Search found 13472 matches

by ruralavalon
Sun Aug 19, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 23
Views: 1279

Re: Where to put the first $5000

:x Welcome to the forum :) . Congratulations on starting your career as a physician. It is great to see that you plan to save aggressively. Finally at the stage where I've saved my first $5000, getting ready to open a Vanguard Roth IRA. Ideally, I plan to rollover to VTSAX next year once I meet the ...
by ruralavalon
Sun Aug 19, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation (College Graduate Edition)
Replies: 14
Views: 463

Re: Asset Allocation (College Graduate Edition)

Hi All - Recent college graduate (23 years old) looking for insights on a 100% stock allocation. Please note that I would prefer this not to turn into a discussion on 100% stocks vs 80/20 vs 90/10 (stock/bonds). I am in this for the long haul (25+ years) thus I am interested in having a 100% stock ...
by ruralavalon
Sun Aug 19, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Dan Wiener Independent Advisor for Vanguard Investors
Replies: 45
Views: 14106

Re: Dan Wiener Independent Advisor for Vanguard Investors

I am new to Vanguard and have $15K to invest. I am nervous and came across an advertisement for Dan Wiener's Independent Advisor for Vanguard Investors. The newletter seems expensive but there is no sense putting money in less favorable Vanguard mutual funds. Thoughts? Thanks. Save your money. Read...
by ruralavalon
Sun Aug 19, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 3
Views: 197

Re: Portfolio advice

Welcome to the forum :) 29 year old new professional looking for advice on portfolio allocation. Current allocation, invested in a combination of taxable and tax sheltered accounts (Total 100K): 40% in ROTH IRA, between wife and I 10% SCHA- Schwab US Small Cap ETF 40% SCHB- Schwab US Broad Market ET...
by ruralavalon
Sun Aug 19, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 72
Views: 3018

Re: Your major and investing/finance?

B.A. psychology.
J.D. law.

Neither is any help in investing. My undergraduate courses in physics, math and statistics gave me enough computational knowledge to help understand investing. I also learned to test theories with real world experiment.
by ruralavalon
Sat Aug 18, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: S&P CIT for 1 basis point, or Total Market for 1.5 basis points?
Replies: 4
Views: 230

Re: S&P CIT for 1 basis point, or Total Market for 1.5 basis points?

MotoTrojan wrote:
Sat Aug 18, 2018 1:23 pm
1/2 bp wouldn’t be part of the equation. Do you want Total US or S&P with a pricier small tilt? Implement that.
I agree, 5 thousandths of a percent difference in expense ratio is meaningless. Don't make that tiny difference any part of the decision.
by ruralavalon
Sat Aug 18, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help and Retirement
Replies: 1
Views: 257

Re: Portfolio Help and Retirement

Welcome to the forum :) . These are calculators which you might find helpful: www.firecalc.com www.i-orp.com Emergency funds: Cash in Retirement Funds totals $377K, Cash in Non-Retirement Funds total $131K Debt: No current debt aside from one credit card with about $7K. Current due is paid monthly, ...
by ruralavalon
Sat Aug 18, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Need basic advice on organizing portfolio
Replies: 9
Views: 912

Re: Need basic advice on organizing portfolio

Not sure of our tax bracket, but we're not high earners. AGI < 100k most years. Wife retired last year. I do a relatively small amount of engineering work from a home-based s-corp; I'm the only employee. We do have the BrokerageLink option on our Fidelity account, but it hasn't been activated. Payi...
by ruralavalon
Sat Aug 18, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Request your help - new to self managed investments
Replies: 6
Views: 392

Re: Request your help - new to self managed investments

Welcome to the forum :) . Hi All, I am new to this forum and really appreciate any help with our current situation. We are a married couple (36/35) with a 1 year old daughter. We are money invested through Chase Private Client and have not been thrilled with the returns we are seeing versus the fees...
by ruralavalon
Sat Aug 18, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 658

Re: 401k Advice

- I believe you can technically access IRA money at 55 - Downside is you can't take out loan against money (but not something you really want to do anyway) also since no one else has addressed this - no you cannot access IRA at 55, you are thinking of a 401k/403b. PFInterest is correct. You can wit...
by ruralavalon
Sat Aug 18, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 12
Views: 658

Re: 401k Advice

Are you making the maximum $18.5k annual employee deferral to your 401k? The new 401k has good, inexpensive fund options. If the new 401k will accept a rollover, then I suggest rolling the old 401k over into the new 401k.This simplifies your portfolio, giving you one less account to keep track of an...
by ruralavalon
Fri Aug 17, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock and Total Bond Market(s) at Vanguard
Replies: 27
Views: 3897

Re: Total Stock and Total Bond Market(s) at Vanguard

I know this is a question without 1 answer, however I can't help noticing that the corporate portion: https://investor.vanguard.com/mutual-funds/profile/VBILX 40/50% is A quality and below ; is that a concern? Is there an index that is just higher quality ? Aa and above ? or is this just going to b...
by ruralavalon
Fri Aug 17, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Any tool to help predict net worth in N years?
Replies: 11
Views: 1569

Re: Any tool to help predict net worth in N years?

I searched around but didn't find an answer. I'd like to have a tool with input - current net worth, yearly contribution (regardless of retirement or taxable account), stock/bond split (assuming yearly contribution also gets the same split). It can tell me what the net worth would (likely to) be in...
by ruralavalon
Fri Aug 17, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 25
Views: 1602

Re: Small cap tilt - value vs. growth

I'm thinking of tilting my asset allocation to small cap by 5%. Currently, it is with standard 3 fund portfolio with US stocks at 65%. Is it better to choose small cap value or growth, or just simply have small cap index fund without further dividing into value and growth? Which is the best Vanguar...
by ruralavalon
Fri Aug 17, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16547

Re: Who uses the 3 fund portfolio ?

Thanks for your pointers. Rick Ferri piece is silent about small cap weight in a portfolio. What is the acceptable range? That depends on: 1) the bond allocation; and 2) the international stock allocation. I find in REIT link REITs, due to the risks involved, should be treated as equity even though...
by ruralavalon
Thu Aug 16, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16547

Re: Who uses the 3 fund portfolio ?

Thanks for your reply. I did find in another thread,  pkcrafter wrote: ↑ Small value and REIT are pretty common additions to the 3-fund. The long term bonds are OK in an endowment, but they won't reduce volatility in an individual investor's portfolio. Replace long term bond with total bond and yo...
by ruralavalon
Thu Aug 16, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need basic advice on organizing portfolio
Replies: 9
Views: 912

Re: Need basic advice on organizing portfolio

Hi folks, I'm new here and my name is Mark. I'm hoping to tap into some of the knowledge, experience, and investment enthusiasm of the forum contributors and put it to good use. My wife and I (56 & 58 respectively) have managed to accumulate some assets in spite of my poor investment decisions, pas...
by ruralavalon
Thu Aug 16, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1468994

Re: U.S. stocks in freefall

Too bad. I was thinking to do a large rebalance into bonds today to build my bond tent. Looks like I have to do it tomorrow. I was planning on the same thing. I had meant to put an order in yesterday to move $20k of S&P to Bonds to rebalance..... I didn't do that and now I think I'll wait a few day...
by ruralavalon
Thu Aug 16, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Need basic advice on organizing portfolio
Replies: 9
Views: 912

Re: Need basic advice on organizing portfolio

Welcome to the forum :) . Hi folks, I'm new here and my name is Mark. I'm hoping to tap into some of the knowledge, experience, and investment enthusiasm of the forum contributors and put it to good use. My wife and I (56 & 58 respectively) have managed to accumulate some assets in spite of my poor ...
by ruralavalon
Thu Aug 16, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: First time investing(401k)
Replies: 21
Views: 959

Re: First time investing(401k)

Welcome to the forum :) . Its great to see that you are debt free, have an emergency fund, and will make substantial contributions to your 401k. You have already made several good decisions. I recently got out of Debt & have saved 6 month of Emergency fund. So now I am thinking to start my Roth 401k...
by ruralavalon
Wed Aug 15, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16547

Re: Who uses the 3 fund portfolio ?

I am using 3 funds, since I'm with Schwab. The "International" fund is developed markets. There is a 4th fund for emerging markets. I use three funds in all but 401k. I have to emulate 3 fund because there isn’t a total market fund. In my opinion, both are totally acceptable ways to implement the t...
by ruralavalon
Wed Aug 15, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 32
Views: 1682

Re: For i401k, Vanguard does not allow investment into Admiral Shares

You can obtain lower fees by opening a self employed 401k at Fidelity and use Fidelity's Premium Class index funds which is comparable to Vanguard’s Admiral Shares: https://www.fidelity.com/mutual-funds/fidelity-funds/why-index-funds Thanks for sharing this info about Fidelity. I'm so used ot every...
by ruralavalon
Wed Aug 15, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Moving within Fidelity
Replies: 12
Views: 1458

Re: Moving within Fidelity

So after so many moving "to" fidelity threads, this one is moving within Fidelity. I have a Rollover IRA at Fidelity that's invested in 500-index (FUSVX) and Internaltional index funds (FSIVX). Given the new ZERO index funds, it seems like a no brainer to switch. Since it is IRA, there should be no...
by ruralavalon
Wed Aug 15, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16547

Re: Who uses the 3 fund portfolio ?

I use a 3 fund portfolio. Not too simple, not too complex, and relatively easy to maintain among my 401k, IRAs, and taxable accounts. People who use 3 fund portfolios will split them among tax advantage and taxable accounts? Can you give me an example of what someone’s portfolio might look like? Yo...
by ruralavalon
Wed Aug 15, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1468994

Re: U.S. stocks in freefall

Since August 8, 2011 when this thread first started, total return of Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) is up 172% and $10,000 invested has turned into $27,275.
by ruralavalon
Wed Aug 15, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1468994

Re: U.S. stocks in freefall

corn18 wrote:
Wed Aug 15, 2018 11:11 am
oldzey wrote:
Wed Aug 15, 2018 10:57 am
Sell everything - the sky is falling! :P

Image
Man, that period from 1999-2011 was tough. No capital growth and lots of big hills. Barfaroni! Anyone who retired in 2010, though should be dancin'! :sharebeer
I retired January 2011, and feel very good :D .
by ruralavalon
Wed Aug 15, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2618

Re: 33 Male, how am I doing?

I cringe every time I hear a young man wanting to save for a down payment or go ahead and buy a house before finding a spouse. :oops: Your finances are fantastic for your position in life, consider improving health, happiness, emotional, family security. Finding the right mate may be the most impor...
by ruralavalon
Wed Aug 15, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2618

Re: 33 Male, how am I doing?

Just out of curiosity, how does your being male enter into your question? Seeing the word "male" in the title is actually what prompted me to read the thread. What possible relevance does it have to the question presented? I have no idea why I included it...I just copied another post's title that u...
by ruralavalon
Wed Aug 15, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Assistance with simplicity and asset allocation, in mid-20s
Replies: 10
Views: 741

Re: Assistance with simplicity and asset allocation, in mid-20s

Welcome to the forum :) . Its good to see that you have a pension, are debt free, have an emergency fund, and are using very diversified Vanguard funds with low expense ratios. You are doing many things right. About the most important thing to do when young and just starting is to keep your contribu...
by ruralavalon
Wed Aug 15, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: 401K fund allocation advice
Replies: 7
Views: 366

Re: 401K fund allocation advice

The simplest thing would be to just hold a target year fund aligned with your retirement year, possibly adjusting the year to the 70/30 portfolio. If you want to manage it yourself to get lower expense ratios, you can use these fund products with ERs shown. The allocation: 30% US BOND INDEX FUND 0....
by ruralavalon
Wed Aug 15, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Sought
Replies: 11
Views: 939

Re: Investment Advice Sought

Also, I was wondering what anyone thought about Vanguard TDF and supplementing with small cap value as Paul Merriman recommends? Do most people feel that Paul Merriman's slice and dice portfolios are too risky? Also, I am able to invest an additional 3-4k in to my ROTH IRA per year in addition to m...
by ruralavalon
Tue Aug 14, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2618

Re: 33 Male, how am I doing?

Welcome to the forum :) . Hi all! I've been a Boglehead style investor for a while now, but I feel like I'm kind of stagnant. I save as much as I can (recently re-did my budget trying to be more frugal), but I live in an expensive city and as someone who is single it is very hard to save up money fo...
by ruralavalon
Tue Aug 14, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3170
Views: 967513

Re: What Book Are You Currently Reading? Part VI

The Source , by Martin Doyle. This book is a history of the Constitution, federalism, property rights, law, regulation and the use of rivers in the U.S. The book covers early Europen settlement on the Atlantic, early industrialization at the fall line (sawmills, grist mills), powering factories, im...
by ruralavalon
Tue Aug 14, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 40
Views: 5199

Re: Asked my advisor about fees and here's their reply

Schwab does not offer a total international stock index fund, both Vanguard and Fidelity do. Schwab has an international stock index fund: https://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?&&path=%2Fprospect%2Fresearch%2Fmutual...
by ruralavalon
Tue Aug 14, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 40
Views: 5199

Re: Asked my advisor about fees and here's their reply

What sorts of accounts are these funds in? A work based account like a 401k, 403b, 457, TSA? An IRA? A taxable brokerage account? John, how many funds do you have. Would you mind posting some of them along with ticker symbols? Paul Sure, heres what I see: DFA T.A. U.S. Core Equity 2 (I) ER 0.24%, DF...
by ruralavalon
Tue Aug 14, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: (ETF vs Investor shares vs Admiral) VXF vs VEXAX vs VEXMX -- what's the difference?
Replies: 4
Views: 295

Re: (ETF vs Investor shares vs Admiral) VXF vs VEXAX vs VEXMX -- what's the difference?

hello, i don't understand the difference between https://investor.vanguard.com/etf/profile/VXF https://investor.vanguard.com/mutual-funds/profile/vexax https://investor.vanguard.com/mutual-funds/profile/vexmx What i vaguely remember is the mutual funds are better (?) from the manner how gains are m...
by ruralavalon
Tue Aug 14, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: First 401K Plan Advice Needed
Replies: 2
Views: 176

Re: First 401K Plan Advice Needed

Hi Everyone, My daughter is going to be starting a 401k at her new job. She has never had a company match before. She's a saver and has previously opened an IRA at Vanguard. Below are the funds she has to choose from. Her employer uses Prudential to run the 401K for employees. I do not know if she ...
by ruralavalon
Tue Aug 14, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 15
Views: 1800

Re: More cash instead of bonds

With 2+% money markets are available nowadays; does anyone hold more cash instead of bonds? What are the pros/cons of doing so? No, we still hold our fixed income allocation in Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX), current SEC Yield = 3.37%, average effective duration =...
by ruralavalon
Tue Aug 14, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3170
Views: 967513

Re: What Book Are You Currently Reading? Part VI

"The Best Land Under Heaven" by Michael Wallis In the eerily warm spring of 1846, George Donner placed this advertisement in a local newspaper as he and a restless caravan prepared for what they hoped would be the most rewarding journey of a lifetime. But in eagerly pursuing what would a century la...
by ruralavalon
Mon Aug 13, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 40
Views: 5199

Re: Asked my advisor about fees and here's their reply

Welcome to the forum :) . I'm new to the Boglehead/Vanguard approach, and have taken note of some of the books recommended here and will be buying those asap. I'm with a traditional advisor and have gotten pretty worried that I'm not ever going to be able to retire. One expense that I'm worried abou...
by ruralavalon
Mon Aug 13, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSMX
Replies: 10
Views: 798

Re: VTI vs VTSMX

I understand that VTI is an ETF and VTSMX is a index fund and their performance is identical. My question is then, why would you not choose VTI with the lower fees? Because the effect of the expense ratio difference between Vanguard Total Stock Market ETF (VTI) and Investor Shares (VTSMX) is very s...
by ruralavalon
Mon Aug 13, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash
Replies: 6
Views: 855

Re: How Much Cash

:confused I am 63 and live on SS benefits. My portfolio is 90% Vanguard funds with a smattering of individual stocks, 5% bond funds and 5% cash (maybe 4%). I've gotten a 12% return since 2008. I know, seriously out of whack but I have to deal with what is not what it should have been. How big a cas...
by ruralavalon
Mon Aug 13, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor or no advisor?
Replies: 16
Views: 1365

Re: Advisor or no advisor?

. . . . . Age: Him: 62, Her: 60 Total Retirement Portfolio: Low seven figures . . . . . Asset allocation: Domestic Stock - 59% Foreign Stock – 10% Bonds – 23% Short Term – 2% Other – 5% Wife will retire in 2019 at age 60, husband will retire at 2021 at age 65. Health insurance through husband’s emp...
by ruralavalon
Mon Aug 13, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with 401k and 403b fund choices
Replies: 3
Views: 259

Re: Help me with 401k and 403b fund choices

Hi, I am trying to replicate the 3-fund portfolio using both Vanguard Roth IRA (me and spouse), my 401K and my spouse 403b. No problem of course with the Vanguard funds. Both my 401K and my DW 403b is with Prudential. I use the following 2 funds for the US stock section: In my 401K I have Dryden S&...
by ruralavalon
Mon Aug 13, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: 3 funds now, or start off with 2?
Replies: 17
Views: 1116

Re: 3 funds now, or start off with 2?

Hypothetical: you are convinced of the wisdom of the 3 fund portfolio. You have $20k in a Roth IRA to invest. (You also have no debt and 4 months' expenses saved in cash, and a small 401k from your part time job that maxes out around $1500/yr, invested in a target date fund-- you've been there 2 ye...
by ruralavalon
Mon Aug 13, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: much better ytd return than the vg s&p 500
Replies: 7
Views: 839

Re: much better ytd return than the vg s&p 500

Hello BH hope you are doing well Just wondering what is your thought as for the YTD return. Looks like bellow YTD return is much better ( 70% more ) than the benchmark VG S&P500 ( YTD 6.7% ) stock, so why not try out them even if the ER a bit higher( i don't know how to calculate impacting actual r...
by ruralavalon
Sun Aug 12, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3658
Views: 1039229

Re: What Movie Have You Recently Watched?

Christopher Robin, with Ewan MacGregor.

Christopher Robin grows up, has a family and a job, and must deal with what is most important.This is a nice family movie, take your grandchildren.

Pooh: "People say that nothing is impossible,
But I do nothing every day."
by ruralavalon
Sun Aug 12, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: 20 year old beginning Boglehead in need of advice
Replies: 7
Views: 770

Re: 20 year old beginning Boglehead in need of advice

Thank you all so very, very much for your replies! :) I apologize for the long delay of my own response, but I wanted to finish or at least mostly finish Bogle's The Little Book of Common Sense Investing before responding. I'm currently on Chapter 15 (asset allocation), but I figured a week without...
by ruralavalon
Sun Aug 12, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: 3 funds now, or start off with 2?
Replies: 17
Views: 1116

Re: 3 funds now, or start off with 2?

Hypothetical: you are convinced of the wisdom of the 3 fund portfolio. You have $20k in a Roth IRA to invest. (You also have no debt and 4 months' expenses saved in cash, and a small 401k from your part time job that maxes out around $1500/yr, invested in a target date fund-- you've been there 2 ye...
by ruralavalon
Sun Aug 12, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Retirement guidance for 38 yr old in Silicon Valley CA
Replies: 13
Views: 2179

Re: Help with financial planning for newbie in CA

Welcome to the forum :) . It looks like some excellent funds are offered in both your old 401k plan and your new governmental 457 plan. You are fortunate. . . . . . A little additional information or clarification will be helpful. 1) How much cash do you have on hand? Is $783,471 a typo? 2) About ho...