Search found 13708 matches

by ruralavalon
Sat Sep 22, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 39
Views: 2704

Re: Small cap tilt

Here is what I see comparing past total return of small-cap and S&P 500 funds. Can anyone suggest other funds to use for a comparison? I made a custom benchmark in PortfolioVisualizer that contains every small cap fund I could find with an inception date before 12/31/1991 and an expense ratio of 1....
by ruralavalon
Sat Sep 22, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 39
Views: 2704

Re: Small cap tilt

Here is what I see comparing past total return of small-cap and S&P 500 funds. Historically the small-cap fund has had similar long-term total return to the S&P 500 fund. Over the 42 years since the creation of the first index fund (a S&P 500 fund) the total return of the S&P 500 index and small-cap...
by ruralavalon
Sat Sep 22, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 864

Re: The bond side of my asset allocation ...

The SEC Yield is a calculation using a formula mandated by the SEC as a way of stating and predicting future yield. As such it is an opinion about future yield, not a guarantee. I can understand that … so IF the prediction is accurate and the yield does actually turn out to be 3.20% would I have ma...
by ruralavalon
Sat Sep 22, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 864

Re: The bond side of my asset allocation ...

On Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX) the current SEC Yield is 3.40%. On Vanguard Total Bond Market Index Fund Admiral Shares(VBTLX) the current SEC Yield = 3.20%. This likely makes a lot of people laugh but I have never been above asking the obvious question! When yo...
by ruralavalon
Sat Sep 22, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 864

Re: The bond side of my asset allocation ...

I do agree that it's a bit scary to watch the value of my bond allocation drop. But the drop may already have occurred or mostly occurred, so it may be a bad time to sell shares of my intermediate-term bond fund. I'm not thinking if I was invested I would change things right now. I was more thinkin...
by ruralavalon
Sat Sep 22, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 864

Re: The bond side of my asset allocation ...

The theory is that the generally expected interest rate hikes are already priced into the bond or bond fund price. But regardless whether or not that theory is correct, bond funds NAV is continuing to drop. The OP has a valid concern. What am I missing? If expected rate hikes are already priced in,...
by ruralavalon
Sat Sep 22, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: Zero-ER Fidelity Funds [Closed to new investors?]
Replies: 27
Views: 1582

Re: Zero-ER Fidelity Funds

I keep trying to buy FZILX and the Fido site says both it and FZROX are closed to new investors. Does anyone know anything about this? According to the prospectus shares are only available to individual retail investors and only in certain Fidelity accounts. "Shares of the fund are only available t...
by ruralavalon
Sat Sep 22, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 864

Re: The bond side of my asset allocation ...

CDs and money market funds can be used in lieu of bond funds to reduce portfolio volatility, but do have their own risks. A good money market fund, like Vanguard Prime Money Market Fund (VMMXX) current SEC Yield = 2.11%, is in the genreral range of expected inflation. Therefore a good money market f...
by ruralavalon
Sat Sep 22, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 864

Re: The bond side of my asset allocation ...

In the three option strategy for a 50/50 asset allocation I would buy a total bond fund. It seems generally accepted that as interest rates rise bond funds go down. It appears that interest rates are going to rise for the near term. Bond funds are doing poorly now. So as I rebalance my 401K I will ...
by ruralavalon
Fri Sep 21, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund selection
Replies: 6
Views: 340

Re: Help with 401K fund selection

Hi Ruralavalon - thanks much for the detailed reply. I have added ticker symbols for the funds in his 401k; fact sheet for BNY Mellon fund; tickers and ERs for funds in taxable 401k account. I still have to add funds in her 401k - but it's basically a mix of large cap, mid cap, small cap index fund...
by ruralavalon
Fri Sep 21, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: figuring out my 401k investments
Replies: 5
Views: 436

Re: figuring out my 401k investments

What is your desired asset allocation? What other long-term/retirement investing accounts do you have? Please see use the suggested format as linked by PFInterest . You can simply add to your original post using the edit button (the pencil icon near the upper right corner of your post), it helps a l...
by ruralavalon
Fri Sep 21, 2018 11:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 54225

Re: Post your Financial Milestone Announcements Here

We crossed into the two-comma club for the first time with just our invested assets, not counting our home equity in two properties. I feel nothing special, just a bit of relief that it happened eventually. We are at our baseline FI. Looking forward to our full FI. Congratulations joining the 2 com...
by ruralavalon
Fri Sep 21, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70057

Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)

More fun on my little experiment, having split my equity position between fstvx and fzrox evenly. Today's difference on $332k'ish in each account......$1.88 Remember this is bogleheads where the smallest difference in cost or performance can be analyzed to death. So the real question is which one o...
by ruralavalon
Fri Sep 21, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25733

Re: U.S. stocks continue to soar!

Total return of Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) is up 11.31% year to date. This is the year to wish I had a 100% stock allocation, with no international. Agree. But next year we’ll have threads about 100% international when it outperforms. Remember that we’re investing...
by ruralavalon
Fri Sep 21, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Let's rebalance my young 401k
Replies: 5
Views: 607

Re: Let's rebalance my young 401k

You have some excellent funds offered in your 401k, you are fortunate. It's good to see that you plan to increase your 401k contributions to the annual maximum allowed next year. When young and just starting a high contribution rate is more important than the fine details of either asset allocation ...
by ruralavalon
Fri Sep 21, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6845
Views: 1496044

Re: U.S. stocks in freefall

Total return of Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) is up 11.31% year to date.

Nice freefall :wink:
by ruralavalon
Fri Sep 21, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25733

Re: U.S. stocks continue to soar!

Total return of Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) is up 11.31% year to date.

This is the year to wish I had a 100% stock allocation, with no international.
by ruralavalon
Thu Sep 20, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie with no idea where to invest
Replies: 18
Views: 1012

Re: Newbie with no idea where to invest

Thank you Jordan. I thought I was doing okay but when I started listening to Dave Ramsey and how you can make an average of 12%/yr and I realized I had a ton of cash just sitting in a bank and did not even know the logins to my IRA or 401k accounts that my dad insisted I contribute to when I starte...
by ruralavalon
Thu Sep 20, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie with no idea where to invest
Replies: 18
Views: 1012

Re: Newbie with no idea where to invest

Welcome to the forum :) . Some additional information will be useful. Please see this for format: "Asking Portfolio Questions" . You can simply add this 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 i...
by ruralavalon
Thu Sep 20, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25733

Re: U.S. stocks continue to soar!

The S&P 500 index is up 0.84% so far today :!: :!: :!:
by ruralavalon
Thu Sep 20, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: [Non-US] Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)
Replies: 17
Views: 756

Re: Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)

For ex-U.S. stock investing the better one fund comprehensive choice is Vanguard Total International Stock ETF (VXUS) ER 0.11%, which includes stocks of both larger and smaller companies, in both developed and emerging markets at market weight. Another ex-U.S. one fund comprehensive possibility is ...
by ruralavalon
Thu Sep 20, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: [Non-US] Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)
Replies: 17
Views: 756

Re: Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)

For ex-U.S. stock investing the better one fund comprehensive choice is Vanguard Total International Stock ETF (VXUS) ER 0.11%, which includes stocks of both larger and smaller companies, in both developed and emerging markets at market weight. Another ex-U.S. one fund comprehensive possibility is ...
by ruralavalon
Thu Sep 20, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: [Non-US] Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)
Replies: 17
Views: 756

Re: Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)

What fund firm or brokerage is this account with, Vanguard, Fidelity, Schwab, etc. ? It's important not to incur transaction expenses, so account location and which ETFs are available without comissions helps determine which ETFs are best to use. You could consider: Vanguard Total International Sto...
by ruralavalon
Thu Sep 20, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: [Non-US] Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)
Replies: 17
Views: 756

Re: Advice on replacing Vanguard FTSE All-World with iShares (MSCI World + MSCI EM IMI)

What fund firm or brokerage is this account with, Vanguard, Fidelity, Schwab, etc. ? It's important not to incur transaction expenses, so account location and which ETFs are available without comissions helps determine which ETFs are best to use. You could consider: Vanguard Total International Stoc...
by ruralavalon
Thu Sep 20, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation calculator
Replies: 47
Views: 2907

Re: Asset allocation calculator

No, it's not really a math problem. I'm an engineer---everything is a math problem! :D I understand, I have the same ailment :wink: But the emotional world does not operate in accord with Newtonian Physics. And the biggest threat to your portfolio is the person in the mirror. May I recommend some r...
by ruralavalon
Thu Sep 20, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: So new to all this it hurts!
Replies: 27
Views: 3312

Re: Here is my list of inventment options in my 401(k) ...

I want to say upfront I am thankful for all the input so far and going forward … it is very generous of you all to share your time and knowledge!!! I was surprised my list of options was so small … there is a Fidelity thing called BrokerageLink that appears would give me many more choices but there...
by ruralavalon
Thu Sep 20, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 140
Views: 17860

Re: Vanguard - You'll need to sign up for security codes soon

^^^ Check the paperwork, as I'm very sure you'll find a signed form that says "I assign authority to (husband) to act on my behalf". That's a limited POA for the closing. (I'm not a lawyer, but this is done all the time.) Or, perhaps a copy of the Durable POA was used for the closing. You should ha...
by ruralavalon
Wed Sep 19, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 995182

Re: What Book Are You Currently Reading? Part VI

bertilak wrote:
Wed Sep 19, 2018 3:49 pm
ruralavalon wrote:
Wed Sep 19, 2018 3:44 pm
Wild Fire, by Ann Cleeves.

This is the eight and last :( book of the Shetland series of mysteries.
How does the TV series (https://www.imdb.com/title/tt2396135/) compare to the books?
We loved the first two seasons, they compare well to the books.
by ruralavalon
Wed Sep 19, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 995182

Re: What Book Are You Currently Reading? Part VI

Wild Fire, by Ann Cleeves.

This is the eight and last :( book of the Shetland series of mysteries.

A young woman, who works as a child minder for the local physician, is found murdered hanging in a neighbor's barn.
by ruralavalon
Wed Sep 19, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation calculator
Replies: 47
Views: 2907

Re: Asset allocation calculator

I agree. Don't start by selecting a rate of return, that's going at the problem backwards. Determine an asset allocation which is comfortable for you based on a realistic assessment your own ability, willingness, and need to take risk.. How do you estimate your need to take risk, if you donn’t have...
by ruralavalon
Wed Sep 19, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund selection
Replies: 6
Views: 340

Re: Help with 401K fund selection

It's great to see that you are debt free. What are the ticker symbols for the funds offered in his 401k? There is probably no ticker for the BNY Mellon S&P 500 index fund, it's probably a Commingled Investment Trust (CIT) or Separate Account rather than a traditional mutual fund. If that's the case ...
by ruralavalon
Wed Sep 19, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation calculator
Replies: 47
Views: 2907

Re: Asset allocation calculator

That’s not how it works. You don’t reverse engineer your asset allocation to shoot for a goal amount since you can’t predict returns. (This exemplifies how models like Firecalc are illusions.) You set an allocation for equities between 25% and 75% based on you tolerance for risk, or, better yet, ju...
by ruralavalon
Wed Sep 19, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52427

Re: That Extravagant Thing You Do

MY old car has died. I bought a nice used Cadillac CTS .

We dine out frequently.
by ruralavalon
Tue Sep 18, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 140
Views: 17860

Re: Vanguard - You'll need to sign up for security codes soon

— Cell phone not with you? That’s a convenience problem, not a security problem. What about old people who don't have a cellphone. Then its more than mere inconvenience. If you have a Vanguard account and a computer, maybe it is time to consider a cell phone. This is the 21st century, after all. I ...
by ruralavalon
Tue Sep 18, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 140
Views: 17860

Re: Vanguard - You'll need to sign up for security codes soon

I too would prefer emails. My DH just got the email. The sign-up deadline is September 26. As noted earlier, there is no option for email. You gotta be kidding. :annoyed My contact phone number does not have text messaging (old landline) and I may not be near the phone when logging in. No, I'm not g...
by ruralavalon
Tue Sep 18, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 140
Views: 17860

Re: Vanguard - You'll need to sign up for security codes soon

3-20Characters wrote:
Tue Sep 18, 2018 6:17 pm
— Cell phone not with you? That’s a convenience problem, not a security problem.
What about old people who don't have a cellphone. Then its more than mere inconvenience.
by ruralavalon
Tue Sep 18, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 409

Re: Thoughts on Portfolio/certain fund

This is not what I own as I am 23 years old and don't have enough money to split into funds so I am 100% VTSAX right now and yes I know that is riskier but I have a small portfolio and a 50% downturn would not make a huge difference to me. (small 5 figures in value). I cannot tell you my expected r...
by ruralavalon
Tue Sep 18, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Complete Beginner to investing, 24 years old
Replies: 24
Views: 3057

Re: Complete Beginner to investing, 24 years old

Hi all, It's been a little while since I last posted on how to begin investing from scratch. Since last December, I had a few issues transferring my current investments into my Schwab account (they were funds held in my mother's name, and were started when I was a child) so I unfortunately missed t...
by ruralavalon
Tue Sep 18, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Selection Help
Replies: 7
Views: 402

Re: Fund Selection Help

Thanks a lot ruralavalon. Is the below allocation appropriate for me? I am planning to take an early retirement at 55 in 6 years. Fidelity Total Stock Market Index Fund - 40% Fidelity Total International Stock Index Fund - 20% Fidelity U.S. Bond Index Fund - 40% Sam :happy It's hard to say in the a...
by ruralavalon
Tue Sep 18, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 824
Views: 89491

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

We recently watched all episodes of Death in Paradise on Netflix once again. These are police stories set in the Caribbean. We thoroughly enjoyed this series. We had forgotten the plots in most cases so they were still mysteries.
by ruralavalon
Tue Sep 18, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25733

Re: U.S. stocks continue to soar!

willthrill81 wrote:
Tue Sep 18, 2018 11:27 am
After yesterday's 'buying opportunity', stocks are right back up.
The S&P 500 index is up 0.61% so far today :D .
by ruralavalon
Tue Sep 18, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 409

Re: Thoughts on Portfolio/certain fund

Hello all, What is everyone's thoughts on the fund VWENX (Vanguard Wellington Fund Admiral Shares)? I like playing around with things and doing research and I have come across a portfolio that is 70/30 that I seem to keep coming back to and enjoy It is composed of: VTSAX (Vanguard Total Stock Marke...
by ruralavalon
Tue Sep 18, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 409

Re: Thoughts on Portfolio/certain fund

Vanguard Wellington Fund Admiral Shares (VWNEX) ER 0.17% is an excellent actively managed, well diversified, balanced fund, which is suitable as a one-fund portfolio all by itself. It does make a big difference what type of account you are using and what your tax bracket is. At age 23, with low 5 fi...
by ruralavalon
Tue Sep 18, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 409

Re: Thoughts on Portfolio/certain fund

Hello all, What is everyone's thoughts on the fund VWENX (Vanguard Wellington Fund Admiral Shares)? I like playing around with things and doing research and I have come across a portfolio that is 70/30 that I seem to keep coming back to and enjoy It is composed of: VTSAX (Vanguard Total Stock Marke...
by ruralavalon
Tue Sep 18, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Fund Selection Help
Replies: 7
Views: 402

Re: Fund Selection Help

Yes, try a Fidelity Freedom Index Fund through the BrokerageLink. Of you could use three fund portfolio through the BrokerageLink using: Fidelity Total Stock Market Index Fund; Fidelity Total International Stock Index Fund; and Fidelity U.S. Bond Index Fund. I would not pay the extra $75 per transac...
by ruralavalon
Tue Sep 18, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio/certain fund
Replies: 15
Views: 409

Re: Thoughts on Portfolio/certain fund

Hello all, What is everyone's thoughts on the fund VWENX (Vanguard Wellington Fund Admiral Shares)? I like playing around with things and doing research and I have come across a portfolio that is 70/30 that I seem to keep coming back to and enjoy It is composed of: VTSAX (Vanguard Total Stock Marke...
by ruralavalon
Tue Sep 18, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2633

Re: Facing Retirement at year end

Welcome to the forum :) . The most important first step is to get a solid number for your total annual retirement spending. Does your "$50k household budget" include your mortgage payments and payments on the HELOC, or not? If not, then how much is the total including those debt payments? Shop for t...
by ruralavalon
Mon Sep 17, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5370

Re: Employer won't Match 401k. Why?

As a former small business owner that was involved in recruiting I can tell you that we did no get much bang for our buck for our generous 401k match. The large majority of candidates compared us to our competition on starting salary. That was what they chose to care about. So we went the safe harb...
by ruralavalon
Sun Sep 16, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) asset allocation?
Replies: 9
Views: 450

Re: New 401(k) asset allocation?

Not using the standard format ( "Asking Portfolio Questions" ), and not putting all of your information in one place made it harder than necessary to answer your question. Hi all, This is something of a follow-up to my previous thread about a 401(k) rollover strategy given my recent new job. The new...
by ruralavalon
Sun Sep 16, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k) asset allocation?
Replies: 9
Views: 450

Re: New 401(k) asset allocation?

How much is in the taxable account?

How much is in the Roth IRA?