VBTIX
Vanguard Total Bond Market Index Fund Institutional Shares
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I have Roth 401K Plan from my company and need some advice.
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If your time horizon is 1 year? Nah. If it’s 10+? Then absolutely. I moved into VBTIX, but yes I’m going to be redeploying back to VINIX (S&P 500) years each month, the rest of the year. I haven’t changed my 401k contributions, they’re still going to VINIX.
Lmao I work in global manufacturing. Moved $400k worth of VINIX To VBTIX in 5 separate tranches for like ~$80k a piece. Saw this coming from miles away. Did the same shit in 2018. You’re just sad at this point lil guy
You still yappin? How many accounts have you blown up? Ah yes VBTIX going from $9.68 to $9.67 has been so painful lmaooo.
Why you so mad bro? Lmao Going from flat to 100% to down 80% must’ve been exhausting and now you’re in your dopamine phase. Can tell you’ve had a lot of blown up accounts in your life by the way you trade. Put it all on VBTIX and slowly DCA and thank me later lil bro. We got a few more months of this. I do love how you were talking shit to the other dude crying about him making fun of you being down 80% going into 2 week old comments. Lmao seek therapy lil bro ❤️
God I’m so smart for moving into VBTIX Going from flat to up 100% to down 80% to flat… might as well just bet on college basketball lil bro lmao No stress on my end 😎
Lmao your little $4k port plus paper trading options account ain’t shit. You gonna link some doctored image? I’m just over here laughing at you bro. I got $400k in VBTIX I’m going to slow drip back into VINIX. I’ve played this perfectly. You’ll always be a lil scrub lmaoooo
Not projecting anything, just seems like everyone that lashes out online like you tended to never have a coach or role model growing up. Because you’re not denying it, I think deep down you know I’m right. I made the right move moving $400k of VINIX into VBTIX. Going to rebalance about $40k per month the next ten months back into VINIX. Comment back in 10 months, loser 😂🫵
Yeah he’s a complete loser lmao. Thinks every position is held for months without readjusting. I shared a pic of the final trade of moving $400k worth of bonds (VBTIX) and it broke his brain so he started lashing out and claiming it was fake. Don’t share any positions with him, he’s not smart enough to understand big numbers lmaoo
Last tranche of my 5 transactions moving ~$80k of VINIX to VBTIX https://imgur.com/a/ksAHRnr Just laughing that you full ported into out of the money puts and the amount of daily anxiety you have must be nuts.
I did reallocate to 60/40 with VBTIX at the end of February, but I will be back into 100% VINIX at the end of the month. This isn’t even close to the dot com crash, 9/11, 2008, Trumps first batch of tariffs in 2018, millions of people dying from covid, and then the subsequent shock of interest rate increases for the first time in 15 years… I work in global manufacturing and news flash: the ports are fine, Panama Canal sea levels are down, however the congestion isn’t abnormal, trade is still happening, and my company is still working with the Chinese to buy from their factories in Vietnam and Malaysia to mitigate tariffs (since 2018) lol. The wishy washy of Trump’s tariffs this go around are a pain in the ass as we have to update our models weekly to forecast any margin compression, but that’s just been it… a pain in the ass, not a material issue with the business. We’ll all be ok
You’re shook coming back to a month old comment crying at me. I said we’d see a 10% drawdown and I reallocated half my 401k into VBTIX that next day lmao. You sweatin and I’m just over here chillin responding to you.
Was Going to switch from S&P in my 401k but they don’t even have fucking short term treasuries. Gonna run with VBTIX. But watch Powel actually raise rates with inflation coming back and the damn tariff increases.
FICNX's dividend income is not taxed federally (because of the municipal bonds), so I don't think it makes as much sense to have this in a tax-sheltered account like a 403b. You would be better off allocating that to VBTIX. Also FICNX has a high expense ratio (0.45). If you end up opening a taxable brokerage account, then FICNX makes more sense there, but I would still pick something like VTEAX which is tax-exempt and has a much lower expense ratio.
Been mulling over the same questions. I'm looking for suggestions to lower volatility as I'm in a 3 year retirement window and currently 85 percent in index funds with the rest in TIAA traditional. I have VBTIX and VIPIX available. Any suggestions as to where to maybe balance my allocations? ga2500ev
The boggleheads approach would be VTSAX/VTIAX/VBTIX.
Yes. So if you have 50% in the VOO ETF and 50% in the VBTIX ETF, doing the same with your invested assets will mirror the risk tolerance and growth profile of your 401k. The one caveat is that if you do see yourself using the funds to buy a house within the next two years or so, putting it in less volitale investments will protect you from a market downturn. Bottom line is, don't take any unnecessary risks with the money. Play it safe, take some time to figure out a more stable work situation and best of luck in your new chapter of life. I've seen plenty of people take on a mortgage on a home who are a lot older than you are. They usually end up selling the house before they pay off the mortgage, but selling a house with a mortgage on it is just some extra paperwork as long as you have positive home equity.
I chose all vanguard index funds inside my 403b. Allocation percentage is based on the 2045 Vanguard target date fund. Rebalance yearly based on that. Average expense ratio for those funds is 0.05%. The plan is being managed by Core Bridge (AIG) 58% VITSX 33% VTSNX 9% VBTIX
22F First 401k and so clueless Hi I'm 22F still in school but also making enough money that I can put aside $500 a month so that I can meet my yearly maximum of $7000. I recently opened a traditional 401k account with Vanguard with an initial deposit of $2000. I've been doing some research and decided that I want this to be a less aggressive source of investing for me, as I later plan to invest in some stocks through thinkorswim or something. Now here is where I'm confused and desperately need some help: 1. So far l've learned that, because I'm wanting to just throw money at this and not worry about upkeep, it's in my best interest to invest in mutual funds over EFTs. I've learned about target date funds but my issue comes with choosing a target date. Ideally I would like to retire by 59 putting my target date at at least 2061. There are two mutual fund options that l'm struggling to choose between, VTTSX (2060) or VLXVX (2065). Which one would you recommend? 2. I've also been doing search on how to allocate the funds I put into my 401k. I have read that you can schedule for mutual funds to be bought and things like that. However should I invest all of my monev into one mutual fund, either the VTTSX or VLXVX or do I split it up a bit? Some people were mentioning doing 75% target date funds (25% the year u aim to retire, 25% +5 yrs, and 25% +10 yrs), then the remaining 25% as total stock market. I also saw someone recommend 55% VIIIX, 10% VIEIX, 15% VTSNX, 20% VBTIX....what do I do? 3. This is just a general if you have any advice or things you wish you knew, I am truly clueless l've been trying my best to gain some financial literacy but it is so hard when you have no support or help in any of this and you can't even turn to relatives because none of them are financially smart either
22F First 401k and so clueless Hi I’m 22F still in school but also making enough money that I can put aside $500 a month so that I can meet my yearly maximum of $7000. I recently opened a traditional 401k account with Vanguard with an initial deposit of $2000. I’ve been doing some research and decided that I want this to be a less aggressive source of investing for me, as I later plan to invest in some stocks through thinkorswim or something. Now here is where I’m confused and desperately need some help: 1. So far I’ve learned that, because I’m wanting to just throw money at this and not worry about upkeep, it’s in my best interest to invest in mutual funds over EFTs. I’ve learned about target date funds but my issue comes with choosing a target date. Ideally I would like to retire by 59 putting my target date at at least 2061. There are two mutual fund options that I’m struggling to choose between, VTTSX (2060) or VLXVX (2065). Which one would you recommend? 2. I’ve also been doing search on how to allocate the funds I put into my 401k. I have read that you can schedule for mutual funds to be bought and things like that. However should I invest all of my money into one mutual fund, either the VTTSX or VLXVX, or do I split it up a bit? Some people were mentioning doing 75% target date funds (25% the year u aim to retire, 25% +5 yrs, and 25% +10 yrs), then the remaining 25% as total stock market. I also saw someone recommend 55% VIIIX, 10% VIEIX, 15% VTSNX, 20% VBTIX….what do I do? 3. This is just a general if you have any advice or things you wish you knew, I am truly clueless I’ve been trying my best to gain some financial literacy but it is so hard when you have no support or help in any of this and you can’t even turn to relatives because none of them are financially smart either
Honestly, spread it in a couple funds like you mentioned and depending on age a percentage in bonds or a bond fund like VBTIX starting at 10% if OP is still young and up to 50% if they're near retirement age. It's not enough to live off dividends on, would only get you around $12k before tax per year but is a great starting point for a growth strategy.
I have Roth 401K Plan from my company here in America and need some advice. I contribute to my company Roth 401K Plan, it's around 4% and get a 50% match of that from the company also. But this retirement plan is made up these underlying funds (below). I started in 1/2023 and now its shows cumulative returns of $871.05 for 10K distributed among these funds. VBTIX: Vanguard Total Bond Market Index Fund Institutional Shares VEMIX: Vanguard Emerging Markets Stock Index Fund Institutional Shares VIIIX: Vanguard Institutional Index Fund Institutional Plus Shares VMCIX: Vanguard Mid-Cap Index Fund Institutional Shares VTMNX: Vanguard Developed Markets Index Fund Institutional Shares Target Retire 2055 Tr P Should I change any of these funds or let be it as it is? I am Btw 30 years old working full time.
I have two kids in NY Saves 529 accounts. I previously had them in a different 529, which I rolled over to start getting the state tax break. I could be wrong, but I don't think you would find a 529 plan which allows purchase of individual bonds. FYI, the bond fund in the NY 529 is 100% invested in VBTIX, which is up 4.51% in the past month. We all know that bonds tanked for the previous \~12-18 months, but that doesn't mean they will continue to do poorly. I currently have my HS senior in 50/50 Stock Index/Bond Index, and plan to shift to 25/75 Stock/Bond within the next year or two. If you really don't want to use the bond fund, there is the Interest Accumulation fund which has a steady, low return of 1-3%. Or the Inflation-Protected Securities fund. Or the Income fund, which uses a combination of domestic bonds, int'l bonds, TIPS, and short-term reserves. One of those should be able to satisfy the fixed-income portion of your portfolio.
That would be about the worst investing move I have seen. Just compare on yahoo finance the two funds. Your safe bond fund lost 13% percent last year....far more than it has ever gained in 20 years. Not even sure how VBTIX exists with its history but somehow it has 287B. Oh it's that 3.23% dividend....it is a loser long term over the 500, nasdaq, or most index funds in the long run.
VBTIX is the institutional share class with a high minimum. You may not be able to buy it. The retail share class of the same fund is VBTLX. >If this fund has been accumulating bonds over a long time, does that mean the majority of their bonds were purchased at lower interest rates? Yes. The average coupon is 3.1%. >Is there a way to understand the net average yield that I will receive? [Vanguard reports](https://investor.vanguard.com/investment-products/mutual-funds/profile/vbtlx#portfolio-composition) an SEC yield (based on YTM over the past 30 days less expenses) of 4.82% and a portfolio average Yield to Maturity of 5.6%. I'm not sure why those are so far apart though. >If this interest rate is lower than the current rate I can get buying a bond directly, would it make more sense to just buy bonds at a 5+% interest rate? You can buy bonds through your broker. Yes it would make sense to avoid the expenses and/or to guarantee your nominal return for a particular maturity date in the future. The yield of the fund will not differ from the yield of its holdings (minus expenses), and the fund does hold a mix of treasurys, agency mortgages, and investment grade corporate bonds which will be hard to replicate on your own, though not much different than just buying treasurys.
I have traditionally done almost all of my investing in stocks. However I would like to take advantage of the current bond market situation if possible. I think the simplest way to do this would be to purchase a bond fund such as the Vanguard Total Bond Market Index (VBTIX). I understand at a high level how spot prices for bonds move up and down inversely to interest rates, and so it makes sense that the price to purchase shares of this fund are very low right now, and so it seems a good time to buy at a discount. However, I want to understand how interest rate payouts work for those invested in the fund. If this fund has been accumulating bonds over a long time, does that mean the majority of their bonds were purchased at lower interest rates? Is there a way to understand the net average yield that I will receive? If this interest rate is lower than the current rate I can get buying a bond directly, would it make more sense to just buy bonds at a 5+% interest rate? I just want to understand if it is a good investment to move some of my funds into bonds at this time for long-term investing.
I’m looking for advice on cleaning up my 401k allocation. I’m currently set as this: 65% T Rowe Price Blue Chip Growth (TBCIX) 20% Vanguard Target Retirement 2055 10% Vanguard Institutional Index Fun (VINIX) 5% Vanguard Total Bond Market Index (VBTIX Any reason not to move everything to the Target 2055? I am concerned about the 25% allocation of that fund to international stocks. Are there better options that are perhaps US only?
I was in Vanguard 2040 for years. Set it and forget it so I thought, until I noticed very poor performance. I switched everything to VIIIX (S&P500) and will ride that wave. Will once in a while scrape some profits to buy some VBTIX (bonds) as my goal is to have about a quarter million in bonds to ride out market crashes once in retirement.
I'm not in SGOV or TBIL. I'm in VBTIX and DODIX treasury mutual funds.
VBTIX is just the institutional share class of VBTLX tho?
I’m reviewing my 401(k) and trying to decide how to allocate it. I'm thinking of doing 42% large cap, 10% small cap, 15% international, and 33% bonds. Given my other info (below), how do these numbers look? More info: I am 43 years old and probably \~25 years from retirement. My risk tolerance is medium. My plan is to leave my allocations the same for 5 years. Then in 5 years I will put 5% more money in bonds and keep the other investments roughly proportionate. I currently have two 401(k)s (although I might do a rollover from my old one to my new one). In my current employer’s 401(k) with Charles Schwab, the large cap fund is FXAIX (Fidelity 500 Index), the small cap fund is GSSIX (Goldman Sachs Small Cap Value, has a .96% fee but no better options are available), the international fund is VTSNX (Vanguard Total Intl Stock Index), and the bond fund is VBTIX (Vanguard Total Bond Market Index). In my former employer’s 401(k) with Fidelity, the large cap fund is FXAIX (Fidelity 500 Index, same as at my other 401(k)), the small cap fund is FSSNX (Fidelity Small Cap Index Fund), the international fund is JIGTX (John Hancock Intl Growth Fund Class R6, .88% fee but no better options), and the bond fund is PICYX (Pioneer Bond Y, .45% fee but no better options). I don’t know much about investing, but my thought in domestic stocks is to very roughly replicate the total market. Trying to beat the market doesn’t seem like something I have the time or expertise to do – but if you think I’m making a mistake, let me know. Also let me know if any of my other numbers look screwy. Let me know if you need more info. Thank you so much for your help!
VBTIX . My 401k offers this amazing bond fund with extremely low expense ratio of 0.035% I am 10% in it besides the majority in vanguard institutional social index and vanguard total institutional stock market (both international and domestic).
My 401k is partially allocated to VBTIX which pays a monthly dividend that works out alright for me even if the fund itself struggles. I put an equal amount in a Vanguard international ETF as small hedges against a crippled stock market or US economy.
I have 15% of my 457b in VBTIX as well, and I have been asking myself the exact same question. The other two funds I have (VINIX and VMCIX) absolutely destroy the bond index every year. I keep looking for a reason not to abandon the bind index and I haven't found one yet
VBTIX is down 5% this year. If a 2009 occurred, VTSAX dropped 50% during that drop. Ill put this in monetary perspectives since people arent understand why this drastically hurts retired. If someone was retired and counting on pulling 10% a year from their remaining retirement (end days for them), and they were living off roughly $50k a year. Scenerio 1 that yall are suggesting: Let's say they put that in the stock market. The crash happens and it drops by 50% in 1 year. Even diversified, assume a total 30% loss. So now their total goes from $500k to $350k. Since they use $50k that year, instead of 1/10th of their total, they now are using 1/7th in their first year. Even if the market recovers, they used more of their principal than planned. Right off the bat, they are down 3 years on expected retirement funds. Even if the market start to go back up, they took from the principle and will require even more growth to recover. Scenerio 2: increased inflation People trying to rightfully avoid stock market fluctuations put their money in bonds. They are trying to get 3-4% so they can counter inflation. Now that we are printing money at an insane rate, those bonds are no longer countering inflation. People have to plan to run out of money sooner or, as we will see in the next few years, more retired returning to work.
75%VTSAX / 25% VBTIX , rebalance annually