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Help Pick Funds for 529 Plan
Posted on 2/15/17 at 12:56 pm
Posted on 2/15/17 at 12:56 pm
Opening a LA Start 529 account for my daughter. I have 12 years to invest, she is currently 6. I am looking to pick 3-5 of these and invest $100/month
VASIX
VSCGX
VSMGX
VASGX
VTWSX
VTSNX
VITPX
VSMAX
VIMAX
VLCAX
VASIX
VSCGX
VSMGX
VASGX
VTWSX
VTSNX
VITPX
VSMAX
VIMAX
VLCAX
2
Posted on 2/15/17 at 1:19 pm to ThatsAFactJack
VFINX
Very low expense ratio and just tracks the S&P 500.
Very low expense ratio and just tracks the S&P 500.
Posted on 2/15/17 at 1:28 pm to NYNolaguy1
Time in the market better than timing the market & all that but...
S&P500 just feels inflated right now. I'm having a hard time taking the plunge.
S&P500 just feels inflated right now. I'm having a hard time taking the plunge.
Posted on 2/15/17 at 1:36 pm to Wind
the word 'feels' is not your friend when it comes to investing. If you are in for the long haul who gives a crap if it corrects soon. Actually at that point be happy because now you are buying on sale or so it 'feels'. The main thing is do not focus on what the market may or may not do, but on saving money before you spend it.
Posted on 2/15/17 at 1:54 pm to NYNolaguy1
Posted on 2/15/17 at 2:14 pm to ThatsAFactJack
I've been in VASGX since October 2014 and not sure I can recommend it, although it came recommended to me. It has been quick to give back and slow to gain.
Posted on 2/15/17 at 2:26 pm to ThatsAFactJack
VITPX
.02% expense ratio, own the whole US market, move on with your life.
.02% expense ratio, own the whole US market, move on with your life.
Posted on 2/15/17 at 3:10 pm to stonerolledaway
quote:
VITPX
Yeah I stayed in this for about 7 years at 100% and then shifted 75% over to an aggressive age-based fund.
I'm about to start some accounts for my other two kids and will probably put it all in VITPX for the younger, and 50/50 VITPX/Aggressive age-based for the other.
ETA: I've been satisfied with the returns.
This post was edited on 2/15/17 at 3:11 pm
Posted on 2/16/17 at 9:39 am to meeple
If you were 100% in VITPX, that is aggressive being 100% in stocks. Not sure what 'aggressive age-based' fund means but if it is not an index fund it probably has higher expense ratio and other costs trying to be 'aggressive'.
This post was edited on 2/16/17 at 9:40 am
Posted on 2/16/17 at 2:22 pm to stonerolledaway
I went with the following 3:
VITPX 70% .02% expense ratio 12.77% 2016 return
VSMAX 15% .08 expense ratio 18.30% 2016 return
VIMAX 15% .08 expense ratio 11.22% 2016 return
VITPX 70% .02% expense ratio 12.77% 2016 return
VSMAX 15% .08 expense ratio 18.30% 2016 return
VIMAX 15% .08 expense ratio 11.22% 2016 return
Posted on 2/17/17 at 8:58 am to ThatsAFactJack
With the Coverdale plan (529, also known as the Roth education plan) you can pick your individual stocks.
Posted on 2/17/17 at 10:12 am to Jp1LSU
quote:
With the Coverdale plan (529, also known as the Roth education plan) you can pick your individual stocks.
My apologies for not being clear in the OP. I am using the LA Start Plan which only allows the funds I linked earlier. They provide a contribution enhancement. As a single dad I qualify for 9% because my AGI is slightly below $59,999 threshold. They contribute 9% of whatever my total contribution for the year is. Hard to beat that type of performance.
This post was edited on 2/17/17 at 10:15 am
Posted on 2/18/17 at 12:05 am to stonerolledaway
quote:
If you were 100% in VITPX, that is aggressive being 100% in stocks. Not sure what 'aggressive age-based' fund means but if it is not an index fund it probably has higher expense ratio and other costs trying to be 'aggressive'.
VITPX has served me well. Regarding the age based fund, it has an ER of 0.15%. That seems high. Should I look at moving this to other funds?
Posted on 2/18/17 at 7:33 pm to meeple
VITPX is a total stock market index fund. there really is no need for other stock funds since it captures the entire stock market return minus the low expense ratio. The only other funds would be a bond index fund. I currently have about 60% stock and 40% bond and probably will keep that allocation for life.
Posted on 2/19/17 at 12:41 am to ThatsAFactJack
quote:
They contribute 9% of whatever my total contribution for the year is. Hard to beat
Posted on 3/2/17 at 10:10 am to stonerolledaway
quote:
The only other funds would be a bond index fund. I currently have about 60% stock and 40% bond and probably will keep that allocation for life.
What fund is this within the LA START options? The only thing close to it that I see is the "Louisiana Principal Protection Fund."
quote:
Louisiana Principal Protection Fund: This fund is the most conservative START Saving Program investment plan and is managed by the Louisiana State Treasurer. This fund invests 100% of Deposits and interest earned thereon in Fixed Earnings investments such as government and corporate bonds, notes, and certificates of deposit. The State guarantees the return of your principal so you cannot lose money, but it does not guarantee any particular investment return. Every other fund involves some risk of loss of principal.
Posted on 3/2/17 at 10:39 am to meeple
Posted on 3/2/17 at 10:55 am to ThatsAFactJack
Yeah, those funds are sprinkled and allocated differently across the investment options (link below).
LINK
Stonerolledaway mentioned that he had allocated a certain percentage to bonds in addition to VITPX. I'm trying to diversify a little bit in this manner as the child gets older. Earlier response indicated that the age-based funds do just that, albeit at a higher ER. If I can manually adjust percentages myself for a lower ER, I was trying to figure out the best way to do that. I cannot find where one of these selections is just a bond fund, though.
ETA: I see now that you were the OP
Were you able to specifically select one or more of these individual funds, for example VASIX?
LINK
Stonerolledaway mentioned that he had allocated a certain percentage to bonds in addition to VITPX. I'm trying to diversify a little bit in this manner as the child gets older. Earlier response indicated that the age-based funds do just that, albeit at a higher ER. If I can manually adjust percentages myself for a lower ER, I was trying to figure out the best way to do that. I cannot find where one of these selections is just a bond fund, though.
ETA: I see now that you were the OP
Were you able to specifically select one or more of these individual funds, for example VASIX?This post was edited on 3/2/17 at 10:57 am
Posted on 3/2/17 at 1:28 pm to meeple
No I don't believe you can get just Vasix.
You have 12 options and the only way to get Vasix is in Age Based Moderate Track Fund. However, I was able to get the following:
Institutional Total Stock Market Index, Inst Plus (VITPX)
Small Cap Index Fund, Admiral SHares (VSMAX)
Mid-Cap Index Fund, Admiral Shares (VIMAX)
While limited in options at least it is Vanguard funds.
You have 12 options and the only way to get Vasix is in Age Based Moderate Track Fund. However, I was able to get the following:
Institutional Total Stock Market Index, Inst Plus (VITPX)
Small Cap Index Fund, Admiral SHares (VSMAX)
Mid-Cap Index Fund, Admiral Shares (VIMAX)
While limited in options at least it is Vanguard funds.
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