VFIAX
VANGUARD 500 INDEX FUND ADMIRAL SHARES
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Question about moving money from one index fund to another
Vanguard roth won't let me set up auto investment to SCHD
25, long hold, should I invest in target date funds or VFIAX? VOO or VTI + VSUX?
Rate my portfolio please: 30% VTSAX - 25% MSCI - 20% QQQ - 15% VLXVX - 10% SUSA
I have a Vanguard self managed brokerage account. Take a look at my holdings.
Am I spreading my portfolio too thin without actually adding any diversification?
Same ETFs, does it matter regarding performance and fees?
Should I go higher on VFIAX in my company matched 401k
Solid data comparing S&P500 index returns to Total Market index returns over the last 30 years?
Debating adding dividend position and adjusting stock portfolio allocations
Recommendations for long term stock portfolio involving index funds.
VFIAX vs VOO, what are the differences to buying a fund vs an ETF?
Why does VOO have lower expense ratio than VFIAX?
What would happen if a Billionaire wanted to invest billions in a mutual fund like VFIAX?
How long do you think it'll be before an AI will be able to crush the stock market?
VFIAX vs. VTSAX - Vanguard 500 vs. Vanguard Total Stock Market
Which one would you pick? VFIAX (0.04%) vs. VIIIX (0.02%)
Requesting assistance with Vanguard index selection for HSA
20% of my portfolio is in cash. Continue to hold for now or invest in long term ETFs?
Wash sale rule "substantially identical security"
Investing to set it and forget it: Roth IRA, general investing account, or both?
Investing in ETFs... good to have both a Roth IRA and general investing account?
Is it dumb to put all my money in these four funds?
What's the ultimate difference between VFIAX and SWPPX?
Too many mutual funds, analysis paralysis. Seeking input
VFIAX vs VOO, Why Not Identical Performance between MF and ETF? I own both.
Differences between Vanguard S&P 500 offers (and better understand the market)
Do ppl usually invest in either an index fund (VFIAX), the ETF version (VOO), or both?
Mentions
VFIAX and be glad you didn’t lose everything on a high risk investment. A 400% rate of return is beyond very risky. If you want to risk a likelihood of losing big, try SOXL
I saved most of my house down payment money in VFIAX and then didn't even end up using it for my down payment. Gonna let it ride for as long as I can.
I sold about half of my VFIAX holdings around February (when it was at 5600) and moved into European and global ex-US funds. Obviously I haven't done as well since the S&P is back at all time highs, but honestly I sleep better not having everything in the US right now. The other 50% is still there and made up its losses and then some, and these other funds aren't doing horribly.
VFIAX has been great but remember: past performance ≠ future returns Consider layering in some bonds or international to balance the ride
Why does no one talk about VFIAX... idk, its the original Vanguard sp500 maybe?
The first lesson when in comes to buying shares of individual stock: always set entry and exit price levels. If you aren't using a strategy (volume-price analysis, etc) to define these levels then its just better to invest in the index instead ($VTSAX, $VFIAX, etc). The index takes away all the guessing as you are buying small amounts of all the stocks in the index instead of gambling on a single security.
I guess my answer isn't for you then. I do ETFs, VFIAX and QQQM, (and a small bit of BITB), but my ETF strategy is retirement planning purposes
VUSXX and chill. Although I’d out half of that $150k back in VFIAX, assuming you do t need it for 5+ years.
1. Have 6-9 months of living expenses saved in case of job loss. 2. If your job offers a 401K, make sure you at least put in what they match in the S&P 500 3. Pay off any high interest loans such as credit cards. 4. Max out your Roth IRA which is $7K annually into VFIAX (S&P 500) 5. Max out your 401K, currently $23K in the S&P 500 After you have done all 5 above, it’s up to you what other goals you may have such as save up for a house, start investing is individual stocks, etc. just don’t forget to have fun while also saving money!
Park it at either Vanguard in a low cost index fund (VFIAX) or do what the tech workers do and put it at wealthfront and do their automated index investing program. The idea is to get exposure to the stock market, and just hold it for as long as you can. It will go up and down, but historically this has been the easiest road to millions. Some people would suggest Bitcoin, but it’s a LOT harder to invest in and emotionally really difficult. Then, learn. But bear in mind the vast majority of people lose their inheritance because they don’t know how to manage money. Don’t be one of them. Do not work with a few based financial advisor. Do not. They are the predators of the finance world, and they are everywhere. No-fees (where you pay) can be ok, but most financial advisors do not outperform index funds. Don’t spend any money, don’t put it into real estate, and don’t waste the opportunity. Just keep living your life like it never happened, get it invested, and once you see how 200k generates consistent long term returns every year in index funds and after a few years and starts compounding over time, you’ll be able to work with it. Historically the S&P 500 index has averaged about a 10% annual return. However, remember that past performance is not indicative of future results, and investing involves risks. This isn’t investment advice — you fo you Low fees index funds. Then just kick back and let it ride.
Put it all in VFIAX and say goodnight Or Add a bit of intl total stock market, small cap, value
ETFs and index funds are the way to go for any ‘nervous’ investor. Then you don’t have to sweat over individual companies. Set up with Vanguard and set regular contributions to something like VFIAX (S&P Tracker) or VIGAX (Growth) - or any international or country index that you think may be good. Then you can sit back and not worry about it. Don’t sell or trade these. Time is your greatest investing tool.
Of course I sold all of my VFIAX today before this news
I moved a portion of my retirement account from a Vanguard S&P 500 index fund to a T Row Price MidCap Value fund... 20 years ago. Yes, it grew, but I shouldn't have second guessed myself. Would have been MORE THAN twice as happy: [https://totalrealreturns.com/n/VFIAX,TRMCX](https://totalrealreturns.com/n/VFIAX,TRMCX) If you think / feel that the Mid Cap market is going to trounce the big boys then go for it. Historically, it looks like there are some one-off years where it outperforms, but generally it under-performs the S&P pretty significantly.
I am 85% cash and 15% index funds (VFIAX and FXAIX). I am feeling the urge to get back in. My better judgment tells me to wait until mid-July when the tariff pause window closes. At 69 years old, I can't be driving over the speed limit in the passing lane. But the FOMO dynamic keeps pushing on the pedal.
* How old are you? What country do you live in? **30, USA** * Are you employed/making income? How much? **Yes, about $73,000** * What are your objectives with this money? (Buy a house? Retirement savings?) **Buy a house** * What is your time horizon? Do you need this money next month? Next 20yrs? **Two years** * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) **I'm at about a 7/10 on the risk tolerance scale** * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) **$21,131.56 in VFIAX. $3020.60 in VUSXX. $16,490.64 in VFFVX.** * Any big debts (include interest rate) or expenses? **$17,000 car debt at 1.99%.** I just want to know what is the best Vanguard fund to invest in right now? I am receiving $43,000 soon and was thinking of putting $5k into Vanguard Cash Plus, paying off $2k in credit card bills, and the rest will go into some kind of fund like VUSXX.
Hey all, I am looking to get some clarity on the right balance to target with a four-fund portfolio, diversifying from my current positions to include small-cap value (probably AVUV since that seems to be the gold standard). I am a pretty simple set-it-and-forget-it investor and don't want to complicate things. Currently, I have the following positions in my taxable and retirement accounts: * **Taxable**: VFIAX/S&P500 (75%), VTIAX/Total International (20%), VBTLX/Bonds (5%) * **Roth IRA**: VFIAX (80%) and VTIAX (20%) My new positions would be balanced as follows: * **Taxable** (No change) * **Roth IRA**: VFIAX (60%), AVUV (20%), VTIAX (20%) Are there any additional things to consider when diversifying from large-cap, or is it as simple as throwing 20% into AVUV for the long haul? Is 20% too high, too low, or just right? Please let me know if there is a resource I can follow, as opposed to seeking general public opinion. More info about me: 23 y/o American with a medium-high risk tolerance. My time horizon is 40 years for retirement. My taxable account could be anywhere from 10 to 40 years, which is why I have a small bond position.
\> Target funds are always more conservative than S&P funds Yes, the follow asset allocation guidelines, generally recognized as ideal for a given target age date (for 2055, this is likely 10% treasuries/bonds/target). The allocation also chooses to include international exposure in case the US S&P 500 underperforms \> if OP were 60 ....At 32, I’d say put in the S&P and forget about it. This is contradictory advice; if OP has to check in or make changes at 60, then this is not "forget about it", it is "think about it very much as your life changes, your risk profile changes, consider paying much higher fees to an advisor at some point" \> always cost more in fees Choosing vanguard because of mutual ownership reducing fees VFFVX | Vanguard Target Retirement 2055 Fund | .08% expense ratio VFIAX | Vanguard 500 Index Fund Admiral Shares | .04% expense ratio
Do you mean VTSAX because didn't VTMSX get deprecated? Anyways I use VFIAX personally.
I bought two shares of VFIAX Friday and I'm feeling better about missing yesterday's dip lol
Down \~14% from ATH but still up \~11% over the past five years. 99% in VFIAX/VTSAX.
I was 100% FXAIX when I was with Fidelity. Until I rolled it over to consolidate for retirement into VFIAX. I am retired and I am aggressive. I did get out of the market September 1, 2020, so I missed the bull run for 2021, but I 100% missed the 2022 pandemic collapse. I was nervous because retirement was closing in, and China Evergrande failure scared the crap out of me because of 2008. I still had a lot in my taxable accounts for 2022 though. I went 100% VFIAX February 2023. 2025 is not being fun. #47 and his sycophants and the Congress of Chaos are not doing America any favors.
I'm a cub investor, so I am mostly invested in VFIAX, a Vanguard mutual fund that is supposed to track the S&P 500 index. Can some explain to me why today, 4/11/2025, the S&P 500 index went UP 1.81%, but VFIAX went DOWN over 3%? Shouldn't the performance of this fund, even on a single trading day, closely match the S&P index?
Right, sorry, to clarify, I'm only asking if it makes complete sense to go all in on VFIAX or divide my portfolio up between VFIAX and VTWAX.
So I'm looking to change my 401k portfolio to go all in on VFIAX (index fund) or do 50% VFIAX and 50% VTWAX. For some context, I'm not looking to look at my 401k account. I'm just a set and forget type of guy. Right now, I currently have an IRA that has the following allocation 33.3% - SCHX, 33.3% - SCHD, and 33.3% - SCHG. I'm also planning on setting my HSA to do the same strategy as the above (VFIAX 100% or (VFIAX 50% and VTWAX 50%)). Currently in my early 30's, live in the US, and my goal at the moment is to get rid of student loan debt and then purchase a house. Happy to answer any questions you might have.
I bought $20 of VFIAX on Friday close I feel like a gangsta
By the time it "all blows over" the market will have recovered and you'll be buying your VFIAX back at a much higher price
Liquidated my portfolio today (VFIAX) for a realized loss of -2.9% after buying a year ago. Everything will sit in a money market account for a few weeks while this all blows over.
Is there a way to buy ETFs in treasuries that avoid taxes? If you cannot tell, I’m way over my head. I’ve got about 10k in vanguards VFIAX, and am also considering buying more of that. I’d like to invest more for the long term (5k, to be accessed in about 15 years).
I rebalanced my entire 401k into a stable bond fund on March 7th. I’d been dicking around with the portfolio a lot last year so all of my holdings were from the last 2ish months. My stupidity seems to have worked this time. Now I guess I’ll slowly buy back in to VFIAX at a discount and stick with it for the rest of my life
VFIAX was at $136 in December 2007. It didn't return to that price until January 2013.
Things are currently unpleasant, but I'm not changing my strategy. I throw about $200 a paycheck into VFIAX and buy NVDA/TEMPUS stock when I have the funds. I am in it for the long haul.
Yeah it's incredibly hard to get a gauge even from experts because they're either blinded by love for Trump or think he's regarded. My 401k contribution is still all-in VFIAX and I'm leaving that as-is for now, but might shift some to international stocks. I'm 40% cash in the rest of my portfolio and I plan on buying indices every time they drop 5%. They have to level off at some point right? I'm very tech heavy so I'll probably not average down on those, but I've started putting more money into European energy and ETFs.
Thank you. I have already unloaded for now. But I am really boring... it was SWPPX in my brokerage and VFIAX and TISPX in various IRAs.
My bad - you could be right, actually. I just looked and I'm up 15% past 10 years just owning a few M7 in addition to mostly ETFs. VFIAX returned over 12% past 10 years. A dart throw is not 50/50 b/c of market weighting but I get your shorthand analogy.
It depends. Are you buying mutual funds or ETFs? The main reason to hold your account at Vanguard is if you want direct access to Vanguard mutual funds (e.g. VTSAX, VFIAX etc) without the fees that other brokers like Fidelity would charge you to buy and sell Vanguard mutual funds. If you're only buying ETFs (e.g. SPY, VOO, VTI, etc) then it really doesn't matter if your account is at Fidelity or Vanguard.
You're not overthinking this but you also have no idea how the future will play out. I'm buying and have been continually but I also bought in 2008 and throughout. I don't have a crystal ball but I do have patience and the belief that USA will continue to dominate during my lifetime. So far I've been proven correct. Started with negative net worth in 2008. Now over $3M+. Nothing special, just buying VFIAX consistently.
I invest $500 a week into VFIAX but stopped when the tariff talks started and have been just holding the cash that I would invest on the side. My plan is to wait until I see it start to level off. So far it's looks like it's been a good idea. I know people talk about not timing the market but this seems a little different. I'm a long term investor and I'm 35. Am I overthinking this?
I'm hoping so, I get paid next week. Put my tax return into VFIAX two days ago, so there's that.
Having multiple funds isn’t the same as diversifying. You need to pick funds that invest in different things. VFIAX and VOO are both S&P 500 index funds, so buying both will leave you no more diversified than buying just one. If you want to diversify out of the S&P, you can add small cap companies, mid-cap companies, and international companies. You can also invest in different asset classes like bonds, real estate, and commodities. If you want a quick way to see how similar two fundamentals are, [this](https://www.etfrc.com/funds/overlap.php) tool will show you how many holdings they share. Sadly, it only works with etf.
VOO is an ETF, VFIAX is a mutual fund. They are both index funds that track the S&P 500.
I didn't know VFIAX paid a dividend
VFIAX pays a dividend very close to what the other one pays. Very little difference as I said.
I like being able to buy fractional shares though. I can put an entire $7,000 into VFIAX to max out my roth where with VOO I'd be short of $7,000 with some money left over that isn't enough to buy an entire share of VOO.
I mean I'm on track to have close to $1,000,000 when I retire if I keep maxing it out. That would be over $10,000 in dividends per year in SPLG vs $0 in VFIAX. That seems like a big difference.
You shouldn’t be in VFIAX you should be in VOO. Same same but VOO is 0.03.
VFIAX expense ratio is 0.04%. SPLG has an expense ratio of 0.02%
You don't care about dividends. You care about total return. And VFIAX's will be higher, since its fees are lower.
I like FXAIX because it has the lowest expense ratio. But other popular S&P indexes are SPY, VOO, and VFIAX
Just bought VFIAX with my tax return which tomorrow will end red
Tho we've got a few years on you, the wife and I are in a similar boat. We're at the age of inheritance as we both have large, elderly families and will likely see more as some has already begun. The wife is medically retired and I have a small state retirement as well as VA disability, but I "enjoy" working and have a successful small business that will allow me to be debt free in a few years and put away decent amounts into some IFs, REITs, and ETFs. Below are some that I have and the equivalent shares purchased in 2015 (750k) and their value today. VFIAX 4,000 2.13m FXIAX 10,000 2m DIA 4,200 1.8m WELL 9,400 1.38m
VFIAX will be double in a few years, maybe ten years…
Thank you!!! I am using primarily mutual funds since they are actively managed. I assume they will outperform other passively managed investment vehicles. My Roth consists of VFIAX, VIMAX, FCPGX, and SCHD, small, mid, and large caps with SCHD because I like the idea of receiving money without selling my stocks. In my traditional, I have VTIAX, FSELX, and FCNTX. My 4 months of research got me here. This is my plan. Please don't hesitate to give criticism and your opinion on allocations, percentages, or if I should switch to different stocks altogether. Like I said before, I am starting and don't have much experience, so any advice is welcome.
Hello, everyone. This is my first post ever, and I need some help. I am 25 and started investing in December of last year (When the market was at its all-time high). I am maxing my Roth and traditional IRAs and have 4k in each account. I want some insight from more experienced investors on what I should do. I own some investments that track the SP500, which I bought at its highest. Should I buy more of the SP500 and take advantage of the dip, or should I stick to my plan with smaller caps with a higher upside since that is retirement money I won't touch in the next 35 years? I am employed, making 8k a month. My current holdings are VFIAX, SPY, and FSELX (I plan on buying VIMAX, FCPGX, SCHD, VTIAX, FCNTX, and FBALX.) Open to any feedback
Ordered $60 worth of VFIAX/VOO. It's all I have lol.
Would you recommend that I invest into VOO at the current moment or wait a bit? What are the downsides of investing in just mutual funds? Would doubling up with two mutual funds like VTSAX and VFIAX be wise?
I'm probably about 4 years from retirement and my 401K is suffering. And since Mr. Destructo is expected to be in office for "at least" 4 more years, any suggestion as to allocation? I have VFIAX, which was doing quite well until recently...the same with Dodge and Cox which I also have.
I do weekly automatic investments into VFIAX (among other things) and I'm normally a long term set it and forget it type of guy, but considering all the economic upheaval we're having am I overreacting by but investing for a few months? The differences are going to be fairly negligible but every dollar adds up.
It really all depends how long you plan on staying in the game. If you need that money within the next 5 years or so, you're really taking a risk with all of this uncertainty we're now seeing. If you're playing the long game and plan on holding it for 10+ years, you could wind up doing well. Of course, nobody truly knows. Anyone who says they do is full of shit. Personally, I took some profits and sold most of my non-retirement holdings but haven't messed with my retirement accounts. I left a little in non-retirement (VFIAX) just to see how things play out. It's an amount I'm willing to hold on for the long run, if necessary. It's worth mentioning that you should have emergency savings before doing any investing, especially in a time of such uncertainty. A serious downturn could mean massive layoffs, and you want to have that cash to fall back on if shit really hits the fan. Just my two cents.
VFIAX tracks the SP500, so yeah...it's done very well while intern has been flat or down. Hoping International goes up or at least flat if we have a US downturn.
I just checked and VTIAX returned 27% since 2010, when VFIAX returned something like 300%+. Am I missing something?
So I created this as a thread and it got automatically deleted and was suggested I post here so trying again! I have $50K coming out of a CD that I would like to put to use elsewhere. I am 36M, one kid and one on the way. We have 12 months+ emergency fund in a HYSA, so this is more focused on long-term growth vs needing this money in the short-term. Currently maxing out both my 401k & IRA (combined around $300K in here) and contributing $500/month to a 529 plan which is currently about $50K for our 2 year old. It's important for me that our kids be able to go to any college they want debt-free so investing in that (and for our 2nd kid when he arrives) is a priority. My wife also maintains a separate investment fund that was set up by her godmother who is a financial planner with about $175K in that and she contributes $200/month to. I have about $275K in this brokerage account and invested in the following Vanguard Mutual Funds: VEXPX (Vanguard Explorer Fund): $20K VFIAX (Vanguard 500 Index Fund Admiral): $33K VFIFX (Vanguard Target 2055 Retirement Fund): $22K ETFs: VOO: $85K QQQ: $50k SGOV: : $60K I am a total idiot when it comes to investing, so any recommendations on where best to put this money if I don't need it in the short term? I am also open to any advice on if I should be rebalancing the existing investments.
Last week, sold 50% of my VFIAX for VTIAX. Now at a 70/30 ratio for domestic/international after several years of 90% domestic. Might miss some gains but will sleep better.
VFIAX for my roth, SCHD and GLDM for my long term, and AMZN because as soon as the economy recovers people will start buying things again.
VFIAX and forget about it for a couple years
I have a Roth I max out every year invested in VFIAX
Click here: https://finance.yahoo.com/quote/VFIAX/performance/ go down to "Annual Total Return (%) history" and you'll see the year-by-year returns for the S&P 500. over the very long-term, there are more years with positive growth than years with losses. Historically, over 90% of 10-year periods will see some growth. the S&P 500 is compiled by a company called S&P Global, and it's stock in 500 larger American companies. It's considered a good overall measure for the American stock market.
So is VFIAX more stable?
Might as well sub VFIAX for the JPM growth fund. That way you’re not relying on growth stocks to continue outperformance. VFIAX will capture those shifts and trends over time for you and auto rebalance within the fund. And the holdings are similar right now and it’s cheaper. My two cents
I don’t think the mix is bad tbh. There are degrees of optimizations like if you were 80% nivdia is one thing, but the difference of 40BPS is like rounding errors. Also there are elements of the popular funds people talk about but they are very similar. Example VFIAX that’s the same construction as VOO/SPY/IVV-identical. Your JLGMX is essentially that but with a growth tilt on weights. However it’s at 0.91 correlation (those other ones are at 1.00 correlation) it just means tend to move very closely with each other. the growth fund also had about a +3% in annualized return compare to pure index funds. Only question is how much do you want to monitor it. I’m not saying constantly change it but monitor how the funds drifts as values change over time. I would put a process in place maybe with an online tool to feed in the weightings every 6-12 months to see how countries, cap, markets are weighted. Very 12 months to rebalance back to the original target weights. It does require some work. Or you can just go with a single all world fund/etf and that rebalance work is outsourced.
Thank you, do you think it’s bad that I’m leaving out funds like VFIAX, seems like people generally like that one. Also isn’t the VTI & VFMXX similar?
Yeah, I'm right there with you. Couple that with the US its back on our partners and ostracizing ourselves from the global economy with tariffs... I am heavily leaning into moving a large chunk of my individual brokerage VFIAX to VTIAX. I know I'll be hit with capital gains, but it seems worth it?
Just going to keep adding into my positions, mainly SCHD, VFIAX, and GLDM. Will also be buying more bitcoin. Will look at adding to my NVDA position as well
Focus on personal finance and invest only in boring mutual funds like VFIAX. Never ever trade options or buy on margin. Visit r/BogleHeads to learn more or read the greats like Benjamin Graham
The VFIAX vanguard fund is super tech heavy tho
So I have a few other funds as well. VFIAX fund but my advisor said yes to sell of some Apple to diversify but he said keep a bunch because it will only gain in value long term of 5-10-15 years.
A majority of our wealth is in VFIAX, and that is up 2.78% YTD. Fingers crossed the markets don't pull a whammy on me. We are retired. I am an aggressive investor. No bonds for me, no CDs for me. I would take 8% at the minimum, I need to beat whatever an annuity would pay me as I tell my spouse I can beat any annuity out there. high goal = for every $1,000,000 I want $1,120,000 low goal = for every $1,000,000 I want $1,080,000
My company sunsetted my 8-year vested pension in 2010 and then decided to sell the plan to an insurance company. Fortunately, they offered me a buyout option of $84.5K, so I took it in December 2023 and immediately rolled it over into an IRA in VFIAX. For retirement purposes, I was originally going to use my pension as part of a bond position, but I have no regrets since my gain is almost 29% in 14-months.
VFIAX is a great one. Though I would consider having him set up his own account (or you set up for him). If he wants to access the money 10 years down the line, it’ll likely make things easier and comes at the very slight extra cost for being non admiral.
I personally use Vanguard for my investment accounts. Do you think VFIAX or VTSAX would be a good index fund to set him up in, or do you recommend something else?
Target Retirement fund for my 401k, VFIAX, VVIAX, and VWILX for my non retirement, plus a bunch of real estate.
In January 2021, when I was 18, I decided to put $8,000 of my life savings into VFIAX. Since then, I have added an additional $8,000. Some months I put more in than others. As of February 2025, the account is worth $24,900. My total gains including dividends are just a hair shy of $9,000.
I have done this for years using Vanguard's automatic investment feature using the mutual fund equivalent VFIAX (i believe it is possible with ETFs now). So yes this is a really good investing idea. Keep the automatic investments going and you'll wake up very wealthy one day.
Like I said, look at a chart of VEUSX versus some S&P index fund or ETF; they follow each other and are reasonably highly correlated. Or, you can use a tool like this: https://www.portfoliovisualizer.com/asset-correlations Put in VFIAX and VEUSX. The closer the correlation coefficient is to 1.00, the more two funds trend with each other. VFINX and VEURX allow for a longer time period, and the rolling correlation plot at the bottom is insightful. That until the late 90's there was a looser correlation, but as of late—especially in downturns following 2008 and 2020—the correlation is > 0.9. That all to say that VEUSX is not great protection against US market movements.
VFIAX did and VFINX before that (the predecessors to VOO)
VFIAX did and VFINX before that (the predecessors to VOO)
VFIAX did and VFINX before that (the predecessors to VOO)
Some companies, like Vanguard, have multiple versions of a fund with different fees, so the more expensive version of the mutual fund may slightly underperform the ETF. VOO's expense ratio is 0.03%; VFIAX's expense ratio is 0.04% compared to 0.14% for VFINX.
VFIAX is where it's at
* VOO - S&P 500 - top 500 biggest US public companies * VTI - total market US - all US public companies (including the S&P 500) * VT - total market world - all global public companies (including the US) These are all ETFs. They have mutual fund equivalents - VFIAX, VTSAX, and VTWAX - but the difference between an ETF and a mutual fund is not relevant for you except that the mutual funds have a minimum investment of $3000.
I believe VFIAX is VOO but in mutual fund form .04 expense ratio.
I’m a beginner at purchasing stocks and currently have 38k in VFIAX and 17k in VTTSX. I’ve heard people talking about a crash coming, should I sell some or all of these stocks? With all the news in tariffs am I too late? Can someone explain how taxes work when selling them too?
Right. If I were given that account I'd transfer everything to vanguard and put most of it in VOO and VFIAX. Maybe spread the last 30% through a few other etf's just for the heck of it depending on how much money we're really talking about
Dont forget bear decades! Like 1966 to 1976, -22.5% real return with a -2.39% CAGR (it was up 37% but inflation was so bad that you lost a lot of money). Or 2000 to 2010! For obvious reasons, two crashes resulted in a real return of-8% for this decade at a -0.82% CAGR. Thankfully VFIAX rallied 66% from march 2009 to new years day 2010, which made this time period look alot better. Not to mention 1929 to 1945. After inflation (and deflation), this is a 16 yr period that it took to get your investment back to parity, just for the market to dumb again post WWII for another 5 years.
Are you sure you have VFIAX? Many company plans have Trusts instead of the standard S&P500 funds.
My company 401k only lets me invest in VFIAX, I can't invest in VOO with it.
1. Make sure you have your 6 months emergency fund in liquid cash (HYSA or Money Market) 2. Open a Roth IRA and fund that. Invest in ETFs (I would suggest something like VOO, VTI, or VT, depending on if you want global exposure or not) 3. The rest, put in a normal brokerage account and do the same as step 2. VOO, VTI, VT. Given your age you can also add something like BND to 'smooth out' volatility, but it's not really needed. 4. Set up an automatic purchase program and continue to buy the above on a weekly, bi-weekly, monthly basis. Keep buying through thick and thin. 5. Wait a long time, until you finally retire (say 65) 6. Enjoy your money! FAQS: - Which broker should I use? Any of the big three, Vanguard, Fidelity. Schwab are my picks - VOO or VTI. It honestly doesn't matter, VTI is over 80% VOO and they move in lockstep. Longterm returns are almost identical - Why ETFs over mutual funds? You could just as easily pick VFIAX/VTSAX(the mutual fund equivalents of VOO/VTI). - Feels like the market is too high, should I wait? Time in the market beats timing the market.
Of these options, I'd go 90% VFIAX and then 10% whatever else you think will perform better. Then check in on it in a year and when you realize your 10% underperformed the S&P 500, exchange it to go 100% VFIAX.
VFIAX for max growth, there will be bear years so be prepared to stick it out. VTWIX would be my next choice, encompasses the whole US stock market and international market. r/bogleheads is a good place to start if you're thinking of going that way. If you want to put money in and forget it, do a target date fund because they will automatically start switching to safer investments as you age. Hope that helps, best of luck.