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Can we talk Index Funds for a moment?
Posted on 2/17/25 at 10:08 am
Posted on 2/17/25 at 10:08 am
They are spoken of often, and I'm guessing that we're all in some, or several. I am.
As I continue to invest, am I putting it in the best place?
FWIW, I have some Fidelity Funds, VanGuard, Schwab, and probably others.
As I continue to invest, am I putting it in the best place?
FWIW, I have some Fidelity Funds, VanGuard, Schwab, and probably others.
12
Posted on 2/17/25 at 10:14 am to Grassy1
My go to is FXAIX
Posted on 2/17/25 at 10:17 am to TigerintheNO
VOO here.
Posted on 2/17/25 at 10:35 am to Grassy1
quote:That doesn't tell us much. You listed three companies that offer funds. You didn't tell us which funds you are actually in.
As I continue to invest, am I putting it in the best place?
FWIW, I have some Fidelity Funds, VanGuard, Schwab, and probably others.
Index funds are great if you make a ton of money or already have a ton of money. Favorites are QQQ (just the Nasdaq), SPY (just the S&P), and SCHB (the entire US market).
Posted on 2/17/25 at 10:48 am to Grassy1
VIGAX
Posted on 2/17/25 at 11:11 am to Grassy1
VTSAX has been one i've done for years, and don't see myself stopping anytime soon. Lots of other good ones though
Another I really like.
quote:
VIGAX
Another I really like.
This post was edited on 2/17/25 at 11:13 am
Posted on 2/17/25 at 11:15 am to bayoubengals88
quote:
Index funds are great if you make a ton of money or already have a ton of money.
Index funds are great no matter how much money you have or make. SPY has returned 10.5% annually since 1993.
Posted on 2/17/25 at 11:20 am to Grassy1
VTSAX and VWIGX.
Posted on 2/17/25 at 11:23 am to bayoubengals88
quote:
Index funds are great if you make a ton of money or already have a ton of money.
Name a better alternative for all investors?
Low cost broad index funds have been a win for everyone.
Posted on 2/17/25 at 11:25 am to Grassy1
COWG has been my top performing fund consistently
Posted on 2/17/25 at 11:53 am to UltimaParadox
quote:
Low cost broad index funds have been a win for everyone.
It's all I have in my 401k.
quote:
SPY has returned 10.5% annually since 1993.
That's the average return for an S&P index fund. I know that's an S&P fund, but for anyone that's dollar cost averaging over the long run and not trying to actively pick winners day in and day out, those funds are a no brainer.
Posted on 2/17/25 at 12:02 pm to CharlieTiger
quote:
It's all I have in my 401k.
My old 401k was VIGAX and I was very happy. The new 401k doesn't offer VIGAX and I had to choose JFIVX.
Posted on 2/17/25 at 12:05 pm to Grassy1
Index funds succeed in part due to low expenses and low turnover. If you searched through all the funds and ETF's over the very long term, you'd see that some active funds beat Index funds but they generally have those same characteristics.
The market for the last few years have favored a few giant cap growth stocks. Most of the growth in the market is due to just a few names. It looked like this in 1999. In markets like this, cap weighted index funds look brilliant.
If you buy an S&P 500 fund right now you will be putting 1/3rd of your money into stocks that many people are saying are overvalued. That is also true of some funds that have beaten the S&P over the long haul.
Even with these considerations, you are much more likely to have good results by regularly investing in an index fund than a lot of other approaches.
The market for the last few years have favored a few giant cap growth stocks. Most of the growth in the market is due to just a few names. It looked like this in 1999. In markets like this, cap weighted index funds look brilliant.
If you buy an S&P 500 fund right now you will be putting 1/3rd of your money into stocks that many people are saying are overvalued. That is also true of some funds that have beaten the S&P over the long haul.
Even with these considerations, you are much more likely to have good results by regularly investing in an index fund than a lot of other approaches.
Posted on 2/17/25 at 12:05 pm to Grassy1
VTSAX and chill
Posted on 2/17/25 at 12:13 pm to Grassy1
My main 4.
SCHG
VGT
SCHD
SCHX
SCHG
VGT
SCHD
SCHX
Posted on 2/17/25 at 12:49 pm to UltimaParadox
quote:It's just not good enough for what the average American is able to invest right now.
Low cost broad index funds have been a win for everyone.
If the average American makes 66,000 annually, do you think they are able to hit a Roth max or a 401k max? No, not anymore.
Posted on 2/17/25 at 1:02 pm to bayoubengals88
quote:
If the average American makes 66,000 annually, do you think they are able to hit a Roth max or a 401k max? No, not anymore.
Why do you have to max it? Just so something.
Starting at age 25, if you put only $200 per month in the S&P 500, you’d end up with about $1.3M at 65. No, you’re not getting rich doing that, but you’d have more than a lot of people.
Posted on 2/17/25 at 1:02 pm to bayoubengals88
quote:
It's just not good enough for what the average American is able to invest right now.
If the average American makes 66,000 annually, do you think they are able to hit a Roth max or a 401k max? No, not anymore.
If they save what they can over many years it is better than nothing. Even 5k a year compounded over 30 years is compounding closer to 600K. Plus most have access to employee matching which is a free 100% return on their money.
Even if you do not think it is good enough, there is no better alternative. Time and time again it is been shown to be the best path to making wealth.
What is a better alternative?
Posted on 2/17/25 at 1:08 pm to bayoubengals88
Voo, schg and qqqm in brokerage account. Add schd in traditional and Roth accounts.
Posted on 2/17/25 at 1:11 pm to bayoubengals88
I agree. If you're not making much money you should definitely be picking individual stocks to make up the difference.
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