
Views: 1012

Re: Emerging Markets or Total International Market?

:shock: Hi. I'm 31, just started saving serious money, and recently read A Random Walk Down Wall Street, which convinced me of the wisdom of indexing rather than stock picking. I'm about to purchase my first index funds and I'm thinking a 50/50 split between a total US domestic and international mar...
by ruralavalon
Sun Feb 18, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1369

Re: Expected return of US vs International, basic question

randomizer wrote:
Sun Feb 18, 2018 12:43 pm
World market cap weight and forget about it.
Or 20-30% of stocks in international stocks, and forget about it.
by ruralavalon
Sun Feb 18, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Small/Mid cap correlation
Replies: 5
Views: 511

Re: Large/Small/Mid cap correlation

Looking at VTI vs VOO there does not seem to be a whole lot of difference during the last correction: VTI -9.83% VOO -10.08% Would there be many cases when the performance between the two would be radically different? I know VOO is large-cap only and VTI includes mid and small cap as well. In gener...
by ruralavalon
Sun Feb 18, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1369

Re: Expected return of US vs International, basic question

Opinions differ about investing in international stocks. I have read on this forum and elsewhere that international is expected to outperform the US over the next decade. If that were true, why wouldn't people sell their US stocks and buy international? Shouldn't that happen, which would increase th...
by ruralavalon
Sat Feb 17, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 18
Views: 1107

Re: Help choosing 401k options

I am totally confused about your last two posts. You currently invest $750/month x 12 = $9,000/year in your 401k. You currently invest $220/month x 12 = $2,640/year in your Roth IRA. Total = $11,640/year. But you also say you plan to make the maximum contribution to the Roth IRA (which would be $5,5...
by ruralavalon
Sat Feb 17, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting RMDs
Replies: 18
Views: 2089

Re: Reinvesting RMDs

I am thinking of having one RMD withdrawal. It will be at end of year. I will reinvest the amount. So this will be Total Stock Market (deferred) to Total Stock Market (taxable). Questions - 1. Should I time this to happen just after the December distribution for the purchase in the taxable account ...
by ruralavalon
Sat Feb 17, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, New Accounts/Transfers, New Allocations
Replies: 2
Views: 246

Re: New Job, New Accounts/Transfers, New Allocations

Since the funds in the 401k have no tickers they are not mutual funds, they will be Commingled Investment Trusts (CITs), Investment Pools or Separate Accounts. In the 401k materials or on the 401k website there will be a Fact Sheet for each fund, just 1 or 2 pages describing its investment strategy,...
by ruralavalon
Sat Feb 17, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Are we TOO diversified? Time to hire a professional? Who has?
Replies: 14
Views: 1842

Re: Are we TOO diversified? Time to hire a professional? Who has?

I suggest consolidating accounts at Fidelity. Even though I am a huge Vanguard fan, because the 401k's are at Fidelity to simplify I suggest moving the Roth IRAs and rollover IRAs to Fidelity. Having fewer custodians will make it easier to manage your investments. This will also reduce the number of...
by ruralavalon
Sat Feb 17, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 872

Re: Investment strategy... have an extra 1000 a month to spend

Without boring everyone we have an extra 1k-2k a month that I would like to start investing with. I would like this to be somewhat liquid as I am a commissioned based employee. I have been thinking about the dollar cost averaging thing in either index funds or buying a few solid individual stocks e...
by ruralavalon
Fri Feb 16, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894205

Re: What Book Are You Currently Reading? Part VI

Gumbo Limbo, by Tom Corcoran.

On Key West a part time police photographer sorts out multiple murders, break ins, and an old friend's ed entanglement with serious criminals.
by ruralavalon
Fri Feb 16, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 127
Views: 8843

Re: Torn between Vanguard, Fidelity and Schwab

What am I missing? Please tell me the rate on Schwab money market? I suspect it is very low so they can peddle ultralow index funds. I know for a fact that Vanguard pays about 30 basis points more on its federal money market, short term muni fund and intermediate term muni than similar Fidelity pro...
by ruralavalon
Fri Feb 16, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 15
Views: 1353

Re: Just finished reading "Bogelheads Guide To Investing" and ready to start asking 101 level questions :)

Welcome to the forum :) . That was a very good choice in reading materials to start you off. In my opinion you are asking the right questions, which is more than half the battle. Asset allocation. First decide on an asset allocation. At age 31 I suggest about 20% in bonds. This is expected to signif...
by ruralavalon
Fri Feb 16, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 18
Views: 1107

Re: Help choosing 401k options

I appreciate your thorough response. This is what I understand: 401K: 20% bonds, 20% international stocks, 60 domestic stocks Roth 401K: Invest all money in total market international stock index funds for diversification. Do you have a Roth IRA? Or are you making Roth contributions to your 401k? T...
by ruralavalon
Fri Feb 16, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5599
Views: 1264395

Re: U.S. stocks in freefall

Cheers to those who held... shots for those that bought more! What about those of us who wanted to buy more, but hadn't kept any dry powder aside to do so. :) Those are the smart ones, who stay fully invested and do not time the market. Cheers for anyone who held steady and didn't sell. Cheers for ...
by ruralavalon
Fri Feb 16, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: 2 year portfolio check
Replies: 11
Views: 791

Re: 2 year portfolio check

Depending on what funds are offered in the investor's 401k, the three funds in a three-fund portfolio are usually: 1) Vanguard Total Stock Market Index Fund (or Vanguard 500 Index Fund) for U.S. stocks; 2) Vanguard Total International Stock Index Fund (or similar broadly diversified, low expense rat...
by ruralavalon
Fri Feb 16, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Starting a new account
Replies: 6
Views: 500

Re: Starting a new account

Welcome to the forum :) . Some additional information would be helpful. Do you currently have any investing or retirement accounts, or is this your first account? What is your age? What is the general purpose for this account? Are you employed, and have earned income? About how much? You can simply ...
by ruralavalon
Fri Feb 16, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Just wondering if you do this...
Replies: 10
Views: 1689

Re: Just wondering if you do this...

Hi all, Just wondering if anyone invests in anything other than for retirement - things like dividend stocks, real estate or REITs (not homeownership), crowdfunding, peer-to-peer lending, tax liens, etc. If anyone does make any kinds of investments like these, what purposes do they serve? Supplemen...
by ruralavalon
Fri Feb 16, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: 2 year portfolio check
Replies: 11
Views: 791

Re: 2 year portfolio check

Please add the fund and ETF names, so members who want to respond don't have to look up what you are referring to. Please state the percentage of the total portfolio in each account. Please just add this to your original post using the edit button (the pencil icon near the top the right of your pos...
by ruralavalon
Fri Feb 16, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Should I make a move?
Replies: 4
Views: 470

Re: Should I make a move?

I have been saving up to start a simple Vanguard all-in-one "life strategy" fund to begin to dip my toes in the investing world outside of my 401k/Roth to *hopefully* get a better ROI than my savings account with my bank. I was going to take 4000 dollars (and additional ~400 dollars a month) and in...
by ruralavalon
Fri Feb 16, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: 2 year portfolio check
Replies: 11
Views: 791

Re: 2 year portfolio check

Please add the fund and ETF names, so members who want to respond don't have to look up what you are referring to. Please state the percentage of the total portfolio in each account. Please just add this to your original post using the edit button (the pencil icon near the top the right of your post...
by ruralavalon
Thu Feb 15, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why not just do CDs and skip bonds?
Replies: 37
Views: 6966

Re: Why not just do CDs and skip bonds?

Perhaps I’m missing something, but with CD’s being insured up to $250K and having rates comparable or in excess of most or many more highly rated bonds, why not just predominantly rely on CD’s for fixed income and largely skip bonds? (I do recognize the holding requirement for CD’s and some tax ben...
by ruralavalon
Thu Feb 15, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds 401k Advise
Replies: 19
Views: 787

Re: American Funds 401k Advise

Is your employer’s plan a 401k or a SIMPLE IRA? If it’s a SIMPLE, look at your paperwork and see if it’s a Form 5304 or a 5305. If it’s a SIMPLE, have you contributed to it for 2 years? If you answer as to what type of SIMPLE, you may get a potentially valuable suggestion here! Kickstart please let...