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Question about Vanguard funds
Posted on 3/3/15 at 9:17 am
Posted on 3/3/15 at 9:17 am
I opened an IRA with them last year, and threw all $5,500 into VASGX, which is 80% stocks.
I did this because I did a quick questionnaire with their site and it told me that was the fund to invest in. Being new and inexperienced, I just went with that. I'm realizing now that I want funds with more invested in stocks. Being 24, I'm not going to touch this for awhile so I'd like a fund in the upper 90's % of stock.
I know this is a dumb, stupid question but I cannot seem to find a portfolio analysis through Vanguard that lists the asset mix of their funds. I want to invest in VTSMX, but want to see it's portfolio breakdown first. How can I access this?
Or better yet, what are some funds that are almost 100% stocks?
I did this because I did a quick questionnaire with their site and it told me that was the fund to invest in. Being new and inexperienced, I just went with that. I'm realizing now that I want funds with more invested in stocks. Being 24, I'm not going to touch this for awhile so I'd like a fund in the upper 90's % of stock.
I know this is a dumb, stupid question but I cannot seem to find a portfolio analysis through Vanguard that lists the asset mix of their funds. I want to invest in VTSMX, but want to see it's portfolio breakdown first. How can I access this?
Or better yet, what are some funds that are almost 100% stocks?
7
Posted on 3/3/15 at 9:44 am to Tigerfan56
VWUSX, It's only a $3k minimum. I believe it is 100% large cap stocks.
There's others if you want a combo of small, med and large but the buy ins are usually higher.
There's others if you want a combo of small, med and large but the buy ins are usually higher.
Posted on 3/3/15 at 9:45 am to Tigerfan56
The vanguard website will have the shareholder report for every fund they have in their research section.
Posted on 3/3/15 at 10:00 am to GoIrish02
Posted on 3/3/15 at 10:34 am to Tigerfan56
I have money right now in vot. Up about 7% since the first of the year. It's a mid cap etf. I compared it with other etfs in Google finance and I liked its performance. I can't see myself ever buying a single stock again
I see it pulling back in the next week or two rhough
I see it pulling back in the next week or two rhough
Posted on 3/3/15 at 10:36 am to Tigerfan56
I was gonna pose the same question today. I'm 25 and a 65/35 split that my Wellington fund has just isn't enough for me.
This post was edited on 3/3/15 at 10:44 am
Posted on 3/3/15 at 10:41 am to wizard of smart
quote:
I can't see myself ever buying a single stock again
Why not in a bull market like this?
You can get yearly returns between 10-20% right now and to me the risk isn't that high.
If oil comes back, it could drive things even higher.
Posted on 3/3/15 at 11:04 am to Tigerfan56
I just got my shareholder's report for VTSMX. Here's a breakdown of the Top 10 stocks
Apple Inc. Computer Hardware 2.8%
Exxon Mobil Corp. Integrated Oil & Gas 1.7
Microsoft Corp. Software 1.5
Google Inc. Internet 1.3
Johnson & Johnson Pharmaceuticals 1.3
Wells Fargo & Co. Banks 1.3
Berkshire Hathaway Inc. Reinsurance 1.2
General Electric Co. Diversified Industrials 1.1
Procter & Gamble Co. Nondurable
Household Products 1.1
JPMorgan Chase & Co. Banks 1.0
Top Ten 14.3%
Apple Inc. Computer Hardware 2.8%
Exxon Mobil Corp. Integrated Oil & Gas 1.7
Microsoft Corp. Software 1.5
Google Inc. Internet 1.3
Johnson & Johnson Pharmaceuticals 1.3
Wells Fargo & Co. Banks 1.3
Berkshire Hathaway Inc. Reinsurance 1.2
General Electric Co. Diversified Industrials 1.1
Procter & Gamble Co. Nondurable
Household Products 1.1
JPMorgan Chase & Co. Banks 1.0
Top Ten 14.3%
Posted on 3/3/15 at 12:09 pm to UMRealist
Wellingtons fee is higher than others also
Posted on 3/3/15 at 12:16 pm to UMRealist
Wait until the market takes another dip and see how you feel about Wellington then, compared to VTSMX. For a tax advantaged account, Wellington is very attractive.
Posted on 3/3/15 at 5:33 pm to Sigma
quote:
VTSMX
That is a good one, ETF symbol VTI.
True, the more balanced funds like Wellington will not go down as much when the market goes south but there is a price to be paid on the upside.
For someone in their 20s, they should be as much in equities as they feel comfortable (up to 100% for a retirement account). We are currently in a secular bull market, this is not a time for the young to be in bonds (for retirement type accounts) IMO.
Posted on 3/3/15 at 8:38 pm to CajunTiger92
True, I agree, but half the battle is staying invested in downturns. A lot of people don't have the stomach to be 100% equities. If 30-40% bonds keeps them in the game, then it's a better choice for them.
The math can even favor balanced funds periodically. It all depends.
The math can even favor balanced funds periodically. It all depends.
Posted on 3/3/15 at 9:23 pm to Sigma
Wellington is for old people who can't afford risk.
Youngsters need to be in high dividend - VHDYX and the health care fund - VGHCX
Youngsters need to be in high dividend - VHDYX and the health care fund - VGHCX
Posted on 3/3/15 at 9:31 pm to Civildawg
Wellington's expense fee is .26.
What beats that?
What beats that?
Posted on 3/3/15 at 10:22 pm to Sigma
Well an investor needs to be able to sleep at night that's for sure. They should have the allocation that suits their stomach.
For a secular bull market and someone in their 20s that has money that won't be touched for 40 years, they should know putting money in a low cost broad market index fund makes more money than a balanced fund.
Things change if in a secular bear market. Then capital preservation is the goal and a more cautious approach is appropriate.
For a secular bull market and someone in their 20s that has money that won't be touched for 40 years, they should know putting money in a low cost broad market index fund makes more money than a balanced fund.
Things change if in a secular bear market. Then capital preservation is the goal and a more cautious approach is appropriate.
Posted on 3/3/15 at 10:23 pm to matthew25
quote:
Wellington's expense fee is .26.
What beats that?
I'm 100% into VTSAX at .05%, for one
Posted on 3/3/15 at 10:51 pm to Tigerfan56
Vti
Posted on 3/5/15 at 8:16 pm to Joshjrn
quote:
I'm 100% into VTSAX at .05%, for one
So is this one basically the same as VTSMX but the minimum is $10,000 and the fees are lower?
I want to start an IRA with this, so I guess I have to start with VTSMX since you can only do $5,500 a year? And then when the balance gets to $10k I can move it I guess
VBIAX or VTSAX for an IRA, anyone have an opinion?
Posted on 3/5/15 at 10:08 pm to Tigerfan56
The Vanguard website has all of this information. Click on the fund and it will have a detailed analysis of this information. Just buy the Total Stock Marker fund or even the S&P 500 fund, then put an additional 10% or whatever % you feel comfortable with in a bond fund. GNMA has been very good over the years although it can get clobbered if interest rates rise.
This post was edited on 3/6/15 at 4:20 pm
Posted on 3/5/15 at 10:21 pm to Joshjrn
Josh, Wellington and VTSAX are apples and BMW's.
Wellington is suited for old people, as it is 60% stock and 40% bonds (mol). Average risk.
VTSAX is 99% stock. Higher risk. Suitable for the younger crowd.
Both are excellent. If I were younger, VTSAX would be in my portfolio. But I always prefer VHYDX and VGHCA for anyone in their 20's and mid-30's. VEIPX, VDAIX (Buffett clone) and VDIGX are also good.
Youngsters don't need a cushion of bonds.
Wellington is suited for old people, as it is 60% stock and 40% bonds (mol). Average risk.
VTSAX is 99% stock. Higher risk. Suitable for the younger crowd.
Both are excellent. If I were younger, VTSAX would be in my portfolio. But I always prefer VHYDX and VGHCA for anyone in their 20's and mid-30's. VEIPX, VDAIX (Buffett clone) and VDIGX are also good.
Youngsters don't need a cushion of bonds.
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