Search found 11878 matches

by ruralavalon
Sun Dec 17, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 51
Views: 2454

Re: 28 Years Old: In the current market, what % into bonds?

At age 28, 26% in bonds is well within the range of what is reasonable in my opinion. Keep making your regular $250 contributions every two weeks. Increase your contributions if that is practical for you. Keep your contribution rate as high as you can comfortably sustain. That's probably the most im...
by ruralavalon
Sun Dec 17, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 21
Views: 1549

Re: Bitcoin futures with Fidelity

Fidelity does not offer futures. You can buy futures at other (but not all) discount brokers. TDA, IB, Schwab, ETrade offer futures. IB does not currently allow shorting bitcoin futures, although you can short other types of futures there. I don't know what other brokers are offering. TDA will allo...
by ruralavalon
Sun Dec 17, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on annuity & other retirement ideas
Replies: 3
Views: 98

Re: Thoughts on annuity & other retirement ideas

In addition to the information and format suggested by LadyGeek you will also need to include information on Social Security benefits. In buying an annuity around the time of retirement consider a simple expensive Single Premium Immediate Annuity (SPIA). To shop rates please see www.immediateannuiti...
by ruralavalon
Sun Dec 17, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 30
Views: 2103

Re: When to move into bonds

Welcome to the forum :) . It looks to me like you are probably be in good shape -- no debt, children through college, and contributing the maximum ($48k/yr total) to your 401ks. Focus less on net worth and more on amount invested. Here is a calculator you can use www.firecalc.com to help asses wheth...
by ruralavalon
Sat Dec 16, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: investing strategy and allocation - advice solicited
Replies: 11
Views: 534

Re: investing strategy and allocation - advice solicited

The I Fund will soon be transitioning to an all world index - it will include emerging markets and Canada and small caps. This was just announced recently. Excellent news :D , where did you see that? Not sure. I might have seen it here. Or on some fed news blog.... Not very helpful, huh? ETA....I t...
by ruralavalon
Sat Dec 16, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: investing strategy and allocation - advice solicited
Replies: 11
Views: 534

Re: investing strategy and allocation - advice solicited

retiredjg wrote:
Sat Dec 16, 2017 1:37 pm
The I Fund will soon be transitioning to an all world index - it will include emerging markets and Canada and small caps. This was just announced recently.
Excellent news :D , where did you see that?
by ruralavalon
Sat Dec 16, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 141
Views: 14299

Re: What to do after losing $117k in stock market?

I'll go against the grain here and recommend that you keep trading...but reduce your active trading amount by 98%. Even those of us that have no issues staying the course occasionally play around with 2% or less of our portfolios; just from reading your posts, you don't sound like the cold turkey t...
by ruralavalon
Sat Dec 16, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: New investor
Replies: 12
Views: 601

Re: New investor

Just curious, since my 401k has a 1% ER, does it ever make sense to contribute more than just up to the employer match? Yes. Very often it's better to contribute more. Contributing enough to get the full employer match is a minimum to contribute, not the maximum. "... unless your 401(k) is very bad...
by ruralavalon
Sat Dec 16, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Recommendations and Adjustments
Replies: 4
Views: 376

Re: Portfolio Recommendations and Adjustments

Welcome to the forum :) . It's good to see that you are debt free, other than the mortgage notes.That was a good choice in reading material. I completely agree that its best to move the Edward Jones IRA to a low cost provider like Vanguard or Fidelity, and avoid that extra 0.23% or 1.35% annual fee....
by ruralavalon
Sat Dec 16, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2612

Re: Is anyone putting money aside into Gold?

I have been taking great interest in gold recently and gold mining companies... Has anyone else considered this? I have never and will not invest in precious metals such as gold. If you want to invest in companies in the mining industry (not just companies that mine gold), then you could consider t...
by ruralavalon
Sat Dec 16, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 141
Views: 14299

Re: What to do after losing $117k in stock market?

4) For future reference, starting 2018 the maximum employee contribution is $18.5k per year.

5) I am glad to see you will completely stay away from gambling and stick with investing.

Have a nice weekend :) .
by ruralavalon
Sat Dec 16, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 190
Views: 17938

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

People understand that Bitcoin has no actual value right? Does government issued IOU pieces of paper? U.S. government issued IOU pieces of paper are reliable means of exchange, which can be used to buy food, clothing, shelter and medical care. Another important thing: Does the U.S. Federal governme...
by ruralavalon
Sat Dec 16, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: investing strategy and allocation - advice solicited
Replies: 11
Views: 534

Re: investing strategy and allocation - advice solicited

Welcome to the forum :) . Hello, I'm looking for input on my investing strategy and asset allocation. Mainly concerned with whether my current allocation is reasonable, if i'm missing anything big with tax diversification, or anything else that is glaring. Major goals include an on-time retirement, ...
by ruralavalon
Sat Dec 16, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: New investor
Replies: 12
Views: 601

Re: New investor

If you want set-it-and-forget-it investing a target date fund or other balanced fund in your 401k is what you should do. After getting the full employer match every year and maxing the HSA, the next priority is probably contributing the $5.5k maximum annually to an IRA, either Roth or traditional. ...
by ruralavalon
Fri Dec 15, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: New investor
Replies: 12
Views: 601

Re: New investor

Are you able to increase your 401k contributions? How are the fees there? Do you have an IRA? What is your desired asset allocation? Thanks for the replies all! I’ll try to respond one at a time... I contribute up to my company match at 6%... the fees are not great at 1%... Well my current asset al...
by ruralavalon
Fri Dec 15, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Assest allocation - inputs please
Replies: 11
Views: 625

Re: Assest allocation - inputs please

Am I complicating my fund allocation? Is it OK to have FTIPX alone in Roth? Is it OK to have my future contributions going to VTHRX or I do as did with my rollover? If you want simplicity and hands-off investing then target date funds in both accounts would work well. If you have a portfolio that u...
by ruralavalon
Fri Dec 15, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Target date fund or custom allocation?
Replies: 5
Views: 461

Re: Target date fund or custom allocation?

Welcome to the forum :) . Hoping to get some help with my employer’s 401k fund options. I’m currently 100% invested in the Vanguard Target Retirement 2045 fund which has a gross expense ratio of 0.16%. This fund is comprised of four Vanguard funds: Total Stock Market Index, Total International Stock...
by ruralavalon
Fri Dec 15, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: New investor
Replies: 12
Views: 601

Re: New investor

Welcome to the forum :) . It's always good to see someone starting young. Hi everyone- I have been following these forums for a while and this is my first post. I have been investing for about 2 years. Looking for just some general guidance and whether I’m headed in the right direction. I’m 29 and i...
by ruralavalon
Fri Dec 15, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Creating Portfolio with Company Offering for 401k.
Replies: 10
Views: 571

Re: Help with Creating Portfolio with Company Offering for 401k.

Hello, I currently have 95% of my 401k contributions going into my employer's stock. My eyes started getting open and wanted to diversify my portfolio. I desire a 80% stock, 20% bond allocation. A few months back, I decided to have 100% of my future contributions going to State Street S&P 500 index...
by ruralavalon
Fri Dec 15, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Assest allocation - inputs please
Replies: 11
Views: 625

Re: Assest allocation - inputs please

Thanks mhc, Engcap1 and ruralavalon. Ruralavalon, the calculation includes the following to arrive 70% stock. Previous rollover money: Van Ext Mkt Idx Adm (VEXAX with ER of 0.08%) - 13K Van Inst Index (VINIX with ER of 0.035%) - 33K Roth funds (25K): Fidelity Total Intl Index (FTIPX with ER of 0.1%...
by ruralavalon
Fri Dec 15, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with T. Rowe Price funds
Replies: 16
Views: 1101

Re: What to do with T. Rowe Price funds

I opened an account at TRP in the mid-1990s before I knew anything about expense ratios or index funds. Approximately half of the money is in a taxable account, half in retirement. In the taxable account, I hold several different mutual funds that have appreciated substantially, but also have high ...
by ruralavalon
Fri Dec 15, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Beginner
Replies: 12
Views: 1271

Re: Boglehead Beginner

I am sorry that you had a frustrating phone conversation with Vanguard. What was the issue? Dividends are paid out of the fund assets, the NAV (net asset value) drops when dividends are paid by the amount of dividends paid. You don't lose it. I don't know much about E*Trade, so can't help you about...
by ruralavalon
Fri Dec 15, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Starting my investing journey - your advice
Replies: 13
Views: 859

Re: Starting my investing journey - your advice

Welcome to the forum :) . Hi Bogleheads! I am new to investing and would like to get your advice before I take my first step in investing. I am 26 years old, and was gifted a few hundred thousand dollars in cash a few years ago. After reading various books about indexing and the boglehead strategy i...
by ruralavalon
Fri Dec 15, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Assest allocation - inputs please
Replies: 11
Views: 625

Re: Assest allocation - inputs please

You do not have the 70/30 asset allocation you want. Please see the edit I made iin blue in my previous reply.

Is there a decent international stock fund offered in your 401k? If so then it might be good to consider adding that in the future to make rebalancing easier.
by ruralavalon
Fri Dec 15, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Assest allocation - inputs please
Replies: 11
Views: 625

Re: Assest allocation - inputs please

Hi all: I have about 143K in retirement account. I have placed the funds as follows, targeting about 70% stocks and 30% bonds in general. 401K funds (117K): Previous rollover money: Van Ext Mkt Idx Adm (VEXAX with ER of 0.08%) - 13K Van Inst Index (VINIX with ER of 0.035%) - 33K Van Tot Bd Mkt Adm ...
by ruralavalon
Fri Dec 15, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 141
Views: 14299

Re: What to do after losing $117k in stock market?

My wife and I paid off student loans, bought a house (240k left on mortgage @3% APR), maxed retirement accounts and opened a taxable account this year. The retirement accounts are all target date funds or three-fund portfolios. However, for the taxable account we started to buy individual stocks. I...
by ruralavalon
Thu Dec 14, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 22
Views: 1401

Re: Young Investor: When to diversify

I switched over from EJ earlier this year and switched all of my money into the Vanguard Total Stock Market Index Fund (VTSAX). I have a little above $13,000 invested and I am 23 years old. I was wondering should I just keep growing that fund until it is larger and diversify then or should I buy $3...
by ruralavalon
Thu Dec 14, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer 401k & General Advice
Replies: 7
Views: 628

Re: New Employer 401k & General Advice

Funds to consider in your 401k. In my opinion the better funds to use in your 401k include: 1) Principal Large Cap S&P 500 Index Fund Institutional (PLFIX) ER 0.16%; 2) Dodge & Cox International Stock (DODFX) ER 0.64%; and 3) Dreyfus Bond Market Index Fund Institutional (DBIRX) ER 0.16%. Responses ...
by ruralavalon
Thu Dec 14, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio Review
Replies: 5
Views: 588

Re: My First Portfolio Review

The first test could be frightening if you are 100% stocks, less so with a 20% bond allocation.
by ruralavalon
Thu Dec 14, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 22
Views: 1401

Re: Young Investor: When to diversify

Mr400meterdash wrote:
Thu Dec 14, 2017 12:01 pm
And I would like to stay 100% stocks at the moment but I am doing a bit more research into it as many of the others say target retirement.
For better diversification consider Vanguard LifeStrategy Growth Fund (VASGX) ER 0.14% or a target retirement fund.
by ruralavalon
Thu Dec 14, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: 40,000 to safely invest
Replies: 15
Views: 790

Re: 40,000 to safely invest

Welcome to the forum :) . Congratulations on the soon-to-be second child, and on the soon-to-be ending of his residency. Just received 40,000 to invest. Have no loans other than a mortgage. Where do I place the money to safely invest? Not sure where to allocate it other than in a Allys CDs..Could pu...
by ruralavalon
Thu Dec 14, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor: When to diversify
Replies: 22
Views: 1401

Re: Young Investor: When to diversify

Welcome to the forum :) . Congratulations on your upcoming marriage. It's great to see that you are debt free, starting young at investing, have escaped Edward Jones, and are using a low expense ratio index fund. Hello all, first post here. I switched over from EJ earlier this year and switched all ...
by ruralavalon
Thu Dec 14, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 28
Views: 2474

Re: Ameriprise :(

My wife inherited a small taxable Ameriprise account. It took some convincing of her to close it out. I finally convinced her that if we did it then the last 5k of student loans would be gone. Small victory. To OP - i echo the sentiment to transfer all the accounts to a fidelity or vanguard. Set up...
by ruralavalon
Thu Dec 14, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 190
Views: 17938

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

U.S. government issued IOU pieces of paper I must object: Federal Reserve notes are not IOU's. At least they haven't been since 1964 I was using CnC's terminology, not endorsing it, to demonstrate that you can buy necessities of life with government issued currency. Perhaps I should have put "gover...
by ruralavalon
Thu Dec 14, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 678

Re: Help w/ portfolio & w/ approximating stock market

Thanks ruralavalon for taking the time to write such a thorough response. I read all the links that you recommended. ------------------------------------------------------------------- Some questions regarding small caps: 1) I thought the NYSDCB Russell 2500 Index Unitized Account was only small ca...
by ruralavalon
Wed Dec 13, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio Review
Replies: 5
Views: 588

Re: My First Portfolio Review

It's always great to see someone starting young, debt free and primarily using very diversified, low expense ratio index funds. Asset allocation. Age: 26 Desired Asset Allocation: 95% stock/5% bond Desired International Allocation: ~30% of the stock portfolio] At age 26 I suggest about 20 - 25% in b...
by ruralavalon
Wed Dec 13, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: My First Portfolio Review
Replies: 5
Views: 588

Re: My First Portfolio Review

Welcome to the forum :) . Questions: My thought process so far has been: 401k options not great, picked the two low cost index funds and a large cap growth fund. Get to AA with the Roth and the taxable. 2018 will be the first year I have a lot of money freed up that I will need to think past the 401...
by ruralavalon
Wed Dec 13, 2017 7:25 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 190
Views: 17938

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

new2bogle2 wrote:
Wed Dec 13, 2017 5:19 pm
CnC wrote:
Wed Dec 13, 2017 2:01 pm
People understand that Bitcoin has no actual value right?
Does government issued IOU pieces of paper?
U.S. government issued IOU pieces of paper are reliable means of exchange, which can be used to buy food, clothing, shelter and medical care.
by ruralavalon
Wed Dec 13, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 678

Re: Help w/ portfolio & w/ approximating stock market

The problem. I have VINIX in my wife’s 403B, but not in my 457b. I have the Equity Index Unitized Account, which is a S&P 500 index. Are you saying that I should sell the small cap in my 457B [Yes] and my portfolio would look like: Your issue was complicated asset allocation and rebalancing, arisin...
by ruralavalon
Wed Dec 13, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 141
Views: 14299

Re: What to do after losing $117k in stock market?

There are not enough words to express my gratitude for all the wonderful and informative responses I have received. I do have some gambling and risk-taking tendencies which caused me dearly. I will try my best to never repeat this mistake. I'm relatively young and have over 30 years left in my care...
by ruralavalon
Wed Dec 13, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Beginner
Replies: 12
Views: 1271

Re: Boglehead Beginner

Despite your good advice, I had a very frustrating and disappointing call with Vanguard today so went back to researching options for a ROTH Solo 401k. E-trade looks the most flexible and offers no-load/NTF mutual funds, EFTs and bonds. They provide cash credits for new accounts (probably $200 plus...
by ruralavalon
Tue Dec 12, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 141
Views: 14299

Re: What to do after losing $117k in stock market?

It is very difficult to resist the temptation to get back in the market. After losing $117k, it is very hard to walk away and accept the mistake even though it is for the best. I was very hard-headed thinking I can outsmart other invetors and the whole market. In the end it was as a wasted of time ...
by ruralavalon
Tue Dec 12, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k to Vanguard IRA
Replies: 7
Views: 428

Re: Rolling over 401k to Vanguard IRA

I am rolling over my 401k into a Vanguard IRA and am looking for a suggest investment portfolio. I will not be actively contributing as I have a new 401k (not with vanguard) that I will be contributing to in order to get their match. I was thinking something along the lines of 50% Total US Market I...
by ruralavalon
Tue Dec 12, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocations
Replies: 13
Views: 764

Re: 401k Asset Allocations

ACJC wrote:
Tue Dec 12, 2017 12:48 pm
Thank you. I’m am trying to increase my risk by adjusting my 401k.
Why do you want to increase your risk?
by ruralavalon
Tue Dec 12, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: how to glean ETF information
Replies: 4
Views: 266

Re: how to glean ETF information

Welcome to the forum :) . Hello everyone; I'm new here. I'm interested in buying into VTI and likely another fund or two but... but I can't make any sense out of the data I see when I look at the Morningstar (or any other) page; and of course there are no offices or face to face to ask questions thr...
by ruralavalon
Tue Dec 12, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 141
Views: 14299

Re: What to do after losing $117k in stock market?

I am not sure why so many folks are telling the OP to just stop speculating. It isn't like the human mind goes, "Oh okay x number of people told me to do y so now I will do y". That is the problem with behavioral finance and this thread is a perfect microcosm of it. Just because you tell the person...
by ruralavalon
Tue Dec 12, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Beginner
Replies: 12
Views: 1271

Re: Boglehead Beginner

Welcome to the forum :) . After lurking here on and off for a few months, I started reading, became a Boglehead convert and decided I would handle my own investments. But I’ve been stuck ever since! I’d be grateful for help getting through this analysis paralysis and on to reconfiguring my accounts ...
by ruralavalon
Tue Dec 12, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ portfolio & w/ approximating stock market
Replies: 8
Views: 678

Re: Help w/ portfolio & w/ approximating stock market

I suggest simply using Vanguard Total Stock Market Index Fund (VTSAX) in your Roth IRA, and Vanguard Institutional Index Fund (a S&P 500 index fund) (VINIX) in your 403b and 457. The S&P 500 Fund covers 81% of the domestic stock market, and in the 25 years since the creation of the first total stock...
by ruralavalon
Tue Dec 12, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 141
Views: 14299

Re: What to do after losing $117k in stock market?

Thank You. I will admit the thrill is sometimes addictive. I hate myself for losing so much money and trying my best to not repeat this mistake again. I already have 401k matching for employer but I guess the greed in me is always wanting more money which leads to high risk investment. What funds a...