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Conservative ETF and Mutual Fund Recommendations?
Posted on 8/5/21 at 7:25 pm
Posted on 8/5/21 at 7:25 pm
I just want to beat inflation. I’m a conservative investor and this would be in addition to the 12 month emergency fund I already have saved. Roth IRA and HSA are already maxed out and making decent contributions to 401K. Have a Vanguard brokerage account so looking at the Wellington fund (VWELX) and the Wellesley (VWINX). I figured actively managed may lead to a less bumpy ride. Would love any other suggestions you all may have.
6
Posted on 8/5/21 at 7:39 pm to Dale Gribble
FASMX its a 50/50 stock bond mutual fund fairly conservative or you could go FBALX which is 75 stock/ 25 bond. I personally go all FZROX but I wouldn’t advise that if you want more conservative
This post was edited on 8/5/21 at 7:42 pm
Posted on 8/5/21 at 7:50 pm to Dale Gribble
Read what Warren Buffet said about Vanguards S&P 500 Admiral shares fund, VFIAX. He advised to get in it and never get out.
Posted on 8/5/21 at 8:54 pm to Dale Gribble
Presuming this is money that is not intended for retirement and for short to mid-term use. You just don't want it to crash. I use Wellington for that very purpose.
Posted on 8/5/21 at 9:00 pm to SurfOrYak
I view it as medium term money. I already have more aggressive investments in my retirement accounts and a 12 month emergency fund in a savings account. Thanks for the input.
Posted on 8/5/21 at 9:38 pm to Dale Gribble
VOO and VT fam. Feel free to sub in VTI for VOO.
Posted on 8/5/21 at 10:03 pm to Dale Gribble
VTI, VOO, QQQ
Posted on 8/5/21 at 10:43 pm to Dale Gribble
QYLD if my fav ETF. Low risk, medium gain.
Posted on 8/5/21 at 11:08 pm to WDE24
VOO is 30% allocated to the tech sector and the top ten holdings make up 30% of the fund.
QQQ is nearly 100% allocated to tech (only because FB is classified as Comm services) and the top 10 holdings make up 50% of the fund.
I know the performance of these funds is great looking backwards. Past performance is not always indicative of future results. They are not well diversified. They are not conservative. I wish people would stop acting like throwing money in these is a no-brainer.
QQQ is nearly 100% allocated to tech (only because FB is classified as Comm services) and the top 10 holdings make up 50% of the fund.
I know the performance of these funds is great looking backwards. Past performance is not always indicative of future results. They are not well diversified. They are not conservative. I wish people would stop acting like throwing money in these is a no-brainer.
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