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Started By
Message
2
Posted on 1/27/16 at 9:21 am to Brettesaurus Rex
Finally got this all rolled over and ready to decide where to put the funds. I'm right at over 10k sitting in the settlement fund. I really like the idea of the total stock market admiral fund with the low expense ration. And seems like since it covers a lot of different areas it's a good one to start off. Any worries I should have (obviously besides the general downturn right now) in dumping the 10k into this fund? I'm 25 now and I know the general advice is to go nearly 100% stocks at this point.
It seems like this is billed as their "go to all in one stock diversification option." If not any others?
It seems like this is billed as their "go to all in one stock diversification option." If not any others?
This post was edited on 1/27/16 at 9:27 am
Posted on 1/27/16 at 9:31 am to Brettesaurus Rex
I would pass on the admiral shares to get some international diversification. Just my opinion though.
Posted on 1/27/16 at 9:42 am to Janky
This isn't my only plan. After this is settled I plan on leaving it be and I'm going with a Roth and plan to look at getting some international mix there as well. This is more of a first step.
Posted on 1/27/16 at 9:46 am to Brettesaurus Rex
ok
Posted on 1/27/16 at 9:55 am to Janky
I'm certainly open to other options, I thought getting in right away with the low expense ratio was a good way to go. What are some good funds I can check out to diversify it further? I could probably go some VTSMX and then some other international options
Posted on 1/27/16 at 10:08 am to Brettesaurus Rex
This question is for anyone. It's probably stupid as well.
If I start a Vanguard IRA and pick, let's say, 4 funds (each with $3,000 minimum). Does that mean I need $12,000 to start it?
And if that's the case, is it best to just put it in something like Vanguard Total Stock Market mutual fund and then adjust the funds once you get to $12,000?
If I start a Vanguard IRA and pick, let's say, 4 funds (each with $3,000 minimum). Does that mean I need $12,000 to start it?
And if that's the case, is it best to just put it in something like Vanguard Total Stock Market mutual fund and then adjust the funds once you get to $12,000?
This post was edited on 1/27/16 at 10:09 am
Posted on 1/27/16 at 2:20 pm to bwallcubfan
I'm wondering if I should go 3000 to each of the Vanguard total stock market funds instead of all 10k into the admiral shares:
3k Domestic
3k International
3k Global.
And then 1k into the 2055 target retirement fund
All would have about triple the expense ratio though.
Would cover all bases. This is the traditional Roth I plan on sort of let sit and keeping an eye on. Going forward I'll be opening a Roth to actively contribute to over this one.
3k Domestic
3k International
3k Global.
And then 1k into the 2055 target retirement fund
All would have about triple the expense ratio though.
Would cover all bases. This is the traditional Roth I plan on sort of let sit and keeping an eye on. Going forward I'll be opening a Roth to actively contribute to over this one.
This post was edited on 1/27/16 at 2:28 pm
Posted on 1/27/16 at 6:19 pm to bwallcubfan
I guess nobody is helping us out bro 
I'm actually wondering if I shouldn't put some of this 10k into the total bond fund. to diversify even further.
I'm actually wondering if I shouldn't put some of this 10k into the total bond fund. to diversify even further.
This post was edited on 1/27/16 at 6:32 pm
Posted on 1/28/16 at 10:32 am to Brettesaurus Rex
quote:
I guess nobody is helping us out bro
I'll probably just end up doing a target date fund. Those are simple for guys like me.
Posted on 1/28/16 at 10:47 am to Brettesaurus Rex
Bogle has said that he sees the US stocks doing better in the coming years. So maybe go with VTSAX
Posted on 1/28/16 at 11:30 am to jimbeam
Thanks 
Posted on 1/28/16 at 11:36 am to Brettesaurus Rex
I am not liable for anything! he had his yearly interview or whatever and had said that. It's on YouTube I believe
he had his yearly interview or whatever and had said that. It's on YouTube I believe This post was edited on 1/28/16 at 11:37 am
Posted on 1/28/16 at 12:10 pm to jimbeam
Just know that on this day 1/28/16 I put my entire family's trust in you jimbeam.
That's the main one I had been thinking about getting into from the get go, I just didn't want to jump on the first thing I saw. A lot of the mixed funds had at least 40-60% of that specific stock fund already.
For now of the 10k I went VTSMX 60%, VGTSX (international stock index) 30%, and I'm going to use the other 10% on some other individual stock/ETFs. Hopefully that will be diversify enough and get me off to a good start. I'm 25 and everything I read said this early I need to go pretty much 100% stocks at this point.
That's the main one I had been thinking about getting into from the get go, I just didn't want to jump on the first thing I saw. A lot of the mixed funds had at least 40-60% of that specific stock fund already.
For now of the 10k I went VTSMX 60%, VGTSX (international stock index) 30%, and I'm going to use the other 10% on some other individual stock/ETFs. Hopefully that will be diversify enough and get me off to a good start. I'm 25 and everything I read said this early I need to go pretty much 100% stocks at this point.
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