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I'm 23 and considering starting a Roth IRA for myself through Vangaurd. Considering going with a mix of VGSTX and a bond fund initially around 50-50 with this year's max IRA investment, and then dollar-cost averaging myself into more VGSTX and some VEXMX with next year's and ongoing investments. Does this sound like a sound strategy? I'm seeing a lot of love here for VBMFX, but what about VUSTX, which is a long term treasury fund? could I really go wrong with either of them? PIPBoy 2000 fucked around with this message at 01:36 on Dec 1, 2008 |
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Nov 30, 2008 22:29
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| # ¿ Apr 29, 2024 09:57 |
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80k posted:I wouldn't touch long-term treasuries... one of the last things I would dump my money in right now. VBMFX is ok, but at today's prices, I would go for short-term investment grade bonds or treasury inflation-protected bonds (TIPS). But do your own research and be aware that despite the extraordinarily high risk premiums for short-term corporates, there is still a lot of risk out there and the ride can be bumpy. TIPS are a very volatile asset class as well but trading at historically very attractive real yields. Is there a reason that short-term corporates are preferred over intermediate-term or even High Yield Corporates? I know short-term should carry lower risk levels, but it seems like now may be a great time to get in on High Yield corporates with prices what they are now. I'd be going though Vangaurd so I'd be looking at VFICX or VWEHX. Would I be crazy to buy either of these with the idea of riding them out long term?
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Dec 24, 2008 05:20
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Have REITs now fallen so far that it would actually make sense to add them to your portfolio? Vanguards REIT (VGSIX) is yielding over 10% right now. Does that really reflect junk-bond levels of risk?
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Mar 28, 2009 15:42
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Yaos posted:If destroying Europe twice and western Russia once did not end everything, it's going to be hard to do this century. It's good for me that it's going down, I can buy more shares! Amen, I'm not buying stocks for next year. I'm buying them for 40-50 years from now.
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Aug 8, 2011 04:25
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My company is switching 401(k) plans from Vanguard to Merrill Lynch on the first of the year. How much of a fee increase should I expect?
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Sep 28, 2013 19:14
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So we were presented with details on our company's new 401(k) plan today. Apparently the Index funds they will offer (which remain to be named) have total expense ratios of between 2 and 6 basis points. I can't decide if this is awesome or if they are lying to us.
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Oct 31, 2013 02:40
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My (rather large) company is moving from Vanguard Brokerage with actual Vanguard funds to our parent-company managed "savings plan" with broadly managed funds of funds through Merrill Lynch. Can someone explain this language to me? quote:Although called a "Fund," this investment option is not a mutual fund, but is a separately managed account that does not constitute a registered investment company. Only plan participants can purchase units of this "Fund," which is not publicly traded and is not listed on exchanges. Listed expense ratios are very low. (.02-.05% for the index funds.) Is this a typical setup? My suspicious nature has me worried. Are there compounded expense ratios as this is a fund that holds other funds or are we just getting some sort of institutional rates?
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Nov 13, 2013 01:18
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| # ¿ Apr 29, 2024 09:57 |
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How's this asset allocation for a young professional couple in their late 20's with no kids? 35% Large Cap - VFIAX 25% Small Cap Value - VSIAX 25% International Equity - VTIAX 15% Short Term Bond Market - VBIRX
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Jan 13, 2014 02:53
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