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Message
VTSMX vs RALSX
Posted on 11/6/14 at 5:49 pm
Posted on 11/6/14 at 5:49 pm
My current 401k allocates all of my assets to RALSX, but I've been reading that VTSMX is a much better option. Should I switch to VTSMX or stay where I am? Very inexperienced in investing, so any thoughts or advice are greatly appreciated. Thanks fellas.
1
Posted on 11/6/14 at 6:18 pm to Sum3rian
GREAT choice, move immediately.
vtsmx good
ralsx bad
frankly, RASLX is a terrible fund...for many reasons.
this being said, if the market crashes, VTSMX could fall more than RASLX. This doesn't mean RASLX is better in any way, it means that if you have a short term investment horizon, VTSMX may not be best for you, but in ANY case RASLX is terrible.
good luck
ETA: fixed RALSX link
vtsmx good
ralsx bad
frankly, RASLX is a terrible fund...for many reasons.
this being said, if the market crashes, VTSMX could fall more than RASLX. This doesn't mean RASLX is better in any way, it means that if you have a short term investment horizon, VTSMX may not be best for you, but in ANY case RASLX is terrible.
good luck
ETA: fixed RALSX link
This post was edited on 11/7/14 at 5:26 am
Posted on 11/6/14 at 6:25 pm to Ole War Skule
Wow thanks for the graph man. I'm 25, so it's definitely a long term investment. I thought we pay fees for a 401k because our money is managed for us. Why isn't it placed in the best fund? Unbelievable.
Posted on 11/6/14 at 6:57 pm to Sum3rian
I'm being trolled, aren't I 
Posted on 11/6/14 at 7:15 pm to Ole War Skule
nah man that's how ignorant I am on the subject. Switched over to VTSMX. Seems like a no brainer. Thanks again for your inputPosted on 11/6/14 at 7:27 pm to Sum3rian
If I'm not being trolled and you're serious, PLEASE don't make the move based on some wacko on an LSU message board. Read up on the fund, understand the risks, and make the decision. You could very easily lose 50% of a broad market fund just like people did in 08-09. It's always come back, but that doesn't mean it will next time.
good luck or good trolling, whichever applies
good luck or good trolling, whichever applies
Posted on 11/6/14 at 7:43 pm to Ole War Skule
I hear you. Just trying to make the best decision to grow my money man. Guess I should read up a bit more and maybe consult with an advisor before making a move. RALSX returns are just so pitiful. I feel like my 401k is a glorified savings account with an employer match. Any suggestions on something a little safer that VTSMX but with better returns than RALSX?
Posted on 11/6/14 at 8:29 pm to Sum3rian
You should take our advice with a grain since it's an internet message board. That being said, you're 25. You have plenty of time to recover if another 08-09 year occurs. It's shot up 9.2% over the last 3 weeks after the big dip we had a month ago. It will go up and down. If the total stock market doesn't recover from an occurrence like that, what can do? No one knows the future. I just converted my VTSMX into admiral shares (VTSAX). My plan is to branch out to bonds and other stuff after I build up a good chunk of VTSAX first.
This post was edited on 11/6/14 at 8:32 pm
Posted on 11/6/14 at 8:31 pm to Sum3rian
quote:
Any suggestions on something a little safer that VTSMX but with better returns than RALSX?
Take a look at balanced funds.
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