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Vtsax vanguard reddit VTI 0. They already include VTSAX for all practical purposes plus a reasonable allocation of international diversification and bonds proportional to your expected retirement clock. So, pick an all-US-stock portfolio (total market or S&P 500) over a TDF if you like. Reply reply jchilib • Reply reply brianmcg321 • Reply reply weeniehut_general • Reply reply More replies I want to withdraw $20K of VTSAX and VTIAX from my Vanguard taxable brokerage account to pay off student loans. 5% emerging market equity, rest is split to US small cap, real estate ETF, aggregate bond etf, and <1% in USD) In contrast, my 401k is currently about 70/30 VTSAX/VTIAX. Thanks for all the help! Archived post. Has anyone else chosen that fund? If not, why? (My retirement is in a target date fund, and I am encouraged to read so much praise for target date funds in What is the VTSAX Equivalent in Fidelity? I have a Fidelity account and just read Simple Path to Wealth. Admiral shares are a class of shares in mutual funds. So my employer’s retirement plan doesn’t offer a total US market fund like VTSAX, but it does offer: VIIIX (S&P 500 index fund) VEMPX (rest of the market) Therefore, instead of VTSAX, I need to get the combination of these two. However if you are asking in-general why anyone buys the ETF's, a lot of them are at brokerages other than Vanguard, and Vanguard mutual funds may not be available at those brokerages, or there may be additional fees. Is this a comparable fund? From Index Fund point of view, it is apparently more diversified. trueVTI and VTSAX have the same expense ratio. 33 years old. I noticed that nobody seems to have asked this here before so I figured I would. Or are you holding ex-US in other accounts? 70 votes, 66 comments. Jack founded Vanguard and pioneered indexed mutual funds. VTSAX is probably the biggest total stock market index fund but that doesn't mean it's very different from Schwab's version. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost Thoughts on VIGAX? I would love to hear your thoughts on VIGAX (Vanguard Growth Index Admiral Fund) vs. But at any rate, the Vanguard equivalent ETF of VTSAX is VTI. Index funds are typically better investments than individual stocks because, by and large, their diversification exposes average investors to less risk in If you don't wanna risk 3k in a lump sum to go into admiral shares I'm pretty sure you can still do the vanguard star fund for 1k and roll it into an admiral fund. The bottom line: Vanguard is the king of low-cost investing, making it ideal for buy-and-hold investors and retirement savers. Or should I just throw in VTWAX and forget it? My understanding is that VTWAX automatically adjusts percentages of Domestic vs International based on current Vanguard mutual funds that have an associated ETF share class (like VTSAX and VTI) also usually manage to avoid capital gains distributions. I currently have only VOO in my Roth IRA with Vanguard. I’m 99% sure they are the same holdings just different mechanisms on how you invest. Oct 23, 2023 · Here’s the question: I read about keeping all your money on VTSAX (J. Emergency fund is around 55k sitting in hysa, and home is 350k paid off. Once the bank is linked you can directly purchase MF specifying the dollar amount. Once you get your stocks and such transferred I’d recommend focusing on VOO. I recently moved about $25k from a Raymond James account over to Vanguard. Here is what I understand: -Diversity is important to hedge against 10 votes, 14 comments. Is there any downside to just buying VTSAX/other Vanguard funds on ETrade as opposed to opening an account with Vanguard? I use Vanguard Total Stock Market Index Fund (VTSAX) along with Vanguard Small-Cap Index Fund (VSMAX) to get more mid-cap and small-cap exposure. 04-0. Little differences might compound over time. Notice I swapped your US stocks mutual fund to the Total Market instead of the SP500 to keep with the theme of broad total market funds. I know past performance does not guarantee future performance, but it seems solid to keep all the assets in VTSAX. I use Fidelity and there is a 75$ transaction fee plus ER's ranging from 0. My question is what happens when that immediately tanks below $3,000 - do they (Vanguard) boot you out? Obviously there must be a grace period because over the past 2-3 VTSAX is a total market fund, which extends the diversification idea further by also investing in small caps-basically it extends the diversification idea further by buying every listed US company, not just the S&P 500, which is just the bigger companies. VTSAX is the US total market, roughly 80% or so of the weighted US total market is the S&P 500. In practice they are similar as the big companies are most of the market. ETFs (VT) are a totally different thing from admiral class or investor I finalllllllly got out of my own way and moved money around. Am I doing the right thing by getting out of mutual funds with American Funds in exchange for index funds with vanguard? Your friend is not accurate in stating that VFIAX had double the 5 year return of VTSAX. 94 into VTSAX (roll over IRA) on about 02/01/2021. VTSAX vs SWTSX: SWTSX has a lower expense ratio of . I wanna convert it to either VFIAX or VTSAX to take advantage of fractional shares and auto-withdrawal, but I just don't know which one to buy. Users share their opinions and experiences on choosing between VTSAX and VTI, two low-cost index funds from Vanguard. Check out the link below to learn more. I took this to heart and began exploring the three funds in the title for my Roth IRA. Hello, my hsa gives limited options compared to my 401k/ Roth Ira. 01. 04% expense ratio, a 3k minimum for entry, supports auto investing, and allows you to invest any amount (once above the 3k for entry). Schwab, Fidelity, and Vanguard compete with each other and some of their products are almost identical. A fellow Boglehead introduced me to this article describing a "keep investing simple, stupid" approach with 3-4 funds designed to beat VTSAX by having exposure to the S&P500, mid cap, and small cap stocks. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost Hi, I'd like to hear your thoughts on FIRE with Vanguard All World ETF Accumulating Fund. Vtsax has a minimum $3K but then you just invest any dollar amount more into the fund Vti you have to purchase whole shares of the ETF Apr 17, 2024 · VTSAX stands for Vanguard Total Stock Market Index Fund Admiral Shares. Thoughts on that expense ratio? Any better alternatives ? Thanks. Since you seem to be a beginner, I highly recommend that you work your way through the r/personalfinance Prime Directive. I'm unable to find an expense ratio for it. lol. Is it foolish of me to have all my retirement funds into VTSAX? Currently retirement 600k and college fund 100k for kids are ALL invested to either VTSAX or an S&P. I have an ETrade account but not a Vanguard account, and only recently discovered Bogleheads. 5k contributions) are both in Target Retirement 2060 funds at the moment, which from what I understand are diversified, auto balancing funds with slightly higher expense ratios than VTSAX. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost I have about $10,000 I'd like to invest in VTSAX, but I need to open a brokerage account. VFFVX has acquired fund fees and expenses of 0. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost We would like to show you a description here but the site won’t allow us. I bought VTSAX at 26 and that was one of the best decisions ever as we were in a massive bull market. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost Is Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) the way to go for long-term, non-active investing? Personal balance sheet is in order: no debt save for low-interest mortgage, maxed 401 (k), 18 month emergency fund, etc. trueETF like VOO and the fund VTSAX VOO is only the S&P 500. But active traders will find the broker falls short despite its $0 stock trading commission, due to the lack of a strong trading platform. Is there a difference in fees between the two such that the end result with compounding over 35 years will be drastically different? Probably not. 03% ER VTSAX 0. With MFs i don't think you have to transfer the money into the settlement funds first. I still have another 20k to do something with in my brokerage account but I’m proud of myself for finally doing SOMETHING. I originally did Jan 1, 2025 · Index funds make for great core holdings in your stock portfolio, and two of the best on offer are a pair of Vanguard mutual funds: The Vanguard Total Stock Market Index Fund (VTSAX), and the Vanguard 500 Index Fund Admiral Shares (VFIAX). VTI isn’t SP500, it’s a total US stock market VTSAX isn’t an etf it’s a mutual fund. VTSMX is the investor class equivalent to VTSAX. Based on what I've read, it seems the main advantage of VTWAX is simplicity and the main advantage of VTSAX & VTIAX is customizability and receiving a foreign tax credit. Should I open that account with Vanguard, Schwab, or Fidelity? Vanguard TDF’s are the envy of every rational 401k beneficiary. My other grandpa (Jack) tells me to buy everything. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Question is: how should I divide my portfolio between these two? Does 80% VIIIX & 20% VEMPX sound good? (This is for the US-part of the portfolio, btw. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost Anyone trying to convince you of any benefit of holding the mutual fund version of the ETF is fooling you. I don’t want to go to Vanguard and I want to stay with Fidelity. So far I'm 100% in VTSAX, per JL Collins. I was okay when accounts lost 65k last September due to market VTSAX only buys the shares at market close. Why then, you may ask, have funds like Vanguard Total Stock Market Fund (VTSAX & VTI) beaten Vanguard's TDFs by such a large margin recently? The answer is not bonds; it's international stocks. If you want to split it close to the world market cap, it would be roughly 40% of VTIAX (Vanguard Total International Stock) and 60% VTSAX (Vanguard Total US Stock Market). There are a bunch of Schwab target index funds but they have a distribution I'm not familiar with. So just opened and maxed out Roth IRA with VTSAX. Collins) or using a 3 fund allocation fund (VTSAX, VTIAX and Bonds). To round out your equity allocation, you can add international equity in the form of VTSNX. They are simply excellent. Rather than putting this money into its own pocket, 100% of these profits are poured back into the funds to the benefit of shareholders. Is VTIAX basically the international version of VTSAX? Just looking to implement the same Boglehead approach to international stocks, and am not too familiar with which funds fit that. Then I purchased 10,000 worth of VTSAX. Keep taxes in mind. There's no reason to sell your shares and purchase another. What should I do now? Stop investing in VTSAX and start VTI or sell VTSAX and buy VTI? I dont have any retirement accounts. VTI/VTSAX and VXUS/VTIAX are different share classes of the exact same product. I’d advise getting away from Robinhood and transferring to a larger, more secure brokerage. New comments cannot be posted and votes cannot be cast. Analysis paralysis was taking over hard. I will have How do I prepare to essentially freeze my investment holdings? I am moving out of the US, to Canada, and Vanguard has advised that while I can keep my brokerage and retirement accounts (Roth IRA, SEP-IRA), I will no longer be able to purchase, exchange, or transfer into any funds “ (including automated purchases and exchanges)”. (By the way I'm 29 now) Now I want to max out my contributions for the year 2023 but I'm googling people on reddit who go all in on VTSAX. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost I just opened a ROTH IRA with Vanguard and am looking into VTSAX. May 28, 2019 · What is VTSAX? VTSAX is an acronym that stands for “Vanguard Total Stock Market Index Fund Admiral Shares. Dont plant to use this portfolio for at least another 20 years. I buy farmland as my real estate but not because it's some form of superior investment but rather as a diversification This is a better long term investment than VTSAX, since VTSAX leaves out about 40% of the available equity market. One of my grandpa (Warren) tells me to just buy SP500 and forget about it. His work has since inspired others to get the most out of their long-term investments. $10m from inheritance. Between VTI, VTSAX, and VOO, which would you recommend parking most of your money assuming it was a general investment account and not a tax advantaged? Does VIIIX + VEMPX = VTSAX? Hi, I'm a relatively new boglehead trying to set up my 401-k into the "typical" total US/Intl. I invested $3k in VIGAX last year as my first foray into brokerage accounts. What this means practically: Assuming you have an account at Vanguard, VTSAX has a . ” VTSAX is an index fund designed to track the performance of the entire United States stock market. It’s cheaper than SPY and even out performs it. There is ZERO benefit to the mutual fund over the ETFs. Even Fidelity has a $75 transaction fee to buy VTSAX. Thank you. I just deposited $5,000 into a vanguard brokerage and am waiting for the transaction to go through, but my plan is to invest it completely in VTSAX. But I would like to start buying an international fund. In a tax sheltered account it doesn't matter. VTSAX has a 0. Any downsides to doing this? I know variations of this question have been brought up numerous times on this subreddit. I often say VTI when I really mean total US market index ETF and my portfolio actually has some ITOT instead of VTI as a result of tax loss harvesting. That's pretty diverse but, of course, it is only US equities. I know it takes $3,000 minimum to invest in a fund. It’s currently all in VASGX, an account my parents picked for me when they set it up almost a decade ago. I think VTSAX has done better than VFIAX, marginally. There are general rules for mutual funds that you cannot do with ETFs (auto-buy functions when using vanguard brokerage, and some may not allow partial share purchase), but all in all, ETF is way more flexible when selling during Vanguard lends shares from its index funds to institutions that want to short stocks and earns a profit from this activity. 10% vs 0. But there is usually a no minimum option for the same fund. As a recent Boglehead convert, I recommended she allocate to 100% VINIX. I have never sold before, and I am… I'm looking to do a full TOA from Vanguard to Fidelity, but my account at Vanguard is entirely in VTSAX. The result is that the net effective expense ratio of VTSAX and VTI is actually 0%. If you look them up, you will immediately see that the investor class has higher expense ratio but a lower minimum to invest. I'm wondering if I should invest in VTSAX, Vanguard's 2055 target date fund, or a little of both. My investment plan calls for taking more risk (and hopefully returns) by increasing my exposure to mid-cap and small-cap stocks. Oct 26, 2024 · Get an ad-free experience with special benefits, and directly support Reddit. L. Even at $50 (or any amount really) it didn't make sense to use VTSAX in the IRA. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost I have an ETrade account but not a Vanguard account, and only recently discovered Bogleheads. It is a preference. Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) - Find objective, share price, performance, expense ratio, holding, and risk details. Certainly nothing wrong with just VTSAX, however you would get added diversity by doing a Three Fund Portfolio, holding percentages of total us stock market index, total international stock market index, and total bond market index Reply [deleted] • Vanguard S&P 500 or All world is a good start Reply Significant-Yak1534 • With Schwab’s fee increase to buy Vanguard funds (was $49. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost So far I'm 100% in VTSAX, per JL Collins. For a little more detail, let’s take a look at a summary of the VTSAX fund from Vanguard themselves: Created in 1992, Vanguard Total Stock Market Index Fund is designed to provide For example, if you open an IRA with Vanguard then VTSAX would be an excellent choice for one fund to invest in. (50% US large cap, 25% intl equity, 7. May 23, 2022 · I started investing in 2017 and just found out that instead of investing in the ETF this whole time Ive been in the mutual fund. 04% and a minimum buy-in of $3,000. Am I missing anything substantial? Also, I added a poll to see what the readers of this subreddit prefer to invest in: Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. 95, now $79. While it means different things to different people, the 'Bogleheads' (or: passive indexing) approach to investing is all about low-cost, tax-efficient, long-term simplicity. I know many might say, "get a financial advisor for this kind of money" etc but, in the thinking of Bogleheads, I don't see why a balanced portfolio of low-fee vanguard funds would change if $100k, $1m, or $10m+ investment. I currently have about $150k in VTSAX but cannot… From Vanguard's list of "core funds," the funds that are best for a three-fund portfolio are: Vanguard Total Stock Market Index Fund (VTSAX) Vanguard Total International Stock Index Fund (VTIAX) Vanguard Total Bond Market Fund (VBTLX) We would like to show you a description here but the site won’t allow us. You can also open up a personal IRA on vanguard then invest into vtsax. Would it make sense to have the only index fund/bulk of my taxable brokerage account all VTSAX? This brokerage is also through vanguard so not paying fees The only funds I'd go 100% into fall into one of the following: Target date (index) Target allocation (index), such as Vanguard's Life Strategy series Total world stock fund (such as VTWAX) I wouldn't use only VTSAX, I'd at minimum pair it with VTIAX. VTSAX. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost VTSAX vs. It is $1 per year on $10k invested but technically it is VTI that is the cheaper of the two. In a Roth IRA, the main difference is going to be that a mutual fund allows putting in/taking out any dollar amount, whereas ETFs can only be traded as whole shares (unless your brokerage offers fractional shares; Schwab is apparently Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. I saw a previous post saying: FSKAX+FTIHX might be a good alternative to avoid the $75 fee. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. I have been reading the book (in progress) "simple path to wealth" and it mentions about investing in VTSAX. Which you can buy on Schwab fee free. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost I was thinking of opening M1 account due to auto investing on VTI that doesn’t require minimum but after spending some time on their subreddit and decided against. Vanguard holds patents that make some of their mutual funds just as All in on VTSAX is literally what I did with proceeds from a property sale after maxing out tax advantaged accounts for the year. A total world market fund would would be roughly 60% US and 40% everything I recently started a new job which has a 403b retirement plan through Vanguard. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost vanguard's target date funds have relatively low feesgrowth depends on the holdings of each particular fund. There are some other ways Vanguard makes profits We would like to show you a description here but the site won’t allow us. What is the "Vanguard Institutional Total Stock Market Index TRUST" This is the only option for me in my retirement account with work that looks like VTSAX. Here is the current portfolio at Vanguard (1m total): VBTLX 14% Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. And they are more aggressive (stock heavy) than some may assume. Another difference, as you noted, is the lower entry fee for ETF, and yet another is that some custodians won't let you buy fractional shares of ETF. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost VTI (ETF version of VTSAX) alone will work and outside of of bonds (BND as an example) & international (VXUS), you don't need more. VTSAX is a GREAT option as well, but Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. 04%, but the general trend is that it returns 4% more than VTSAX annually Only the longest bull market in US history has created much of a gap. Risk tollerance is somewhat high. Is VLXVX (Vanguard target retirement 2065 fund) a mutual fund or ETF? Title 1 comment Best Add a Comment Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. 95), I was wondering if it makes sense to make the shift to SWTSX in my Roth. I've been following the Boglehead method of investing in VTSAX but the potential for significantly more return is on the table with some of these other mutual funds. If you are saving for college, explore the tax advantaged accounts like coverdell and 529 accounts. I plan on maybe retiring before that, but I heard that putting it later is more aggressive. VTSAX has an expense ratio of 0. SCHB is another near equivalent. Does it make more sense to buy the ETF versions of the Sorting all of Vanguard's Mutual Funds by average return since date of inception, VFTAX (FTSE Social Index Fund Admiral Shares) is performing extremely well. Vanguard LifeStrategy Growth Fund (VASGX)? Hey everyone, I’m fortunate enough to be 24 with ~200k invested in my brokerage account. Though the expense ratio is considerably higher than a vtsax would be. However, the account does not seem to have VTSAX or any of the other big ones that are often mentioned (VBTLX, VTIAX). 02% (can't remember) higher expense ratio. The real reason to buy VTSAX or VTI is for the ability to just throw any amount of money into it without worrying about transferring over the exact dollar amount. Boglehead investing is boring and simple. They compare the pros and cons of tax efficiency, automatic investing, and brokerage fees. Yes - VTSAX, VTIAX, and VBTLX are the basic components of the Bogleheads 3-Fund Portfolio using Vanguard mutual funds. Should I open up a brokerage and add that as well? Or is there something else you recommend in a brokerage? Thanks for your help! Archived post. 100% VTSAX worth it or too risky? What does everyone think about being invested 100% into VTSAX at 33 years of age and taking it to retirement, maybe adding some bonds as I go along? Get an ad-free experience with special benefits, and directly support Reddit. Brokerage Account: VTSAX: planning to convert this to VTI at Vanguard only and then transfer to Fidelity so as to continue investing in future as VTI at Fidelity (avoids $75 fee associated with buying VTSAX at Fidelity). Vanguard Brokerage -VTSAX? Hi everyone, I’m super thankful for all your insight here and recently started a Roth IRA that was maxed out with VTSAX. Much simpler My hsa Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. This is what a Vanguard representative stated in a message Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. For context, VFIAX tracks the S&P 500 and VTSAX tracks the total US stock market. 04%. Just got a Vanguard account to buy some VTSAX. They would be in contrast to investor class shares. From what I understand you cannot do the reverse (VTI --> VTSAX). Looking for some advise so that this can be done properly and without getting taxed. I did a Roth IRA and added all 7,000 at once, invested it all in VOO. Some 401k doesn’t have that option so it will depend what your 401k plan has. Which of the options is best to approximate 70% VTSAX 30% VXUS? Or is there a better suggestion? VTSAX= A) Vanguard S&P 500 UCITS ETF, with accumulating share classes in GBP and EUR, and distributing share classes in GBP, EUR and CHF OR B) Vanguard US Equity Index Fund (VAUIA or VAUEI). Some funds have minimum. In a Roth IRA, the main difference is going to be that a mutual fund allows putting in/taking out any dollar amount, whereas ETFs can only be traded as whole shares (unless your brokerage offers fractional shares; Schwab is apparently I'm looking at a Vanguard account of a family member and I can't seem to do the math to understand whats it showing. A friend of mine is about to receive a windfall of approx. But now it sounds like you can buy incremental ETFs on Vanguard AND it sounds like you can convert VTSAX --> VTI for free with no tax implications (or so I read on reddit). I don't like REITs because of tax drag. 08% and a minimum buy-in of $1,000. I was planning on following the Boglehead mentality of VTSAX to keep expense ratios low and be aggressive with allocations to stocks (I'm only 23). so I would go with SWTSX. For example; 70/30, 80/20, 60/40 or something along those lines. The reason most bogleheads like VTSAX is because it gives you much more diversification than an S&P 500, while giving very similar returns over the long-term. Wife and I are 38yo and I want to work until mid 50s. You don’t need VTSAX—you have a perfectly good set of funds to mimic it. Vanguard I believe doesn't allow automatic investing with ETFs so that I always thought mutual funds traded at EOD but index funds/ETFs such as VTSAX trade like a stock and execute right away. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost As everyone mentioned, automatic investments is the big one. . She’s 31, so not in a rush to get bonds-heavy anytime soon. VTI is something like 3500 US corporations. The mutual fund is $1 minimum, and can buy any amount, which is nice. Portability goes to Vanguard, because ETFs can typically be bought without any fees at any brokerage, and VTSAX can be converted to VTI without a taxable event. FSKAX is portable, but you may have to either buy a different Total US Market fund or pay a transaction fee for any future FSKAX positions if your new brokerage charges one. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost SWTSX (Schwab Total Market Index) versus VTSAX (Vanguard Total Market Index) -- can you find any meaningful differences between these? I know any differences are incredibly small, but it matters because (if all goes well) this will be my main investment for a 40-year IRA account. 04% ER The difference isn't really meaningful though. What difference does this make? Can someone trueMy wife recently enrolled in 401k with her company, which is administered by T. The expense ratio = 0. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost If you want to split it close to the world market cap, it would be roughly 40% of VTIAX (Vanguard Total International Stock) and 60% VTSAX (Vanguard Total US Stock Market). 01% or a 0. My goal: wealth Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. At 30 I got greedy, sold out and tried my hand at individual stock picking / day trading. I’m a little confused because Vanguard is saying it’s a mutual fund when I’m hearing it’s an index fund? I'm curious to what everyone's opinions on what you think would be the best allocation for VTSAX/VTIAX would be for a portfolio with a 30-40 year time frame in a Roth IRA. The total US stock market is roughly 5/6ths composed of the S&P500 and 1/6th everything else. You can use FXAIX for the former and VIEIX for the latter. Rowe Price. VTSAX & SWTSX vs FRZOX: this one confuses me because FRZOX has an expense ratio of 0. It’s a passively managed indexed mutual fund through Vanguard that was founded in 1992, but became part of their Admiral shares in 2000. After paying the initial $3,000, what does it look like put more money into the index fund? We would like to show you a description here but the site won’t allow us. I understand the equivalent at Fidelity is FXKAX so I plan on switching after doing more research on alternative funds, but for the process of moving the assets to Fidelity, what would be the best way? Since you've expressed an interest specifically in exchange-traded funds (ETFs) like the Vanguard Total Stock Market Index Fund ETF (VTI) and mutual funds such as Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), we also have a guide about investing in ETFs and mutual funds. I want to contribute all of my extra money into index funds. What are the thoughts on VTSAX vs VITAX for long term holdings? Is it likely that tech will continue to dominate the stock market 10-30 years into the future? I realize the expense ratio is slightly higher on VITAX vs VTSAX, 0. Use whatever you want. + bonds portfolio. Just opened a taxable brokerage account. So, why We would like to show you a description here but the site won’t allow us. You could also use ETFs (VTI, VXUS, BND), or funds with comparable exposures from another brokerage. Personally I would pick that. The Schwab version is SCHB, for the ETF, and SWTSX for the mutual fund. Of course now I’m sure everyone will tell me how I did Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Here's a list of available funds: VBIAX VTMGX VEMAX VFTAX VIGAX VSIGX VIMAX VGSLX VSMAX VFFVX VTABX VTSAX VVIAX VWIAX I was thinking of going with VTSAX as my majority investment and possibly VTMGX but wasn't sure if there is a better option available. What would you suggest that I invest until I reach the 3K for VTSAX? VUSXX And chill until then? Or is there something else? Those are supposed to be very slightly more tax efficient, but that really doesn't matter when it comes to Vanguard. Hi, don't know much about investing, but all I know is that I rolled over my old 401Ks into a Vanguard Roth IRA and put it into a target fund 2065. Besides that Since you've expressed an interest specifically in exchange-traded funds (ETFs) like the Vanguard Total Stock Market Index Fund ETF (VTI) and mutual funds such as Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), we also have a guide about investing in ETFs and mutual funds. Hey group, I'm fairly new to investing and looking to buy Fidelity alternative versions of VTSAX, VTIAX, VBTLX & VTABX for my Fidelity Roth IRA. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost My fidelity 401k ($24k contributions) and vanguard Roth IRA ($16. But when I look at my VFIAX and VTSAX, it doesn't seem to reflect the live market. Spy and voo are essentially the same. We would like to show you a description here but the site won’t allow us. It has been invested in a target date fund for years and I believe I can save a little bit of expenses by rebalancing myself. I'm wondering what your thoughts are about All World Vanguard ETF Accumulating Fund. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost Okay stupid question (but a particularly relevant one for investors who got started during a period when putting money into index funds is like walking up the down escalator). VTI is cheaper than VTSAX not sure where you are seeing the reverse. For '22, plan on also investing in vtiax and having around a 80/20 split in my Roth. 07% with these funds Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Can I use it like VTSAX in my portfolio? Key word here being it being a trust, and not a mutual fund. You are conflating two different terms. Moreover, the S&P 500 is weighted at something like 85% of the total market, so there’s significant overlap between the two funds, and as you might expect, performance is extremely similar in the long term. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost 25 votes, 27 comments. Then return here, or post over at r/personalfinance, if you have additional questions. She'd like to live off of this. However then I saw in the comments that you can get the Vanguard ETF versions to avoid the fees. The only difference, in principle, is that VTI is an ETF, and VTSAX is a mutual fund. This person put $32,164. mxwfp metdp xcxorfwv svyesbx vwgdp kxx ikc kxea jmsipk vupokcz fdrp jax wsjnqy vxfa wfaeywu