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Started By
Message
Good ETF or Vanguard fund suggestion...
Posted on 12/5/12 at 10:00 am
Posted on 12/5/12 at 10:00 am
...would be appreciated. I would like to put some money into an ETF or fund that I can manage within my scottrade account but would appreciated any suggestions.
Thanks,
Scoop
Thanks,
Scoop
6
Posted on 12/5/12 at 10:22 am to BamaScoop
(no message)
This post was edited on 1/2/13 at 1:44 pm
Posted on 12/5/12 at 10:28 am to BamaScoop
What are you looking for/what's your situation?
Balanced or sector? Taxable or retirement account? What's the time frame of the investment?
What do you already have?
Investments aren't one size fits all....I can suggest a fund and while it may work for one, but not another.
One blind fund recommendation I like is VSEQX, VWNFX
If you don't already have something geared for the oil industry, pick up the Energy fund first before those two.
Balanced or sector? Taxable or retirement account? What's the time frame of the investment?
What do you already have?
Investments aren't one size fits all....I can suggest a fund and while it may work for one, but not another.
One blind fund recommendation I like is VSEQX, VWNFX
If you don't already have something geared for the oil industry, pick up the Energy fund first before those two.
Posted on 12/5/12 at 10:28 am to BamaScoop
My Vanguard ETF portfolio holds:
VTI
VEA
VWO
VSS
BND
Just for some ideas. (I'll also take comments on it)
VTI
VEA
VWO
VSS
BND
Just for some ideas. (I'll also take comments on it)
This post was edited on 12/5/12 at 10:32 am
Posted on 12/5/12 at 10:44 am to Siderophore
quote:
If you don't already have something geared for the oil industry, pick up the Energy fund first before those two.
My comment on this is that I always found it weird that someone who wants to do the Vanguard Bogle thing (assuming Scoop does) would buy sector ETFs.
Seems like, if you keep slicing up the ETFs into narrower pieces, you are essentially trying to play "stock picker" and defeating the methodology.
Posted on 12/5/12 at 10:53 am to Teddy Ruxpin
I use Vanguard exclusively....I like their approach in general. So I don't know what this Bogle is.
But the difference between sector stock and stock picking is how you apply it.
Most stock picking is looking to sell for a profit in the next 3 years or less, sector is more long view, and gives you diversification past a single company.
I only really use Energy (because I really done see oil exploration stopping being lucrative in the next 20 years), consumer staples (solely as a bear market/stagnant hedge), and I'm debating to get in mining/previous metals.
Also, I use sector to also mean classifications of stock, such as mid cap growth or dividend appreciation stock.
But the difference between sector stock and stock picking is how you apply it.
Most stock picking is looking to sell for a profit in the next 3 years or less, sector is more long view, and gives you diversification past a single company.
I only really use Energy (because I really done see oil exploration stopping being lucrative in the next 20 years), consumer staples (solely as a bear market/stagnant hedge), and I'm debating to get in mining/previous metals.
Also, I use sector to also mean classifications of stock, such as mid cap growth or dividend appreciation stock.
This post was edited on 12/5/12 at 10:54 am
Posted on 12/5/12 at 11:28 am to Siderophore
quote:
So I don't know what this Bogle is.
The guy who started Vanguard.
And I got you. Was just wondering.
Posted on 12/5/12 at 12:47 pm to Teddy Ruxpin
Lol the way you phrased it, it seemed like it was some program for getting vanguard ETF/funds from another broker.
Posted on 12/5/12 at 1:11 pm to BamaScoop
I just put some money in
www.betterment.com
basically a manager of managers...
I am going to let it go for a year or so and see what happens.. They charge a small % but its a hands off approach for small savings goals..
www.betterment.com
basically a manager of managers...
I am going to let it go for a year or so and see what happens.. They charge a small % but its a hands off approach for small savings goals..
Posted on 12/5/12 at 3:31 pm to bryso
I appreciate everyones comments. I would like to start placing about $1000.00 a month into some type of fund that I can enter into and out of as I choose. I put about $2000.00 a month into my retirement account which is a Vanguard fund and I have been happy with that so far. I have been doing this for about 3 years and all has been great.
Posted on 12/5/12 at 4:18 pm to BamaScoop
For that, I would recommend buying a STAR mutual fund (and open it through vanguard), as your core holding.
Posted on 12/5/12 at 6:31 pm to Siderophore
Thank you , I will look into that. I make good money but I studied science all the way through college and I amnot much of a financial minded person.
Posted on 12/5/12 at 10:39 pm to BamaScoop
I'd start with the Vanguard Health and S&P 500 mutual funds, both 4-Star: VGHCX and VFINX.
Here are some good 5-Star funds: VWINX (40%stock); VWELX (65% stock); and VDIGX, VDAIX, and VEIPX (all at or near 100% stock.
I have one Pimco 5-Star: PTCIX (0 stock).
Here are some good 5-Star funds: VWINX (40%stock); VWELX (65% stock); and VDIGX, VDAIX, and VEIPX (all at or near 100% stock.
I have one Pimco 5-Star: PTCIX (0 stock).
Posted on 12/5/12 at 10:46 pm to BamaScoop
The ones with low expense ratio
Posted on 12/5/12 at 10:54 pm to Paul Allen
Paul - I've always preached that. But one of the money guru's on the board (flask ?) pointed out that you look at the return, regardless of the expense. By far, Vanguard is the lowest expense. But Fidelity, T-Rowe and Pimco may have better returns in some segments.
This post was edited on 12/5/12 at 10:55 pm
Posted on 12/6/12 at 10:22 am to matthew25
I just looked at assetbuilder.com as suggested above. They are heavy on VIPSX, a 4-Star,that has zero stocks. I have some of this fund, and will buy more to lower exposure to stocks.
I always pick up info when reading this board. Now if someone could explain beta for me, and why VFSTX is rated "above average" risk!
I always pick up info when reading this board. Now if someone could explain beta for me, and why VFSTX is rated "above average" risk!
Posted on 12/6/12 at 11:11 am to matthew25
I would not put much weight in the "star system". That only looks backwards and not forwards. For example, if you look at ICMAX it is a 5 star fund. It used to be a great fund, then the manager left and it is pretty weak. Alls I am saying is, do not base your choices solely on morningstar "star" ratings.
Posted on 12/6/12 at 3:09 pm to Janky
Good point. What do you suggest to look at, going forward for a mutual fund?
I see some funds with Apple as 10% of its holdings, and I am wary. Low P/E which is in line for valuation at 1000, but it seems it only rises when a new product is introduced.
I see some funds with Apple as 10% of its holdings, and I am wary. Low P/E which is in line for valuation at 1000, but it seems it only rises when a new product is introduced.
Posted on 12/6/12 at 3:27 pm to matthew25
quote:
What do you suggest to look at, going forward for a mutual fund?
Some here don't agree with me, but I primarily look for older funds with stable track records. Assuming management hasn't changed I look and see how they performed in 2008 and the tech bubble. If they did well there then I look and see how much lag if any they experienced in the good years. I am not trying to hit homeruns, singles and doubles will do fine for me. Then depending on the type of fund I look at other things like beta and turnover. The last thing I look at is expenses. I will pay an extra 75bps for an extra 3% or more in returns.
As for as Apple goes, you will be hard pressed to find a Large Cap Growth fund that doesn't have a sizeable position. The overlap in large cap funds is pretty significant. Again, all of this is my opinion only and can be argued, in fact they probably will be.
Posted on 12/6/12 at 5:17 pm to matthew25
quote:
They are heavy on VIPSX, a 4-Star,that has zero stocks. I have some of this fund, and will buy more to lower exposure to stocks.
I would not buy that fund now. It has a negative real yield and duration on the long end of the intermediate term range. You definitely do not want to hold it in a taxable account as it is a major tax PITA as it pays out the inflation accruals. You would be better of buying I-bonds which are tax deferred, or buying a much shorter duration TIPS fund. Vanguard came out with one within the last 60-days, PIMCO has them and ETF versions, too, again not good for taxable accounts.
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