VFWAX
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ADMIRAL SHARES
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I’m trying to feed the weights in a portfolio analyzer. But these tickers are not recognized hence curiosity on why. For example VWRP - if it’s all world etf - if it’s ex-US then normal sec would be VEU or VFWAX - if it’s total world then VT or VTWAX So how did you get the VWRP option?
I'm DCA'ing into both the S&P and VFWAX (Non-US Equity index.) for the next year from money I took out from equities in Feb and put into a money market. YMMV.
Yep. I think you’re right and we’ve got a fall still coming that will make early April look like child’s play. I moved my money into foreign bond and equity funds, though. VFWAX and VTABX.
I put all my money in funds outside of the US. 60/40 of VFWAX and VTABX. Now I can sleep again knowing all the random orange tweets have little effect on me. US has also had the world’s highest valuations for a long time, so this is also value investing. My job/future earnings and eventual Social Security (if it’s not given away in a bigger tax cut for the billionaires) are all in dollars; good for my investments to diversify away from that.
I swapped a big chunk of S&P for VFWAX (foreign blend, no US equities.) Been a good counter-weight so far to the rest of my portfolio, keeping total volatility down a bit. Gonna leave it there for awhile.
The only investments I have at the moment are in retirement accounts. I’m up 4.82% in my Thrift Savings Plan and up about 5% in my Roth IRA at Vanguard. On February 19th, I moved all of my funds in the Thrift Savings Plan to the G fund (government securities) and all of my Vanguard funds into the Money Market Account. In my TSP, I moved 5% to the I Fund on April 8th, and that has been helping me a bit. I plan to move more eventually. With my Vanguard funds I’ve moved about 1/2 my funds over to VFWAX (International ex-US stock fund) over 5 different transactions between 3-14 and 4-16. I don’t really have any individual stocks anymore, so maybe I shouldn’t even be posting in this sub.
What happens to international mutual funds (e.g., VFWAX, etc.) held in US Dollar denominated accounts if the dollar continues to devalue?
What happens to international mutual funds (e.g., VFWAX, etc.) held in US Dollar denominated accounts if the dollar continues to devalue?
I didn't have many options as they are provided by the 401k provider, the options were VEUSX, VTMGX, VFWAX, VPADX, VTIAX, VIAAX, or VFSAX. I choose Vanguard European Stock Index Fund Admiral Shares (VEUSX). You have to decide what is best for your risk tolerance and when you plan on retiring. ABOUT: This index fund provides investors low-cost exposure to the European stock markets. The fund holds more than 1,200 stocks across the European region, which makes up roughly half of the non-U.S. equity marketplace. In addition to stock market risk, the fund is also subject to currency risk and may have a higher degree of country risk than other international funds, since it invests solely in stocks of European countries. Long-term investors seeking exposure to European equities may wish to consider this fund as part of a diversified portfolio.
They're nearly identical investments. I just prefer mutual funds because that's what all of my investments are in, and I don't care about a .03% difference. Although VXUS is not really the direct pair to VFWAX. VEU is the ETF version. VXUS holds more small and mid caps than VEU/VFWAX, but ultimately the performance is almost identical.
I have no idea, but I have upped my purchases of VFWAX (Vanguard EX-US) this year. Main reason is that compared to the US market, the valuations look downright juicy. That said, I am still no where near what market cap balance would be, but I'm getting closer. I generally prefer US markets, but at nearly twice the price of EXUS markets, I think upping the percentage of international makes sense.
I have a 401K account all invested in a retirement date fund. I’m pretty young and think it would be better elsewhere? I want to move the money to another fund but not sure which. I’m seeing VFWAX, JVMRX, VIGAX, VVIAX, and PFORX as options. Are there any I should avoid or which ones are recommended?
Depends on what kind of diversification you're looking for. VTI is every publicly traded company in the US. So it's as diverse as you can possibly get for domestic stocks. You can add in international stocks if you want with VFWAX (FUND)/VEU(ETF). Or you could just buy a single world index that grabs both with VTWAX(FUND) or VT (ETF). Then you get into other asset classes. You can add treasury bonds, you can add all bonds, you can add precious metals, you can add international bonds, and on and on. You can get as diverse as you could ever want pretty easily, but other than bonds there's no real clear data that it makes you a better risk adjusted return to add all of that. Thus the 3 fund portfolio. VTI domestic, VEU international, BND for US bond market. As a general rule, some mix of those 3 will be appropriate and VEU is optional.
As others have mentioned, the main benefit of Wealthfront is tax-loss harvesting, but you can do this yourself without much difficulty, so I don't think it makes sense to move any money there. Are you familiar with tax-loss harvesting? If so, you can ignore the rest of what I'll write. If not, it's just a basic piece of portfolio maintenance for taxable accounts. The first step is to set the cost basis in your taxable account to SpecID. This allows you to select specific lots when selling or exchanging funds. After that, it helps to turn off dividend reinvestment, as that can cause wash sales (a temporarily disallowed loss). Wash sales are not illegal, but they reduce the benefit of tax-loss harvesting. We have the dividends sent to our checking account to be spent or reinvested later, but you can send them to a money market account or elsewhere if you prefer that instead. From there, select one or two tax-loss harvest partners for your taxable investments. For VTSAX, VFIAX or VLCAX will probably work. For VTIAX, you can use VFWAX or VTMGX. When markets are down significantly, take a look at all of the individual lots for each of your funds. Select all lots with losses and exchange them for one of your tax-loss harvest partner funds: example - VTSAX for VFIAX. If, in the future, your tax-loss harvest partner fund also suffers a loss, you can exchange those lots again for your third partner fund. If your third fund also suffers a loss, and 30 days have elapsed since your first exchange, you can then exchange back into your original fund. Good luck.
I use IXUS, VFWAX, whatever are in thosevare my EM exposure.
Yeah, tax loss harvesting has little downside. The first half of last year was an excellent time to do some TLH. I was able to switch from VTSAX/VTIAX to VFIAX/VFWAX and then back again about two months later and locked in enough capital loss to apply the $3K credit annually for the next decade.
Mutual funds or ETFs is basically a wash. If your broker does not allow fractional shares, do mutual funds. Otherwise, it's a coin toss IMO. The three funds you mentioned are all ETFs btw. VTI mutual fund equivalent is VTSAX, VXUS is VFWAX, VOO is VFIAX. For the purpose of my description of the pros/cons of these funds, the ETFs vs Mutual Funds are interchangeable. VOO vs VTI/VXUS is very clear cut however. VOO is the s&p 500, which is the 500 biggest US companies. However there are thousands of US companies which are not included. VTI is the total is stock market, which includes the thousands of companies within it weighted by market cap. IMO, you want VTI over VOO because it captures all the small/mid gap movement that VOO does not. VXUS is all non-US stocks weighted by market cap. International exposure is a huge debate in the boglehead world. On the one hand, US has outperformed ex-US in recent decades. On the other hand, that is not always the case, and there are a bunch of major companies like Samsung that you are not exposed to by just US exposure. IMO the US economy seems poised to outperform the rest of the world again in the near future, but that may also be priced in already to the market which would make ex-US stocks have more room to move up than US stocks do. That's a long-winded way of saying there are endless arguments pro and against international exposure. I personally have my stock portfolio split 80/20 US vs ex-US. I know I'm overweight US, it's my own bias. Btw, if you don't care about any of this and want "perfect" diversification, you can just buy the global market (ETF is VT, mutual fund is VTWAX).
There's a couple of things. First, what I want the index to track. So for my domestic stocks I want to track either the S&P 500 or all publicly traded companies (which doesn't matter much, they'll track pretty close). For my international, I want it to track a broad swath of international spread pretty evenly across the globe (this has the most gray area) For my bonds I want to track the entire US bond market. Now once you know what you want it to track, the only differentiator is what the fees are, and you want the lowest fees you can find. So for me that is VTSAX (Vanguard Total Stock Market), VFWAX (Vanguard All World EX US), and BND. VFIAX would be vanguards S&P 500 if you prefer that to VTSAX. Fidelity and the other big ones will offer comparable funds. I'm not sure who is the lowest cost right now, but vanguard led the way for years and is always right there in the lowest cost funds. Sorry it took me so long to get back to you, I haven't been around much the past few days.
By the time you've finished buying everything you've bought - well, you've basically bought everything. Which you can do much more simply by buying VTSAX & VFWAX (or VTI/VXUS if you prefer). I would sell everything and start over with a much simpler portfolio, then *maybe* add a sector-specific tilt or two if you feel like it.
Do you understand tax-loss harvesting? I put the money from the sale into VFWAX, which rebounded the same way VTIAX did. I came out the same as I would’ve otherwise, except this way I can defer cap gains tax on my next $70k of cap gains.