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Vanguard Portfolio
- Vanguard Portfolio Advice I have around 75k in vanguard admiral index funds: Total stock market index: 30k Small cap: 15k Total bond index: 15k Total international: 13k What do you guys think? I will be putting more more, should I rebalance? Update: I’ll be putting 50k more. So it will look like: Total Stock: 50k Small c
- Vanguard Portfolio Advice - $200K Can anyone weigh in on the is portfolio / asset allocation strategy? Background - TC: 180, - 40 years to retirement, in 20's. - risk-seeking, - buy-and-hold strategy, - knowledgable enough to avoid basic mistakes (e.g. selling in a down-market, picking stocks vs. index funds). Portfolio ($200
- Investing | 3 fund portfolio | Vanguard fund questions Lets say one wants to put 60K in this market. Inorder to keep the risk profile conservative, should one invest 20K in each - 1] Vanguard Total Stock Market Index Fund (VTSAX) 2] Vanguard Total International Stock Index Fund (VTIAX) 3] Vanguard Total Bond Market Fund (VBTLX) and follow the vanguard
- Conservative Investors, what do you think of this portfolio? Goal: - 3% average annual total return until retirement in 2030 - Little risk in market downturn Idea: - 80% Total Bond - 20% Dividend Aristocrats Stocks Schwab: - SWAGX 80% of portfolio 0.06% expense ratio - SCHD 20% of portfolio 0.06% expense ratio Vanguard: - VBTIX 80% 0.025%
- Brokerage for automatic investing I want to create a custom vanguard ETF portfolio and automatically invest the chosen percentages into this portfolio every month. Which brokerages can do this? AFAIK, only M1 finance can do this but that is available only for US citizens/permanent residents. Vanguard does it only for mutual funds ,
- I’m sorry, Mom I graduated college in 2016. The first few years after I started working full time, my mom managed all my investments for me. She bought mostly MSFT, AAPL, and Vanguard ETFs. Thanks to her, my portfolio had massive gains. In early 2020, I became interested in investing and decided to take over from
- REITs via ROTH IRA I have no interest in purchasing a house or being a landlord. Are REITs like VNQ (Vanguard) or SCHH (Schwab) any good for real estate exposure in my portfolio? I’ll be purchasing through retirement account like ROTH IRA to evade paying income taxes on dividend income. Thanks in advance. 150 #pers
- Has anyone used goldman sachs wealth management services? is it worth it? what benefits does it provide over a thre fund portfolio in vanguard mututal funds?
- Oracle 401k fidelity Hi , Just wanted to check what options you take in oracle 401k fidelity portfolio . I have vanguard (years ) fidelity contra pool and dodge .. YTD gains are not that great
- Why is Amazon moving 401k accounts from Vanguard to Fidelity? I heard that Amazon is moving all their employee 401k accounts from Vanguard to Fidelity in Jan2020. Anyone knows why that's the case? Does Fidelity have lower fees or a broader investment portfolio?
- evaluate my cash holdings $40k retirement $41k vanguard portfolio $100k CD earning 2.10% $100k uber stocks $10k checking account i feel im a bit over exposed in cash holdings and uber stock. i am in a non eng role at Uber
- vote Marcus invest vs other robo advisors Marcus invest just came out today, with the high 0.35% fee does it seem worth it compared to Fidelity Go at 0.35% or Vanguard Personal at 0.30% or Vanguard Digital at 0.20% or Schwab at 0% (effectively 0.15% all in due to the cost of underlying funds)? I have Schwab intelligent portfolios and I’m l
- vote 401k investment portfolio Does it make sense to allocate 10% of 401k Vanguard portfolio to bonds? I am 25 and don’t know if investing in bonds makes any sense at all for my age. TC 170k YOE 3 #investments #personalfinance
- Portfolio Looking for feedback on my medium-low risk portfolio for the next 4-5 years pls: 60% VOO (Vanguard S&P 500) 30% VOT (US mid cap growth) 10% Crypto (BTC/ETH 50-50) Why speak to financial advisors when you have such an expert community here on Blind. Merry Christmas #personalfinance #investments
- vote 150k to invest? Another “I have x to invest” post, hurray! The difference is I also have a POLL. Here are the options I am considering given the current and near term macroeconomic conditions - think a possible Trump impeachment, no-deal Brexit, slowing China. Right now the vanguard index fund portfolio I’m inves
- Transamerica 401K This is for my spouse. Her company offers 401k through Transamerica. Unlike my Vanguard 401k that offers a target year portfolio -- which looks simplest from setup point of view, it seems Transamerica does not offer such target year based portfolio. It offers limited options of bond, large/mid/small
- Advice for wealth management I am considering to open a/c with Vanguard to manage my portfolio around 100k. They charge 0.3% annually. Has anyone used this? Would you recommend? I chose Vanguard because of wide variety of funds available. Also, earlier I was thinking to buy home or rental property instead, but I feel I lost op
- Wealthfront vs a standard 3 fund portfolio Do you have experience with Betterment/Wealthfront and how they compare to a standard 3 fund portfolio at Schwab/Fidelity/Vanguard? I know fees are a bit higher. Is the return still more? Is the automatic rebalancing and tax-loss harvesting worth it? I tried to calculate the cost difference using
- Self-managed index fund investment vs. robo investment I have a self-managed 3-fund index fund portfolio in vanguard, and a small investment at wealthfront with risk score of 9. While vanguard index funds have lower expense ratios, wealthfront provides tax-loss harvesting which can close the gap. Is there any analysis or pointers to the comparison two m
- Higher risk ETFs? When I started investing, Bogglehead friends told me "100% in S&P500, set and forget" and/or the three fund portfolio. I've been doing that for a while but I have actually grown interested in VGT lately. What do you think? My portfolio: 8% emergency savings* 9% SWPPX 8% VFIAX 4% SWAGX 21% Waymo** 4
- iBillionare I was looking at this app. Seems like a similar service to Wealthfront and Betterment, but also shows you and let’s you invest in the portfolios of other well know investors. Anybody used it? Or is it better to just stick with vanguard or Wealthfront and robinhood.
- 529 investment I have a couple of 529 accounts set up (in CO and MI, 2 states where I used to be taxed in, but no longer) for my 6 year old. The MI one is enrolled in some 2032/2033 college enrollment option, and has like a 72:28 stock to bond ratio currently (https://www.misaves.com/research/enrollment-year.php)
- Keeping millions in a brokerage account? Folks with multimillion portfolios, are you worried about SIPC $500k insurance limit per brokerage account? Do you split your stocks across multiple brokerages? And what brokerages you recommend? I already have IBKR and Schwab, and running out of ideas where to stash my stuff safely further.. Non U
- Investing in pre IPO I want to invest in upcoming IPOs in US. Any suggestions about platform which can help me do it? I tried to do some research but all the platforms have ridiculous requirement (super high portfolio value).#investments #personalfinance I read vanguard, charles swab, robinhood doesn't support pre IPO
- 6% over the last 5 years. What am I doing wrong? My self picked portfolio of indices at vanguard has only returned 6% over the last 5 years. What am I doing wrong? For context, this is a small portion of my net worth (1.7%), but I’m disappointed at my stock investment skills. This is meant to be liquidated in 20–25 years. #personalfinance #inv
- 401k: brokerage & portfolio selection Which brokerage do you use: vanguard, or fidelity? And, when you choose the investment portfolio how do you pick the selection, specially if you are a risk-averse person like me. Just to share, my current vanguard election has something like 90% equity + 10% bonds allocation, which was set by defau
- Three fund portfolio? Finally getting my feet wet and starting to learn about investment (long overdue, money has been rotting in the bank). I was thinking about just following Bogleheads three fund portfolio approach where you invest into VTSAX, international index fund and bonds fund or whatever. Planning on dumping 9
- 401k cutting out the middleman My company does it's 401k through Human Interest, which charges 0.5% management fee on the portfolio. I think that's ridiculous considering they offer a limited subset of securities you could buy anyways on your own. Does anyone know if it's possible to short out the middleman and go straight to fu
- Meta 401k options — Roth IRA help I started at Meta and I am looking at the 401k options. It seems they have mostly through Fidelity the classical Vanguard 2050 etc. For Meta employees what is your 401k portfolio? Amazon 401k had an S&P 500 option for instance. Also as I haven’t done before how at Meta 401k do you do the Roth IRA
- Bond keep going down in 2022? Vanguard total bond etf has been -3% YTD. With interest rate going up in 2022, is it almost for sure bond will keep going down? Usually there is a strong inverse correlation between interest rate and bond price. Did I miss anything? I'm a boglehead style investor and a good percentage of my portfol
- Good time to put money in vanguard’s 3-Fund portfolio? Have been saving up for couple of years now. Initially I had put my savings in a CD which vested last year and as a result missed out on the market gains last year(which have been pretty much undone this week). Is now a good time to put my savings in a 3-fund portfolio? Also which vanguard index fu
- How much you save annually? TC, household and saving annually? 400k, 1 kid, 120k. Edited: 230k + 170k from husband and wife. Salary + bonus. Not counting stocks. That’s windfalls and who knows if the ipo can work out. $6600/month on mortgage and prop tax. $5000/month for everything else: $700 term life insurance inclu
- FDIC insurance and multiple types of investing In general, what do you have to do to keep your portfolio safe from issues with your bank/broker? I know for regular back accounts (checking, and so on), the limit applies per financial institution (so, if limit is 250k, then it's better to have 250k in two banks than to have 500k in one bank). Bu
- Wealthfront vs. Vanguard Hi all, I’ve kept my money in a Wealthfront account for as long as I can remember. My risk profile has been at a 9, so I’m assuming my portfolio is mostly stocks. However, from time to time, I’ve considered whether a Vanguard would be simpler, more effective, and cheaper, but never took the time t
- New grad w/ ~75k to invest. Looking for advice. Hi! I'm graduating this May and starting fultime at Google in August. I have around ~100k from internships and sign on bonus and want to invest around 75k of it for long term. I have no debt. I haven't really invested much other than basic 4-fund Vanguard portfolio. What advice would you give to
- How do I prepare for the next market downturn. 30 year old. I've been making some serious dough riding on this bull run that seems to go on forever. However I'm increasingly anxious and keep worrying about an impending crash. I joined the work force after 2008 and don't have experience of safeguarding my money against a downturn. This is what my
- Aggressive 401k/IRA allocation I tried Fidelity and Vanguard planning tools but they default back to an ok risk/reward allocation. I want 95% stocks allocation. What do you have in portfolio which is high risk/high reward. I can take a bit of a risk. Thinking about rebalancing after Jan 20th, post Biden transition and converting
- vote Do you use professional investment management services? Where their 'experts' manage your portfolio and advise. (For any kind, be it 401K, IRA, Stocks). If yes, how's been your experience so far wrt returns. Worth paying their (nominal) fees? I understand, we might get better returns if we manage positions ourselves, but it also needs very high level o
- Need some advice on finances. Looking to move out of the country in 5-6yrs. Quick financial rundown: Cash: 80k (40k in a cash account) Investments: 80k (40 robo, 30 brokerage, 10 vanguard) 401k: 80k Unvested stock: 300k I recently started contributing to vanguard funds. 400 per week. I lost around 35k early on betting on biotech stocks, so stayed away from stocks for a wh
- Which Vanguard index funds to pick? I have about $50-60k cash that I want to invest and need to create a three fund Vanguard portfolio. I plan on keeping my money in Vanguard for about 5 years. I willing to keep the risk factor as 7/10. So far on the basis of my research I found that the following index funds are popular and can profi
- Investment advice Noob investor here. Did some reading and dollar cost averaging over index funds seems like a good starting point. Some colleagues recommended Robo advisors (like Betterment etc.) that maintain a diversified portfolio and provide other services like tax loss harvesting, for a fee (0.25% + ETF expense
- Is changing 401K investments a taxable event? I enrolled in FB's 401K plan when I joined the company and chose to distribute my allocation into a bunch of Vanguard target date funds alongside a bond fund as well. Over the course of the past year, I have realized that my 401K portfolio performance has been rather dismal, mainly because of the bo
- RSU’s and regret, amd the curse of the blackout period I guess im more just venting here, but does anyone else get stuck feelong regret when they make a good financial decison with their RSU’s? We have massively long black out periods (60 days I think). The smart thing I know is sell when you can, put in a diversified portfolio (ETF’s Vanguard, etc..
- 401K Allocations For folks in mid-30s, how does your 401K allocation look like? As a newbie, mine is set to Vanguard target retirement fund; which I feel not optimal. I was particularly looking for popular ETF options, but the Google / Vanguard retirement fund portfolio doesn’t enlist such options (or perhaps I miss
- Zero-coupon Muni / US treasury bonds I want to keep my home downpayment grow for 3-4 years after which i will but a home. I put the downpayment money in three-fund index fund portfolio earlier, with 50/50 stock/bond ratio, but i was suggested that this is risky. I’m now looking to buy zero-coupon muni / US bonds instead. Where can I bu
- where to park savings? Let's say that I've managed to save $110k, what should I do to maximize my money? I've already scoured /r/personalfinance, but I never really see *concrete examples* of what to do. For the past year, it's just been getting eaten up by inflation I'm already contributing to my 401k, and I want to buy
- Vanguard target date retirement fund vs select your own Vanguard target date retirement fund has an expense ratio of 0.05 and vtiax total international stocks had an expense ratio of 0.11. Isn’t the latter expensive? Target date fun d includes this so why do people buy individual funds rather than target date? Aside from being able to control the breakdo
- Vanguard Wellesley fund (VWINX) for short-term investment I have recently used personalcapital.com, which suggested me that i have too much money sitting in online savings account (150K) (1.3% yield) and i should consider stock market. I already have a 3-fund portfolio of 40K in vanguard other than this money) but based on this suggestion, i’m planning to
- Dividend Re-investment Question Just wondering how do you all handle dividend money? Do you all do Dividend Re-investment or use the dividend money for everyday expenses or buy other stocks/indexes? Does it differ by where dividend is coming from i.e. re-invest if it's from account like Vanguard(which I use for a 3fund portfolio)
- Referral Request Hello everyone, I'm looking for referrals in any Fintech companies for the following roles: Financial Analyst, Product Manager, Business Analyst, Data analytics and Insights I am a CS grad, and I work for Financial services firm and I have experience in Capital Markets, Risk and Performance Evalua