VIIIX
VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL PLUS SHARES
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Is the expense difference between these two funds significant enough to steer the decision?
I have Roth 401K Plan from my company and need some advice.
Set up an UTMA for nephew but VIIIX is saying $100m minimum! What am I missing?
Roth 401k in T Rowe Price and would appreciate insights into my portfolio.
Which one would you pick? VFIAX (0.04%) vs. VIIIX (0.02%)
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>My idea is to keep investing in the S&P 500 for about 10 years it depends on which 10-year period we're discussing. reddit has this idea they're practically guaranteed to get an 8% year return from the S&P 500. but it depends. and most 10-year periods do see a gain. but the gain isn't guaranteed at any particular number. from 2000 to 2011, the S&P 500 averaged under 2% a year and had two drops of ~40%. this chart uses VIIIX. https://imgur.com/a/s-p-500-vs-total-market-index-yZjkS1r so while the odds might be in your favor, it's certainly not a guarantee.
FBALX, FXAIX, VIIIX. VIIIX is in my 403b and I didn't put it there. I know it and FXAIX have a lot of overlap. Thanks
Once you're comfortable doing so, yes. Target date funds are typically higher expense ratios and If you allow active management from your 401k then they will automatically adjust that target date fund as well as incur some small fees when they do those maneuvers. The appropriate Target date fund for my age has an expense ratio of 0.08% +intermittent rebalancing fees as opposed to an index fund I have access to VIIIX is 0.02% and there's never any balance transfer fees because it doesn't move. Target date funds also typically include bonds that are adjusted for your age, but that's the thing you have to believe in bonds too and I think times have changed personally. The target date fund 5Y and 10Y performance that I have available is 12.2% and 9.4% while VIIIX has 16.6% and 13.6% and at least for what I have available. I find that all long-term returns are worse on the target date funds over putting together your own mix of index funds because these index funds don't include bonds which drive down the returns and are supposed to hedge you to safety to a degree, but again I don't find that to be necessarily true in recent years especially
Not sure if this is right place to put this. I'm finally starting out investing and using retirement accounts. I've done a bunch of research. I've got about a 32 year time horizon. I've never really asked for advice about this stuff. Here is my allocation: Roth IRA (represents 40% of my total portfolio): 35% FNILX (broad large cap) 30% XMMO (mid cap momentum, overweighted here because I can't get this in my other accounts) 15% AVUV (small cap value) 15% FZILX (broad international, developed and emerging) 5% AVDV (international small cap value) Roth 403b (represents 20% of my total portfolio): 65% VIIIX (S&P index) 15% DFFVX (small cap value) 20% VTSNX (broad international, developed and emerging) Roth 401k (represents 40% of my total portfolio): 65% SWPPX (S&P index) 15% DFFVX (small cap value) 10% SWISX (broad international, developed) 10% DCEFX (broad international, emerging)
That's a lot of money for a 27 year old. Nice. \- Holding SGOV is a perfectly reasonable emergency fund. That's also a lot of money for a house- if you can get a favorable interest rate without putting $200k down (which you should), you'll probably be better off investing some of that money. It's fine to wait until after you move to get firmer handle on housing costs and expenses, though. \- There's no reason to \*not\* max your Roth IRA with such a large brokerage account, IMO. Move money (long term capital gains) from your taxable to the IRA at the end of the year if you haven't hit the max via your normal, budgeted contributions. \- As a smaller thing, why split VOO/VXUS (no US small- or mid-cap) in the taxable but VT (no international) in the HSA? Why a Target Date fund in the 401k (higher fees + 6% bonds on a tiny portion of your overall portfolio)? These are all good investments, so you aren't doing anything "wrong" per se, they just don't necessarily line up. For the 401k, for example, using VITPX + VIIIX (basically the mutual fund versions of VT and VXUS since you apparently have access to Vanguard mutual funds), would cut your 401k expenses down to a quarter of what they are with the TDF and be more consistent with your other accounts.
Some aren't as costly as you're making them out to be and also it's sometimes what is available to you. If I want to take advantage of my matching and tax advantage that comes with my 401k, then I'm required to hold the funds that are available within the 401k to begin with. So I hold VIIIX in my 401k that's a mutual fund and it's expense ratio is only 0.02%. I don't have access to something like VOO available to me within there and even then VOO has a higher expense ratio if I did
I shifted a lot into the market (VOO/VIIIX) in the recent downturn. Cost-average buys: +19.1% VIIIX +16.5% (Two buys went in too early). VOO +22.2% Friday's high was +0.8% more than Feb 19 high +28.4% from Apr 7 low Biggest mistake was not shifting more money from fixed income. That's why I looked at annuities & decided not to use them.
>I have considered just putting it into the S&P 500 from 2000 to 2012, the S&P 500 averaged under 2% a year. this chart shows total return for VIIIX, a VOO equivalent. https://imgur.com/a/s-p-500-vs-total-market-index-yZjkS1r
I've made respectable gains that match the broad US stock market gains. I'm invested in a total US stock market index fund (VTI) in my Roth IRA and an S&P index fund (VOO through VIIIX) in my 401k. Could I have made more by investing in NVDA or tech ETF QQQ? Absolutely, but it would have been at much higher risk and volatility.
i made 2-3 year of profits last week so i'm hoping for another S&P dropping 10-15% drop ***“to be fearful when others are greedy and to be greedy only when others are fearful.”*** \- Warren Buffet jumping in and jumping out whenever it's green .. if I'm stuck then I'm getting dividends pay anyway.. hard to resist VIIIX being 10-15% off !!
>and anyone who got scared or greedy is losing out on money. are you trading on margins ? my 401K does not have a lot right now but i got $6000+ extra from last week for just moving the money to VIIIX when it dropped 8% and moved it back to cash when it jumped 9.5%.. 2-3 years of interests in a week.. i'm ready for another dip ***“to be fearful when others are greedy and to be greedy only when others are fearful.”*** \- Warren Buffet
surprisingly my brokerage account was green +10% on Friday.. as for my 401K the investment funds are limited to target date funds and index funds but it was hard to resist VIIIX at $412 per share.. [https://www.marketwatch.com/investing/fund/viiix](https://www.marketwatch.com/investing/fund/viiix)
for my brokerage account i invested in single stock - and it was the only one with +11% in the sea of red today my retirement accounts are move restrictive due to the employer's sponsored funde.. the only funds available to invest are target date funds and various index funds.. [https://www.marketwatch.com/investing/fund/viiix](https://www.marketwatch.com/investing/fund/viiix) i did not think it was possible to get VIIIX with 10% off... my jump in point was 10% off and it reached the mark.. if it dropped more i just pour more in *"Be Fearful When Others Are Greedy"* Warren Buffett
I was 100% VIIIX but now: Fund Name,Ticker,Allocation (%) Vanguard Institutional Index Fund Instl Pl,VIIIX,54 Vanguard Mid Cap Index Institutional,VMCIX,15 Vanguard Small Cap Index Institutional,VSCIX,8 Vanguard Total Intl Stock Index Admiral,VTIAX,15 Vanguard Total Bond Market Index Admiral,VBTLX,8 Still aggressive but less so.
I like having all mine in low cost growth funds that mimic QQQ and SPY. VUG and VIIIX are examples.
I don’t have a lot of funds to work with so my investment strategy is limited atm. I have a 5% match in my 401k which is 100% VIIIX. Other than that I’m just building up my emergency fund in a fidelity money market account. Which works out pretty good for me cuz it looks like the interest rate for it isn’t going down anytime soon.
>This kind of growth for an S&P 500 etf can’t be sustainable, right? right. >but historically, would you be expecting a correction any time soon? I expect a correction *eventually*. I don't dare assume it will happen *soon*. It could start next month, or might need 3 years to correct. But it will correct, eventually. if we expect the long-term average inflation-adjusted return to be ~7-8%, that implies a period of *above average* returns will be followed by a period of *below average* returns. here's a historical example: look at long-term data from VFINX, which goes back to the 1970s: https://finance.yahoo.com/quote/VFINX/performance/ performance in the 1990s was *well above* average. but then from 2000-2012, performance was *well below* average. from 2000 to 2012, VIIIX a mutual fund equivalent of VTV, averaged under 1% a year due to several crashes in that period. https://imgur.com/a/s-p-500-vs-total-market-index-yZjkS1r
Hi all! I am hoping I can get some advice on my investments as I am new to this. I currently hold a TDF fund (VFFVX) and an index fund (VIIIX) in my employer sponsored retirement account. Both are split 50/50. Should I leave it as is? or just do 100% on the TDF? Also, opened up an additional investment account for my passive income. I am looking for growth and not afraid of risk. Currently hold 60% VVO 20% XMMO and 20% AVUV ETFs. I put in 4k so far. Is this a decent spread? anything you would change? Thanks in advance!
Not at all. 80% VIIIX with 20% VFIFX (2050 target retirement). Every few years I move a few percent over from VIIIX to the Target date fund. Max out contributions, walk away. Retire with several million waiting for you.
It's great that you're starting now! At 30, you still have plenty of time for long-term growth, and your choices so far look solid for building a diversified portfolio. Here's a quick look at your picks: * **VIIIX (Vanguard Institutional Index Fund Institutional Plus Shares)** tracks the S&P 500, offering exposure to large U.S. companies, which provides a good foundation with stable growth potential. * **VSMAX (Vanguard Small-Cap Index Fund Admiral Shares)** focuses on small-cap stocks, adding diversity with companies that have high growth potential. * **VIMAX (Vanguard Mid-Cap Index Fund Admiral Shares)** gives you mid-cap exposure, balancing out risk and potential returns between large-cap and small-cap stocks. * **VEMAX (Vanguard Emerging Markets Stock Index Fund Admiral Shares)** brings in international exposure, specifically emerging markets, which can provide higher growth over the long term but with a bit more volatility. Together, these funds give you a well-rounded portfolio across different market caps and regions. As you’re just starting, sticking with a mix like this will help you capture growth across various sectors and geographies. Regular contributions, along with compounding over time, can make a significant difference, so you’re definitely not late to the game. Keep learning as you go, and consider rebalancing periodically to stay aligned with your goals.
Hey! First off, 30 is absolutely not late - you've actually hit a sweet spot because you've got both investing capital AND enough time for compound interest to work its magic. Trust me, you're in a better position than someone starting at 22 with no savings. Looking at your picks - VIIIX (S&P 500), VSMAX (small-cap), VIMAX (mid-cap), and VEMAX (emerging markets) - you've basically built what I call a "growth barbell." But here's the fascinating part most people miss: your mix is surprisingly similar to how venture capital firms structure their portfolios. Think of VIIIX as your "established winners" (like VC's later-stage investments), while VSMAX and VIMAX are your "up-and-comers" (like VC's early-stage bets). VEMAX adds that international growth spice that could really pay off. Here's a super practical tip: Instead of the standard "rebalance once a year" advice, set "drift thresholds" - rebalance when any position moves 20% away from its target. Why? Because market opportunities don't follow a calendar! Quick question though - what percentages are you using for each? I usually suggest something like: * VIIIX: 60% * VSMAX: 15% * VIMAX: 15% * VEMAX: 10% This gives you that stable core with enough "rocket fuel" on the sides to potentially boost returns.
what's your goal?. look at the chart. what are you investing in? what does it contain? I'd go 100% snp500 which is what the VIIIX is. hy are you buying small caps why are you buying mid caps? Why are you buying emerging markets? do you know why you choose this basket? just go 100% VIIIX which is the snp500...500 best companies .. it has a 100 year chart.... never bet against america.... a company gets sueescufl enough it's in the sp500.... PLTR is in the sp500.... it's also in a lot of small cap indexes and etfs
I know you already have a brokerage account for them, but in some cases this might not be optimal. It really depends on what you want them to be able to do with the money. If the main goal is college savings, a 529 plan is going to be more tax efficient, and the new laws that allow you to roll over up to $35k in unused college savings to a Roth in the child's name is a really big win for 529s and parents. If you want to help them save for their own retirement (I know it's a long way out, but starting early never hurts), then you can start with a Roth IRA once they have income of their own. The bonus money from the 529 can also help bolster that. I'm doing both of the above for my older teens. I've never felt like a regular brokerage account was ideal for saving for my kids, mainly because of the taxes. You either have to keep up with tax gain/loss harvesting every year or risk giving your kids/yourself a potentially large tax bill once you sign the account over to them. Not that there wouldn't be value in the investment gains vs. a savings account, but it was extra that I never wanted to take on. Having said all of that, as for your actual question, I'm invested solely in VIIIX in their 529s and FXAIX in their Roths. Both are basically the same, they track the S&P 500 which is the most popular index standard for most investors. It can be somewhat volatile short term, but with a 15+ year time horizon it should give you great returns.
I like the 20% small cap https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png but I'd recommend dropping the S&P 500 percentage a bit, and adding more international and perhaps more bonds. At least 20% international, 30-40% is more standard. the US market simply will not stay dominant forever. I'm a generation older than you, and I remember when the S&P 500 went flat from 2000-2012. the S&P 500 averaged under 1% a year during that period. this chart uses VIIIX for the S&P 500 https://imgur.com/a/s-p-500-vs-total-market-index-yZjkS1r from 1999 to 2012, using Vanguard funds international stocks beat the S&P 500 by over 1.5%/year https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=lUzkwQs805abl8aMrkHLD over the last ~50 years, an international developed markets index beat the S&P 500 over 40% of years. https://www.blackrock.com/us/financial-professionals/literature/investor-education/why-bother-with-international-stocks.pdf measured by "rolling 10-year periods" (10 years starting Jan 2000, starting Feb 2000, and so on) the same index beat the S&P 500 over 40% of the time from 1970 to mid-2024. https://www.tweedyfunds.com/wp-content/uploads/sites/10/2024/07/Dichotomy-Btwn-US-and-Non-US-Jun2024-Fund.pdf
>I've made a lot of bad stock purchases over the years and lost money on them. You probably didn't hold them long enough or you didn't diversify. Your main bread and butter should be index funds and ETF's, not individual stocks. >The $16K I have in stocks is only a recent bump from buying NVDA, but over the long run I haven't beat inflation. Keep it simple. I have some Nvidia too, but like I said broad-based ETFs like VOO, VUG and VTI for example would've generated returns that outpace inflation( 16,12 and 19% returns on lot purchases within my Roth. My 401k is at 15.1% YTD and I manage it myself. Sounds like you're over complicating things If I were to guess. >I'm not sure what I could do that would beat the 4.6% I get in high yield savings My VIIIX That makes up 65% of my 401k portfolio has a 15.28% YTD. Outpacing 4.6% is easy honestly.
>love some insight that I’m probably overlooking. the trouble with 10 year returns is that the *last* 10 years are rarely like the *next* 10 years with investing. for example, look at the long-term, year-by-year performance of the S&P 500 from this Yahoo link. scroll down to "Annual Total Return (%) History" and click "show more". https://finance.yahoo.com/quote/VFINX/performance/ This shows data way back to the 1970s for a Vanguard S&P 500 fund. look at 1990 to 1999. **spectacular** 10 year performance, only one year with a small loss. but if you picked the S&P 500 on the basis of the 1990s performance, you would be very disappointed in the *next* 10 years. there were major losses in 2000, 2001 and 2002. you had a short recovery and broke even in 2007, but then the 2008 crash happened which was as bad as 2000-2002 combined. the S&P 500 went from a decade of above-average returns, to a decade of below average returns. **very** below average, in fact under 1% a year. this chart uses VIIIX, another S&P 500 fund. https://imgur.com/a/s-p-500-vs-total-market-index-yZjkS1r in that same period, 1999 to 2012, using Vanguard funds international stocks beat the S&P 500 by over 1.5%/year https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=lUzkwQs805abl8aMrkHLD from 1995 to 2015, the S&P 600 (small cap US stocks) returned over 2x the S&P 500. the S&P 400, mid caps, performed even better. https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png the point is don't get too concentrated in things that have done well recently and ignoring things that are disappointing, because it will eventually flip-flop. we can't know exactly when it happens, but it will happen sometime.
Switched my roth ira from company stock to VIIIX last week. This Friday will be my first weekly purchase of the index fund. Kinda happy with the timing, especially if it happens to drop anymore.
VIIIX seems to be the closest I can find (S&P500).
VFTAX is not the S&P500, it is a Social Index... VIIIX is the S&P500 (weird name, but that is what it is tracking). OP, this is as close as you can get to VTI based on the quick skim I did. I would use VSIAX myself, but I like small-value...
VIIIX 12% 
Yep they have some fund that mimics the S&P Calle VIIIX I think that’s where I would invest the other 50 percent
22F First 401k and so clueless Hi I'm 22F still in school but also making enough money that I can put aside $500 a month so that I can meet my yearly maximum of $7000. I recently opened a traditional 401k account with Vanguard with an initial deposit of $2000. I've been doing some research and decided that I want this to be a less aggressive source of investing for me, as I later plan to invest in some stocks through thinkorswim or something. Now here is where I'm confused and desperately need some help: 1. So far l've learned that, because I'm wanting to just throw money at this and not worry about upkeep, it's in my best interest to invest in mutual funds over EFTs. I've learned about target date funds but my issue comes with choosing a target date. Ideally I would like to retire by 59 putting my target date at at least 2061. There are two mutual fund options that l'm struggling to choose between, VTTSX (2060) or VLXVX (2065). Which one would you recommend? 2. I've also been doing search on how to allocate the funds I put into my 401k. I have read that you can schedule for mutual funds to be bought and things like that. However should I invest all of my monev into one mutual fund, either the VTTSX or VLXVX or do I split it up a bit? Some people were mentioning doing 75% target date funds (25% the year u aim to retire, 25% +5 yrs, and 25% +10 yrs), then the remaining 25% as total stock market. I also saw someone recommend 55% VIIIX, 10% VIEIX, 15% VTSNX, 20% VBTIX....what do I do? 3. This is just a general if you have any advice or things you wish you knew, I am truly clueless l've been trying my best to gain some financial literacy but it is so hard when you have no support or help in any of this and you can't even turn to relatives because none of them are financially smart either
22F First 401k and so clueless Hi I’m 22F still in school but also making enough money that I can put aside $500 a month so that I can meet my yearly maximum of $7000. I recently opened a traditional 401k account with Vanguard with an initial deposit of $2000. I’ve been doing some research and decided that I want this to be a less aggressive source of investing for me, as I later plan to invest in some stocks through thinkorswim or something. Now here is where I’m confused and desperately need some help: 1. So far I’ve learned that, because I’m wanting to just throw money at this and not worry about upkeep, it’s in my best interest to invest in mutual funds over EFTs. I’ve learned about target date funds but my issue comes with choosing a target date. Ideally I would like to retire by 59 putting my target date at at least 2061. There are two mutual fund options that I’m struggling to choose between, VTTSX (2060) or VLXVX (2065). Which one would you recommend? 2. I’ve also been doing search on how to allocate the funds I put into my 401k. I have read that you can schedule for mutual funds to be bought and things like that. However should I invest all of my money into one mutual fund, either the VTTSX or VLXVX, or do I split it up a bit? Some people were mentioning doing 75% target date funds (25% the year u aim to retire, 25% +5 yrs, and 25% +10 yrs), then the remaining 25% as total stock market. I also saw someone recommend 55% VIIIX, 10% VIEIX, 15% VTSNX, 20% VBTIX….what do I do? 3. This is just a general if you have any advice or things you wish you knew, I am truly clueless I’ve been trying my best to gain some financial literacy but it is so hard when you have no support or help in any of this and you can’t even turn to relatives because none of them are financially smart either
My employer recently switched HSA custodians, so I'm having to change my allocations as some of the fund options are no longer available. I was previously invested 80/20 in VITSX/VBTLX. With the new custodian, I have access to VIIIX, VEMPX, and VBMPX (plus others, but these are the lowest expense ratios.) I understand that VIIIX tracks the S&P500, but it isn't a total market fund like VITSX was, so I'd likely want to hold some portion of VEMPX in addition to that. I'm not sure what percentage of that I should hold. Assuming I'd like to keep 20% in bonds, would 60/20/20 between VIIIX/VEMPX/VBMPX be similar, or should I go 65/15/20 or 70/10/20?
Does my tiny 1 bedroom condo count? Otherwise it appears to be MFEJX although I'm considering swapping that to VIIIX.
Index funds like VIIIX and VITSX. Key Bank is my favorite "Let's see what happens" individual stock. It's a regional bank, but I think I caught its low. I'm holding this for the long haul.
I hope so, I max out my 457(b) plan at work as well which is also ROTH but unfortunately they didn’t have VTI/VTSAX so I did 80% - VIIIX(large cap), 10% VMCIX(mid cap) and 10% VSCIX(small cap) to try and mimic VTI.
Is WTECT a fund...? At 21 just do the market. 100% in VIIIX (basically VOO). You have such a long time horizon you can ride out any bad periods and you don't need to worry about bonds yet. (Hell I'm 37 and barely worry about bonds) If you really want to sprinkle in some international, then maybe do some combination of VIIIX and VTSNX (like 80/20)
What asset allocation strategy are you already following in your Roth IRA and taxable account? I like viewing all accounts like one giant portfolio and then adjust them accordingly to follow my asset allocation strategy (with the slight exception for the taxable account where tax efficiency of the investments can be considered also). [https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/](https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/) Currently I follow a three fund portfolio minus the bond fund, I will allocate to bonds when I am closer to retirement. [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) If I was in your shoes my portfolio would be: 55% VIIIX 15% VSCIX 30% VTSNX The first two funds approximate a Total U.S. Market Index Fund: [https://www.bogleheads.org/wiki/Approximating\_total\_stock\_market](https://www.bogleheads.org/wiki/Approximating_total_stock_market) The current Global market cap by weight is around 60% U.S. and 40% International, I slightly overweight the U.S. so that is why I go with a 70/30 portfolio. The above portfolio is a broadly diversified portfolio that will include the S&P 500 stocks, small and some mid cap stocks, growth and value stocks, dividend stocks, and international stocks. 401k fund selection guide: [https://www.reddit.com/r/personalfinance/wiki/401k\_funds/](https://www.reddit.com/r/personalfinance/wiki/401k_funds/) ​ p.s. It's awesome that your plan gives you access to institutional versions of Vanguard funds. When I was younger I wasted a lot of time picking investments thinking this would make me rich, instead I learned that I should have focused more on improving my income and increasing my contribution rate. Consistently investing on a schedule is where you really see your portfolio growing, investing every once in a while doesn't usually lead to success. Your greatest wealth building tool is your income. The more money you earn the more money you can invest and reach your goals even sooner, it's as simple as that. https://www.getrichslowly.org/building-wealth/
Personally, my accounts would like something like this given those specific funds: 65% VIIIX sp500 25% VSCIX small call index 10% VTSNX intl index You're young and don't need bond exposure now imo, although some people see an opportunity with bonds now.
I have Roth 401K Plan from my company here in America and need some advice. I contribute to my company Roth 401K Plan, it's around 4% and get a 50% match of that from the company also. But this retirement plan is made up these underlying funds (below). I started in 1/2023 and now its shows cumulative returns of $871.05 for 10K distributed among these funds. VBTIX: Vanguard Total Bond Market Index Fund Institutional Shares VEMIX: Vanguard Emerging Markets Stock Index Fund Institutional Shares VIIIX: Vanguard Institutional Index Fund Institutional Plus Shares VMCIX: Vanguard Mid-Cap Index Fund Institutional Shares VTMNX: Vanguard Developed Markets Index Fund Institutional Shares Target Retire 2055 Tr P Should I change any of these funds or let be it as it is? I am Btw 30 years old working full time.
Focus on the actual net returns and the holdings of the fund over the expense ratio. VIIIX is an S&P 500 index fund. A target date fund is always going to be actively managed and will lag the S&P over the long term.
I’m more aggressive than the target funds. Those are definitely set it and forget it. I don’t want bonds until I’m closer to retirement. I use a blend of VOO/AVUV/AVGE in one account and use a vanguard s and p for my Roth (VIIIX).
Vanguard Inst (VIIIX) expense ratio 0.02% Vanguard TTL INTL (VTSNX) expense ratio 0.08% (Sorry, I'm not familiar with a lot of this. Still learning what info is necessary.) I appreciate your comment!
Vanguard Inst (VIIIX) expense ratio 0.02% Vanguard TTL INTL (VTSNX) expense ratio 0.08% (Sorry, I'm not familiar with a lot of this. Still learning what info is necessary.) I appreciate your comment!
>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.
i just rebalanced, so my COST and VIIIX get sold
average annual between COST and VIIIX
the problem with investment calculators is they assume the market goes up, without fail, at a predicable or guaranteed annual rate. in reality, that does not happen. the website Real Investment Advice did an article recentlyabout how market returns are very uneven, with long periods of nothing and small clusters of fantastic returns: https://realinvestmentadvice.com/compound-market-returns-are-a-myth/ for example, the S&P 500 (FXAIX) was nearly flat from 2000-2011, with cumulative returns slightly over 10%, and thus average annual returns under 1%/year. not 8%. chart here, using VIIIX: https://imgur.com/a/yZjkS1r adjust for inflation and you would have lost money in the S&P 500 from about 1968-1994. https://www.macrotrends.net/2324/sp-500-historical-chart-data so when you run those investment calculators, interpret the numbers with caution because they don't adjust for major crashes or 'lost decades'. IMO cut the results by about 50% and assume your returns will likely, but not definitely, be somewhere between $1.1 and $2.3 million.
I was in Vanguard 2040 for years. Set it and forget it so I thought, until I noticed very poor performance. I switched everything to VIIIX (S&P500) and will ride that wave. Will once in a while scrape some profits to buy some VBTIX (bonds) as my goal is to have about a quarter million in bonds to ride out market crashes once in retirement.
If I had that much cash, yeah that doesn't sound like a bad idea to me. I wouldn't personally choose VTI but if I were forced to do that or keep it in cash, I'd choose VTI. Currently have nearly 100% of my portfolio in S&P 500 index funds (IVV, VOO, SPLG, VIIIX)
you would have no penalties or taxes but going 100% into VOO is a bad idea. you always want smaller US & international stocks in the mix, if you have a target date fund or not. the S&P 500 was nearly flat from 2000-2012 with a total return of 10% or under 1%/year average. this chart uses VIIIX a mutual fund equivalent of VOO. https://imgur.com/a/yZjkS1r https://imgur.com/a/yZjkS1r international stocks outperformed the S&P 500 every year from 2002-2007 and 1983-1988 https://www.blackrock.com/us/financial-professionals/literature/investor-education/why-bother-with-international-stocks.pdf and international beat the S&P 500 about 45% of the time from 1969-2022 https://tweedy.com/resources/library_docs/papers/Dichotomy%20Btwn%20US%20and%20Non-US%20Mar2023%20Fund.pdf 1995 to 2015, small cap US returned over 2x the S&P 500, and mid-cap returned over 3x. https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png the S&P 500 is not magical.
the S&P 500 was nearly flat from 2000-2012 with a total return of 10% or under 1%/year average. this chart uses VIIIX a mutual fund equivalent of VOO. https://imgur.com/a/yZjkS1r https://imgur.com/a/yZjkS1r
anyone who recommends 100% S&P 500 probably wasn't investing 2000-2012. the S&P 500 had a *cumulative return* of 10.57% between June 2000 and December 31, 2012. that's an annualized average of about .91, or 9/10ths of a percent. this chart uses VIIIX, a mutual fund tracking teh S&P 500. https://imgur.com/a/yZjkS1r that same period, the S&P 400 (mid cap) and S&P 600 (small cap) both performed much better https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png there are also periods when international stocks will perform better than US stocks. https://tweedy.com/resources/library_docs/papers/Dichotomy%20Btwn%20US%20and%20Non-US%20Mar2023%20Fund.pdf https://www.blackrock.com/us/financial-professionals/literature/investor-education/why-bother-with-international-stocks.pdf high-yield bonds tend to move more like the stock market, so in a sense you're giving up a main reason to buy bonds: the stabilizing factor. shorter-duration bonds will have lower yield but are also much more stable. >I also have a Roth IRA with $14,500 and I have everything invested inVFIAX. look at these charts again: https://imgur.com/a/yZjkS1r https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png
1. No one knows the perfect mix for international vs US, but you're sticking with broad market index funds and bond funds so this looks reasonable. 2. Depends on your goals. Are you trying to track SP500 with VIIIX? Or socially conscious investments with VFTAX? Do you want to add some exposure to stocks outside of SP500 with VIEIX? Or small caps with VSIAX? You can argue that small caps historically outperform SP500, so adding a mix of VIEIX or VSIAX may be reasonable, but end of the day you're taking a risk either way and I would argue you're doing well regardless. 3. I think you're splitting hairs a little here and getting bogged down in the details that may not matter much. I do not include the emergency fund as my investment portfolio, but it's up to you.
If you are 28, I'd go 100% US Equities total stock market index fund for about 25 years. Autoinvest in Vanguard total stock market index fund or something similar if possible. Depending on what is offered, you could have an annual fee of around 2-5 BPS (0.02%-0.05%). This will get you the highest returns in the long run. Want to diversify? International index fund? Small cap index fund? Generally speaking, index funds have incredibly low expense ratios. For example, my main account is mostly VIIIX and that's up about 30% over three years.
This is really good advice. VTSAX for example has 4 basis points of fees (0.04% of balance) and covers the total US stock market. The ETF version, VTI is 0.03%. My employer account is primarily VIIIX and has significantly outperformed managed funds and it only has 2 basis points of fees.
In my Roth 401k: 90% VIIIX, 10% VTSNX In my Fidelity Roth IRA: 90% FSKAX, 10% FTIHX
I have mine in mutual fund VFFX and VIIIX
For stocks, we got: CGNPT, CGIAC, LCVAL, MCGTH, SCCOR, VIEIX, VIIIX, VTSNX, and WLCG5
Not a whole lot to choose from haha. We got: CGNPT, CGIAC, LCVAL, MCGTH, SCCOR, VIEIX, VIIIX, VTSNX, WLCG5
VIIIX is Vanguard. It sounds like TRowe is just your 401k administrator. From what little you have said it sounds like you are mostly USA large cap with a growth tilt. You want more value, more international and more small. 100% stocks is not a problem at your age.
Seven figures is not enough to buy into VIIIX. There is a $100,000,000 minimum. So, that makes the choice easy.
This data is inaccurate. >According to https://www.dividendchannel.com/drip-returns-calculator/... In the last 10 years VFIAX returned a total of 223.08%. While VIIIX returned 197.90%. Don't trust random sites like this, my guess is one isn't factoring in dividends properly. From the Vanguard website (as of 1/31/23) you'll see the returns are essentially the same. * VIIIX: 12.67% 10 year average annual return * [https://investor.vanguard.com/investment-products/mutual-funds/profile/viiix#portfolio-composition](https://investor.vanguard.com/investment-products/mutual-funds/profile/viiix#portfolio-composition) * VFIAX: 12.64% 10 year average annual return * [https://investor.vanguard.com/investment-products/mutual-funds/profile/vfiax#performance-fees](https://investor.vanguard.com/investment-products/mutual-funds/profile/vfiax#performance-fees) Edge goes to VIIIX, which can be expected with the lower ER.
That's not true because different share classes of the same fund have different yields. My data source shows 1.6 for VIIIX and 1.56 for VFIAX which lines up. VINIX has 1.58 and it is the same fund as VIIIX. VFINX has 1.47, VFFSX has 1.59, and VOO has 1.57 but they are all the same fund as VFIAX.
Yea I looked at it too VIIIX actually paid out long term/ short term gains as well What means it is not setup as a duel shareclass or however vanguard set up VFIAX/VOO So it looks to be a separate funds
Interestingly, I would have assumed they are the same fund but they actually aren't. VINIX and VIIIX are the same fund, and VFFSX, VOO, VFIAX, and VFINX are the same fund. The first fund respectively has $238 billion AUM and the second $284 billion.
These two are the exact same fund VFIAX is just more to retail where VIIIX is institutional shares and requires a 100m min investment what means most people can only invest in it through some company 401k . I would be skeptical the data you are getting is accurate as these are the EXACT SAME FUND
That data is worth what you paid for it. The returns over 10 years are VIIIX 229.82%, VFIAX 229.01% as of 2/13/2023.
What's your ROI so far if you don't mind me asking? And how much you have allocated to VIIIX purely?
If you want VIIIX you could also buy VOO. Also S&P500 but 0.03% expense vs 0.02% (negligible).
You could tilt towards tech, especially if you’re investment horizons 10 years out or more. In my 401(k), I have a fidelity mutual fund that includes the NASDAQ and some OTC tech stocks like reddit and discord. 50% of my 401(k) is the S&P 500 and then I pick two other funds to make up the other 50%. VIIIX, 50%, BCSIX, %25 FOKFX, 25%. Also have a another pension which would be the equivalent to having 50% bonds I think in my 401(k) so I’m not worried about adding bonds at age 44. I also plan to pay off my mortgage in the next 4 1/2 years and then put a lot of money towards investing/retirement. I will probably put 2 to 4% my income in a taxable account and the rest in retirement.
Thanks for your reply. Here's what I'm thinking, let me know your thoughts: 46% - VIIIX 36% - VTPSX 8% - VSMAX 5% - VBMPX 5% - VTABX
If you are fine with roughly 90/10 stock to bonds and 60/40 domestic international its a pretty good option. If you want to roll your own you have a few options on doing it with VIIIX, you can either do 82/18 with extended market or 85/15 with small cap index to approximate us total market. You can just use VTPSX for international exposure and either just VBMPX or combo of VBMPX and VTABX for your bond exposure. Rolling your own you get flexibility of the asset allocation but can be a bit more difficult to deal with since there are many more parts. [Here](https://www.bogleheads.org/wiki/Approximating_total_stock_market) is a short guide on how to approximate us total market if you want to market cap weight your portfolio.
Breakfast: 1 egg on two pieces of Walmart toast 3 dabs hot sauce Positions. TSLA aapl INTC meta xlf VIIIX Mood. Depressed. Dog. Perfectly fine well fed and doesn't prefer a walk till sunrise.
I keep DCA in my 401k which is a few low cost index funds. VIIIX. VEXRX. VFTNX. As for my other accounts with individual picks. Added on already. Not adding too much more. As for precious metals. Just got some in. And debating buying more gold before it goes to 1800. Trading/Investing are two separate things.
always contribute to your 401k. Always. Especially for a match. But some people don't have matches and still they always are better off in the long run investing in the market. The stock market will be higher when you are eligible for retirement. Save now. Save every paycheck. Regardless of what the market is currently doing. Broad based ETFs are you best choice. My 401k is in VIIIX.
Thanks, I definitely kept up with this and my fees were minimal, partially due to being in VIIIX. But it's a good comment. I'll be rolling over as soon as they complete the transfer and exit the blackout period.
I was using a robo advisor and basically it divided everything up over most of the funds that were available like 10. Because I’m only 17 years away from retirement I was like this is stupid let me just do the S&P 500. So I chose VIIIX for half my portfolio and two other mutual funds that had the best returns to make up the other half. Has it turns out one of my mutual funds is an OTC stocks which includes Reddit 🤨
started off with zero, and began maxing my 401k about 15 years ago. About 10 years ago I started maxing my Roth as well. Roth is QQQ and VTI. 401K is VIIIX, VPMAX and VWENX. Decent low cost investments and good market conditions grew me just over 1M during that time frame
Hello all. 30 year old, 72k per year salary. Currently have a 401K company plan through vanguard in which 100% of my holdings are in 2055 Vanguard TDF. This was literally set and forgotten. Currently contributing 10% + 4% company match. I don’t currently contribute to a 401a (post tax?) For context I also have a Roth IRA through vanguard that I hold VTI (51%), VXUS (34%) and AVUV (15%). Currently no HSA. I have a few questions. 1. I tried to figure out how to more actively manage my 401k through the vanguard website (ie convert positions from to VOO or something with less bond allocation). I couldn’t figure out how to do this. All I could find is how to adjust some parameters and Vanguard would manage it for you. After I made these adjustments my allocations were as follows; 2055 TDF (35%), VIPIX (2%), VIIIX (23%), VMCIX (19%) and VTSNX (21%). This seems more aggressive than 100% 2055 TDF but honestly I need insight on this. 2. extension of the above question, Should I leave the 2055 TDF be in my 401k? 3. All I know about the 401a is that its post tax. Should I be contributing more to the 401a than the 401k? I’m paranoid and worried that I’m not my setting myself up for success and somewhere in between wanting to be slightly hands on in managing my portfolio but not wanting to screw things up because honestly it feels like a lot. Any insight and possibly help with navigating the vanguard website would be very appreciated.
Work 401k/401a questions + allocations? Hello all. 30 year old, 72k per year salary. Currently have a 401K company plan through vanguard in which 100% of my holdings are in 2055 Vanguard TDF. This was literally set and forgotten. Currently contributing 10% + 4% company match. I don’t currently contribute to a 401a (post tax?) For context I also have a Roth IRA through vanguard that I hold VTI (51%), VXUS (34%) and AVUV (15%). Currently no HSA. I have a few questions. 1) I tried to figure out how to more actively manage my 401k through the vanguard website (ie convert positions from to VOO or something with less bond allocation). I couldn’t figure out how to do this. All I could find is how to adjust some parameters and Vanguard would manage it for you. After I made these adjustments my allocations were as follows; 2055 TDF (35%), VIPIX (2%), VIIIX (23%), VMCIX (19%) and VTSNX (21%). This seems more aggressive than 100% 2055 TDF but honestly I need insight on this. 2) extension of the above question, Should I leave the 2055 TDF be in my 401k? 3) All I know about the 401a is that its post tax. Should I be contributing more to the 401a than the 401k? I’m paranoid and worried that I’m not my setting myself up for success and somewhere in between wanting to be slightly hands on in managing my portfolio but not wanting to screw things up because honestly it feels like a lot. Any insight and possibly help with navigating the vanguard website would be very appreciated.
Hello all. 30 year old, 72k per year salary. Currently have a 401K company plan through vanguard in which 100% of my holdings are in 2055 Vanguard TDF. This was literally set and forgotten. Currently contributing 10% + 4% company match. I don’t currently contribute to a 401a (post tax?) For context I also have a Roth IRA through vanguard that I hold VTI (51%), VXUS (34%) and AVUV (15%). Currently no HSA. I have a few questions. 1) I tried to figure out how to more actively manage my 401k through the vanguard website (ie convert positions from to VOO or something with less bond allocation). I couldn’t figure out how to do this. All I could find is how to adjust some parameters and Vanguard would manage it for you. After I made these adjustments my allocations were as follows; 2055 TDF (35%), VIPIX (2%), VIIIX (23%), VMCIX (19%) and VTSNX (21%). This seems more aggressive than 100% 2055 TDF but honestly I need insight on this. 2) extension of the above question, Should I leave the 2055 TDF be in my 401k? 3) All I know about the 401a is that its post tax. Should I be contributing more to the 401a than the 401k? I’m paranoid and worried that I’m not my setting myself up for success and somewhere in between wanting to be slightly hands on in managing my portfolio but not wanting to screw things up because honestly it feels like a lot. Any insight and possibly help with navigating the vanguard website would be very appreciated.
my 403b is in VEMPX AND VIIIX.
Put it all in VIIIX. All those funds have horribly high expense ratios.
Even their S&P500 fund (VIIIX)?
Fund your IRA. Fund your 401k. Buy stocks that make a lot of free cash. XLF, AAPL, FB. yes FB makes a ton of free cash on advertising. GOOGL that shit is gonna split. A good vanguard fund is VIIIX. I love to gamble too. But I want you to buy something here and hold very long term. Down vote me all you want. SPY is going to be higher in 10 years. Don't gamble your whole paycheck.
$QYLD , if you need income , it pays about 1% per month , so you’ll be getting $250 a month, the NAV might not move much. They sell covered calls on Nasdaq 100, so upside is limited. They’ve been yielding around 12% for almost 7-8 years now. If you want long term growth then put it in any S&P 500 index like $VIIIX and forget it
It didn't. https://stockcharts.com/freecharts/perf.php?$spxtr,VIIIX Are you including distributions? VIIIX had a capital gains distribution recently.
Why did VIIIX perform so much worse than VOO? They both track SPY500. Anyone invest in Brk.b over standard index funds? I'm thinking Brk.B might be less volatile, especially when interests rates rise compared to SPY500.
VOO is an ETF so it can take advantage of the creation redemption mechanism and "heartbeat trades" to wash out unrealized capital gains without technically realizing them. VFIAX is a share class of the same fund, through Vanguard's patented fund structure, so it gets to benefit from that. VIIIX is a different fund, without an ETF tied to it, so when it rebalances or gets redemptions, it needs to realize taxable capital gains.
Both you & /u/Glum-Year-7577 are asking the same question, and in both cases it's (somewhat) answered by the top stickied post right now. Mutual funds usually have year-end capital gain distributions. VFIAX uses patented technology to prevent that. SVPSX does not have the technology, and for whatever reason Vanguard doesn't use it for VIIIX (presumably because that is the institutional version, not aimed at retail investors).
Could some one explain to my why VIIIX pays a hefty Long Term Capital Gain and Short Term Capital Gain where VOO/VFIAX doesn’t? They both pay a similar dividend yield and track the same index (SP500). I honestly thought they were the same fund but with different capital requirements and fees based on the capital requirements.
Rebalance away from US small-cap fund in favor of more S&P? I keep a three-fund portfolio in my Vanguard retirement account, as follows. VIIIX - \~64% (S&P 500) VSCIX - \~6% (US small-cap) VTSNX - \~30% (total international) US small-cap has lagged the S&P for a while (though not as bad as international), and it seems like that's not going to change anytime soon with rising interest rates. I'm thus considering rebalancing away from small-cap for now and going with a two-fund portfolio of just S&P and international, as follows. VIIIX - \~70% VTSNX - \~30% The plan would be to reevaluate every quarter or six months or so. Is this idea super dumb? Obviously, no one can predict the future, and small-cap could start rocketing tomorrow, but it doesn't seem likely. Thoughts? (A total US stock market fund is not available to me in this account.)
Distributions were paid out today on VINIX and VIIIX among other Vanguard funds. You would have the same $ amount in the account at the end of the day.
Just need some general reassurance and outside eyes/advice on how I've been investing my money. I had posted on personalfinance and got good advice and so figured this might be a good place too. I am 21-years-old, working full-time in tech, annual pay being ~$83k after taxes. I live with parents so no rent and minimal regular food expenses for now. This is what I've been doing/have done with my money: * $2000 cash in a savings account emergency fund (thinking of growing this fund as well as maybe moving my emergency fund to something like treasurydirect series i savings bond) * checking that always has around $3000 * every time paycheck comes in, I transfer everything above the $3000 to my normal taxable brokerage account, so together with emergency fund i basically always have around $5000 in cash * roth ira ($12000 contributed so far) * 28% fzrox, 12% fzilx, 60% variable combination of sector ETFs and maybe individual stocks (right now this 60% is mostly in tech stocks I plan to hold long-term, MSFT, TSM) * maximum possible contributions to company 401k (going to reach $19500 soon) * 100% VIIIX * taxable brokerage account (contributed to biweekly as described in previous point about checking account) * 56% VTI, 24% VXUS, 20% sector ETFs (pretty much just VGT right now) I've discussed this with friends and family, but I wanted to get some outside perspective and reality checks from you guys on my current plan. I feel like some of stuff I'm doing is a little arbitrary, but it works as a simple system I can wrap my head around right now. I honestly would just go all in on the total US/total intl funds, but I feel like I can take on some more risk right now and put some of my money in broad ETFs/stocks. Do these investments seem responsible and good to follow? Should I be saving more or less cash? Any advice would be immensely helpful, so definitely feel free to roast this lol.
VIIIX is just a vanilla S&P 500 index fund, if you didn't know. It's institutional class so it carries a lower expense ratio than VTSAX.