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Vanguard Funds - How would you allocate?
Posted on 7/14/26 at 1:11 pm
Posted on 7/14/26 at 1:11 pm
Have some cash to throw into my Vanguard funds and curious how this board would allocate:
VFIAX - 500 Index (admiral shares)
VHYAX - High Dividend (admiral shares)
VIGAX - Growth (admiral shares)
VGT - Info Tech
25% to each or more emphasis on one or two of them?
VFIAX - 500 Index (admiral shares)
VHYAX - High Dividend (admiral shares)
VIGAX - Growth (admiral shares)
VGT - Info Tech
25% to each or more emphasis on one or two of them?
This post was edited on 7/14/26 at 1:33 pm
6
Posted on 7/14/26 at 1:28 pm to Lsut81
quote:
VIGAX - Growth (admiral shares)
this is the only MF i have and it has been great since i switched from VG to schwab. i am up 142% on it, although i mainly use ETF's.
allocation is up to you like i said it is the only MF in my portfolio so i will not comment on the others. The index ETF's i like are VOO and QQQ.
Posted on 7/14/26 at 1:31 pm to Lsut81
VYM
VOO
VIG
VOO
VIG
Posted on 7/14/26 at 1:31 pm to Lsut81
is this taxable account? if so, think about ditching the dividend fund. depending on tax bracket you could get a good taxable equivalent yield in VWALX. (tax exempt muni bonds)
Posted on 7/14/26 at 1:33 pm to Fat Bastard
quote:
he index ETF's i like are VOO and QQQ.
Missed a letter, but VFIAX, my biggest holding above is the admiral class of VOO.
Posted on 7/14/26 at 1:43 pm to Jmcc64
quote:
is this taxable account? if so, think about ditching the dividend fund. depending on tax bracket you could get a good taxable equivalent yield in VWALX. (tax exempt muni bonds)
Yes, but curious why that advice? I honestly don't know. Any other benefits besides paying taxes on the dividends?
VWALX is at 3% YTD and VHYAX is at 11%
Posted on 7/14/26 at 2:10 pm to Lsut81
quote:
Missed a letter, but VFIAX, my biggest holding above is the admiral class of VOO.
sounds like you have it covered.
Posted on 7/14/26 at 2:29 pm to Lsut81
Bogleheads:
quote:
in a 22-24% bracket, I would not recommend munis; you'll probably get a slightly better after-tax yield from corporate bonds of comparable risk.
Posted on 7/14/26 at 3:05 pm to Fat Bastard
I have my roth and rollover traditional IRA in VTSAX. It seems like over time VIGAX outperforms VTSAX. Would it be a good idea to change to VIGAX? I'm 43 so I'll likely have another 20 years of work and contributions to the roth.
Posted on 7/14/26 at 6:42 pm to Lsut81
There's a ton of overlap between VGT, VIGAX, and VFIAX. Nearly 60% of the value of VGT is in the top ten holdings, and half of those are shared with VIGAX which also has 60%+ of its value in its top ten holdings, then several of VGT's top ten are in VIGAX's top twenty. There is also significant overlap with those and VFIAX, which has 40% in it's top ten and half of those stocks are in the top ten or so of the other two.
If you like bubbles, proceed, because if the air goes out of one of those, it's probably going to come out of all of them. If you like Nvidia, Apple, Microsoft, and Broadcom, you got plenty of it.
But remember, you really shouldn't get investment advice from random people on the internet.
If you like bubbles, proceed, because if the air goes out of one of those, it's probably going to come out of all of them. If you like Nvidia, Apple, Microsoft, and Broadcom, you got plenty of it.
But remember, you really shouldn't get investment advice from random people on the internet.
Posted on 7/14/26 at 6:51 pm to Lsut81
Any of those on the long and rebalance.
Posted on 7/14/26 at 7:17 pm to CharlesUFarley
quote:
There's a ton of overlap between VGT, VIGAX, and VFIAX. Nearly 60% of the value of VGT is in the top ten holdings, and half of those are shared with VIGAX which also has 60%+ of its value in its top ten holdings, then several of VGT's top ten are in VIGAX's top twenty. There is also significant overlap with those and VFIAX, which has 40% in its top ten and half of those stocks are in the top ten or so of the other two.
OP, put your entire portfolio (Vanguard plus anything else) into your fav AI tool to ask it to analyze the correlation of your portfolio assets and make reallocation recommendations basis your financial objectives, timeline and risk appetite.
Always do your own thinking, but I found this to be a great starting step to better understand how well diversified (or not) my portfolio was vs my intent.
Found a few important insights that I did not realize (couple of holes, overlaps and concentration areas that needed attention).
Note - AI can be a bit general, but as a 1st step General may be all you need.
This post was edited on 7/14/26 at 7:23 pm
Posted on 7/15/26 at 5:51 am to CharlesUFarley
quote:
There's a ton of overlap between
Appreciate the advice.
Yes, there is overlap but maybe more than I had realized.
This post was edited on 7/15/26 at 6:21 am
Posted on 7/15/26 at 9:20 am to Lsut81
yes you must compare the top ten holdings on each of these funds. I have an oversized position in VITAX and its top ten is very similar to that of the total market index funds. There’s no point in owning multiple funds if they include the same tickers
Posted on 7/15/26 at 10:07 am to cgrand
Appreciate the advice. Have spent the morning moving things around and distributing more around growth, international, small, mid...
Posted on 7/15/26 at 1:07 pm to Lsut81
One and done.
VFIAX - 500 Index (admiral shares)
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