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Message
What are a few strong Vanguard funds to get into...
Posted on 1/4/13 at 11:31 am
Posted on 1/4/13 at 11:31 am
I want one or two good stock funds and one or two bond fonds...within each fund family, I don't want too much overlap.
thoughts?
is the Index 500 fund still the go-to fund for stock diversification, or do you like the Total Stock Market index fund?
thoughts?
is the Index 500 fund still the go-to fund for stock diversification, or do you like the Total Stock Market index fund?
6
Posted on 1/4/13 at 11:54 am to Chicken
Total Stock Market captures the majority of the market (large, med, and small cap), so it provides more diversification than the S&P500 (large cap). It is also a tax efficent fund.
For your bond fund you need to determine the credit quality you want.
For your bond fund you need to determine the credit quality you want.
Posted on 1/4/13 at 11:58 am to Chicken
(no message)
This post was edited on 1/12/13 at 8:49 pm
Posted on 1/4/13 at 12:09 pm to Chicken
ive been in the capital opportunity funds for yrs
Posted on 1/4/13 at 12:14 pm to Chicken
Most of the indexes are fine. For US stocks I go with one that tracks the Wilshire 5000 or something like it just so you get more exposure to everything.
For bonds it's a something of a conundrum. I believe that rates will eventually rise but nobody really knows when, so I picked a corporate bond index with a duration 5-10 years long. I'm not willing to get into 30 year funds but that is completely my own opinion. The current market rate thinks I'm an idiot and there is little risk to going long.
For bonds it's a something of a conundrum. I believe that rates will eventually rise but nobody really knows when, so I picked a corporate bond index with a duration 5-10 years long. I'm not willing to get into 30 year funds but that is completely my own opinion. The current market rate thinks I'm an idiot and there is little risk to going long.
Posted on 1/4/13 at 12:59 pm to Chicken
Total Stock Market (VTSMX) 60%
Total International Stock (VGTSX) 20%
Total Bond Market (VBMFX) 20%
Those 3 with the allocation up to you. No overlap and very good coverage of global equity and US bond market. Bonds are naturally weighted heavily mid-term. Because all 3 are indexed funds, capital gains are minimal (assuming taxable investment account).
Total International Stock (VGTSX) 20%
Total Bond Market (VBMFX) 20%
Those 3 with the allocation up to you. No overlap and very good coverage of global equity and US bond market. Bonds are naturally weighted heavily mid-term. Because all 3 are indexed funds, capital gains are minimal (assuming taxable investment account).
Posted on 1/4/13 at 1:34 pm to Dusty Bottoms
(no message)
This post was edited on 1/12/13 at 8:48 pm
Posted on 1/4/13 at 1:42 pm to Maniac979
Lower expense ratio
Posted on 1/4/13 at 1:56 pm to Chicken
I bought VDAIX a few weeks ago.
Posted on 1/4/13 at 1:58 pm to Paul Allen
(no message)
This post was edited on 1/12/13 at 8:47 pm
Posted on 1/4/13 at 2:38 pm to Maniac979
quote:
VTI - 0.05
VTSMX - 0.17
VTSAX-0.06
VTSMX - $3,000 min
VTSAX- $10,000 min
Using an ETF vs. Mutual Fund is for another thread.
Posted on 1/4/13 at 2:47 pm to saving$
(no message)
This post was edited on 1/12/13 at 8:47 pm
Posted on 1/4/13 at 4:55 pm to Maniac979
quote:
Why do you recommend a mutual fund over an ETF?
I shouldn't have. I began investing before ETF's were mainstream and just never converted. And knowing I can't buy/sell on a whim actually helps keep me honest. Am I naive? Probably.
I am in Admiral class, so I do at least get the benefit of lower fees.
Posted on 1/4/13 at 4:58 pm to Dusty Bottoms
(no message)
This post was edited on 1/12/13 at 8:45 pm
Posted on 1/4/13 at 11:43 pm to Maniac979
Dividends are reinvested in a mutual fund. ETF - no reinvestment. Makes a ton of difference.
Here are my equity (stock) funds:
VDAIX (dividend appreciation)
VGHAX (healthcare)
VFIAX (S&P 500)
VDIGX (dividend growth)
VEIPX (equity income)
FLPSX (Fidelity low-price stocks).
Balanced funds (i.e., 60% stock and 40% fixed):
Wellington (VWELX)
Wellesley (VWINX)
Target 2010 (VTENX)
Target retirement income (VTINX)
Fidelity 20% stock (FASIX)
Fixed income (Bonds):
VIPSX and VWITX (both listed on "Money Top 70"list
VWESX (long term investment grade)
VFSTX (short term " " )
PTCIX (government bond)
FLTMX (muni)
FSICX (multisector bond)
some more to consider - VHDYX, SMVLX and BBTEX (equity), PTTDX, SXFIX and PAUIX (bond)
I have 18 funds, and experts say you should only have 6-12 so I need to do some research.
Here are my equity (stock) funds:
VDAIX (dividend appreciation)
VGHAX (healthcare)
VFIAX (S&P 500)
VDIGX (dividend growth)
VEIPX (equity income)
FLPSX (Fidelity low-price stocks).
Balanced funds (i.e., 60% stock and 40% fixed):
Wellington (VWELX)
Wellesley (VWINX)
Target 2010 (VTENX)
Target retirement income (VTINX)
Fidelity 20% stock (FASIX)
Fixed income (Bonds):
VIPSX and VWITX (both listed on "Money Top 70"list
VWESX (long term investment grade)
VFSTX (short term " " )
PTCIX (government bond)
FLTMX (muni)
FSICX (multisector bond)
some more to consider - VHDYX, SMVLX and BBTEX (equity), PTTDX, SXFIX and PAUIX (bond)
I have 18 funds, and experts say you should only have 6-12 so I need to do some research.
This post was edited on 1/5/13 at 7:42 pm
Posted on 1/5/13 at 12:02 am to matthew25
As stated in another thread, I bought the Vanguard 500 fund in 1997 for $20,000. Now, nearly 15 years later, the value is a bit over 30K.
Needless to say, it has not been a stellar performer over the years.
Needless to say, it has not been a stellar performer over the years.
Posted on 1/5/13 at 8:53 am to matthew25
I've had Wellesley Income for 25 yrs and I still like it. Intl value, VWO, and equity Income I'm also in now. Is that a sentence?
Posted on 1/5/13 at 9:16 am to matthew25
(no message)
This post was edited on 1/12/13 at 8:44 pm
Posted on 1/5/13 at 7:41 pm to Maniac979
ETF does not reinvest in itself, as does a mutual fund, according to the Scottrade folks.
Do you have backup that it does?
As far as low cost, the cost to trade a MF is $17 and stock/ETF is $7. But ask for a bunch of free trades (or you will trade directly with Vanguard, or TD, etc.) and you get them for a limited time.
VFIAX - thanks for correction.
Do you have backup that it does?
As far as low cost, the cost to trade a MF is $17 and stock/ETF is $7. But ask for a bunch of free trades (or you will trade directly with Vanguard, or TD, etc.) and you get them for a limited time.
VFIAX - thanks for correction.
Posted on 1/5/13 at 7:49 pm to matthew25
I have a vanguard ETF portfolio with Vanguard and the dividends are definitely reinvested
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