VIGIX
VANGUARD GROWTH INDEX FUND INSTITUTIONAL SHARES
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Taking a 401K loan to invest in a brokerage account?
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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
55% VOO Roth IRA 12% TSLA Brokerage 33% VIGIX 401k Not many choices with splitting up the 401k, VIGIX seemed to be the best based on the options I have. I’ve had all my money in VOO for a while and had some cash in the bank that I recently just dumped into TSLA because I didn’t know what else to do.
Switching my 100% of 401k holdings and future contributions from a target date to growth fund (VIGIX) 15 years ago. Runner up: sticking with options through the first few years of losses. I learn the hard way, but now that I’m through the blow my account due to greed phase, they’ve been a great lever over the past decade or so.
> So, would you be able to grant that buying VDIGX when you expect VUG to tank can be logical? No; that makes no sense to me on several levels. Backwards even. One in that it's coming across that you're market timing or have a crystal ball of prediction. Two, a recession and downturn is something to *embrace.* If I did have that crystal ball and knew that VIGIX was going to tank sometime soon, I'd be putting 100% of my contributions into it.
I feel like I could be doing better but for now here's what I'm doing: 403B: VFTNX VIGIX VIllX VIVIX Roth Contributory: SWPPX SWSSX SWISX Pension: Teachers Retirement 60% of the highest 2-year salary at 30 years
This is pretty much me as well. I want to gamble very badly, but itt’s just too risky atm. I keep maxing my 401K into SWPPX and VIGIX. Other than that, it’s a few small pieces of raw residential land here and there, and some precious metals. Especially silver.
We're agreeing. I'm just looking at it as a "yes-and" situation. It's easy to have too much info and too many options suddenly thrust at you, potentially causing analysis paralysis. All I'm saying is putting it into the market aligned with their current strategy is a smart thing to do while all of that learning takes place. I also believe it happens to be a great long-term strategy (one I'm also using with VTSAX and VIGIX), but OP will have plenty of time to figure out their own plan.
Look at the ten year, if that % is lower than 10% then this fund underperforms the stock market. If it is higher it outperforms the stock market, I hope that helps, VIGIX looked like the best option. Gotta make it simple
Since it's in a 401(k), you shouldn't worry about taxes/penalties: feel free to sell and buy as you please. Admittedly, I'm a fan of Vanguard's growth-focused funds such as VWUAX and VIGIX, but having only VWUAX and an ex-S&P 500 funds in your retirement savings is risky: you are missing out on "non-growth" top-notch companies like P&G and Costco. So yeah, it would more advisable to sell both of your funds and buy VTSAX to replace them.
Wife and I are 27. Looking to switch up our 401k investments. Currently in a TDF for 2060, but don't like the idea of 12% of this being bonds at our age. Should we go all in on large growth like VIGIX? Or split it with a little bit of value or vice-versa?
VIGAX/VIGIX is what I have mostly and it has served me well.
I have a ton set aside in ViGAX and VIGIX and swear by Vanguard Growth.
Presuming you are 35, and you want to retire when you are 60. Use: VFIFX. If you want to follow the S&P 500, use VFTAX. To divest in some other well performing indexes here are some others VTPSX, VIGIX, VMVAX, VVIAX.
>One specific question I have is about the taxes/penalties that I might accrue by selling/trading stocks. >Is there a way to take out money tax-free from the money you make from investing? The great thing about an HSA is that as long as you spend the money on approved healthcare-related costs, you will not pay taxes on any money you make. > Are there penalties for taking money out of an investment too early or before a certain period of time? Nope, not if you spend the money on health care (including your dentist or copay at your PCP or at the ER or anything like that). > Does anyone have any tips, suggestions advice for someone in my position? Once you log into your HSA portal, you should have a list of funds you can invest in. For example, 100% of my HSA in invested in VIGIX (Vanguard's high growth fund), but there should also be a low-fee S&P 500-based index fund in there, such as Fidelity's FXIAX. I would recommend investing almost all your HSA in that, while keeping ~$200-500 in cash that you can use at a doctor's appointment.
>I also went 10% VIGIX because I believe this fund to be slightly more aggressive than VFIAX. It can be argued that VFIAX is more aggressive than VIGIX, since it is value, not growth, that should have the higher expected long term returns. Factor investing starting points: • https://www.investopedia.com/terms/f/factor-investing.asp • https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) Otherwise, seems good. I don't think I've seen many places break ex-US into growth vs value, usually it seems to be developed vs emerging.
List of Options: Stock - (Growth/Income): • 1/3 = Vanguard Institutional 500 Index Trust Stock - (Growth): " 1/3 = Fidelity Contrafund Commingled Pool • 1/3 = Vanguard Growth Index (VIGIX) Equally split 1/3 for these 3 and watch them go up and down. Learn from it.
You're doing fine. I use VIGAX/VIGIX but target funds are good, too.
100% VIGIX in my 403b and 457b , VIGIX is institutional share of VUG
Check out VIGIX (tech etf mostly Microsoft apple)
Try VIGIX I was up 50% last year on that fund mostly Microsoft and Apple heavy
>I’m thinking instead of VTSAX, invest the mega backdoor contribution into VOO for a little bit of variety That's the opposite of "variety" as VTSAX fully includes VOO (plus a lot more). Adding variety to brace would be going outside the US and/or going outside stock based investments. >VIGIX (growth), Long term tends to favor (small and) value, not (large and) growth. >VIIIX (international) VIIIX ISD the S&P 500, which is completely US, not international.
That’s because learning to invest as a normal retail investor is dead easy to do legitimately, but most people aren’t happy with realistic returns so they chase some fantasy and either get lucky or get burned. Investing as a normal retail investor: Option A: buy a broad market index, VOO/SPY, VTI, VIGIX, etc Option B: buy stock in a handful of large, well established, and profitable companies (pick from the top 100 or so of the S&P if you don’t know where to start, or pick your favorite IRL company and see if they fit the above criteria). Don’t day trade Don’t swing trade Don’t trade options ^(*see below*) Don’t buy and sell on a whim or because of some headline Extra on options: there is a small area within options where a normal person can make reasonable trades, typically revolving around buy long dated deep IMT call options on blue chips, selling short dated OTM call options on stock you own, sell cash collateralized short dated put options w/ strike below the market price, or similar. This can get somewhat complicated but if you’re interested then there some good resources online. Hint: if the resource looks exciting it’s probably a trap, if it’s a bunch of weird and specific definitions and some numbers then it’s probably a decent starting point
First off, a 401k has limited investment options so it depends on what your company offers. Also, the biggest drag to investments are often fees so check which funds have high expense ratios or not. There's almost always a plain Jane S&P 500 index fund with a very low expense ratio in the mix and for someone you age going 100% in that for quite a long time is usually the best option. Sector investing is a crapshoot. VIGIX is probably fine but I feel the very best combination of potential gains and least risk is investing in the entire market. The S&P is usually the widest net you can cast within a 401k so I say just go with that. Check back in about 10 years prior to retirement to start adding bonds.
I'm in the > $100K+/year club for work but I live in LA and have a wife and kids so it's basically nothing and I feel poor. With that said, my company matches 100% of contributions up to 8% so I take advantage of it and put 8% automatically into Fidelity 401K having just finished DCA about 40% of total from FNBXX (money market) to the following: 52% FXAIX, 33% VIGIX, 15% VIMAX. Of my total paycheck, after pretax deductions I receive roughly 58% (feels like robbery). Still, I take $250 paycheck or $500 month to go into my personal accounts which is roughly 11% of total salary. So, there you have it. Being responsible with 8% of salary to 401K and semi-irresponsible with 11% to personal trading accounts for a grand total of \~20%.
You should buy some VIGIX or something
All of my employer match and a good chunk of my contributions go into Fidelities 2055 fund, VFFVX. It's like, 10% bond, 35% foreign stock, 50% domestic. I put a bit into VIGIX (and swapped some VFFVX over to it over 2022 during the downturn) which is the Fidelity Growth stock fund which is something like 98% domestic stock, a bit riskier. I figure I want the 2055 fund for most of my stable future, but i'm willing to put a decent chunk into growth bets at my age.
Cut 60% of VIGIX in 401K on Friday as last week finally put me in the green since starting that position in Feb 21' (+2.5%). Planning to jump back in after a 10-15% correction which will most certainly come in the next month or two. Really don't see a scenario for a major crash as the worst is probably behind us (22') and the fact that we've already been in a recession for about a year and are working our way out of it (2 quarters of neg GDP -- whether they admit it or not).
Why not buy VIGIX when you're ready? Isn't it Amazon, MS, Apple, etc?
Whats wrong with VIGIX or VVIAX.
Heavy in VIGIX, which is heavy in tech. Obvs it’s been a tough year. Keep holding or cut my losses? Feels like tech will rebound and I should DCA but sometimes I question if the wait is too long and I’d be better off making a love to something else
Since you’re under 50 I’d just dump everything into VIGIX. Low expense ration and you want to max your growth while you still have time.
Brother, I am 100% VIGIX and feel your pain.
I have most of my 401k in VIGIX. It’s a growth index fund heavy in tech. I know tech is down right now. What I don’t know is if I should just wait this out or sell VIGIX for something less tech invested?
In 401k: 25% each in BTMKX, FXAIX, VMCIX, VSCIX In HSA: 20% each in VASIX, VIEIX, VASGX, SWSSX, VIGIX In taxable account: 100% AAPL, DCA at ~$148 401k + HSA are ~50%, Taxable account is ~50% of total holdings.
VIGIX - Vanguard Growth Index Fund Go for this one. It is good time to buy growth stocks for retirement because they are 20% cheaper than their all time highs.
total market and S&P examples VTI, FZROX, VINIX, VIGIX,