Search found 14036 matches

by ruralavalon
Wed Nov 14, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 32
Views: 3536

Re: Oops! Edward Jones tops Vanguard in customer survey

The article states Vanguards rating "matches the overall rating for its sector, and that of Fidelity Investments". I wonder about the score for Schwab and others, and about the scope and methods of the survey. Does anyone have link to the American Consumer Satisfaction Report which the article refer...
by ruralavalon
Wed Nov 14, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 5
Views: 778

Re: How much to Save?

Congratulations on the new child. That's a nice contribution rate. A high rate of contributions is about the most important factor in investing success when you are young. What is your tax bracket both federal and state? What State do you pay state income tax to? Do you receive a state tax deduction...
by ruralavalon
Tue Nov 13, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: MM vs Bonds vs CDs for a 69 year old
Replies: 2
Views: 374

Re: MM vs Bonds vs CDs for a 69 year old

With $40k already dedicated to Vanguard Federal Money Market Fund (VMFXX) and $30k for individual stocks, for better diversification I suggest simply using Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) for the last $25k. However "quick and easy access" doesn't require use of a money ...
by ruralavalon
Tue Nov 13, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Won a lawsuit after a wrongful death in the family. How to invest?
Replies: 18
Views: 3052

Re: Won a lawsuit after a wrongful death in the family. How to invest?

Welcome to the forum :) . It's good to see that you are debt free. "The Little Book of Common Sense Investing" is a good choice for what to read on investing. Here is some more general advice on dealing with a windfall. 1) take your time, there is no rush; 2) temporarily park the money for a short t...
by ruralavalon
Tue Nov 13, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401K plan changing funds.. ugh
Replies: 8
Views: 437

Re: 401K plan changing funds.. ugh

Got news that our 401k plan is removing Vanguard Target Date Funds for Callan GlidePath R6 funds... Expense ratio goes from 0.15% to .54% :annoyed Does anyone know anything about this structure? I'm now having to decide if I stick with it or move everything to S&P 500 (FXAIX, 0.015%) "The Fund is s...
by ruralavalon
Tue Nov 13, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401K plan changing funds.. ugh
Replies: 8
Views: 437

Re: 401K plan changing funds.. ugh

Got news that our 401k plan is removing Vanguard Target Date Funds for Callan GlidePath R6 funds... Expense ratio goes from 0.15% to .54% :annoyed Does anyone know anything about this structure? I'm now having to decide if I stick with it or move everything to S&P 500 (FXAIX, 0.015%) "The Fund is s...
by ruralavalon
Tue Nov 13, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Savings Account
Replies: 28
Views: 1399

Re: Bonds vs. Savings Account

Newbie question here - can a high interest savings account i.e. say 1.9% take the place of Bonds in a portfolio? Why or why not? In terms of giving yourself a buffer or peace of mind in a downturn let's say you have "X" amount of dollars in a high interest earning savings account by which this allo...
by ruralavalon
Mon Nov 12, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 111
Views: 4891

Re: Roth vs. Traditional 401k

Hello, I am looking for some advice about where we should direct our retirement funds. I have read many conflicting things about Roth vs. traditional 401k. Can someone explain what would be the best fit for us? Or perhaps direct me to some resources to learn more about it for myself? Some facts abo...
by ruralavalon
Mon Nov 12, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Fund Admiral Shares Question
Replies: 22
Views: 2407

Re: Vanguard Index Fund Admiral Shares Question

Thanks for your help. I understand Valic is not a good investment vehicle to use for retirement, but there's not much that I know I can do about it. My 403b 6.2% my contributions + employer contributions I think is now 10%: stock index 40% (stock index 10) .34 exp ratio mid cap index (mid cap index...
by ruralavalon
Mon Nov 12, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Fund Admiral Shares Question
Replies: 22
Views: 2407

Re: Vanguard Index Fund Admiral Shares Question

Welcome to the forum :) . Hello! This is my first post. Someone gives you $1,000,000 and you have to invest all of the money in either one of the two Vanguard index funds for twenty (20) years. 1. VFIAX Vanguard 500 Index Fund Admiral Shares https://investor.vanguard.com/mutual-funds/profile/VFIAX 2...
by ruralavalon
Sat Nov 10, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is NOW a good time to start ETF saving journey?
Replies: 13
Views: 1305

Re: Is NOW a good time to start ETF saving journey?

Thank you for replies. It looks like indeed the time is now :) I'm sorry I did not mention that I'm not US resident. But you raised important topic of taxes, which I did not take into consideration before. I will study tax implications for my country. Since you are not a US resident I suggest you p...
by ruralavalon
Sat Nov 10, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014508

Re: What Book Are You Currently Reading? Part VI

The Living Great Lakes by Jerry Dennis.

The author tells of his life and travels on the Great Lakes, and includes stories from the history of the lakes. I enjoyed this book.
by ruralavalon
Sat Nov 10, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Keep 401k or rollover to IRA?
Replies: 3
Views: 295

Re: Keep 401k or rollover to IRA?

Love this forum and the great advice I get! Here’s another question: My wife has an old employer sponsored 401k that we rolled to an IRA with our advisor when she left the job. We are leaving our advisor and the IRA is now at vanguard. She has an additional employer 401k from an old job with low fe...
by ruralavalon
Sat Nov 10, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Is NOW a good time to start ETF saving journey?
Replies: 13
Views: 1305

Re: Is NOW a good time to start ETF saving journey?

Welcome to the forum :) . In my opinion any investing question including the words "now" or "time" is probably the wrong question. Hi everyone! Thanks for keeping this forum active - it helps us newbies to wrap our heads around investing theory and practice :happy I'm 30 yo, got some savings but nev...
by ruralavalon
Sat Nov 10, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: New Funds Added to 401K - Help with Rebalance / Relocation
Replies: 5
Views: 381

Re: New Funds Added to 401K - Help with Rebalance / Relocation

In y your 401k I suggest using; 1) Vanguard Institutional Index Fund (a S&P 500 index fund) (VINIX) ER 0.035%; 2) Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) ER 0.11%; and 3) Metropolitan West Total Return Bond Fund (MWTSX) ER 0.37%. Metropolitan West Total Return Bond Fund ...
by ruralavalon
Sat Nov 10, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 924
Views: 100372

Re: [What TV Show Have You Recently Watched?]

Call The Midwife, on Netflix.

The BBC series is set in 1950s-1960s London, about the lives of nurse midwives and their patients in the East End. We enjoyed the series.
by ruralavalon
Sat Nov 10, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7326

Re: Move savings to Prime Money Market Fund (VMMXX)

I moved all my savings from savings accounts to Vanguard's Prime Money Market Fund about three months ago, and I'm happy with the results. Sounds good. How long does it take to withdraw fund from VMMXX to an outside checking account, if you place a sell order before market close? 2 business days in...
by ruralavalon
Fri Nov 09, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078158

Re: What Movie Have You Recently Watched?

Destination Wedding , on Amazon Prime. This romantic comedy stars Keannu Reeves and Winona Ryder. Two mismatched misfits meet and constantly bicker at a wedding. (When threatened by a wild animal, they argue about whether it is a cougar, puma, or mountain lion.) The movie is way more enjoyable than...
by ruralavalon
Fri Nov 09, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4645

Re: Do you prefer etfs or mutual funds?

Welcome to the forum :) . This is my first thread! Glad I joined this community of smart and savvy investors. I’m very fortunate for everyone’s input on a day to day basis. My question... Do you prefer etfs or mutual funds? I honestly prefer etfs. They have daily liquidity and are tax efficient. I k...
by ruralavalon
Fri Nov 09, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Which Loan to Pay off?
Replies: 6
Views: 392

Re: Which Loan to Pay off?

I suggest extra payments on the $298k in student debt @ 3.625%.
by ruralavalon
Fri Nov 09, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: New job, new 401k
Replies: 9
Views: 861

Re: New job, new 401k

Sorry for the lack of information! Edited! Please add the ticker symbols and expense ratios. Expense ratios are critical in fund selection. Sometimes a 401k charges different expense ratios for funds than are charged to the general public. There are many very good funds offered in your 401k plan, y...
by ruralavalon
Fri Nov 09, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Help Pick Funds for 401K
Replies: 6
Views: 537

Re: Help Pick Funds for 401K

Can you tell me why you don’t use TIPS? I’m still learning all of this stuff. I appreciate your tips on the other funds. TIPS only protect against UNanticipated inflation. You are 45, 20 years to retirement, with a 70/30 asset allocation. Your inflation protection is your earning potential and a re...
by ruralavalon
Thu Nov 08, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3105

Re: Mid and Small Caps?

Was reading this article that makes the case of investing in MidCaps as well... https://seekingalpha.com/article/4083456-mid-caps-quietly-beating-market-25-years I have most of my portfolio in the S&P500 index which many have regarded as adequate diversification. However, when I ran a backtest from...
by ruralavalon
Thu Nov 08, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help Pick Funds for 401K
Replies: 6
Views: 537

Re: Help Pick Funds for 401K

All, what are your opinions between these funds? Total International Stock Market Vanguard total international stock index fund admiral shares Expense Ratio = 0.11% OR Vanguard total international stock index fund Expense Ratio = 0.17% They seem to be two different share classes of the same fund. I...
by ruralavalon
Thu Nov 08, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: How much is too much in savings account?
Replies: 17
Views: 3724

Re: How much is too much in savings account?

Welcome to the forum :) . It's good to see that you are contributing the maximum to your Roth IRA, are using a very diversified, low expense Vanguard fund, and will be starting your 401k next year. You are off to a good start. Hello everyone, To give a little bit of background, I am very new to inve...
by ruralavalon
Wed Nov 07, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement [what moves to make to reduce risk]
Replies: 6
Views: 928

Re: Retirement [what moves to make to reduce risk]

Welcome to the forum :) . Moving into retirement with intention to shift to a more conservative allocation in my portfolio between stocks, bonds and cash. Would also like to reduce significantly individual stock exposure. Looking for ideas on how to fill out the stock and bond exposure elements. Mut...
by ruralavalon
Wed Nov 07, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 82
Views: 9464

Re: Are We In A Real Estate Bubble?

greg24 wrote:
Wed Nov 07, 2018 4:27 pm
Real estate is local. No bubble where I am. YMMV.
No bubble here either.
by ruralavalon
Wed Nov 07, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question/Help
Replies: 12
Views: 1047

Re: Asset Allocation Question/Help

New member here but have been a VG investor for years. I'm about a year out from retirement (at 63) and thinking I should review my allocation to minimize risk. Here goes: Married filling jointly, 25% bracket, no state income tax (FL) Emergency fund: Yes Debt: No Assets: No house, car, (employer pr...
by ruralavalon
Wed Nov 07, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Order of Operations - What to hit first...
Replies: 8
Views: 1529

Re: Order of Operations - What to hit first...

Welcome to the forum :) . It's great to see that you are cash flowing your MBA, rather than incurring large student debt. Emergency funds: Three to six months of expenses. Yes Debt: $3K Student Loans @ 3.4% (in deferment as I cash flow my MBA which will be done in December), $23K Car @ 1.9% , $226K ...
by ruralavalon
Wed Nov 07, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Three Funds at Vanguard
Replies: 3
Views: 611

Re: Three Funds at Vanguard

Hi everyone, After finding you guys and posting some earlier topics, I transferred ~16,000 from Betterment to Vanguard in a ROTH IRA account. I'm 32 currently and don't have other tax advantaged accounts at the moment. I don't qualify for an HSA, and currently talking with my employer about getting...
by ruralavalon
Wed Nov 07, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 354
Views: 38801

Re: U.S. stocks continue to soar!

JoMoney wrote:
Wed Nov 07, 2018 12:00 pm
Pretty strong day... figured I'd bump this thread to jinx it ;)
That didn't work, jinx failed :) .

The S&P 500 index is still up 1.52% so far today.
by ruralavalon
Wed Nov 07, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k lackluster options
Replies: 10
Views: 521

Re: Employer 401k lackluster options

You have some excellent funds offered in your 401k, you are fortunate. I am not sure I understand why you feel you have poor choices. You have the option of doing the classic 3 fund portfolio, don’t you? After having employee plans continually changing my options every couple of years, I can underst...
by ruralavalon
Wed Nov 07, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: 403B, is mine even worth it?
Replies: 10
Views: 906

Re: 403B, is mine even worth it?

Welcome to the forum :) .

I suggest contributing to the 403b. The $40 annual a fee will become essentially meaningless as the account becomes larger over the years.
by ruralavalon
Wed Nov 07, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7326

Re: Move savings to Prime Money Market Fund (VMMXX)

In my opinion Vanguard Prime Money Market Fund (VMMXX) current SEC Yield = 2.22%, is an excellent choice for savings and other cash needs.
by ruralavalon
Wed Nov 07, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market vs. Bonds/CDs
Replies: 6
Views: 1016

Re: Prime Money Market vs. Bonds/CDs

Scorpion wrote:This all sounds a lot like market timing . . .
This is indeed market timing.

I suggest sticking with the intermediate-term Investment-grade bond and total bond market funds for investments. Vanguard Prime Money Market Fund (VMMXX) is an excellent choice for your cash needs.
by ruralavalon
Wed Nov 07, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078158

Re: What Movie Have You Recently Watched?

Charade, on Amazon Prime.

This is a classic thriller/romance starring Cary Grant and Audrey Hepburn, with Walter Matthau and James Coburn as the villains. This is an excellent movie.
by ruralavalon
Tue Nov 06, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bond alternative to balance portfolio?
Replies: 20
Views: 1690

Re: Bond alternative to balance portfolio?

What alternatives are there to bonds to keep a balanced portfolio. I'm not comfortable with bonds right now. What alternatives are there for the non-equity portion of my portfolio? 1) A money market fund such as Vanguard Prime Money Market Fund (VMMXX) current SEC Yield = 2.22%. 2) Savings accounts...
by ruralavalon
Tue Nov 06, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: New job, new 401k
Replies: 9
Views: 861

Re: New job, new 401k

Welcome to the forum :) . Don't try to guess whether this is a good time to invest. If worried you could invest in a conservative balanced fund or mix of funds. Just started a new job. They match 4% in their 401K. They use Fidelity. The market is so freaking high... What should I invest in? I set it...
by ruralavalon
Tue Nov 06, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 914

Re: Percentage of small-caps in an aggressive portfolio

I use Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX) as about 25% of our U.S. stock allocation, th d rest is Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX).

We don't tilt the international stock allocation.
by ruralavalon
Mon Nov 05, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor- fund options and allocation
Replies: 5
Views: 476

Re: New Investor- fund options and allocation

Welcome to the forum :) . Your savings rate looks very good in my opinion. You can simply add new information to your original post using the edit button (the pencil icon near the upper right corner of your post), it helps a lot if all of your information is in one place. . . . Until now we have bee...
by ruralavalon
Mon Nov 05, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605818

Re: U.S. stocks in freefall

That was sarcasm, just like the crystal ball comment. It means that the occurrence an "imminent recession" can't be known with certainty. I think you misidentified who you were replying to. Alphaless was the one who said a recession was imminent; UpperNwGuy made the crystal ball comment in response...
by ruralavalon
Mon Nov 05, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: One Fund Portfolio
Replies: 8
Views: 1289

Re: One Fund Portfolio

What is your tax bracket? This post deals with my thinking about going to a one fund portfolio and in particular the Tax-Managed Balanced fund (VTMFX). In December 2016 I posted here about my concerns about my wife being able to handle our VG account if I were to pass first. We are now in our early ...
by ruralavalon
Mon Nov 05, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605818

Re: U.S. stocks in freefall

I have been retired 8 years so am basically over the sequence of returns risk. A recession would not hurt us. We have 4 children who might be harmed by a recession, so we still care about that. Can't disagree with you. Unfortunately, recession is not a choice, and it is a reality. Given the very lo...
by ruralavalon
Sun Nov 04, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605818

Re: U.S. stocks in freefall

I have been retired 8 years so am basically over the sequence of returns risk. A recession would not hurt us. We have 4 children who might be harmed by a recession, so we still care about that. Can't disagree with you. Unfortunately, recession is not a choice, and it is a reality. Given the very lo...
by ruralavalon
Sun Nov 04, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a waste keeping money in a money market account?
Replies: 33
Views: 6996

Re: Is it a waste keeping money in a money market account?

I think its great that you are saving for a substantial down payment on a home. I think it may be worth moving from your 1.75% Capitol One money market account, how much it's worth depends on how far in the future your planned home purchase might be. I have about $60K in a money market account, wit...
by ruralavalon
Sun Nov 04, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Recalibrating retirement portfolio for 2019
Replies: 4
Views: 990

Re: Recalibrating retirement portfolio for 2019

Nothing magical about dividends as the share price is reduced by the dividend payout. I would go with the three fund-Total US stock market/Total International stock/and total bond market. I would move the Primerica to Fidelity also and use the 3 fund also. I would probably go to more like 70/30 all...
by ruralavalon
Sun Nov 04, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Select
Replies: 12
Views: 3545

Re: Vanguard Flagship Select

yousha wrote:
Thu Nov 01, 2018 1:13 pm
I am close to reaching 5 million. Does Vanguard get in touch or do I have to get in touch with my rep. Anyone.
Congratulations :D :D .
by ruralavalon
Sun Nov 04, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Is it a waste keeping money in a money market account?
Replies: 33
Views: 6996

Re: Is it a waste keeping money in a money market account?

I think its great that you are saving for a substantial down payment on a home. I think it may be worth moving from your 1.75% Capitol One money market account, how much it's worth depends on how far in the future your planned home purchase might be. I have about $60K in a money market account, with...
by ruralavalon
Sun Nov 04, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Looking for Fidelity managed mutual fund ideas
Replies: 11
Views: 621

Re: Looking for Fidelity managed mutual fund ideas

Hi BH, To complement my standard Fidelity 3FP, I am researching domestic equity and sector specific mutual funds and would like to know who is tilting their portfolio with additional mutual funds and what is considered a high ER and stock turnover percentage with managed mutual funds? TIA Why look ...
by ruralavalon
Sun Nov 04, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Help a new guy!
Replies: 21
Views: 1674

Re: Help a new guy!

OK. Brand new, so hear me out. I just opened a Vanguard Roth IRA. I bought an initial investor share of VFINX to get started, and I plan to max out my yearly contribution by making monthly transfers of $458.33. I also like the dollar cost averaging aspect of doing it this way. My question is, where...