Good ETF or Vanguard fund suggestion... | TigerDroppings.com

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BamaScoop
Alabama Fan
Panama City, Florida
Member since May 2007
33147 posts

Good ETF or Vanguard fund suggestion...


...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







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Maniac979
LSU Fan
The Great State of Texas
Member since Jan 2012
400 posts

re: Good ETF or Vanguard fund suggestion...


(no message)


This post was edited on 1/2 at 1:44 pm


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Siderophore
LSU Fan
Member since Nov 2010
3334 posts

re: Good ETF or Vanguard fund suggestion...


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.






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Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
17186 posts

re: Good ETF or Vanguard fund suggestion...


My Vanguard ETF portfolio holds:

VTI
VEA
VWO
VSS
BND

Just for some ideas. (I'll also take comments on it)



This post was edited on 12/5 at 10:32 am


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Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
17186 posts

re: Good ETF or Vanguard fund suggestion...


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.






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Siderophore
LSU Fan
Member since Nov 2010
3334 posts

re: Good ETF or Vanguard fund suggestion...


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.



This post was edited on 12/5 at 10:54 am


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Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
17186 posts

re: Good ETF or Vanguard fund suggestion...


quote:

So I don't know what this Bogle is.


The guy who started Vanguard.

And I got you. Was just wondering.






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Siderophore
LSU Fan
Member since Nov 2010
3334 posts

re: Good ETF or Vanguard fund suggestion...


Lol the way you phrased it, it seemed like it was some program for getting vanguard ETF/funds from another broker.





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bryso
Clemson Fan
The Real Death Valley
Member since Dec 2006
27046 posts

re: Good ETF or Vanguard fund suggestion...


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..







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BamaScoop
Alabama Fan
Panama City, Florida
Member since May 2007
33147 posts

re: Good ETF or Vanguard fund suggestion...


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.





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Siderophore
LSU Fan
Member since Nov 2010
3334 posts

re: Good ETF or Vanguard fund suggestion...


For that, I would recommend buying a STAR mutual fund (and open it through vanguard), as your core holding.





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BamaScoop
Alabama Fan
Panama City, Florida
Member since May 2007
33147 posts

re: Good ETF or Vanguard fund suggestion...


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.





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matthew25
Ole Miss Fan
Member since Jun 2012
3285 posts

re: Good ETF or Vanguard fund suggestion...


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).






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Paul Allen
USA Fan
Baton Rouge, LA
Member since Nov 2007
26697 posts

re: Good ETF or Vanguard fund suggestion...


The ones with low expense ratio





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matthew25
Ole Miss Fan
Member since Jun 2012
3285 posts

re: Good ETF or Vanguard fund suggestion...


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 at 10:55 pm


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matthew25
Ole Miss Fan
Member since Jun 2012
3285 posts

re: Good ETF or Vanguard fund suggestion...


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!






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Janky
LSU Fan
Team Primo
Member since Jun 2011
5818 posts

re: Good ETF or Vanguard fund suggestion...


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.





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matthew25
Ole Miss Fan
Member since Jun 2012
3285 posts

re: Good ETF or Vanguard fund suggestion...


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.






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Janky
LSU Fan
Team Primo
Member since Jun 2011
5818 posts

re: Good ETF or Vanguard fund suggestion...


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.






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tirebiter
LSU Fan
ATL
Member since Oct 2006
5053 posts

re: Good ETF or Vanguard fund suggestion...



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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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