VFFSX
VANGUARD 500 INDEX FUND INSTITUTIONAL SELECT SHARES
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He’s 100% equity. Which is aggressive. VOO and VFFSX are a giant double dip so he’s also not spread out in his choices.
I combined all the retirement accounts if you want a better breakdown I have 17k in my HSA in VIGIX, 238k in my 401k all in VFFSX, 106k in my Robinhood mostly VOO, 47k in my Roth IRA mostly VOO. I just simplified it for the post and combined it all into one bucket of approx 400k as VOO. Also my company allows mega backdoor for 401k and has 50% company match so am able to put in around 70k a year into 401k
Might rebalance my 401k to FDRXX to preserve earnings, but I will continue my normal 401k investments in VFFSX. Then I’ll rebalance back in the market once the administration runs out of disruptors and it becomes more stable.
>Different dates may explain it. Yeah that seems likely. Here actually, if you go to the [trust page](https://institutional.vanguard.com/investments/product-details/fund/2040), price & performance, and toggle to '12/31/23', you'll see the 2023 performance is 26.28. Compare that to VFIAX's 2023 return of 26.24% on [Morningstar](https://www.morningstar.com/funds/xnas/vfiax/performance). >And even though I can’t see my dividends I can rest assured they are being reinvested for collective investment funds? 100%. They're reflected via an increased price of the NAV. Whereas a dividend distribution lowers the NAV but then you reinvest and buy more shares. Even look at this from the Trust fund page: >Expected to achieve its investment objective by investing in Institutional Select shares of the Vanguard 500 Index Fund "Vanguard 500 index Trust Select" is [VFFSX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vffsx) . So in a sort of roundabout way, your "500 index trust" is invested in VFFSX which does issue dividends like all mutual funds. I'm guessing you work for a megacorp: they basically used their size to "buy in bulk" for a discount. So you get the 0.01% 500 index fund, whereas an IRA investor gets VFIAX for 0.03% >It’s a bit unsettling not to see any dividend reinvestment when the ticker online says I should be getting them. Also 100% fair. IMO the industry doesn't do the best job of explaining it. If they provided a basic 1 page explanation of "hey I know you're used to dividends, well this fund won't have them but here's why it's not a problem..." then it would solve valid concerns like this.
How much should my employer-matched Fidelity 401k portfolio differ from my personal Vanguard Roth IRA? About 30% of my 401k is allocated to the S&P 500 via VFFSX. I also recently started contributing to an old Roth IRA that hasn’t gotten any love in years, and most of what l’ve put in so far has gone to SPLG (which also tracks the S&P). Should I switch it up and do something else with the Roth?
VBIAX has done about 7.6% per year with divs reinvested since 2004, same with since 2014 (past 20 and 10 years). VFFSX has done 14.2% per year since it started (2016) If you’re okay with this investment doing 1/2 of the S&P 500s, then sure go for it. But if you think you’re going to be disappointed by that, go with VOO.
Whoops! You're right. I take it back. You can then do a mix of all three to make the 3 fund portfolio. Although nothing wrong with VFFSX 100% tbh.
VFFSX - Same as VOO, 0.01% fee (basically free) - My top pick VIEIX - Same as VXF (Extended Market, this is every stock not in VOO, in the US) VTSNX - Same as VTI (Total Stock Market, you buy every stock in the US). My 2nd pick. The rest are all kinda bad. You can add bonds, but you seem young, so I'd just go all stocks at this point. Sad you don't have any good international funds, but c'est la vie!
Thanks for the info, I’m leaning towards 70% VFFSX/ 30% VPMAX.
VFFSX is an SP500 index fund. It will give you exposure to a lot of tech companies. VPMAX is an actively managed large cap fund BUT it operates very cheaply and has demonstrated its value. If I were in your shoes I would use a large portion of the SP500 surrounded by smaller portions of VPMAX, an international fund and a small cap fund.
Out of these two, 100% VFFSX. If they have an international mutual fund, you should take at least 20% of that.
Roughly 25% each AMZN, MSFT, and GOOG. Of the remaining 25%, about 80% of that is in VTI and VFFSX, and the rest is scattered around a bunch of things, including some ETFs that avoid the top concentration, and some treasuries, money market, and a couple bucks in crypto. I can’t say I’d recommend being so heavily concentrated in tech but it’s worked for me. I was almost knocked on my ass in 2008. I had just bought a house immediately before the crash with a 3% down payment and I could barely afford my mortgage. I crossed my fingers every day that I didn’t get laid off. My job hopping started in 2012. I got granted 4500 shares of AMZN at about a $30 cost basis per share. Since then it’s been like a rocket to the moon. It takes time and patience and resolve to just never sell. And it takes a shitload of luck. I hope you get lucky too.
Option 10 I believe is VFFSX, which tracks the S&P 500 very very closely. That's definitely what I'd pick.
\#10 is likely VFFSX which is a straight S&P500 fund with a low ER (0.01%). The 10 year return for the SP500 is 12.03% (MAFOX 13.26%). In comparison for 2022 it was down -18.13% (MAFOX -38.06) and it 2023 it was up 26.28% (MAFOX 52.69%). Past performance is not an indicator of future performance of course. But if you want to be aggressive than a large cap growth fund is that choice. This has been my personal investment choice over the last 10 years (VIGAX, VUG, VONG, SWLGX) and I have been happy with that choice.
In a brokerage, ETFs (in theory) can have lower tax drag. That's irrelevant in a retirement account though. ETF prices update all day, mutual funds just once a day. Sales of ETFs tend to happen immediately, mutual funds take a day for the money to settle. You may have to be whole-numbers of shares in an ETF (depends on brokerage rules), but you can usually buy partial shares of mutual funds. Sometimes companies will have different versions of the same fund depending on how much money you throw around. For instance, your 401k or pension fund might invest in VFFSX, which is the same as VFIAX except with 0.01% expense ratio instead of 0.03%.
That's not true because different share classes of the same fund have different yields. My data source shows 1.6 for VIIIX and 1.56 for VFIAX which lines up. VINIX has 1.58 and it is the same fund as VIIIX. VFINX has 1.47, VFFSX has 1.59, and VOO has 1.57 but they are all the same fund as VFIAX.
Interestingly, I would have assumed they are the same fund but they actually aren't. VINIX and VIIIX are the same fund, and VFFSX, VOO, VFIAX, and VFINX are the same fund. The first fund respectively has $238 billion AUM and the second $284 billion.
Losing money in the stock market, it's a bitter pill to swallow My VTSAX, VTIAX, VFFSX, VTSNX, they ain't worth a dollar ETHUSD, BTCUSD, they ain't worth a dime ARKK, PYPL, ARKX, NCLH, CCL, they've all lost their shine
Critique my 401k set-up please! I'm in my late 20s, single. Max out my 401k in pretax every year, and throw extra 20-30k to mega backdoor Roth. I chose pretax over Roth because my tax rate is > 30%. My 401k investment selection is - 60% target fund 20% VFFSX (Vanguard institutional 500 index trust, large cap) 5% Artisan Mid Cap 5% VTWG (Vanguard Russell 2000 Growth index, small cap) 10% VBIPX (Vanguard Short term bond index) Any suggestions to further improve my setup is deeply appreciated!!!
Vanguard has my 401k (VFFSX), so when I saw them holding ASTS (1,853,238 shares), I bought in.
37, started investing in an ESPP at Apple in 2010 that now holds $60k. I also put money into a non-Roth IRA that now holds $71k in VFFSX (another perk of Apple’s investment opportunities). Still feel absolutely terrified I’m going to be penniless.
VFFSX is up 23% YTD before adjusting for inflation. My wild guess is to check your 401k fees. There is no way the majority of your 401k is up only 2% with some horrible fees eating it away if you invested heavily into VFFSX.
Year-to-date VFFSX is up 23% (before adjusting for inflation). Seems like bad timing or some poorly disclosed 401k fees.
Mainly VFFSX. Also VIEIX and VDIPX
Need to setup my 401k allocations - I am 39 and below are the options given to me: ​ Baird Core Plus Bond Inst BCOIX Vanguard Wellington Fund Admiral VWENX Dodge & Cox Stock DODGX Vanguard Explorer Fund Admiral VEXRX **Vanguard Instl 500 Index Trust VFFSX** **Vanguard Mid-Cap Index Inst Plus VMCPX** **Vanguard PRIMECAP Fund Admiral VPMAX** **Vanguard Sm-Cap Index Inst Plus VSCPX** Dodge & Cox International Stock DODFX Vanguard Real Estate Index Institl VGSNX **Vanguard Target retirement funds**... I did take an initial view, It seems the bold ones I highlighted could be considered? It seems the 500 index or target retirement are sufficient to allocate 100%? Or should I put some in the "cap specific" funds too? I do have enough international funds on my ira so I dont need it here. Thanks!