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Message
What are some of your better performing Vanguard funds?
Posted on 3/30/12 at 8:39 am
Posted on 3/30/12 at 8:39 am
Admittedly, I'm not very knowledgable in investments, but I have a pretty well performing plan. Seeing if I could get some recommendations on some of the funds you have.
Thanks
Thanks
4
Posted on 3/30/12 at 8:57 am to MakeMoney
quote:
Admittedly, I'm not very knowledgable in investments, but I have a pretty well performing plan. Seeing if I could get some recommendations on some of the funds you have.
Relative to what? Nobody can realistically answer this question since most investments/funds are tailored towards specific goals. For example, I have a dividend fund. It returned 7.2% last year which is what I expected from it. Sure it lagged a growth market but it was a nice performing fund for it's objective.
Posted on 3/30/12 at 9:11 am to Broke
quote:
Relative to what? Nobody can realistically answer this question since most investments/funds are tailored towards specific goals. For example, I have a dividend fund. It returned 7.2% last year which is what I expected from it. Sure it lagged a growth market but it was a nice performing fund for it's objective.
Well, not sure. I'm only 27 years old, been working for my company for almost 5 years, and looking for more tips or guidance. I know how these funds are designed for specific goals, but I'm looking for some guidance on what has performed well for some of you who have more experience than I do with it. That's all.
This post was edited on 3/30/12 at 9:12 am
Posted on 3/30/12 at 9:14 am to MakeMoney
quote:
What are some of your better performing Vanguard funds?
Over what period of time? Better performing compared to what? Broke is right.
I expect better performance over time from VSS compared to VTI, but that doesn't mean annually or over a 5-year period.
Posted on 3/30/12 at 9:32 am to MakeMoney
quote:
but I'm looking for some guidance on what has performed well for some of you who have more experience than I do with it. That's all.
FTR, no one here is trying to be a jerk, this question just doesn't mean anything.
Also, past performance does not indicate anything about future performance. Basing your decision on how a fund has been doing is a pitfall, as you are always chasing yield, which usually leads to underperformance, in my experience.
If I were you, I would put it all in a target date retirement fund and spend some time reading up about investing. You will be amazed at how much a little bit of intellectual investment will turn into a better understanding of the market.
Also, reading these boards is a great way to learn a lot of useful things about every day financial moves. I've been on here for 3 years, have an undergrad in finance, an MBA and 2/3 of a CFA and I still learn something useful almost every day.
Posted on 3/30/12 at 9:35 am to MakeMoney
Vanguard 2050 retirement target date fund. Mine has grown by almost 14% since August 2011 not including what I've contributed since then. Can't complain with 14%!!!
Posted on 3/30/12 at 9:36 am to tirebiter
quote:
tirebiter
Is this you? Someone on here said that they look at last year's funds, choose the worst performing one and throw a bunch of money in that one.
Posted on 3/30/12 at 10:10 am to Broke
quote:
I have a dividend fund. It returned 7.2% last year which is what I expected from it. Sure it lagged a growth market but it was a nice performing fund for it's objective.
THIS. My dvidend fund gave me a 10% return combined capital gains and dividends.
Posted on 3/30/12 at 10:10 am to Chad504boy
quote:
Is this you? Someone on here said that they look at last year's funds, choose the worst performing one and throw a bunch of money in that one.
Which is the opposite of what the OP asked and was purchased for a reason? And, why, if an investor believes the expected return of an international small cap ETF inclusive of emerging markets is a better long run value and was down in 2012 vs domestic large cap dividend oriented holdings would I not choose to buy the investment with the higher expected return at a lower price? And for clarity, a $5k Roth or tIRA annual contribution, is not a "bunch of money".
Investors need a rational, well thought out investment plan, not a shoot from the hip let me trade SVM or other small cap stock with some fun money today. It's like the disclaimer on fund investments, "past results are not indicative of future performance" or "mgt forward looking estimates/statements may be significantly incorrect".
With that said, VSS is up 13.7% YTD, so that $5k is working hard, but pales in comparison to the legacy investments in that specific ETF, $45 to $50 a share was a lot cheaper. If one has a plan and rebalances accordingly it makes one sell appreciated holdings and buy lower priced assets, it's not the worst thing in the world to do with retirement assets and target date funds do it for you automatically. YMMV, and expected returns don't always materialize in the future.
Posted on 3/30/12 at 10:11 am to TDsngumbo
how old are you? 25?
Posted on 3/30/12 at 11:19 am to TheHiddenFlask
quote:
FTR, no one here is trying to be a jerk, this question just doesn't mean anything.
I understand completely. My question sucked, as there is no real answer. And I'm not looking for "the answer".
I'm just basically looking for examples of what worked for you and over x time span. Maybe my post should have been "What was a high performing Vanguard fund that you had and over what time span was the return".
Here's my situation. I'm 27, undergrad in Finance but no real experience in retirement funds, and been contributing to mine for 4+ years, and have about $70k in mine now. However, that is company stock mostly and letting my initial funds that were set up ride, with little revisions on my part.
I have a lot of savings, but its sitting in my bank now due to a falling out with my investment broker, as I really haven't had time lately to research things. Looking into a Roth IRA as well.
Been reading the board more and more lately, and finding some great stuff. Just hoping to get some good advice, that's all.
This post was edited on 3/30/12 at 11:20 am
Posted on 3/30/12 at 12:45 pm to MakeMoney
quote:
Just hoping to get some good advice,
quote:
have about $70k in mine now. However, that is company stock mostly
Diversify. The sooner, the better.
Posted on 3/30/12 at 1:30 pm to tirebiter
quote:
"past results are not indicative of future performance"
I think a lot of people don't take this seriously. Like, "oh that's just some boilerplate the lawyers make them say." But it's really, really true.
Posted on 3/30/12 at 1:54 pm to Dusty Bottoms
quote:
Diversify. The sooner, the better.
When I said mostly, its at like 70%. I work for a big oil company, so not as worried about the stock
Posted on 3/30/12 at 1:55 pm to Cold Cous Cous
quote:
quote:
"past results are not indicative of future performance"
I think a lot of people don't take this seriously. Like, "oh that's just some boilerplate the lawyers make them say." But it's really, really true.
Definitely agree. Should have just asked for investment advice rather than "fund". Planning on getting the Investment book that was posted in a couple of the recent threads and doing some research
Posted on 3/30/12 at 2:08 pm to MakeMoney
quote:
When I said mostly, its at like 70%. I work for a big energy company (Enron), so not as worried about the stock
quote:
When I said mostly, its at like 70%. I work for a big telecommunications company (Worldcom), so not as worried about the stock
Posted on 3/30/12 at 2:29 pm to MakeMoney
I once worked for the 2nd largest telecom company in the US. The stock had been a high flyer for years, had a stable customer and revenue base, and held a strong buy recommendation from virtually every respected analyst. Our CEO was a maverick, and our CFO appeared on the cover of CFO magazine and was revered in our profession. I was in a postion of know with respect to the inner workings and (I thought) the financials.
In what seemed like only months from the top of the market and entering recession, we uncovered and reported one of the largest accounting frauds ever, and a short few months later we were bankrupt (the largest in history, at the time). I got out before most others at the company but still lost most of my 401k. Fortunately I was young and "most of my 401k" didn't amount to much in the grander scheme. The loss of the vested stock options was what really stung and still does to this day.
That was the single greatest lesson learned in my investing lifetime, far greater than any from the great recession we are still exiting.
I believe whole-heartedly in the company I work for now, but I unload my vested equity every year on the day my insider restrictions are lifted and immediately diversify. It isn't a matter of trust but a better appreciation for risk. I don't mean to preach - just wanted to offer a bit of perspective.
In what seemed like only months from the top of the market and entering recession, we uncovered and reported one of the largest accounting frauds ever, and a short few months later we were bankrupt (the largest in history, at the time). I got out before most others at the company but still lost most of my 401k. Fortunately I was young and "most of my 401k" didn't amount to much in the grander scheme. The loss of the vested stock options was what really stung and still does to this day.
That was the single greatest lesson learned in my investing lifetime, far greater than any from the great recession we are still exiting.
I believe whole-heartedly in the company I work for now, but I unload my vested equity every year on the day my insider restrictions are lifted and immediately diversify. It isn't a matter of trust but a better appreciation for risk. I don't mean to preach - just wanted to offer a bit of perspective.
This post was edited on 3/30/12 at 2:32 pm
Posted on 3/30/12 at 2:31 pm to Teddy Ruxpin
touche
Posted on 3/30/12 at 2:37 pm to Teddy Ruxpin
good point teddy. I work for one of the big 3, but can never be too careful. Thanks. 
Posted on 3/30/12 at 3:32 pm to MakeMoney
I didn't mean to be snippy earlier, had to go to a tax meeting with the CPA I have been dreading. I am inferring that you were seeking a way to compile and compare returns of Vanguard funds for your amusement. This link will take you to equity funds, then click performance tab, than annual returns sub-tab, and it should display ~ 10-years results.
VGD link
The Callan annual composite return rankings would also be of interest.
Callan returns
Referring back to other posts, look at a period in the 90's when SPX outperformed and Emerging Markets sucked hind tit, then look what happened for an extended period in the 2000's for both. Periods of poor returns often beget large positive returns in subsequent years. Then there is Japan......
The information at the Vanguard Institutional Investor site tends to have a lot better content for educational purposes, ie research, white papers, etc.
One day I hope to receive a lot of great Karma for paying all this shite forward.
VGD link
The Callan annual composite return rankings would also be of interest.
Callan returns
Referring back to other posts, look at a period in the 90's when SPX outperformed and Emerging Markets sucked hind tit, then look what happened for an extended period in the 2000's for both. Periods of poor returns often beget large positive returns in subsequent years. Then there is Japan......
The information at the Vanguard Institutional Investor site tends to have a lot better content for educational purposes, ie research, white papers, etc.
One day I hope to receive a lot of great Karma for paying all this shite forward.
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