VDADX
VANGUARD DIVIDEND APPRECIATION INDEX FUND ADMIRAL SHARES
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VOO is at the basically same level as two years ago, why would you lump sum into it today?
Requesting assistance with Vanguard index selection for HSA
Is now the time to get into High Dividend Yield Index Funds?
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I started taking over my wife's finances. She has a 401k matching. looked over everything that her wok established for her. Seems balanced for most part. But I think she coul do without the two small caps and target date fund. But 1 would like to hear from those who are well versed in creatin a solid portfolio? Her current funds are listed below. We are medium risk people-. Plus as a side note: I am not familiar with vanguard, and it seems like their platform (especially the app) is not that user friendly. VSMAX, VDADX VFIAX VSGAX VTIVX VBIAX VDIGX VIMAX
Put it into VTSAX, VDADX, or other funds depending on your age and retirement goals / risk tolerance. 2.75% is free money and the desire to be debt free is understandable but emotional in nature. I don't mean that to be condescending - I have a 2.8% fixed rate home loan and also would love to be debt free. But I'm up 20% this year in a diverse but relatively simple portfolio...
I also started my retirement in 2024 and use my pension as my cash/MM/bond allocation. I moved 35% of my equities into dividend based funds such as SCHD, VDADX, JEPI and JEPQ for added income and a bit safer on the downside. I also got SGOV and BND along with my other equities.
To defend against tech? If you are going to bet against tech, VDADX (VIG) or some other dividend aristocrat companies.. However, big tech is starting to pay dividends and will eventually join the aristocrats Consumer Staples If tech bubble pops, established companies are where you want money
Investing routinely in diversified, low expense equity index funds is a good strategy. I would not pick VOO and SCHD, but you could do a lot worse. Vanguard does not allow auto investing in ETFs, only in Vanguard mutual funds. VFIAX is the Vanguard mutual fund equivalent of VOO. It has a $3000 minimum initial investment. Vanguard has some dividend funds, like VDADX, VDIGX, VHYAX. I don't know how similar they are to SCHD.
Everyone's situation is different. For starters, waiting until you reach 65 and enrolling in Medicare can be a good move. A pension is a plus, and having some fixed income in the 5% range is another plus. For me, paying attention to asset allocation has always been important, as is tenure of fund managers. I did not research all of your funds, but the non-subscriber version of Morningstar on VDADX is showing only 3-stars, but they have a lot of common top holdings. Thoughts on why you picked that? This fund seems contrarian in down years ('17, '18, '22) when looking at the Quartile Rank chart. And diversification is a good thing. https://www.morningstar.com/funds/xnas/vdadx/portfolio
You can't time the market. 1) I would ditch VDADX especially if you have VOO. Dividends are not free money. 2) I would recommend VTI over VOO for increased diversification. There could be an event which affects large caps more than the broader market. 3) If you can't pull the trigger on a lump sum then DCA over the time frame that you can mentally handle. If you have $20k then do $2k a week for 10 weeks. Shorter is better. If you can do $4k a week for 5 weeks then do that.
23 years old, just started out, accumulatoin stage. ​ For consistent return: Vanguard Dividend Appreciation Index Adm (VDADX) Schwab U.S. Dividend Equity ETF (SCHD) iShares Core Dividend Growth ETF (DGRO) I'll be wary about SPY or QQQ or other ETF that are heavy weighted on just a few big tech companies. Check their holding companies! I suggest you allocate a small percentage of fund say 30% to try to invest like Charlie Munger, learn what he invested and how he picked those stocks. His approach is buy the consistently profitable companies and just wait for long term. When I started in 2006, my first investment was an index fund. Few years later. I was 100% in stocks.
Looking for quick help on choosing a fund for my HSA. Limited options, I’m not looking to really ever pull funds from here, just want to let it sit. VFIAX,MIGYX,SEEGX,DNVYX,SFLNX,VDADX,VSMAX Thanks!
Is it better to move what I have into VFIAX or to just start putting into it going forward? I mostly have stuff in VDADX and VEIPX, generally my portfolio has fluctuated -+4% the last year and a half.
My Roth is 75% VFIAX and 25% VDADX. I don’t know if it’s perfect, but it does feel good getting my dividends reinvested even when the market was doing poorly. For context the ratio of holdings being 3:1 and the dividends are 2:1 so it is substantial enough for me to keep investing in VDADX imo.
If you asked the average person what Google was in the 90s "they didn't have a clue". You are describing the Technology Adoption Life Cycle. https://en.m.wikipedia.org/wiki/Technology_adoption_life_cycle Literally every new technology goes through the same process. No new technology comes out and overnight becomes adopted by everyone. Just because nobody knows about it now does not mean it won't become the new thing. I'm sure the same thing was said when automobiles first came out. "But nobody knows what an automobile even is. Everyone knows what a horse is and uses them all the time". Now I am in no way saying ChatGPT will be the one that takes off. Most first to market products never gain any traction, but it is absolutely an eye opener for Google that AI is here and companies are opening it up for regular consumers to use and they are behind the curve. There is likely way more solutions out there close to developing something similar and Google needs to step it's game up. I'm not sure why you brought the other stuff up because I wasn't arguing any of that, but there are major flaws there too. I tend to agree with the sentiment that Google is the best value right now out of the big tech mega caps. I just think the way you blew off ChatGPT and other potential AI Google search disruptors was not very prudent. I see people use "moat" all the time as if there is no way to potentate their market share. Personally I am invested in Microsoft via VIG/VDADX because I am a dividend investor, but if I didn't care about dividends at all it would be Amazon since it is the best value. out of the three mentioned. If Google was in the mix it would be Google. Regardless I still acknowledge the threat to Google search and realize GCP is still burning cash even though it's the third largest cloud provider.
I'm buying more at this awsome discount! I did balance my portfolio at 25% VFIAX, 25% VTSAX, 25% VTIAX, and 25% split between VIGAX and VSGAX. I have the equivalent ETFs in my taxable. I also have smaller side bets on SCHD, QQQM, and RSP in my taxable. I also just bought a load of BND since the interest rates caused a price crash and I can dump when the market normalizes and rates go down. Overall, I'm not selling jack shit right now. And yes, I hold both VFIAX and VTSAX and equal weight because I like the extra blue chip. Plus I was debating a while back when starting out which to get so I said fuck it and bought both. No regrets. I also have a dash of VDADX I bought a while back and haven't bothered to reinvest it, but I don't add to it. It's doing fine by my standards so it just chills at the bottom of the Roth. My plan is that after 40 I'll start putting money in bonds (120 - age) and at 50 moving money to income based funds over time. I am also a rare person with one of them mystical things called a public pension so I have extra breathing room. The goal is to eventually live on pension + dividend income with bonds as a failsafe.
VDADX or VIG aren't dividend funds, they're value funds that use dividend yield as a selection metric. consistently raising dividends in perpetual bull markets is easy but to consistently raise dividends even when markets sour means that a company has to hold back dividends in the fat years so that they don't run into yield trap territory in the lean years or they have to have high discorrelation with the market, as it is the fund constituents generally have both low yields and high discorrelation.
Any time the market drops 5%+, I try and buy. Put another 3K into VDADX today.
Yes, a decision to pay shareholders with dividend cash is somewhat like a bribe. But the same could be said about bond coupons, which in theory could be promised on maturity date and not sooner. Ultimately, there are always people who need some money by a certain date/on a schedule and thus have a use for investment choices with structured payouts. I believe the paper offers some real-world data behind a possible decision to invest in Vanguard's VHYAX(VYM) and/or VDADX(VIG). I have been doing so even though I read it and am aware of the paradoxes inherent in "[reaching for dividends](https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2678958)". The utility of some money in the hand vs total return in the bush is real for me. I believe that paying regular dividends imposes a certain amount of discipline on a firm. (I also believe that "growth" will be regressing to the mean in the next few years and am fine tilting towards "value" at the moment.) The paper also touches on "just high yield" vs "yield growth over time". People have looked at data for that, too: * (2012) [OSAM Research: Dividend Yield vs. Dividend Growth](https://www.osam.com/Commentary/dividend-yield-vs-dividend-growth) and more general "shareholder yield" as a means to compensate for the fact that US dividend taxation varied over time, with advantage shifting to buybacks over time, etc: * (2016) [Why ‘Shareholder Yield’ Beats ‘Dividend Yield’](https://mebfaber.com/2016/08/10/9774/) This topic is surprisingly complex and full of data contradictions. I deal with them by viewing high dividend tilt as a form of value tilt.
I've been under leveraged and under investing the last few years, saving money to buy a house (which I know will not happen now thanks to obscene prices and rising interest rates), so I added $10K to my VFIAX holdings last Thursday because it was approaching -20%. Will add another 15K if it hits -30%, and 20K more if it hits -40%. Gotta leave a year's salary in the bank for a safety net, but as long as I have that, I'll keep adding to my all my positions, all the way down. VTSAX, VTWAX, VFIAX, FNMCX, VDADX.... They'll all come back to all time highs EVENTUALLY, as they have for every crash the last hundred years, and when they do, I'll be back up to my Jan 1 net worth well before the market is back at it's Jan 1 all time highs. DCA is the way. Stressful as hell while it's going down, but you've got a higher chance of being hit by lightning than being able to time the bottom so.... just keep adding to highly diversified mutual funds. It's boring, but it's been time-tested to be the safest strategy in the long haul.
Meh Ima just gonna shift more into commodities and VDADX or other high dividend mutual funds.
> However, due to the fact that most dividend-paying companies tend to be mature businesses with a track record of profitability, dividends tend to be somewhat more of a sure thing than price appreciation itself. As Peter Lynch once said, it is far easier to estimate a corporation's future dividend payout than it is to predict the same company's future share price This is why over half of my portfolio is in VDADX. It is not for the yield itself but the time tested quality of the companies which comprise this index fund. It is a very cheap way to gain exposure to the very best and most secure companies the market has to offer.
Yep, that could be. I never knew about anything else converting into VDADX but of course that doesn't mean it never happened :) This might be a detail worth pursuing at some point because if you ever went to sell that position, you could end up paying more cap gains than you should. Sometimes when brokers do a transfer they fail to move over the original cost basis, and the IRS is only too happy to take them very literally
I think it may have something to do with the fact that I initially held those with Vanguard -- but wanted to consolidate and migrate it to TDA -- it's possible they were in VDAIX first -- but when transferred ii inherited legacy performance... something like that anyway. ​ Long positions Date Transaction Qty Cost adjust. Cumulative shares Cumulative cost 07/29/1 Conv InOut(cust) (VDAIX) to (VDADX) 417.642 1,342.91 417.642 1,342.91
How is it even possible that you have a 10-bagger on VDADX? That fund has been around less than a decade and its price has not appreciated that much, even if you bought the very day it opened to the public.