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Which of these Vanguard funds should I go with?
Posted on 12/26/14 at 10:32 am
Posted on 12/26/14 at 10:32 am
25 years old, I just opened a Vanguard Roth IRA. Starting on Jan 1, I plan to have an auto withdrawal of $455/month to go to whichever fund I end up choosing.
I've narrowed down my choices to:
VTSMX (Total stock market fund)
VFINX (Vanguard 500 Index)
VLACX (Large Cap Index)
Which would you roll with for someone my age, and is there really any big difference between the others?
I've narrowed down my choices to:
VTSMX (Total stock market fund)
VFINX (Vanguard 500 Index)
VLACX (Large Cap Index)
Which would you roll with for someone my age, and is there really any big difference between the others?
This post was edited on 12/26/14 at 10:52 am
6
Posted on 12/26/14 at 10:34 am to CrackingCodes
How old are you
Posted on 12/26/14 at 10:35 am to white perch
Thought I included that, forgot to put it in the OP- 25 yrs old
Posted on 12/26/14 at 10:39 am to CrackingCodes
You might get more responses if you put each fund's title and objective rather than just their symbols.
Most of us don't have funds' symbols memorized. I know I'm not going to look up those funds just to answer your question and I bet there are other posters who feel the same way.
Most of us don't have funds' symbols memorized. I know I'm not going to look up those funds just to answer your question and I bet there are other posters who feel the same way.
Posted on 12/26/14 at 10:52 am to LSURussian
My fault, edited the OP
Posted on 12/26/14 at 11:00 am to CrackingCodes
At your age I'd invest in more than one fund, small, mid, large, emerging, reit.
Posted on 12/26/14 at 11:02 am to CrackingCodes
Unless you have some other investments lurking somewhere I would just go with the VTTSX (Target Retirement 2060) fund. You want to diversify and not put 100% of your money in domestic stocks.
Posted on 12/26/14 at 11:05 am to chrisman17
quote:Sure but most Vanguard funds have a $3k minimum so they won't be able to allocate them in any real sense until they have a good five figures in there. That's why the Target funds are there, as a pre-diversified option.
At your age I'd invest in more than one fund, small, mid, large, emerging, reit.
This post was edited on 12/26/14 at 11:06 am
Posted on 12/26/14 at 11:20 am to CrackingCodes
I like the Total Stock Market Index fund but there is a lot of overlap with the 500 Index fund. I would be happy with either.
Posted on 12/26/14 at 11:32 am to CrackingCodes
Vttsx until you hit 10k. Then put some in the admiral 500 or total stock fund
Posted on 12/26/14 at 6:24 pm to CrackingCodes
Total Stock Market Fund. This provides all the diversity you need for the bulk of your U.S. holdings and will beat most of the higher priced managed funds in the long run.
Posted on 12/27/14 at 3:10 pm to LSURussian
Go Large Growth.
Posted on 12/27/14 at 3:58 pm to Coach Guidry
VOO
Posted on 12/28/14 at 4:54 am to white perch
If you plan to hold it a while, you might consider VGENX (Vanguard Energy Fund Investor Shares). That is where I am currently focusing my additional investing (Although I am pretty diversified in other funds also).
I like to get in on stuff while it is down, and while oil & gas might slide this year a bit more, I feel pretty good about it being a safe long term investment. I think the minimum is $3k though.
Take that with a grain of salt though, as I don't claim to be any sort of investing guru.
I like to get in on stuff while it is down, and while oil & gas might slide this year a bit more, I feel pretty good about it being a safe long term investment. I think the minimum is $3k though.
Take that with a grain of salt though, as I don't claim to be any sort of investing guru.
Posted on 12/28/14 at 8:20 am to jimbeam
What's the benefit of the admiral 500 vs investing in the a&up 500. On the vanguard page it looks like the s&p 500 has beaten the admiral 500 for every year they have data for.
Posted on 12/28/14 at 8:28 am to jammintiger
Much lower fees
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