- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Thoughts on the Vanguard Target Retirement 2045 Fund (VTIVX)
Posted on 8/17/11 at 9:53 am
Posted on 8/17/11 at 9:53 am
I'm trying to reposition most of my money in my IRA into a diversified mutual fund. I have a small amount in this fund right now. I've been playing around with ETF's and that's where the bulk of this fund's cash is housed. But now, I'm tired of playing around with it and just want to park a good portion in a good long term performing mutual fund. I purchased VTIVX a few months back just to see how it was. So, I wanted the MT thoughts on this fund as well as suggestions on others I can look into, preferrable Vanguard but I'm open to others if they are good long term funds.
4
Posted on 8/17/11 at 10:02 am to Hammond Tiger Fan
I have my IRA in that one exactly. It's down a good bit now so good time to get in. (as everything else is too) 
Posted on 8/17/11 at 10:36 am to Hammond Tiger Fan
Definitely a good fund for my age group ... the 25to30-year old crowd. great/simple/easy place to stash the bulk of your retirement savings
I approve.
I approve.
Posted on 8/17/11 at 12:04 pm to JPLSU1981
Probably the best choice if you don't want to manage your own finances.
If you hire an FA and he puts you in it, kick him in the throat then take your money elsewhere.
If you look at your portfolio monthly, or more often, you can probably do better on your own by reading a few books.
If you hire an FA and he puts you in it, kick him in the throat then take your money elsewhere.
If you look at your portfolio monthly, or more often, you can probably do better on your own by reading a few books.
Posted on 8/17/11 at 12:30 pm to TheHiddenFlask
Some good core holdings are PRPFX, HSTRX, GLRBX.
Posted on 8/17/11 at 9:51 pm to saint308
I just bought some of the 2050 fund last week.
Posted on 8/17/11 at 11:10 pm to urinetrouble
My biggest beef with these is the amount of fees hidden by layering. It looks like a low cost fund, but in reality, is incurring notable fees by it's sub investments.
Posted on 8/18/11 at 12:03 am to Hammond Tiger Fan
I'm in that fund now...it is a good choice especially if you don't have the time to manage that sort of thing on your own.
This post was edited on 8/18/11 at 12:04 am
Posted on 8/18/11 at 7:06 am to dewster
whats the difference between the different vanguard targets (2040, 2045, 2035 & 2050)? Would it be better to have all of my 401k contributions going into one of these rather than 4 different ones?
This post was edited on 8/18/11 at 7:07 am
Posted on 8/18/11 at 8:28 am to onelochevy
The 2040 and later ones are heavier into stocks now, and in about 15 years starts shifting into corporate bonds and US treasuries. The different funds are managed with those different targets in mind.
I haven't been working long enough to accumulate that much money yet, but I have some in the 2050 for longer term and VWINX for medium term....and I manage most short term investments personally the same way you probably do.
I haven't been working long enough to accumulate that much money yet, but I have some in the 2050 for longer term and VWINX for medium term....and I manage most short term investments personally the same way you probably do.
This post was edited on 8/18/11 at 8:32 am
Posted on 8/18/11 at 7:01 pm to TheHiddenFlask
quote:
My biggest beef with these is the amount of fees hidden by layering. It looks like a low cost fund, but in reality, is incurring notable fees by it's sub investments.
What fees? The expense ratio of the target date fund is just a weighted expense ratio of the funds within the the fund. So, you aren't really paying for rebalancing and the changing asset allocation with the course of time.
Posted on 8/18/11 at 7:15 pm to TheHiddenFlask
quote:
My biggest beef with these is the amount of fees hidden by layering. It looks like a low cost fund, but in reality, is incurring notable fees by it's sub investments.
Posted on 8/18/11 at 9:32 pm to Hammond Tiger Fan
i am not a big fan of these types of funds mainly because I manage my own portfolio. It may be right for you though if you do not have the time.
This post was edited on 8/19/11 at 6:18 am
Posted on 8/19/11 at 2:04 pm to Fat Bastard
you pay Vanguard $25/fund/year to manage these funds, so the more funds you're in the higher the fees, as simple as that
Posted on 8/19/11 at 2:06 pm to onelochevy
quote:
whats the difference between the different vanguard targets (2040, 2045, 2035 & 2050)? Would it be better to have all of my 401k contributions going into one of these rather than 4 different ones?
Just pick the one that is closest to your target retirement date and put it all in that one. They diversify for you.
Posted on 8/19/11 at 2:09 pm to urinetrouble
quote:
What fees? The expense ratio of the target date fund is just a weighted expense ratio of the funds within the the fund. So, you aren't really paying for rebalancing and the changing asset allocation with the course of time.
Really
I looked at the fees of some of the underlying funds in the 2050 fund and they were considerably higher than the listed fee. If what you say is true, I might switch my IRA to 50% that and 25% foreign large cap and emerging small cap.
Posted on 8/19/11 at 5:24 pm to purpgoldblood
quote:
you pay Vanguard $25/fund/year to manage these funds, so the more funds you're in the higher the fees, as simple as that
link???
i pay no annual fees on my roth. vanguards expense ratios are very good and much cheaper than many other fund families.
This post was edited on 8/19/11 at 5:27 pm
Posted on 8/19/11 at 5:51 pm to TheHiddenFlask
so what are the fees for these funds? Can I include several funds and pay the same amt?
Posted on 8/19/11 at 6:37 pm to purpgoldblood
quote:
you pay Vanguard $25/fund/year to manage these funds, so the more funds you're in the higher the fees, as simple as that
I am pretty sure any account maintenance fees are waived if you opt to receive electronic statements.
Posted on 8/19/11 at 6:39 pm to TheHiddenFlask
quote:
Really
I looked at the fees of some of the underlying funds in the 2050 fund and they were considerably higher than the listed fee. If what you say is true, I might switch my IRA to 50% that and 25% foreign large cap and emerging small cap.
I called Vanguard to ask the question before I bought recently.
Page 1 of 3
Popular
Back to top
Follow TigerDroppings for LSU Football News