Search found 14482 matches

by ruralavalon
Tue Jan 22, 2019 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: How should I adjust my portfolio
Replies: 24
Views: 1704

Re: How should I adjust my portfolio

I suggest coordinating investments among all accounts, treating all accounts together as a single unified portfolio, not trying to put all elements of the asset allocation in each account. This approach allows you to avoid using any less attractive higher expense funds in your 401k. In selecting fun...
by ruralavalon
Tue Jan 22, 2019 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Little advice going forward, internation/bonds/taxable
Replies: 11
Views: 471

Re: Little advice going forward, internation/bonds/taxable

Thanks for the replies, we live in Michigan, I believe state income is 4.25%. Like I said I haven't set a hard allocation to this point as we have just been trying to get to ground zero. I think ultimately we are aiming for 60 US 30intnl and 10 bonds for the next little bit until we get things buil...
by ruralavalon
Tue Jan 22, 2019 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Little advice going forward, internation/bonds/taxable
Replies: 11
Views: 471

Re: Little advice going forward, internation/bonds/taxable

What kind of account is at Edward Jones?

Are the IRAs you listed at Vanguard?

Is your taxable account at Schwab?
by ruralavalon
Tue Jan 22, 2019 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Little advice going forward, internation/bonds/taxable
Replies: 11
Views: 471

Re: Little advice going forward, internation/bonds/taxable

I think it's good that you tackled student debt and got it out of the way. I see from your other posts that you are debt free other than the mortgage note. It's good to see that you are making maximum contributions to all tax-advantaged accounts, and using very diversified funds with very low expens...
by ruralavalon
Tue Jan 22, 2019 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Go-to Bond Funds
Replies: 3
Views: 249

Re: Go-to Bond Funds

In my early 30's and know very little about investing in bonds or bond funds. Currently have less than 5% of net worth in bonds and know that I need to change this, at least over time. So far I've been buying some I bonds and also adding the Vanguard Total Bond (BND) and iShares Aggregate Bond (AGG...
by ruralavalon
Tue Jan 22, 2019 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity BrokerageLink in 401k
Replies: 9
Views: 363

Re: Fidelity BrokerageLink in 401k

Looks like my new employer has the ability to setup Fidelity BrokerageLink inside a 401k. However, it looks like the no-load MF or no-commission ETFs are only limited to iShares and Fidelity (amongst the more usable options). Only Fidelity and iShares is not very "limited". That gives you a very br...
by ruralavalon
Tue Jan 22, 2019 10:33 am
Forum: Investing - Help with Personal Investments
Topic: How should I adjust my portfolio
Replies: 24
Views: 1704

Re: How should I adjust my portfolio

You have some very good funds (very diversified with low expense ratios) offered in your 401k. You are fortunate. You can easily build a three-fund type portfolio around these 401k offerings. Are the funds you listed offered in both your 401k and also in your spouse's 401k? 1) BlackRock US All Cap E...
by ruralavalon
Tue Jan 22, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2374
Views: 1492362

Re: The Three-Fund Portfolio

Welcome to the forum :) Excellent and simple advice. My brokerage account is currently with Schwab. Would it be best to purchase Schwab funds equivalent to vanguard or buy vanguard funds through Schwab. Some of the Schwab equivalent funds sound like they occasionally use derivatives and other techni...
by ruralavalon
Tue Jan 22, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2374
Views: 1492362

Re: The Three-Fund Portfolio

In a few Jack Bogle interviews that I heard from 2018, he said that he had a problem with the Total Bond Index fund because its treasury allocation was too high. He said the he prefers (and uses) the slightly riskier and higher yielding Vanguard Intermediate-Term Bond Index Fund because it holds mo...
by ruralavalon
Mon Jan 21, 2019 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: How should I adjust my portfolio
Replies: 24
Views: 1704

Re: How should I adjust my portfolio

Those are reasonable, pretty low, expense ratios for target retirement funds. Are there any other funds offered in the 401k plans? If so please give fund names, tickers (if any), and expense ratios. It would be very unusual to have only target date funds offered. How much are you contributing annua...
by ruralavalon
Mon Jan 21, 2019 4:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789966

Re: U.S. stocks in free fall

You probably didn't notice that with my strategy I never have any dry powder. I am 100% invested all the time. Even your "emergency" fund? We are 100% invested all of the time, have no "emergency fund", and have just 2-3 months worth of expenses in a joint checking account. Ok, I will bite, why do ...
by ruralavalon
Mon Jan 21, 2019 9:58 am
Forum: Investing - Help with Personal Investments
Topic: How should I adjust my portfolio
Replies: 24
Views: 1704

Re: How should I adjust my portfolio

In your early 40s your desired asset allocation of 30% bonds is within the range of what is reasonable in my opinion. You stated you desired a 50/50 domestic/international allocation for stocks. I usually suggest around 20-30% of stocks in international stocks, which historically would have capture...
by ruralavalon
Mon Jan 21, 2019 9:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789966

Re: U.S. stocks in free fall

dknightd wrote:
Sun Jan 20, 2019 8:13 pm
livesoft wrote:
Fri Jan 18, 2019 8:29 pm
You probably didn't notice that with my strategy I never have any dry powder. I am 100% invested all the time.
Even your "emergency" fund?
We are 100% invested all of the time, have no "emergency fund", and have just 2-3 months worth of expenses in a joint checking account.
by ruralavalon
Mon Jan 21, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4056
Views: 1102914

Re: What Movie Have You Recently Watched?

The Philadelphia Story, on Turner Classic Movie (TCM) channel.

A classic comedy with Cary Grant, Katherine Hepburn, and Jimmy Stewart. A society wedding is derailed by the bride's ex-husband and tabloid journalists.
by ruralavalon
Sun Jan 20, 2019 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: How should I adjust my portfolio
Replies: 24
Views: 1704

Re: How should I adjust my portfolio

In your early 40s your desired asset allocation of 30% bonds is within the range of what is reasonable in my opinion. You stated you desired a 50/50 domestic/international allocation for stocks. I usually suggest around 20-30% of stocks in international stocks, which historically would have captured...
by ruralavalon
Sun Jan 20, 2019 10:26 am
Forum: Investing - Help with Personal Investments
Topic: How should I adjust my portfolio
Replies: 24
Views: 1704

Re: How should I adjust my portfolio

What funds are offered in your 401k plan? Please give fund names, tickers and expense ratios. The quality and expense of the funds offered in your 401k will have a lot to do with determining investment priority. If the funds offered are good it may be better to increase your contributions, and not l...
by ruralavalon
Sat Jan 19, 2019 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: How should I adjust my portfolio
Replies: 24
Views: 1704

Re: How should I adjust my portfolio

Before I got here, I made quite a few mistakes. So here is what I have: Early 40 married with 2 kids. 401k Me 175K in Retirement Target Fund - Keep the same plan every paycheck 401k Spouse 5k in Retirement Target Fund - Keep the same plan every paycheck Roth IRA Me 30k Fidelity - 16k in COST: Indiv...
by ruralavalon
Sat Jan 19, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4056
Views: 1102914

Re: What Movie Have You Recently Watched?

The Big Heat, on Turner Classic Movies (TCM) channel.

This noir film stars Glenn Ford and Gloria Grahame. An honest policeman quits the force to pursue the gangsters who killed his wife, in spite of official apathy and political corruption.
by ruralavalon
Sat Jan 19, 2019 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Never thought it would happen to me - life changing injury
Replies: 38
Views: 4804

Re: Never thought it would happen to me - life changing injury

Welcome to the forum :) . Sorry to hear of your injury and disability. It's great to see that you are debt free other than the mortgage note. About how much are your monthly living expenses currently? I am 42 years old, married, with 2 daughters (14 and 12). I had a job in which I was earning $112k ...
by ruralavalon
Sat Jan 19, 2019 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 13
Views: 1720

Re: Investment Help Request - Windfall

In my opinion it looks practical to invest the windfall in a reasonable asset allocation, while using part of the windfall to help fully fund the IRA and make the maximum annual employee contribution to the 401k for 2019 and 2020. Is the Self Directed Brokerage Account (SDBA) through Schwab? I think...
by ruralavalon
Sat Jan 19, 2019 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Newbie needing some advice - which other Vanguard funds
Replies: 20
Views: 1226

Re: Newbie needing some advice - which other Vanguard funds

Welcome to the forum :) . In selecting funds to use strive for a combination of both broad diversification (to decrease risk) and low expense ratios (to increase net return). Hi, To start it off, please forgive me if this is a stupid question or topic . Am new to this whole investment scheme and tr...
by ruralavalon
Fri Jan 18, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4056
Views: 1102914

Re: What Movie Have You Recently Watched?

Monky Business on Turner Classic Movies (TCM) channel.

The movie stars Cary Grant and Giner Rogers in a nice comedy. A scientist tries to develop a youth restoring potion, tries it out himself and his wife then tries as well.
by ruralavalon
Fri Jan 18, 2019 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 13
Views: 1720

Re: Investment Help Request - Windfall

I think that getting the money invested sooner (not waiting 15 years) sounds better, but it would help to look at the actual numbers. After you subtract a sum from the six figure settlement an amount to use for medical expenses and for a home down payment, how about much total is left to invest in ...
by ruralavalon
Fri Jan 18, 2019 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options are bad...options?
Replies: 11
Views: 454

Re: Wife's 401k investment options are bad...options?

Looking for some insight into where I should be putting additional retirement funds. Currently I am maxing out my 403b with TIAA with a modified 3 fund portfolio(TIAA traditional instead of bonds) using low ER vanguard funds. I am also maxing out my backdoor Roths for my with and I at Schwab and ou...
by ruralavalon
Fri Jan 18, 2019 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 13
Views: 1720

Re: Investment Help Request - Windfall

I have picked up the Bogleheads Guide To Investing and am reading through it. This is a problem I am lucky to have, but one of the things I am stressing about most is the excess of money that will be taxable. In theory I could follow the model of maxing out 401k/IRA contributions and supplementing ...
by ruralavalon
Fri Jan 18, 2019 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard options for Roth IRA
Replies: 9
Views: 994

Re: Vanguard options for Roth IRA

Hey, all - I'm planning on opening Roth IRAs for my wife and I, so 2 accounts. We'd like the total funds to be fairly aggressive at this time (ages 32/29). I'm going through the options today, but figured I would ask here, too! Thanks! At ages 20 and 32 I suggest around 20% in bonds or other fixed ...
by ruralavalon
Thu Jan 17, 2019 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard options for Roth IRA
Replies: 9
Views: 994

Re: Vanguard options for Roth IRA

Hey, all - I'm planning on opening Roth IRAs for my wife and I, so 2 accounts. We'd like the total funds to be fairly aggressive at this time (ages 32/29). I'm going through the options today, but figured I would ask here, too! Thanks! At ages 20 and 32 I suggest around 20% in bonds or other fixed ...
by ruralavalon
Thu Jan 17, 2019 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie needing some advice - which other Vanguard funds
Replies: 20
Views: 1226

Re: Newbie needing some advice - which other Vanguard funds

Welcome to the forum :) . In selecting funds to use strive for a combination of both broad diversification (to decrease risk) and low expense ratios (to increase net return). Hi, To start it off, please forgive me if this is a stupid question or topic . Am new to this whole investment scheme and try...
by ruralavalon
Thu Jan 17, 2019 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 15
Views: 1302

Re: Bond Allocation

At the ages of 31 and 36, a 20% bond allocation is within the range of what is reasonable in my opinion.

In my opinion it's fine to have the entire bond allocation in the G Fund.
by ruralavalon
Thu Jan 17, 2019 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Investment Allocations in Brokerage vs. Retirement Accounts
Replies: 8
Views: 655

Re: Investment Allocations in Brokerage vs. Retirement Accounts

Welcome to the forum :) . Hello Everyone, This is my first post so I apologize if it is in the wrong place. I am starting to take the reins on my financial future and have started to be more active with my investments and I have a question about what investments make the most sense in which type of ...
by ruralavalon
Thu Jan 17, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 44
Views: 5008

Re: The Worth Of A Man: A Tribute To John C. Bogle

A Bogleheads tribute to Mr. Bogle now on Forbes.com The Worth Of A Man: A Tribute To John C. Bogle Rick Ferri Very nice tribute, thanks Rick. A wall of tributes to Mr Bogle on bloomberg.com: https://www.bloomberg.com/news/articles/2019-01-17/-patron-saint-of-the-investing-business-remembering-jack-...
by ruralavalon
Thu Jan 17, 2019 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 13
Views: 1720

Re: Investment Help Request - Windfall

Thank you for the advice Ruralavalon. I have added two URL's two my original post. The first is the annual fee disclosure. It shows just a $50 fee a year for the SDBA and has a breakdown of all the options outside of the SDBA on the last few pages. The second link shows the transaction fees for the...
by ruralavalon
Wed Jan 16, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034648

Re: What Book Are You Currently Reading? Part VI

Blackwater Sound, by James W. Hall.

A loner from Key Largo out fishing on Blackwater Sound observes an airliner crash, rescues some survivors, and pursues those responsible.
by ruralavalon
Wed Jan 16, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44824

Re: RIP JACK BOGLE

Bhairston2018 wrote:
Wed Jan 16, 2019 7:00 pm
Just read the news this is really sad. Long live Bogleheads
This is sad news indeed.

There is a short article on Morningstar.
by ruralavalon
Wed Jan 16, 2019 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 13
Views: 1720

Re: Investment Help Request - Windfall

Welcome to the forum :) . I hope that your medical issues resolve favorably and soon. It's good to see that you are debt free, and interested in using low expense index funds. I have asked a few questions. Please add any additional information to your original post using the edit button (the pencil ...
by ruralavalon
Wed Jan 16, 2019 11:27 am
Forum: Investing - Help with Personal Investments
Topic: When to use Roth 401k
Replies: 22
Views: 1671

Re: When to use Roth 401k

For most people traditional 401k contributions are likely better. The tax code is progressive, with higher tax rates for higher income. Retirement usually means the end of earned income, so most people will have lower income during retirement and will be in a lower tax bracket during retirement. So ...
by ruralavalon
Wed Jan 16, 2019 8:43 am
Forum: Investing - Help with Personal Investments
Topic: When to use Roth 401k
Replies: 22
Views: 1671

Re: When to use Roth 401k

I'm wondering if there is a general consensus as to when it makes sense to put some or all of one's 401(k) deferrals into the Roth side of the account. I max out my 401k and use a backdoor Roth. Wife does as well, and we are hoping to save 30kish a year beyond that for the foreseeable future. Our c...
by ruralavalon
Tue Jan 15, 2019 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Vanguard or Blackrock??
Replies: 16
Views: 1060

Re: Portfolio Question - Vanguard or Blackrock??

Hi all, just wanted to as the Boglehead community about their opinion on some 401k fund choices. My employer switched funds this year and I need to choose by end of the week. Goal is to try to mimic the Total Market. For Option 2, I'm not worried about not having any international as I can offset t...
by ruralavalon
Tue Jan 15, 2019 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Please Point me Where to Look For an Advisor for My Mother:
Replies: 14
Views: 951

Re: Please Point me Where to Look For an Advisor for My Mother:

Avoid Edward Jones like the plague. In the previous thread I suggested the Garrett Planning Network (https://www.garrettplanningnetwork.com), have you looked into that? + 1, this is a good place to start looking Also try this site https://www.napfa.org. Harry Sit, who sometimes posts here, offers a ...
by ruralavalon
Tue Jan 15, 2019 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11301

Re: Biggest Investment Mistake

Not starting sooner seems to be a common thread here but remember what it was like in your 20s? There was barely any money left over after expenses and retirement seemed sooooo far away... We had 3 of our 4 children in our 20s, and bought a house, so had little extra to put toward anything long-ter...
by ruralavalon
Mon Jan 14, 2019 11:36 am
Forum: Investing - Help with Personal Investments
Topic: 2019 Investing
Replies: 3
Views: 434

Re: 2019 Investing

Welcome to the forum :) . Hey all, I'm new to investing. I've tried the boutique investment strategy with a financial adviser only to lose more money with their administrative costs. Yes, I have a little under 50 grand to invest. I am a new Vanguard member and my money is in the general money market...
by ruralavalon
Mon Jan 14, 2019 11:23 am
Forum: Investing - Help with Personal Investments
Topic: One book for my neice, a young mom.
Replies: 20
Views: 1199

Re: One book for my neice, a young mom.

My niece: a/34, married, f/t mother & RN, three children, husband employed 75K w/benefits. Recently purchased their home and now asks for investment advice. I've conveyed the principles of this forum and I would like to provide one simple book. I would appreciate your suggestions of such a book, wr...
by ruralavalon
Mon Jan 14, 2019 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Newbie. Retirement Investing plan below good?
Replies: 2
Views: 235

Re: Newbie. Retirement Investing plan below good?

Welcome to the forum :) . It's good to see that you are debt free, with all student debt paid off, have an emergency fund, and can invest $24k annually toward retirement. Maintaining that high savings rate is the most important thing you can do at this point. folks, I am new to bogleheads & new to i...
by ruralavalon
Mon Jan 14, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 400128

Re: What are you up YTD? [Year To Date]

Age 73, retired, 50/50 asset allocation.

The total return of our portfolio is up 2.46% year to date, per Morningstar Portfolio Manager.

The best fund so far is Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX), it's total return is up 6.75% year to date.
by ruralavalon
Mon Jan 14, 2019 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Short-term bond allocation
Replies: 8
Views: 650

Re: Short-term bond allocation

shavenyak wrote:
Sun Jan 13, 2019 7:07 pm
Thanks to everyone who answered.

Livesoft, thank you for providing the wealth of linked info. What do I think after reading that thread twice? I'll be in no rush to make any changes to my bond allocation.
That is a good "move".
by ruralavalon
Mon Jan 14, 2019 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11301

Re: Biggest Investment Mistake

jb1 wrote:
Sun Jan 13, 2019 10:51 pm
Not starting earlier. Im 28 now, have 25k in roth, 80k in taxable. Wish I started when I was 20.. Instead I bought a used (thankfully) 350z. Had I invested that I couldve gotten a GTR now.
You did start young, a used 350z sounds nice, $105k at age 28 is very good.
by ruralavalon
Sun Jan 13, 2019 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Investment options
Replies: 10
Views: 699

Re: 401k Investment options

Welcome to the forum :) . There are some excellent funds offered in your 401k, and that's a very good employer contribution. You are fortunate. Asset allocation. At age 33/34 a 20% bond allocation is within the range of what is reasonable in my opinion. I suggest around 20-30% of stocks in internati...
by ruralavalon
Sun Jan 13, 2019 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term bond allocation
Replies: 8
Views: 650

Re: Short-term bond allocation

I heard Jane Bryant Quinn (JBQ) recommend that your bond allocation should be divided between high quality short-term and intermediate-term bond funds. Fwiw, all of my bond allocation (the 40% of 60/40) is in BND (Vanguard Total Bond Market ETF/purchased latter half of 2018). I was wondering if I s...
by ruralavalon
Sun Jan 13, 2019 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficient short-term investing
Replies: 3
Views: 491

Re: Tax efficient short-term investing

Welcome to the forum :) . What is your tax bracket, both federal and state? What State do you pay any State income taxes to? What is the intended purpose for the "2-3 years' expenses" in cash? You can simply add this to your original post using the edit button (the pencil icon near the upper right c...