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Vanguard index fund
Posted on 10/21/14 at 9:03 am
Posted on 10/21/14 at 9:03 am
Potential young investor here looking to get my feet wet in the stock market. I've done some research into vanguard funds and it seems that this is a pretty safe option that yields solid returns. What are you guys' opinions of index funds? Should I be nervous about the minimum 3k deposit? Again, I'm really green when it comes to the stock market, so any advice from experienced investors is much appreciated. Thanks fellas.
10
Posted on 10/21/14 at 9:25 am to Sum3rian
A lot of people here seem to really like Wellesley Income Fund (VWINX) as a relatively safe one stop fund.
Open a Roth, buy VWINX and let it sit.
Open a Roth, buy VWINX and let it sit.
Posted on 10/21/14 at 11:00 am to Sum3rian
VTSMX, then when you hit 10k, switch to VTSAX.
Posted on 10/21/14 at 11:11 am to Joshjrn
That's about as easy as it gets
Posted on 10/21/14 at 11:37 am to Sum3rian
If I could go back in time, knowing what i know now, I would have put all in the vanguard total stock index fund and vanguard total bond index fund. probably 80/20 split at first. Or, for the lazy man, all in the vanguard balanced index fund, they keep the stock/bond split at 60/40. With the low cost of vanguard, you keep more. In thirty years, the low cost savings begin to compound phenominally. own the whole market instead of trying to 'beat it'. Read some of the founder's books by John bogle.
This post was edited on 10/21/14 at 11:42 am
Posted on 10/21/14 at 12:11 pm to Sum3rian
I'm young (finished college in May) & not exactly a savvy investor, but I have 50% of my Roth in VIMAX and the other half in VTSAX.
As mentioned above, the 0.05% expense ratio in VTSAX is huge once you have access to their admiral shares.
As mentioned above, the 0.05% expense ratio in VTSAX is huge once you have access to their admiral shares.
This post was edited on 10/21/14 at 12:13 pm
Posted on 10/21/14 at 1:00 pm to Sum3rian
quote:
Will tell you a lot of what you need to know if you're really interested.
Great advice. That book is easy to understand and gives you everything you need to know about mutual fund investing. Especially the value of index funds.
Posted on 10/21/14 at 2:20 pm to Sum3rian
Anyone recommend VFINX? Seems like it's not mentioned much on here.
Posted on 10/21/14 at 2:52 pm to Sum3rian
quote:
VTSAX
Posted on 10/21/14 at 3:30 pm to StringedInstruments
the original and still excellent index fund....
Posted on 10/21/14 at 3:36 pm to StringedInstruments
quote:
Anyone recommend VFINX? Seems like it's not mentioned much on here.
It's a good fund. Plenty of people who like to weight their portfolios toward large caps (or de-weight, for that matter) use VFINX alongside other separate mid and small cap funds.
Other people prefer the full market coverage in a single fund, and go with VTSMX.
Posted on 10/21/14 at 3:52 pm to Sigma
Do you think it's worth splitting between VIMAX & VTSAX to take some extra risk while I'm only 23 or should I just move it all into VTSAX?
Posted on 10/21/14 at 5:16 pm to Louie T
Put it all in one until you qualify for admiral shares (10k)
Posted on 10/21/14 at 5:18 pm to Venelar
This
Posted on 10/21/14 at 6:24 pm to Venelar
VIMAX and VTSAX are both admiral - 0.09% and 0.05% expense ratios respectively.
Posted on 10/21/14 at 6:28 pm to Louie T
If you're young, I'd recommend Vanguard Small Caps.. Though small caps have greater risk and volatility, they have easily had better returns compared to mid and large caps.
This post was edited on 10/21/14 at 6:30 pm
Posted on 10/21/14 at 6:35 pm to wpsnickers
Any in particular? VSGAX, VSIAX, or VSMAX look like the popular choices.
Posted on 10/21/14 at 6:36 pm to Sigma
I'm an ETF guy myself. Makes it more fun.
Posted on 10/21/14 at 7:37 pm to Louie T
quote:
Do you think it's worth splitting between VIMAX & VTSAX to take some extra risk while I'm only 23 or should I just move it all into VTSAX?
Well if we're splitting hairs, VTSAX holds small caps, so you have some overlap there. If you wanted to split it up you'd want VFIAX + VEXAX (small/mid combo fund).
With two funds you can take advantage of price swings and rebalancing. Plus if these are not retirement accounts, and if you need to withdraw, you can pull from the fund that's down. Little stuff like that won't matter much until you get significant money in there, so it just depends on how much you want to monitor it.
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