VFIAX
VANGUARD 500 INDEX FUND ADMIRAL SHARES
Mentions (24Hr)
0.00% Today
Reddit Posts
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
My father in law is 87. He has been fully invested in vehicles like $VT and $VFIAX and the like for his entire working life and retirement at 55. He always keeps three years living expenses in cash and the remaining always invested long. He’s a multimillionaire of course because he didn’t do a damn thing but stay fully invested except for the cash in his checking account. This means he lived through the October 1987 crash, the dot com crash, the 2008 crash, the 2020 crash….he simply stays long. If he can do it, we can all do it. I asked him what his strategy was…what his secret was….he said…it’s simple…I stay long and ignore everyone and all market conditions.
The VFIAX I DCA into is up like 15% on the year? My account is up 33% because of DCA. Invest the peaks and the valleys
I've been sitting in 25% cash for a while now, waiting for opportunities that I never had the balls to capitalize on. Obviously I'm bummed to have missed this years gains, but it is what it is. With my current allocations in mind, where do you think I should deploy around $300,000 of the funds currently sitting in a money market fund? My world exposure is low, as is my total market compared to my SP500 exposure. I'm comfortable with my current crypto exposure and would not want to increase this (purchased this at $3000 so riding it out). Would you just split the funds between world and total market, or do you think there are better places to put some of this money considering my current allocations? VFIAX (SP500) - $1,091,000 - 54.5% VMFXX ($435,000) - 21.7% VTSAX ($246,847) - 12.3% Bitcoin ($120,000) - 6% VTWAX ($108.968) - 5.4% Some details that may be relevant. 36 years old, married, no kids, unstable job currently earning $600,000+ but could see a decent drop soon depending on how things go in my industry. 400k mortgage @ 2.4%. Spending roughly $150k this year, but about 50k of that is related to business expenses that wouldn't be there without our current job.
Look into putting some in mutual fund like vanguard. VIGAX and VFIAX
All my money tied up in VFIAX NBIS and RDDT. I can't handle more than three things at once
Hello everyone, I'm just starting to invest into a Roth IRA and I'm wondering where to put my money (let's just talk percentages). I don't mind a riskier 70/30 or even 80/20 approach, but I'm not sure what funds or bonds are good investments, with an eye towards the long term. I'm looking at VFIAX as a good S&P500 investment, but if you think other funds are better, or know other funds that could diversify this even further, or have bond recommendations, I'd love to hear any of those.
Im 29 and put all mine in VFIAX. We'll be working for quite a bit longer and can weather a few storms yet. Thats my investment logic
Is there any harm in having mutual funds (like VTSAX or VFIAX for ex) in a personal Brokerage account? I keep reading about how I should have ETFs in my Brokerage for tax benefits
I would first….before investing at 18 is create a $10,000 buffer HYSA. Strive for zero debt. Live well under your means. If I had parents at your age or friends to share a place with I would… Next as far as investing I would open a ROTH Account at say Fidelity or Vanguard or Charles Schwab. I would invest in the following dollar cost averaging into $SMH, $VT, $VTI, $VOO but $SMH would be my core…why? The AI Evolution. Go look the at 26.51% average yield since December 2011 inception date. Yes markets will crash, markets will go side ways and markets will soar in your lifetime…..ignore it all and just keep dollar cost averaging from now until you die. Stay aggressively investing your entire life….my 89 year old father in law still is aggressively long in VFIAX and VTI. He keeps three years cash for living expenses in the bank so about $200,000-$250,000. The rest has always stayed long since forever. I asked him…what his secret was….he said staying long forever, dollar cost averaging and absolutely never ever ever market timing. Yes every year he skims only enough to keep the three years living expenses liquid. He hates precious metals, crypto, and trying to pick individual stocks. He keeps it simple and is a multimillionaire for doing what he’s done. He drives an old Honda Civic and lives in a tiny two bedroom duplex with his only wife….key….only wife…married for over 60 years….no costly divorces. They have traveled all over the world. He gardens, drinks beer and wine and they still eat pizza on Sunday nights. The key is above….time proven.
Sell it and put the money in a S&P 500 index fund like Vanguard VFIAX. Don't buy individual stocks unless you are willing to research the company and not guess about their future.
I sold VFIAX when it was at $190. Not all of it but definitely too much. I'm still kicking my 2015 self. 🤦🏻
What are the benefits of an Admiral share mutual fund like VTSAX or VFIAX versus the equivalent ETF like VOO or VT? I own mostly admiral shares in both my retirement accounts and my Brokerage investment accounts.
I just lump summed $50K that each of my children inherited last week. They won’t have access for 9 and 13 years respectively. I had no qualms with that decision, despite VOO (Technically I did VFIAX) seeming inflated.
Hello! I had some cash sitting around that I was too nervous to invest and I finally bit the bullet and did it. Looking for feedback on how I did: IRA - consolidated some old IRAs into one and ended up with the following * VFIAX (Vanguard 500 Index fund)- 40% * VIMAX (Mid-Cap) - 20% * VSMAX (Small-Cap) - 15% * VIGAX (Same as VUG below) - 15% * VTSAX (Total Stock Market) - 10% Brokerage Account - ended up with the following * VTSAX (Total Stock Market) - 26% * VEXPX (Vanguard Explorer Fund)- 24% * VUG (Growth ETF)- 20% * VGSLX (Real Estate) - 10% * VGHCX (Health) - 10% * VXUS (Total International Stock) 10% All other things considered, have a good income for a MCOL area, have an emergency fund, and additional retirement/investment accounts. I just wanted to try my hand at a more strategic approach than "put everything in an S&P 500 fund" (which there's nothing wrong with!) There's some redundancy here due to already having holdings in some funds that I didn't want to sell. As time goes on, I hope to keep fine tuning and rebalancing. My goals are growth without having to babysit the portfolio, hence the mutual funds/ETF approach. I'm also way too intimidated to get into single stocks so this seemed like a more comfortable route. I plan on reviewing monthly and correcting about every quarter or so as needed. IRA is obviously for retirement, brokerage fund is earmarked for retirement/long term growth but might also use it for a house downpayment depending on how things go. What do you think? I tried to prioritize low cost funds, diversifying into new sectors for me like health, international, real estate, etc, and having a mix of large/mid/small cap to try to capture more gains.
S&P500 gives you instant diversification across 500 companies, reducing individual stock risk. With blue chips, you're betting on specific companies. S&P500 is typically lower risk and requires less research. Blue chips need more active management and have higher potential for both gains and losses. For most investors, especially beginners, a low-cost S&P500 index fund like VFIAX is the smarter, more hands-off approach.
Just consistently invest in the S&P 500 like VOO or VFIAX. Reddit is a horrible place for serious advice most of the time because it's nothing but doom and gloom. Everyone thinks they're a master trader and knows what's gonna happen before it does. In April the market had a perfect sale and people were constantly saying "it'll get worse this is just the beginning" and here we are 20%+ later. If you're consistently buying, the ups and downs are moot. Market down? You get more shares per dollar. Market high? Less shares per dollar. Do that over 30 years and it'll be a great nest egg but you have to detach your emotions from your money and what it's intended to do.
Hi everyone. I am new to finances and I have been trying to diversify by Roth IRA portfolio. I recently purchased $500 in VGT but this is what I have so far. What else should I invest in to diversify my portfolio? I’m also looking into VOO, OKLO, QQQ at some point. VFFVX VANGUARD TARGET RETIREMENT 2055 INVESTOR $13,914.93 VFIAX VANGUARD 500 INDEX ADMIRAL $8,419.39 VTSAX VANGUARD TOTAL STOCK MARKET INDEX ADMIRAL $8,682.77
I prefer VTI or VOO ETF or funds like VFIAX or VTSAX, fidelity and Schwab have the same fund and the expense ratios are like 0.05% vs 0.50%. I have come to the conclusion over the last 25 years and more so over the last 10 that fund managers don’t really beat the market and you pay a higher expense for the rate attempt. Their bogey is the S&P 500 anyways, so why go through all the effort. Now there are exceptions like Warren Buffett, Peter Lynch, but those are few and far between.
VOO for my taxable account, VFIAX for my 401(k) and HSA because VOO isn't available. If I had more to contribute, I'd do VGT and VTI. SCHD is also good but I'm prioritizing growth right now.
Long puts can make sense as u/Doodl3s described. But a collar would be a lot more complicated if you are trying to hedge VFIAX/SWPPX positions. A collar in your situation is a synthetic short futures construction. You can use a short combo instead - ie write an otm call and buy an otm put. But the same problem remains - you have to understand how to manage the short call leg. And if you have never traded options before - many brokers are not going to let you write any spreads with naked call legs. If you use long puts - the usual challenge is choice of strike and expiration - that really will depend on your market thesis and/or hedging drag that you are willing to deal with - and that is a personal choice.
I started investing in VTSAX (now moved to VFIAX) in 2020-2021... everyone bought high and had to ages for it to recover. But then it did, and it kept going up... and up....
I believe the equivalents would be: VB = VSMAX VOO = VFIAX
1. Vanguard • AUM: ~$8+ trillion • Known for: Low-cost index and actively managed funds, investor-owned structure. • Flagship Funds: • Vanguard Total Stock Market Index (VTSAX) • Vanguard 500 Index Fund (VFIAX) • Vanguard Total Bond Market Index (VBTLX) • All funds are no-load 2. Fidelity Investments • AUM: ~$4 trillion in mutual funds • Known for: Both active and passive funds, strong research platform. • Flagship Funds: • Fidelity 500 Index Fund (FXAIX) • Fidelity Contrafund (FCNTX) • Fidelity ZERO Total Market Index (FZROX – 0% expense ratio) • Most are no-load 3. T. Rowe Price • AUM: ~$1.4 trillion • Known for: Strong actively managed funds, long-term track records. • Flagship Funds: • T. Rowe Price Blue Chip Growth (TRBCX) • T. Rowe Price Growth Stock (PRGFX) • All funds are no-load I have been in TRowePrice since my early 20s and I am now nearly 60. Market timing is for suckers. And every time I think I can pick stocks, I relearn I am an idiot. Regular monthly money to fill your Roth account is the secret. Extra $ into funds for your savings. (Don’t forget to get your emergency funds set up) — I hope one day 55 year old remembers these days when you committed to your savings and thanks you.
OP’s question is not “why index funds?” OP is assuming you’re buying index funds. OP is asking why would anyone buy mutual funds indexes over ETF indexes. Example why VFIAX over VOO. Ultimately they’re very much the same thing. Mutual funds are designed for automated investing. If you invest exactly $2,000 every month into the S&P 500, for example, you can always buy exactly $2,000 worth even if it includes fractional shares, when you’re talking about a mutual fund. They’re very well suited for 401(k)s and similar retirement accounts, for that reason. Mutual fund prices are also EOD NAV, so they ARE NOT well suited for intra day trading like ETFs. Tax treatment is a little different. Some folks may prefer mutual funds to avoid the bid/ask spread or like wash sale issues that traders experience with ETFs. But at the end of the day? I’ve mutual funds and ETFs. I’m a long term investor. I basically buy the whole market at cap weight and do it every two weeks. My brokerage (IRA/Roth/Taxable) is full of VTI and VXUS because ETFs are easy to purchase and it’s just what I do there. My company sponsored accounts have mutual funds because that’s what they offer. I personally lose zero sleep over whether I’m buying ETFs or Mutual funds. As long as they’re cheap index funds, that’s really all I care about.
I started vanguard brokerage account 2014 shows 13.40% return rate since then. Majority of it is VFIAX. I have some VUG and VGT in it and some other ETFs. I don’t sell and have it set on auto purchase weekly. It was on biweekly but changed to weekly in case in dips.
Just some terminology what may be a moot point Most of Vanguard funds have 2 share classes , they have an ETF version VOO and a Mutual fund version VFIAX . Note they are the "same" fund just one share class is organized as an ETF VOO and one is a mutual Fund VFIAX For long term investing it really does not matter what one you buy, however VFIAX may not be offered at all brokerages . Or you may get charged a fee if you try to buy VFIAX at schwab or fidelity . However at schwab or fidelity you can buy VOO , and holding VOO at schwab or fidelity or RH is the same as holding VOO directly at vangaurd So really for longer term investing it really makes no difference if you open a vangaurd account and buy their MF VFIAX through the vangaurd brokerage , or simply buy VOO through RH (or any other brokerage) Also vangaurd funds are well known and lots of people know their popular funds or tickers, so sometimes when people say "Buy VTI/VOO" they really mean just buy some total market fund or S&P500 fund Fidelity and schwab will offer very similar funds like SCHB or SWPPX that are essentially equivalents to VTI or VOO and the returns will be near identical Now some people hate the vangaurd brokerage website or app , its designed to be simple and boring . Its great for people who just want to contribute $XXX a month/quarter/year and buy index funds. Its not really designed for "trading" or doing research into companies (although they do have some tools) and they will restrict some funds that do not fit the vangaurd style of investing (think some 3x leveraged long or short fund) However some people miss the point, being simple and boring is the entire point. Brokerages like RH want you to trade , buy/sell as often as possible. It will give you all sorts of alerts and breaking news , you can sign up for their news letters the snack that will give daily market updates, my cynical view is all this is to encourage you to trade more, and its been shown on average the less you trade , the better you do. So in the end there is really little difference if you buy VOO on Robinhood or setup a brokerage with vangaurd and buy VOO, or if you buy a different S&P500 fund like IVV or SWPPX, however the vangaurd site does have an advantage of being very simple and extremely boring what may or may not fit your style
There is nothing special about Vanguard mutual funds. They were just the first index funds, thanks to founder John Bogle. So they get a lot of mention. There is nothing to be gained by buying VTSAX over VOO. Do not buy Vanguard mutual funds at Fidelity, as there is a fee for doing so. Buy Fidelity native mutual funds instead. They are absolutely equivalent in every way. VTSAX = FSKAX, and VFIAX = FXAIX, to give two common examples. You can always buy VOO, an ETF, at any brokerage with no fees. And there's no reason at all to switch to mutual funds instead of that.
https://investor.vanguard.com/accounts-plans/iras/roth-ira VFIAX and chill…..bruh
Buy Vanguard 500 Index Fund (VFIAX) in fractional shares in your Roth. Deposit $100 a week. Buy more VFIAX every month. Drip the dividends to re-invest into that fund. If you're 25 now, in 40 years you'll have over $1M to retire on, assuming, of course, the world doesn't blow up first. Don't trade, don't gamble. Just by the Index. The SP500 is the gold standard. This is one of the lowest cost funds you can buy to own it.
VTSAX and VFIAX are solid mutual foundation and they are hard to beat in terms of long-term stability and market exposure. I will make sense to start layering in some single stock positions for added growth and control. If I had $5K to put into a single stock today, I'd go with $GOOG. Alphabet's not just a tech giant-it's a cash-generating machine with massive exposure to high-growth sectors like AI, cloud(GCP), and digital ads. The regulatory headwinds are real, but the company's moat is wide and durable. And it's trading at a pretty reasonable multiple given its potential.
US Treasuries $530k, various, cash flow and savings DISV $300k, April '25, I wanted a big factor tilt VFIAX $215k, this is my wife's 403b and there aren't many options RNMBY $200K, November '24, thought Western security order would be changing w/Trump win. KDEF $200k, March '24, just a bet (a lucky one)
VFIAX and be glad you didn’t lose everything on a high risk investment. A 400% rate of return is beyond very risky. If you want to risk a likelihood of losing big, try SOXL
I saved most of my house down payment money in VFIAX and then didn't even end up using it for my down payment. Gonna let it ride for as long as I can.
I sold about half of my VFIAX holdings around February (when it was at 5600) and moved into European and global ex-US funds. Obviously I haven't done as well since the S&P is back at all time highs, but honestly I sleep better not having everything in the US right now. The other 50% is still there and made up its losses and then some, and these other funds aren't doing horribly.
VFIAX has been great but remember: past performance ≠ future returns Consider layering in some bonds or international to balance the ride
Why does no one talk about VFIAX... idk, its the original Vanguard sp500 maybe?
The first lesson when in comes to buying shares of individual stock: always set entry and exit price levels. If you aren't using a strategy (volume-price analysis, etc) to define these levels then its just better to invest in the index instead ($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