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Message
re: Vanguard Mutual Fund Recommendations?
Posted on 2/9/14 at 9:24 am to PlanoPrivateer
Posted on 2/9/14 at 9:24 am to PlanoPrivateer
Wellesley Income has been very good to me for a long time.
1
Posted on 2/9/14 at 9:45 am to Volvagia
Thanks for the VEIPX and VHCOX recommendations. Why is VHCOX closed to new investors, and is there a timetable that is typically followed for reopening the fund?
Posted on 2/9/14 at 9:54 am to PlanoPrivateer
quote:
Also, at your age I wouldn’t have any money in the VMMXX money market fund inside of a Roth unless you are keeping some powder dry to take advantage of a dip. Even then it isn’t enough money to make a big impact. Put that money in a stock fund.
That is a consideration of mine at this point. I simply don't have any foreseeable goal in mind for retirement, besides it being 30 years out. Should I consolidate both VMMXX and VFFVX into VTSAX, or is there a suggested complement to VTSAX that would help me balance my portfolio better towards my age? I have no problems with my retirement accounts being very aggressive at this point in time.
Posted on 2/9/14 at 10:06 am to JumpingTheShark
quote:
VOO has done very well for me.
Why VOO over VFINX? I have yet to use an ETF, though the liquidity of one would certainly make it more valuable to me in a taxable account versus my retirement accounts.
Posted on 2/9/14 at 4:42 pm to RickAstley
quote:
I have no problems with my retirement accounts being very aggressive at this point in time.
I agree and think you are on the right track.
Posted on 2/9/14 at 6:44 pm to bovine1
quote:
Wellesley Income has been very good to me for a long time
I've been torn between Wellesley and the Windsor fund.
Glad to hear you like Wellesley.
Posted on 2/9/14 at 10:39 pm to Oenophile Brah
I have a big stake in Wellington (64% stock), and hedged with some Wellesley (38% stock).
Posted on 2/10/14 at 2:00 am to RickAstley
quote:
Why is VHCOX closed to new investors, and is there a timetable that is typically followed for reopening the fund?
Because investor confidence in the fund is so high, so much money was being thrown in that the total assets grew beyond what the managers felt comfortable running. There is such a thing as a fund being too big to effectively manage.
They close the fund to put a break on it.
No timetable followed on reopening it....just when market conditions bring it back into the manager's comfort zone.
In the past couple of years I think it has closed and reopened 3 times.
This post was edited on 2/10/14 at 2:01 am
Posted on 2/10/14 at 8:18 am to Volvagia
Glad this thread came up this week.
I'm 27 years old and just entering market by maxing out roth for '13/'14. I'm late because I focused on paying off debt first - whether that was right or not is moot now.
I'm obviously going long here and know that timing the market is impossible but I hate dumping it all at once into record high funds. I've got $11k in the vanguard money market for my first contribution and will go with a stock heavy growth fund. Do I wait for a 10%ish drop to get in before I start to make my regular monthly contributions?
I'm 27 years old and just entering market by maxing out roth for '13/'14. I'm late because I focused on paying off debt first - whether that was right or not is moot now.
I'm obviously going long here and know that timing the market is impossible but I hate dumping it all at once into record high funds. I've got $11k in the vanguard money market for my first contribution and will go with a stock heavy growth fund. Do I wait for a 10%ish drop to get in before I start to make my regular monthly contributions?
Posted on 2/10/14 at 9:11 am to JoeBobRuby
quote:
Do I wait for a 10%ish drop to get in before I start to make my regular monthly contributions?
IMO, no. You'll end up waiting all the time and would be trying to time the market, which is folly since it appears you have limited understanding of when a drop could or would occur.
Posted on 2/10/14 at 9:18 am to JoeBobRuby
quote:
Do I wait for a 10%ish drop to get in before I start to make my regular monthly contributions?
I would advise you at least identify the fund you plan to invest in, and make the minimum contribution into that fund. That will help you break through any mental barriers that are preventing you from dipping all of your money into the fund.
One suggestion is to make the $3000 minimum and then contribute $1000 a month to it until you have exhausted your money market fund. Vary the numbers as you feel, though that will allow for you to dollar cast average your investments
Posted on 2/10/14 at 9:23 am to Teddy Ruxpin
quote:
you have limited understanding of when a drop could or would occur.
No doubt.
So don't start a stupid behavioral trend off the bat ?
Posted on 2/10/14 at 9:30 am to JoeBobRuby
basicallyPosted on 2/10/14 at 9:37 am to RickAstley
Thanks Rick. I'm looking at VASGX for my primary fund at the moment. I want something on the aggressive side that I can blindly dump into.
The method you mention seems logical and handles my initial psychological hurdle. I guess this 11k is nothing in the grand scheme - it seems substantial now though!
The method you mention seems logical and handles my initial psychological hurdle. I guess this 11k is nothing in the grand scheme - it seems substantial now though!
Posted on 2/10/14 at 10:20 am to JoeBobRuby
I know this thread is specifically about Vanguard, but does anyone have any recommendations for Fidelity Mutual Funds?
Very new to investing and just opened up a Roth IRA with them. Not sure if I should start another thread for it though.
Very new to investing and just opened up a Roth IRA with them. Not sure if I should start another thread for it though.
Posted on 2/10/14 at 11:45 pm to dcrews
WSJ and USA Today always talk up the "admiral" fund by Vanguard. I think it requires a $15 grand entrance fee that is a 3x the yearly Roth limit contribution. My mom has moved most of her funds into some kind of vanguard account. My sister and I have long term accounts with American Century and fidelity. I transferred everything to AC years ago. Ratings on mutual fund products is a simple google search. pick the fund you like based on its holdings and objectives.
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