Search found 11632 matches

by ruralavalon
Fri Nov 17, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

I would not be concerned about the less frequent and lower reporting requirements for trusts. You will probably get a quarterly report on each trust. You had not previously indicated that the Vanguard Institutional Total Bond Market Index Trust was available. I would prefer to include that as one of...
by ruralavalon
Fri Nov 17, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

. . . . . Hello Ruralavalon: I'd like to execute the example portfolio you shared: Joint Taxable account @ Vanguard (33% of total; $100k; adds $????/yr) 23%, Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% 10%, Vanguard Total International Stock Index Fund Admiral Shares (VTI...
by ruralavalon
Fri Nov 17, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments
Replies: 4
Views: 333

Re: Help Moving IRAs, Starting Anew, Balancing Debt, Saving and Investments

I agree with Duckie , put the extra cash toward paying off the debt, don't try to do a backdoor Roth IRA, and once the accounts are at Vanguard consider either a three-fund type portfolio or use a balanced fund like a LifeStrategy fund. At age 35 I suggest about 20-25% in bonds. I suggest in the ran...
by ruralavalon
Fri Nov 17, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

. . . . . Hello Ruralavalon: I'd like to execute the example portfolio you shared: Joint Taxable account @ Vanguard (33% of total; $100k; adds $????/yr) 23%, Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% 10%, Vanguard Total International Stock Index Fund Admiral Shares (VTI...
by ruralavalon
Fri Nov 17, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1099192

Re: U.S. stocks in freefall

On a 50/50 asset allocation our total return year to date is up 9.44%, about three times our rate of withdrawal :) .

I sure hope that the "freefall" continues at this rate.
by ruralavalon
Fri Nov 17, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Tax Efficiency
Replies: 7
Views: 549

VXUS. Re: Portfolio Opinions and Tax Efficiency

Asset alloocation. I try to abide by the following percentages (which I change a little now and then) simply by investing new amounts into areas that are low. 45% - Total Stock Market (VTSAX, TSP C fund) 22.5% - International (VTIAX, VTRIX, TSP I fund) 10% - Small Cap Value (VSIAX, TSP S fund) 10% ...
by ruralavalon
Thu Nov 16, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 512

Re: Critique my beginner IRA portfolio

Asset allocation. Just opened an iRA this year. 29yo, married filing jointly, 155k household income, only husband has 401k, no major debt, ~30k in savings, no other investments but planning to invest outside of IRA as soon as I sort out our IRAs. Sizes of our IRA & 401k are very small since we only...
by ruralavalon
Thu Nov 16, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab charging $76 for VG funds
Replies: 31
Views: 3586

Re: Schwab charging $76 for VG funds

I have a very BH portfolio, but have been at Schwab since my start...I use VG funds for all but total stock market (with a few other minor exceptions). The issue is that every time I rebalance - once a year or with a major windfall -- Schwab charges me $76 every time I buy a VG fund. When you do th...
by ruralavalon
Thu Nov 16, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 512

Re: Critique my beginner IRA portfolio

In the IRAs Fidelity Treasury Bond Index Fund (FIBIX) is a good choice. You both could instead consider Fidelity U.S. Bond Index Fund (FSITX) which is more diversified including corporate bonds. . . . . . It's often better to treat all accounts together as a single unified portfolio, instead of tryi...
by ruralavalon
Thu Nov 16, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my beginner IRA portfolio
Replies: 8
Views: 512

Re: Critique my beginner IRA portfolio

Just opened an iRA this year. 29yo, married filing jointly, 155k household income, only husband has 401k, no major debt, ~30k in savings, no other investments but planning to invest outside of IRA as soon as I sort out our IRAs. We have Fidelity for everything. Husband's 401k is put into TRRNX, rec...
by ruralavalon
Thu Nov 16, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1068

Re: Managing 401k after Job Change

Remember that rolling the old 401k over also gets you a more less expensive international stock funds in the current 401k. On the international stock index funds, it's 0.571% vs 0.08%, a difference of 0.491% in expense ratios, better in the current 401k. On the international value stock funds it's ...
by ruralavalon
Thu Nov 16, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

If we don't invest any portion of the 100K cash and instead use it to pay down our principal on the mortgage, then could we continue just having the Vanguard Wellington Fund Admir Shares (VWENX) as our only fund in each of our tax advantaged accounts (both Roths and 1 401K)? Yes. Vanguard Wellingto...
by ruralavalon
Thu Nov 16, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Mother in retirement: Withdraw annually or monthly?
Replies: 19
Views: 1879

Re: Mother in retirement: Withdraw annually or monthly?

My mother-in-law is retired. Her only retirement account is a rolled over IRA with a simple 60/40 allocation. . . . . . . . . . . . You didn't say how old she is or how savvy, you may want to go for once/year for simplicity. I know my wife would want that. She’s 70 and Fidelity offers automatic wit...
by ruralavalon
Thu Nov 16, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1068

Re: Managing 401k after Job Change

Thanks -- there's a lot of useful info here. In the interest of simplifying, I'm considering not retaining the tilt and using the IRA to hold Extended Market rather than SCV, If you go with an extended market index fund the IRA, then you can reduce or skip the small-cap index fund in the 401k. but ...
by ruralavalon
Thu Nov 16, 2017 5:08 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2646
Views: 848137

Re: What Book Are You Currently Reading? Part VI

How the Scots Invented the Modern World , by Arthur Herman. This is an interesting history of the Scottish Enlightenment of the 18th and early 19th centuries, with worldwide impact in literature (Burns, Scott), science (Kelvin, Maxwell), economics (Adam Smith), engineering (Watt), transportation (M...
by ruralavalon
Wed Nov 15, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Initial Portfolio Review- need help with AA, funds, etc. Want the boglehead way
Replies: 49
Views: 3537

Re: Initial Portfolio Review- need help with AA, funds, etc. Want the boglehead way

Doing some more reading and perhaps 80/20 is indeed the way to go as it provides an acceptable balance of risk vs return This is what I’m thinking : 20% bonds, 15% domestic SCV, 25% domestic market, 15% EM, 25% Intl Thoughts? 1) In my opinion in your 30s 20% in bonds is within the range of what is ...
by ruralavalon
Wed Nov 15, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

The account sizes are that way because those are the dollar amounts you have in the existing Roth IRAs and 401k accounts, and the amount you have to start a joint taxable account. Are there any other retirement/long-term investing accounts that you have? The asset classes are 35% bonds, 20% internat...
by ruralavalon
Wed Nov 15, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1068

Re: Managing 401k after Job Change

Asset allocation. Ages: 36 & 34 Desired Asset allocation: 50% stocks / 50% bonds Desired International allocation: 40% of stocks At ages 34 and 36 I suggest about 20 - 25% in bonds. This is expected to substantially reduce volatility (risk), with only a relatively slight decrease in return. Graph, ...
by ruralavalon
Wed Nov 15, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1099192

Re: U.S. stocks in freefall

It feels like a consolidation. A few folks taking profits, a few sharp drops, and more likely than not this just trails out over a few weeks before everyone settles down from the November jitters. Then you get the Christmas boost and we hit 2595 on the S&P and I will have I used all my luck for the...
by ruralavalon
Wed Nov 15, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

Asset allocation. Advised allocation by Vanguard : 90% equity funds/ 10% bond funds Current allocation (since everything is in Vanguard Wellington Adm Shares): 65/35 At ages 39 and 43 I suggest around 25-30% in bonds. This is expected to substantially reduce volatility (risk), with only a relativel...
by ruralavalon
Wed Nov 15, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1068

Re: Managing 401k after Job Change

1. Your stock to bond allocation is extremely low for someone of your age. A more normal allocation would be something like 80% stocks, maybe 70% at a push. Over the long timeframe you have before retirement, a 50% stock portfolio is almost certain to underperform a portfolio with a higher percenta...
by ruralavalon
Wed Nov 15, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Managing 401k after Job Change
Replies: 16
Views: 1068

Re: Managing 401k after Job Change

In my opinion your 50% bond allocation is very high for your ages (34 and 36). . . . . Some additional information would be helpful. What returns have been paid in the Fidelity Stable Value Fund? Is there a guaranteed rate of return? Will your current 401k plan accept a rollover from your old 401k? ...
by ruralavalon
Wed Nov 15, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2132

Re: Do you subscribe to taking risk only on the equity side

I am curious, as Larry Swedroe and others have said to take your risk on the equity side. It would seem to me that there are legitimate opportunities in preferred stocks and convertible bonds that lie somewhere between bonds and stocks to add some return without the same risk levels of equities. Do...
by ruralavalon
Wed Nov 15, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1099192

Re: U.S. stocks in freefall

flyingaway wrote:
Wed Nov 15, 2017 10:33 am
Is the big one coming?
Probably. Someday. Unless it doesn't.

Sorry. My crystal ball is in the shop for repairs, and my time machine never did work right.
by ruralavalon
Wed Nov 15, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

I will get you an example portfolio to consider later this afternoon, no time now. It's odd that the 401k does not offer Vanguard Total Bond Market Index Fund or some other domestic intermediate-term bond fund. Could you please double check that? It would be desirable to use a good intermediate-term...
by ruralavalon
Wed Nov 15, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

At your regular payment rate, how many years until the mortgage is paid off? It's a year old and we're on a bi-weekly schedule, so total payoff should be in about 26 years (roughly around my retirement age of 70). The 3.25% interest on your mortgage is effectively 2.44%, given your tax bracket of 2...
by ruralavalon
Wed Nov 15, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

cash: 100K-----intended for the purpose of investing or paying down principal on the mortgage mortgage: 30 year fixed at 3.25% principal is approx $480K other debt: none Tax bracket: 25% . . . . . 1. What should we do with our 100K cash sitting in the bank (pay down principal or invest)? What amoun...
by ruralavalon
Tue Nov 14, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation/location
Replies: 25
Views: 1337

Re: Portfolio allocation/location

Welcome to the forum :) . You can probably manage your investments yourself. Your use of Vanguard Wellington Admiral Shares (VWENX) ER 0.16% in all accounts so far was a good choice, the fund is well diversified with a low expense ratio. You seem already to have a grasp of the need for diversificati...
by ruralavalon
Tue Nov 14, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Mother in retirement: Withdraw annually or monthly?
Replies: 19
Views: 1879

Re: Mother in retirement: Withdraw annually or monthly?

follow up question: for those who withdraw monthly, do you withdraw proportionally so your asset allocation stays the same or do you choose a specific asset class and change it every now and then based on how the different asset classes are performing? It's withdrawn proportionally from each fund i...
by ruralavalon
Tue Nov 14, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: First "real" job with 401(k), HSA and higher income. Any advice?
Replies: 19
Views: 1658

Re: First "real" job with 401(k), HSA and higher income. Any advice?

If you want the same asset allocation in each account, in the HSA just use Vanguard LifeStrategy Growth Fund (VASGX) ER 0.15%. That fund has an 80/20 asset allocation.
by ruralavalon
Tue Nov 14, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k question - shift to a three-fund portfolio?
Replies: 4
Views: 405

Re: 401k question - shift to a three-fund portfolio?

In my opinion at age 33 a 20% allocation to bonds is within the range of what is reasonable. It's often better to treat all accounts as one unified portfolio, rather than allocate each account separately. I encourage you to consider a 20% bond allocation across all accounts including the Roth IRAs. ...
by ruralavalon
Tue Nov 14, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion of Total Stock Market Index
Replies: 21
Views: 2224

Re: Opinion of Total Stock Market Index

Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% is a very diversified domestic stock fund with a low expense ratio, which is very tax-efficient in a taxable account. Please be sure that your overall portfolio is very diversified, including a good intermediate-term bond fund an...
by ruralavalon
Tue Nov 14, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1153

Re: Wife's 401k investment options (high fees!)

It looks like we may be stuck with S&P Index at 0.70% (we're not eligible for Roth IRA ) [emphasis added] and use our rollover IRAs to balance out the overall portfolio. If the employer doesn't match, don't participate. TravelforFun I disagree. They are not eligible to contribute to Roth IRAs, so h...
by ruralavalon
Tue Nov 14, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Tax Efficiency
Replies: 7
Views: 549

Re: Portfolio Opinions and Tax Efficiency

Welcome to the forum :) . . . . . I am young with a long term outlook (fine with an aggressive profile) and have good job security (military). -Age: 28 -Status: Married, filing jointly -No debt and saving approx. $6k/month -I always max out my ROTH TSP/ROTH IRA first, then taxable. Which brings me t...
by ruralavalon
Tue Nov 14, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Mother in retirement: Withdraw annually or monthly?
Replies: 19
Views: 1879

Re: Mother in retirement: Withdraw annually or monthly?

We have a monthly withdrawal from my rollover IRA, just because it's convenient.
by ruralavalon
Tue Nov 14, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: First "real" job with 401(k), HSA and higher income. Any advice?
Replies: 19
Views: 1658

Re: First "real" job with 401(k), HSA and higher income. Any advice?

kjdbonez wrote:
Tue Nov 14, 2017 1:54 pm
Which fund available in the HSA options above do you guys think would be best for international equity exposure?
None.
by ruralavalon
Tue Nov 14, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 141
Views: 15724

Re: Vanguard 403b Changes

This actually sounds like a completely normal fee for this kind of account. There are legitimate costs to be covered, and it is fair to pay for them. It sounds like an unfair subsidy is being removed. . . . . . . . . I know it sucks to suddenly have a new fee, but I really think it's fair and reaso...
by ruralavalon
Tue Nov 14, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1153

Re: Wife's 401k investment options (high fees!)

badbreath wrote: ↑Mon Nov 13, 2017 11:02 pm 100% State Street S&P 500 Index Fund 0.70% +1 Add Some State Street Russell Small cap. I would not do small cap till you have $30-40k invested in the S&P if not more. I suggest Street S&P 500 Index Fund, ER 0.70%. Consider also the Invesco Stable Asset Fu...
by ruralavalon
Tue Nov 14, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio or Vanguard Target Fund?
Replies: 10
Views: 1028

Re: Schwab Intelligent Portfolio or Vanguard Target Fund?

ACJC, Schwab offers some very low cost index funds, so you could just switch out of the Robo service and stay right there. https://www.schwab.com/public/schwab/investing/accounts_products/investment/mutual_funds/schwab_mutual_funds/equity/index Consider all accounts as parts of one, single portfoli...
by ruralavalon
Tue Nov 14, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Question re: consolidating IRA into current 401K
Replies: 4
Views: 264

Re: Question re: consolidating IRA into current 401K

I'm 40 yrs old and have a Schwab Intelligent Portfolio account which houses all my previous 401ks, currently valued about 140K. I have a 401K account with Schwab for my current employer which is allocated via the "Guided Choice" and currently has about 85K in it (I max it out every year and do abou...
by ruralavalon
Tue Nov 14, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth starting investing if 7-8 years from retirement?
Replies: 22
Views: 2334

Re: Is it worth starting investing if 7-8 years from retirement?

My parents have everything in their annuities and one rental property. They think that combined with their social security will cover them. They are self employed and have no access to 401k. Is it worth it for them to start a taxable brokerage account right now when they still have 7 or 8+ possible...
by ruralavalon
Tue Nov 14, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade
Replies: 8
Views: 905

Re: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade

I agree completely with the article, of course. There's a reason why you don't see any dirt cheap mutual funds in the now old-fashioned NTF fund platforms. Those funds almost universally have 12b-1 fees that have you paying for the NTF platform. And I am positive that "platform payments" from fund ...
by ruralavalon
Tue Nov 14, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Help with porfolio rebalance and simplification
Replies: 6
Views: 680

Re: Help with porfolio rebalance and simplification

EDIT: Thank you so much for the responses. You've provided lots of great resources for me to look at. To clarify and answer some questions that were asked: My employer told me I have the option for my contributions in my 403b past what they match to be roth or traditional (the matching amount is al...
by ruralavalon
Tue Nov 14, 2017 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Questions on detailed 3ish-fund portfolio plan execution
Replies: 11
Views: 1051

Re: Questions on detailed 3ish-fund portfolio plan execution

In my opinion the 2008 viewpoint is still good -- "Empirical and practical issues suggest a starting allocation to international stocks of 20%, with an upper limit based on the proportion of the global market they represent". I personally prefer the lower end of that range, thinking there is no rea...
by ruralavalon
Tue Nov 14, 2017 5:00 am
Forum: Investing - Theory, News & General
Topic: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade
Replies: 8
Views: 905

"No Transaction Fee" (NTF) hidden fees; TDAmeritrade

Here is an interesting article from Morningstar, "Will the Fund Industry Ever Come Clean?"' . This is a concise history the different ways over the decades that the fund industry has hidden fees from the investor, now in the form of "No Transaction Fee" (NTF) fund platforms. The 1990s brought no-tra...
by ruralavalon
Mon Nov 13, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Which Fund to Pick?
Replies: 3
Views: 272

Re: Which Fund to Pick?

Welcome to the forum :) . After paying off my debts, fully funding my 401K and 529 plan, and funding an 8-month emergency fund, I was finally able to set aside $10K solely for investment purposes. This is not for any specific purpose or date, I don't need to buy a car or remodel a home. I just want ...
by ruralavalon
Mon Nov 13, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Help with porfolio rebalance and simplification
Replies: 6
Views: 680

Re: Help with porfolio rebalance and simplification

Asset allocation. Age: 32 Desired Asset allocation: 90% stocks / 10% bonds (this is what I understand is currently desirable looking decades out, but I’m open to considering less stock allocation) Desired International allocation: 20% of stocks (this is more of a guess than anything else on my part...
by ruralavalon
Mon Nov 13, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3335

Re: Is an investment account the best choice for me (new guy)

Would there ever be a reason to invest in Vanguard Total Stock Mkt Idx Inv instead of the Vanguard LifeStrategy Growth Fund (VASGX) ER 0.15%? Since the number 1 stock fund in VASGX is (VTSMX), when would it be apropriate to put money in VASGX instead of VTSMX? I compared them on the vanguard websit...
by ruralavalon
Mon Nov 13, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3088

Re: What's your weighted average expense ratio?

.06 I am trying to convince my friend with a larger portfolio than myself that fees matter. He is in denial. I am hoping he will see the light soon. His portfolio is underperforming due to excessive cash holdings. He quotes returns based on the 57% invested in stocks, ignoring the 43% in cash. I tr...