Search found 20830 matches

by ruralavalon
Sun Apr 11, 2021 3:49 pm
Forum: Personal Investments
Topic: Investment Allocation: Unpredictable Income
Replies: 16
Views: 929

Re: Investment Allocation: Unpredictable Income

Welcome to the forum :) . What is your age? I'm trying to find a low fee, simple way that I can sleep well at night knowing I own a very small piece of the whole world's productivity and can use the dividends to always ensure I have an income. My objective is to create a consistent passive source of...
by ruralavalon
Sun Apr 11, 2021 3:14 pm
Forum: Personal Investments
Topic: International equity ETF options (IXUS, IDEV, IEMG)
Replies: 8
Views: 818

Re: International equity ETF options (IXUS, IDEV, IEMG)

Excellent analysis, thanks. IXUS is market cap weighted so I presume China may eventually become the largest component of this ETF? I would not assume that. iShares Core MSCI Total Intl Stk ETF (IXUS) is currently about 11% China. The Morningstar style box for iShares Core MSCI Total Intl Stk ETF (...
by ruralavalon
Sun Apr 11, 2021 11:13 am
Forum: Personal Investments
Topic: Partial rollover of current 401k to Vanguard
Replies: 3
Views: 331

Re: Partial rollover of current 401k to Vanguard

Welcome to the forum :) . I would like to transfer some of my current 401k to Vanguard because of high fees, still working for a few more years and still contributing to current 401k. Are there any restrictions on this? Fee for Vanguard Life Strategy Income Fund is .65% for work 401k compared to .11...
by ruralavalon
Sun Apr 11, 2021 11:01 am
Forum: Personal Investments
Topic: Which Roth to choose - IRA or 401k
Replies: 20
Views: 1707

Re: Which Roth to choose - IRA or 401k

Thanks. The calculations do help confirm what I had already saw in my numbers regarding contributing to the Roth instead of all into the traditional. But whether to use the employers or the already established Roth was my next dilemma. I realized my employer is passing on the management fees that o...
by ruralavalon
Sun Apr 11, 2021 10:56 am
Forum: Personal Investments
Topic: Which Roth to choose - IRA or 401k
Replies: 20
Views: 1707

Re: Which Roth to choose - IRA or 401k

Nate7out wrote: Thu Apr 08, 2021 7:19 pm Sounds like index annuity or variable annuity. That's how the fake mutual funds in a 403b work when you are stuck with an insurance company.
Are these Collective Investment Trusts, where dividends are automatically reinvested in the trusts? That seems more likely to me.
by ruralavalon
Sun Apr 11, 2021 10:13 am
Forum: Personal Investments
Topic: Target date funds in retirement vs bucket strategy
Replies: 5
Views: 536

Re: Target date funds in retirement vs bucket strategy

Welcome to the forum :) . My investable assets are in target date funds in both my retirement and taxable accounts with 45/55 allocation stocks/bonds in each. Does this method of investing conflict with using a bucket strategy as my stocks and bonds are commingled in a single target date fund obliga...
by ruralavalon
Sun Apr 11, 2021 9:40 am
Forum: Personal Investments
Topic: Analysis paralysis about International in Taxable Account
Replies: 26
Views: 1543

Re: Analysis paralysis about International in Taxable Account

Vanguard Total Stock Market ETF (VTI) is identical to Vanguard Total Stock Market Index Fund (VTSAX), it's just another share class of the same fund. Vanguard Total International Stock ETF (VXUS) is identical to Vanguard Total International Stock Index Fund (VTIAX) it's just another w class of the ...
by ruralavalon
Sun Apr 11, 2021 9:18 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6535
Views: 1449308

Re: What Movie Have You Recently Watched?

Death on the Nile, on YouTube.

2004 version starting David Suchet as Hercule Poirot. A wealthy American heiress honeymooning on a Nile cruise ship is stalked by a former friend, whose boyfriend she had stolen before making him her new husband.
by ruralavalon
Sat Apr 10, 2021 1:35 pm
Forum: Personal Investments
Topic: Analysis paralysis about International in Taxable Account
Replies: 26
Views: 1543

Re: Analysis paralysis about International in Taxable Account

Either way will be okay. What international stock funds are offered in your employer's 401k plan? Which fund is most tax-efficient varies from year to year, it depends on factors like the promotion of qualified dividends. Recently Vanguard Total Stock Market Index Fund has been more tax eficient. S...
by ruralavalon
Sat Apr 10, 2021 11:10 am
Forum: Personal Investments
Topic: Looking for a well-diversified portfolio of 100% stocks
Replies: 14
Views: 1113

Re: Looking for a well-diversified portfolio of 100% stocks

I am looking for a fairly simple diversified Portfolio consisting of NO Bonds. The reason why is that when I retire early in 7 years or so, my pension will be my fixed income source covering anywhere from 85% of my expenses to (100% if I live little more frugally). I do have about 2-3 years of savi...
by ruralavalon
Sat Apr 10, 2021 10:45 am
Forum: Personal Investments
Topic: Financial advisor help
Replies: 22
Views: 2074

Re: Financial advisor help

Hi, My wife and I have gone down the financial advisor route previously, had problems, and now have opinions on what we want and don’t want. * We are NOT looking for an advisor to perform active fund management (e.g. day trading, options trading, etc.). This is what our previous manager did - we wa...
by ruralavalon
Sat Apr 10, 2021 10:11 am
Forum: Personal Investments
Topic: AA - Too conservative?
Replies: 27
Views: 2651

Re: AA - Too conservative?

After reading All about asset allocation by Richard Ferri 6 years ago I decided to set my asset allocation to 70% stocks and 30% bonds. I can’t recall exactly how I landed on this and now I’m questioning it. I’m currently 36 married with kids and have about $1m in retirement savings. With the run u...
by ruralavalon
Sat Apr 10, 2021 10:04 am
Forum: Personal Investments
Topic: Individual IRA vs 401K
Replies: 7
Views: 567

Re: Individual IRA vs 401K

I have about half of my portfolio in my own IRA/SEP/Roth with Vanguard (Total Stock Market Index/Total International Stock Market index/Total Bond market index with 60/40 split) and the other half in my company 401K in Vanguard 2025. I plan to retire this year. Should I consolidate all in one place...
by ruralavalon
Sat Apr 10, 2021 9:57 am
Forum: Personal Investments
Topic: VWAHX
Replies: 7
Views: 611

Re: VWAHX

I have no idea.

I had to look up what you were referring to, Vanguard High-Yield Tax-Exempt Fund Investor Shares (VWAHX).
by ruralavalon
Sat Apr 10, 2021 9:53 am
Forum: Personal Investments
Topic: Rolling over a 401 k
Replies: 2
Views: 222

Re: Rolling over a 401 k

I have recently retired and for a number of reasons I am considering rolling over my 401 k into a Rollover IRA. My 401 k has been held at TD Ameritrade in a Self Directed Plan. I have had after tax investments at Vanguard for quite a few years. So I am familiar with both companies. I feel to some d...
by ruralavalon
Sat Apr 10, 2021 9:48 am
Forum: Personal Investments
Topic: Analysis paralysis about International in Taxable Account
Replies: 26
Views: 1543

Re: Analysis paralysis about International in Taxable Account

Hi all, I had initially made a plan earlier this year to put my Total International (VTIAX) in my Taxable account for the purposes of foreign tax credit. I started to do this but then read in other places on the forum about it not being as tax efficient as Total Stock (like VTSAX). I also saw that ...
by ruralavalon
Sat Apr 10, 2021 9:38 am
Forum: Personal Investments
Topic: Opening up a ROTH IRA for Daughter - Just started working
Replies: 2
Views: 253

Re: Opening up a ROTH IRA for Daughter - Just started working

Hi, My daughter recently started to work full time. She was recently gifted some money. She would like to start a ROTH IRA with this money. Although I have a financial advisor, I thought that she should be able to open one up without one. Do you recommend just going online and opening up one? I wan...
by ruralavalon
Sat Apr 10, 2021 9:02 am
Forum: Personal Investments
Topic: new job and new retirement account
Replies: 13
Views: 904

Re: new job and new retirement account

got it. thank you. indexing all the way then if i roll over, ill lose the vanguard target retirement which automatically allocates periodically? would i be able to keep the fund even though new employer doesn't carry it? Ni, if you rollover you move cash to the new employer's plan and invest in wha...
by ruralavalon
Fri Apr 09, 2021 5:20 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 85
Views: 6831

Re: Mixing Bogle and Ramsey to build my portfolio

Welcome to the forum :) . It's great to see that you are using very diversified index funds with very low expense ratios for your investing, primarily total market type index funds. In my opinion 100% stocks is unwise. I usually suggest a bond allocation even for younger investors, starting with 20%...
by ruralavalon
Fri Apr 09, 2021 5:02 pm
Forum: Investing - Theory, News & General
Topic: FSMAX Shows 6% Loss Today?
Replies: 39
Views: 2460

Re: FSMAX Shows 6% Loss Today?

FSMAX (Fidelity Extended Market Index), one of my largest holdings, shows a loss in my brokerage account of 5.67% today. There were no dividend payouts, and Vanguard's Extended Market ETF is up today. Any thoughts as to what might be going on? I called Fidelity and the representative initially trie...
by ruralavalon
Fri Apr 09, 2021 4:37 pm
Forum: Personal Investments
Topic: new job and new retirement account
Replies: 13
Views: 904

Re: new job and new retirement account

great. i will follow this advice. I will allocate 20-25% only of the money to the fidelity growth. its ER is higher than what i like and it has been doing very well recently which may not necessarily be the future. does this sound reasonable? . . . . . No. That does not sound reasonable. "Doin...
by ruralavalon
Fri Apr 09, 2021 4:23 pm
Forum: Personal Investments
Topic: new job and new retirement account
Replies: 13
Views: 904

Re: new job and new retirement account

To every friend who replied thank you from the bottom of my heart. i edited the post and include the ER and ticker symbols. please let me know the recommendations to imitate BND, VTSAX, and VXUS if you agree based on the new info I suggest these three funds: 1) FID 500 INDEX 0.015% FXAIX; 2) VANG T...
by ruralavalon
Fri Apr 09, 2021 4:12 pm
Forum: Personal Investments
Topic: new job and new retirement account
Replies: 13
Views: 904

Re: new job and new retirement account

dear friends, i was in a job that had a 403b account and currently have in it 75k. all this 75k is in vanguard target retirement funds that automatically reallocates money. i have a taxable buy and hold account that i apply three fund portfolio to (BND, VXUS, and VTI). my roth has only VTSAX and TI...
by ruralavalon
Fri Apr 09, 2021 4:01 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270597

Re: Post your Financial Milestone Announcements Here

tbone555 wrote: Fri Apr 09, 2021 3:56 pm We joined the two comma club this week in liquid assets. Been a a pretty big ride up from 2017.

Edit to add: I am 40 and she is 39.
Congratulations to you too :D .
by ruralavalon
Fri Apr 09, 2021 4:00 pm
Forum: Personal Investments
Topic: Allocate 401k by contribution source
Replies: 15
Views: 916

Re: Allocate 401k by contribution source

... Person C: waits to gather information and have an informed view. You say Tomato and I say Tomahto. I agree, the best procedure is to gather more information rather than make assumptions about important facts. Superleaf444 will you be eligible for both a substantial pension and Social Security b...
by ruralavalon
Fri Apr 09, 2021 3:55 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270597

Re: Post your Financial Milestone Announcements Here

My wife and I have crossed the 2 comma investment milestone with the rise in markets this afternoon! Around 85% of our nw is tied into an assortment of investment accounts. I am thrilled with the progress and thankful for the awesome returns the market has provided this year. I just turned 40 and s...
by ruralavalon
Fri Apr 09, 2021 3:37 pm
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 64
Views: 5807

Re: I cant find anything better than S&P

My vote: Total US Stock Market Index and chill. Vtsax then chill? Isnt it literally same as vfiax historically? Not according to portfoliovisualizer. Certainly with in error 11.53 vs 11.35 CAGR https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&s...
by ruralavalon
Fri Apr 09, 2021 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Questions for 10+ year retirees
Replies: 21
Views: 2917

Re: Questions for 10+ year retirees

I wonder why all the rules of thumb suggest that expenses will drop over time? I would say it's for several reasons, but "time" is probably more than 10 years. * No more employment expenses - the big ones being commute costs, lunch and clothing. * No more child expenses - including colleg...
by ruralavalon
Fri Apr 09, 2021 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Questions for 10+ year retirees
Replies: 21
Views: 2917

Re: Questions for 10+ year retirees

I have two questions for people who have been retired for 10+ years to help with my long term planning: It is generally stated that expenses go down in retirement over time, has this turned out to be true for you and if so, by roughly what percentage over what time period? If you have a non-COLAed ...
by ruralavalon
Fri Apr 09, 2021 10:37 am
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 64
Views: 5807

Re: I cant find anything better than S&P

newyorker wrote: Thu Apr 08, 2021 11:00 pm
anon_investor wrote: Thu Apr 08, 2021 10:59 pm My vote: Total US Stock Market Index and chill.
Vtsax then chill? Isnt it literally same as vfiax historically?
Either is an excellent choice. I use Vanguard Total Stock Market Index Fund (VTSAX) because a little more diversified.
by ruralavalon
Fri Apr 09, 2021 10:32 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270597

Re: Finally cracked 100k in retirement accounts!

elliott1234 wrote: Thu Apr 08, 2021 7:41 pm [Thread merged into here --admin LadyGeek]

It took ~9 years but I got there! I'm 37, never made more than $37,000 a year but maxed out my Roth every year and had some small IRA's + matching from employers. Enjoying it before the market goes down :)
Congratulations, that's great :D .
by ruralavalon
Fri Apr 09, 2021 10:20 am
Forum: Personal Investments
Topic: International equity ETF options (IXUS, IDEV, IEMG)
Replies: 8
Views: 818

Re: International equity ETF options (IXUS, IDEV, IEMG)

Excellent analysis, thanks. IXUS is market cap weighted so I presume China may eventually become the largest component of this ETF? I would not assume that. iShares Core MSCI Total Intl Stk ETF (IXUS) is currently about 11% China. The Morningstar style box for iShares Core MSCI Total Intl Stk ETF (...
by ruralavalon
Fri Apr 09, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6535
Views: 1449308

Re: What Movie Have You Recently Watched?

Evil Under the Sun, on YouTube.

Hercule Poirot it played by David Suchet, is advised by his doctor to take it easy at an island health resort. Of course mysteries abound and a murder must be solved.

trailer
by ruralavalon
Fri Apr 09, 2021 9:59 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5073
Views: 1323351

Re: What Book Are You Currently Reading? Part VI

Japanese Destroyer Captain - Capt Tameichi Hara Memoirs of a Japanese naval captain who fought and survived something like 12+ major engagements in WW2. Very interesting to see things from the Japanese point of view - and he holds nothing back relative to his contempt for the inflexible Japanese co...
by ruralavalon
Thu Apr 08, 2021 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 61
Views: 9168

Re: Disappointed in Missing a Long Term Financial Goal

OldSport wrote: Thu Apr 08, 2021 2:16 am Bogleheads,

I'm excited to announce that I recently hit the "millionaire" :moneybag milestone in investable portfolio! With ~$200k home equity, that brings NW to just over $1.2M. Did it before 40, which was a long term goal! :sharebeer :sharebeer
Congratulations :D .
by ruralavalon
Thu Apr 08, 2021 6:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6535
Views: 1449308

Re: What Movie Have You Recently Watched?

The Sign of Four, on Amazon Prime.

This 1983 Sherlock Holmes movie stars Ian Richardson. A jewel robbery in India and a prison escape in the Andaman Islands leads to revenge and murder in England.
by ruralavalon
Thu Apr 08, 2021 3:57 pm
Forum: Personal Investments
Topic: Brokerage account - what to buy?
Replies: 13
Views: 1199

Re: Brokerage account - what to buy?

Hi, we are in our late 30s, tax bracket @ 32% Fed and 11% state. Our portfolio is mainly in tax deferred accounts, with about 10% in Roth, and <2% in taxable brokerage account. . Tax deferred accounts: 40% TRF, 52% total stock markets (VTSAX, vanguard 500 index), and 8% bonds (VBILX, VBLAX) . Roth ...
by ruralavalon
Thu Apr 08, 2021 2:06 pm
Forum: Personal Investments
Topic: Can you and should you buy Coinbase shares when it is IPO in Vanguard IRA accounts ?
Replies: 44
Views: 3620

Re: Can you and should you buy Coinbase shares when it is IPO in Vanguard IRA accounts ?

I like the asset allocation you've shown in your Bogleheads.org signature... AA: 60/10/10/20 (VTSAX/VSMAX/VTIAX/VBTLX) I'd stick with that. Regards, Thank you. I luckily found Bogleheads forum early when I started working and contributing to 401K and IRA. If I buy COIN or Bitcoin ETF, likely I will...
by ruralavalon
Thu Apr 08, 2021 2:05 pm
Forum: Personal Investments
Topic: Can you and should you buy Coinbase shares when it is IPO in Vanguard IRA accounts ?
Replies: 44
Views: 3620

Re: Can you and should you buy Coinbase shares when it is IPO in Vanguard IRA accounts ?

I like the asset allocation you've shown in your Bogleheads.org signature... AA: 60/10/10/20 (VTSAX/VSMAX/VTIAX/VBTLX) I'd stick with that. Regards, Thank you. I luckily found Bogleheads forum early when I started working and contributing to 401K and IRA. If I buy COIN or Bitcoin ETF, likely I will...
by ruralavalon
Thu Apr 08, 2021 1:48 pm
Forum: Personal Investments
Topic: Need guidance investing in taxable account for first time
Replies: 11
Views: 1319

Re: Need guidance investing in taxable account for first time

before investing in taxable accounts, have you checked whether your 401K allows in-plan conversions of after-tax contributions to a Roth 401K, commonly called a mega-backdoor Roth? This could allow up to an additional $35K/yr or so each to be put into the Roth 401K. Since you would invest in the ta...
by ruralavalon
Thu Apr 08, 2021 11:34 am
Forum: Personal Investments
Topic: Portfolio Questions
Replies: 2
Views: 370

Re: Portfolio Questions

Welcome to the forum :) . 1. What to do with cash in tax deferred account especially with the current market valuation? Finding it hard to pull the trigger to buy VTSAX, which is what I like to do. Go ahead and invest now. 2. Simplify the portfolio to possibly just VTSAX and VBTLX, starting with tax...
by ruralavalon
Thu Apr 08, 2021 11:06 am
Forum: Personal Investments
Topic: Consolidate Fidelity to Vanguard or not
Replies: 33
Views: 2437

Re: Consolidate Fidelity to Vanguard or not

I have all my taxable positions in Vanguard, however I had a $16K sale of an ESPP recently which is with Fidelity and it got transferred to a Fidelity Taxable account. I am pondering whether to just leave it there or move it to Vanguard. My main reasoning is that if I buy FSKAX (Fidelity equivalent...
by ruralavalon
Thu Apr 08, 2021 10:39 am
Forum: Personal Investments
Topic: Family with 4 little humans: chances of retiring/financial independence
Replies: 70
Views: 7036

Re: Family with 4 little humans: chances of retiring/financial independence

Hi everyone, We just refinanced our mortgage to a 20y note, and I've got this idealized goal of retiring the day it's paid off. I'd like to get to financial independence at a relatively young age. Is that realistic? Thank you! Texanbybirth, 1) 20 years mortgage -> How does this make any sense when ...
by ruralavalon
Thu Apr 08, 2021 10:32 am
Forum: Personal Investments
Topic: New Vanguard Ultra Short Bond ETF (VUSB)
Replies: 17
Views: 2005

Re: New Vanguard Ultra Short Bond ETF (VUSB)

I logged onto Vanguard today and saw them post about a new ETF, Ultra Short Bond. On their site, it says it is for cash you think might be used in 6 to 18 months or to try to build your emergency fund. https://investornews.vanguard/vanguard-ultra-short-bond-etf-launched-today/ https://investor.vang...
by ruralavalon
Thu Apr 08, 2021 10:17 am
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 6922

Re: How to lose the desire of outperforming the market?

Thank you all for your posts. Sold 45 QQQ @334.10$ Bought 71 VTI @211.98$ At least this lesson wasn't painful. Last time I sold VIOV after it underperformed VTI and made an actual loss in doing so. I calculated that if I had bought VTI instead of QQQ in the last couple of months, my avg. buying pri...
by ruralavalon
Thu Apr 08, 2021 9:58 am
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 75
Views: 4937

Re: Simplicity over Small Cap Value

I struggle with understanding what's so "complex" about a few extra tilts or slice 'n dices of low cost funds for such a capable bunch as found here on Bogleheads. Or what's so "hard" about something so "complex" as 5-10 funds vs 3 funds. I mean this place is full of P...
by ruralavalon
Thu Apr 08, 2021 9:38 am
Forum: Personal Investments
Topic: Brokerage account - what to buy?
Replies: 13
Views: 1199

Re: Brokerage account - what to buy?

Hi, we are in our late 30s, tax bracket @ 32% Fed and 11% state. Our portfolio is mainly in tax deferred accounts, with about 10% in Roth, and <2% in taxable brokerage account. . Tax deferred accounts: 40% TRF, 52% total stock markets (VTSAX, vanguard 500 index), and 8% bonds (VBILX, VBLAX) . Roth ...
by ruralavalon
Wed Apr 07, 2021 8:01 pm
Forum: Personal Investments
Topic: 34yr old - First time poster - Portfolio & Life Help
Replies: 20
Views: 3103

Re: 34yr old - First time poster - Portfolio & Life Help

In your 401k plan simplify to use just: 1) FXAIX FID 500 INDEX (Exp Ratio:0.02%); 2) FTIHX FID TOTAL INTL IDX (Exp Ratio:0.06%); and 3) FXNAX FID US BOND IDX (Exp Ratio:0.03%). I am going to simplify to these. 2 questions: Any concern that 500 Index doesn't cover small and medium sectors? Should I ...
by ruralavalon
Wed Apr 07, 2021 7:35 pm
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 6922

Re: How to lose the desire of outperforming the market?

Sounds like you will need to underperform the market a few more times. Keep going, you’ll get there. + 1. Losing a ton of money trying to beat the market will cure most people. More seriously, consider switching everything in your tax-advantaged accounts to a single very diversified, low expense, b...
by ruralavalon
Wed Apr 07, 2021 6:49 pm
Forum: Personal Investments
Topic: Family with 4 little humans: chances of retiring/financial independence
Replies: 70
Views: 7036

Re: Family with 4 little humans: chances of retiring/financial independence

Emergency funds: 6 mo exp, cash . . . . . Current retirement assets : ~$250k (2.7x salary, 4x expenses) . . . . . New annual Contributions $13,875 his 401k (15% of salary); also separately discretionary 5% employer match: $4,625 (if awarded, deposited once/year in the Spring) $6k his Roth IRA $6k h...