- 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
Vanguard advice
Posted on 1/3/12 at 3:18 pm
Posted on 1/3/12 at 3:18 pm
After a month or two of consolidating all of my financial stuff, I made my final sale today (all of my shares of Janus Twenty JNTFX).
Once I get that check, I can start building my new portfolio on Vanguard. Some people recommend the target retirement funds, but I don't really like the idea of not having hardly any control.
Here is what I want to do.
1. Refill my emergency fund
2. Set up a "lazy portfolio" for my Roth IRA. Some examples are HERE and HERE
3. Invest in a few index funds or ETFs in my regular portfolio. I am only 25 so I don't need to be too conservative here but I would like to own a small amount of bonds. I can only go into maybe 2-3 index funds because of the high minimum investment. I know the difference between ETFs and index funds but with the free ETF trading through vanguard, does it make more since to stick to ETFs?
So now that I have completely set up my Vanguard account, what are some of yalls favorite funds? I have been looking at them one by one but it is a bit overwhelming.
Once I get that check, I can start building my new portfolio on Vanguard. Some people recommend the target retirement funds, but I don't really like the idea of not having hardly any control.
Here is what I want to do.
1. Refill my emergency fund
2. Set up a "lazy portfolio" for my Roth IRA. Some examples are HERE and HERE
3. Invest in a few index funds or ETFs in my regular portfolio. I am only 25 so I don't need to be too conservative here but I would like to own a small amount of bonds. I can only go into maybe 2-3 index funds because of the high minimum investment. I know the difference between ETFs and index funds but with the free ETF trading through vanguard, does it make more since to stick to ETFs?
So now that I have completely set up my Vanguard account, what are some of yalls favorite funds? I have been looking at them one by one but it is a bit overwhelming.
6
Posted on 1/3/12 at 3:27 pm to Azazello
Some of the ETFs that I have been looking at are
Vanguard Information Technology ETF (VGT)
Vanguard REIT ETF (VNQ)
Vanguard High Dividend Yield ETF (VYM)
Vanguard S&P 500 ETF (VOO)
Vanguard Information Technology ETF (VGT)
Vanguard REIT ETF (VNQ)
Vanguard High Dividend Yield ETF (VYM)
Vanguard S&P 500 ETF (VOO)
Posted on 1/3/12 at 3:57 pm to Azazello
maybe a little VWO or VEA
Posted on 1/3/12 at 4:09 pm to Azazello
VWINX if you want some bond exposure
Posted on 1/3/12 at 5:57 pm to LSUtoOmaha
I'm only planning on going about 10-15% of my money into bonds right now. I can't meet that $3,000 minimum.
What about some of the bond ETFs like BIV?
What about some of the bond ETFs like BIV?
Posted on 1/3/12 at 6:06 pm to Azazello
What would any of yall recommend for me?
I have $5,500 in a roth ira.
23 and have one more year of school and won't have any student loan debt. I want something that I don't need to check on all of the time.
I'm trying to put $2,500 minimum in a year. As it is right now, I don't have a job. Just living off of gi bill and school money.
I have $5,500 in a roth ira.
23 and have one more year of school and won't have any student loan debt. I want something that I don't need to check on all of the time.
I'm trying to put $2,500 minimum in a year. As it is right now, I don't have a job. Just living off of gi bill and school money.
Posted on 1/3/12 at 7:51 pm to Azazello
I saw Scott Burns Couch Potato portfolio in the mix. I used to enjoy his column when I lived in Dallas. He keeps it simple.
Posted on 1/3/12 at 8:00 pm to Azazello
quote:
Some people recommend the target retirement funds, but I don't really like the idea of not having hardly any control.
Understandable, but the whole rationale behind a target fund is that most people do worse than a target fund when they have control. They play around, they start thinking they can outguess the market, etc. when in fact they can't, at least not on average.
quote:
1. Refill my emergency fund 2. Set up a "lazy portfolio" for my Roth IRA.
Try this instead:
1) Make sure you have enough for a month or two of expenses. That is your emergency fund, no more. You don't need the standard "six months" because ...
2) You can withdraw what you put into your Roth without penalty at any time. So max your contributions. If something beyond run-of-the-mill happens where you need more than a month of expenses, you can pull it from the Roth where it's been getting tax-free returns.
Any profits you get in your Roth you can't withdraw so easily, but what you put in to begin with you can pull out and there is no penalty whatsoever beyond a little extra paperwork.
Posted on 1/3/12 at 8:19 pm to Azazello
janus 20???? wow. i made a killing in that fund back in the late 90's. i got over 100% return on my money invested in that fund. that was a great run.
i have the vanguard REIT mutual fund in my ROTH. i like it ...a lot.
take a look at the vanguard utilities ETF. i have that one in my brokerage account. i really like it so far.
i also like the health care fund as well as the high dividend yield index fund and the long term investment grade bond fund.
i have the vanguard REIT mutual fund in my ROTH. i like it ...a lot.
take a look at the vanguard utilities ETF. i have that one in my brokerage account. i really like it so far.
i also like the health care fund as well as the high dividend yield index fund and the long term investment grade bond fund.
This post was edited on 1/3/12 at 8:44 pm
Posted on 1/3/12 at 8:27 pm to Fat Bastard
anyone recommend a good growth mutual fund for Vanguard?
Posted on 1/3/12 at 9:28 pm to Fat Bastard
quote:
janus 20???? wow. i made a killing in that fund back in the late 90's. i got over 100% return on my money invested in that fund. that was a great run.
lucky. I've had it for years (dad put some $$ into it for me) but the expense ratio and the direction of the fund just isn't all that great. There are much better options these days.
Posted on 1/3/12 at 9:28 pm to foshizzle
quote:
foshizzle
I'm a big believer in lazy portfolios. The target funds just dont provide enough flexibility as opposed to having 4-6 ETFs. The only thing I would be doing in the IRA is adjusting my asset allocation. Set it and forget it
Posted on 1/3/12 at 10:39 pm to Double Oh
quote:
anyone recommend a good growth mutual fund for Vanguard?
VGENX Vanguard Energy mutual fund
Posted on 1/4/12 at 1:15 am to Azazello
I really liked vanguard when I played around in the market after I graduated in a few years ago and researched them a lot, including the famed Bogleheads forum. I just got back out of a second school stint and had to open an account with USAA because I can't reach the 3000 mins of vanguard now and they in fact have no mins(i bank with them, so its convenient for now)After I get some money together im jumping back in with vanguard. Just like them better for whatever reason.
This post was edited on 1/4/12 at 1:17 am
Posted on 1/4/12 at 8:54 am to Teddy Ruxpin
quote:
ahatta1
vanguard ETFs have no minimum and no trading fees
Posted on 1/4/12 at 11:50 am to Azazello
quote:
The target funds just dont provide enough flexibility
I never have been a fan of target funds.
Posted on 1/4/12 at 11:55 am to Azazello
quote:
lucky. I've had it for years (dad put some $$ into it for me) but the expense ratio and the direction of the fund just isn't all that great. There are much better options these days.
well, maybe, maybe not. At that point in time during the bull market it was fairly easy to jump in a fund earning from 25% to 40% returns. some were even better giving 50% and 60% returns. One I believe was PBHG growth if i recall correctly. Janus, at that time had some real good funds and very good management, and the twenty was one i really liked. The NAV more than doubled from the time i entered. of course i pulled out once the market started going down. That was a fund for the short term for me. I never intended that one to be a long term hold.
yes, i glanced at some prospectuses from Janus the other day and they do not seem as good, IMO, as before in a couple different ways regardless of market conditions.
This post was edited on 1/4/12 at 11:59 am
Posted on 1/4/12 at 12:08 pm to LSUtoOmaha
I have a good bit VWINX now...love it, but planning on moving out of it within the next year or so depending what the bond market does....
I don't like the target funds.
Mostly positive experience with Vanguard.
I don't like the target funds.
Mostly positive experience with Vanguard.
This post was edited on 1/4/12 at 12:16 pm
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News