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Message
Vanguard's Healthcare fund - VGHCX
Posted on 5/12/15 at 12:02 pm
Posted on 5/12/15 at 12:02 pm
I'm paying off my student loans this month and will have about $6,000 available to add this fund to my IRA and start an IRA for my wife with the same fund as well.
I owe $11,950 on my car but that's at 0% interest, so I'm not overly concerned with paying that off early.
Next month I would add a target date fund to the wife's IRA (mine already has it) in order to diversify her IRA along with VGHCX.
Is this a good idea or are there better funds out there to use? Am I wrong in my thinking to add to my IRA and start one for my wife? We both have retirement with work but I want something in addition to that. Are there better things to do with the $6,000?
TIA!
I owe $11,950 on my car but that's at 0% interest, so I'm not overly concerned with paying that off early.
Next month I would add a target date fund to the wife's IRA (mine already has it) in order to diversify her IRA along with VGHCX.
Is this a good idea or are there better funds out there to use? Am I wrong in my thinking to add to my IRA and start one for my wife? We both have retirement with work but I want something in addition to that. Are there better things to do with the $6,000?
TIA!
2
Posted on 5/12/15 at 12:12 pm to TDsngumbo
quote:
Is this a good idea or are there better funds out there to use?
depends on what you want. I bought VGHCX 2-3 years ago and its done pretty well. I also bought the schwab health care ETF, forgot the symbol.
starting an IRA is a great way to start. And target date funds are good for newbs. They have some downsides, but good way to get diversification.
This post was edited on 5/12/15 at 12:14 pm
Posted on 5/12/15 at 12:16 pm to Hawkeye95
Can you buy PRHSX?
Posted on 5/12/15 at 11:37 pm to Janky
OP - the T.Rowe and Fidelity health care funds have done better than Vanguard.
I'll have to check out the Schwab ETF.
I'll have to check out the Schwab ETF.
Posted on 5/13/15 at 12:15 am to matthew25
quote:As long as biotech's stay at insane heights, they'll probably continue to do better too. IMO, Vanguard's is much safer than the Fidelity version. Just depends on how much risk you want, and how much you trust the biotech sector as a whole.
OP - the T.Rowe and Fidelity health care funds have done better than Vanguard.
Posted on 5/13/15 at 7:31 am to TDsngumbo
I have done very well with the vanguard healthcare fund. It's a good choice if you choose to do so.
Posted on 5/13/15 at 7:57 am to jturn17
quote:
As long as biotech's stay at insane heights, they'll probably continue to do better too. IMO, Vanguard's is much safer than the Fidelity version. Just depends on how much risk you want, and how much you trust the biotech sector as a whole.
As someone who works in Biotech, I can't believe people invest in it and stay sane
Posted on 5/13/15 at 8:24 am to matthew25
Post some comparisons. I'd like to see them. I'd definitely grab another healthcare fund if it warrants it.
Posted on 5/13/15 at 8:31 am to Fat Bastard
Posted on 5/13/15 at 8:35 am to Janky
The t Rowe fund is closing to new investors June 1....if anyone wants in, act fast.
Posted on 5/13/15 at 11:48 am to eye65
I'm looking now at the rankings of the top 10 healthcare mutual funds this year.
T Rowe price is number 1.
Janus 2
Fidelity 3 and 4 and 6
Franklin 5
Vanguard 7.
Prudential 8
Fidelity 9
Putnam 10
Damn fidelity has some biotech funds. Geez.
T Rowe price is number 1.
Janus 2
Fidelity 3 and 4 and 6
Franklin 5
Vanguard 7.
Prudential 8
Fidelity 9
Putnam 10
Damn fidelity has some biotech funds. Geez.
Posted on 5/14/15 at 7:38 pm to Fat Bastard
I think I will grab some of that T Rowe Price fund.
Posted on 5/14/15 at 8:10 pm to Fat Bastard
Good choice.
Posted on 5/15/15 at 11:30 am to Janky
Done.
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