VIMAX
VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES
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Debating adding dividend position and adjusting stock portfolio allocations
Taking a 401K loan to invest in a brokerage account?
All in on VIMAX. Would you exchange funds or start investing in a new one?
Thoughts on 401k allocation? Should I choose Roth or traditional?
Is it worth it to invest in both VIMAX and VSMAX with my already invested VTSAX?
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Any reason VOO in particular? I run VFIAX, VIMAX, and have trickled into VTIAX
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.
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
Hello all! (30, Male, Married no kids, USA) Here is my current breakdown. I realize I’m very heavy in the S&P 500 but I essentially use that as a higher growth savings account to buy a rental property one day. I am trying to be in large, mid and small cap funds to be diversified well. I don’t really think international funds tend to do well, but open to hearing about a good one. What would you change either percentage wise or new fund completely? Thanks in advance! Brokerage VOO - 48% FCNTX - 21.8% VONG - 8.7% VIMAX - 8.6% VSMAX - 8.5% FSELX - 4.5% 401k VIMAX - 25% VSMAX - 25% FAVRX - 25% RGAGX - 25%
26, living in USA, making 53,000 USD per year. Goal is to max my Roth Ira contribution @ $7000. I don’t plan to touch the money until I’m at least 70. I’m fine with a far amount of risk 85-90%. Currently, I have a mix of VTSAX, VEXAX, VFIAX, VIMAX, VSMAX. I would like to focus on large cap funds. Should I invest more in a particular fund or add another one to my portfolio? No debt, but I am a part time graduate student paying cash for school. Still living at home, hoping to move out at the beginning of the year.
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.
I started taking over my wife's finances. She has a 401k matching. looked over everything that her wok established for her. Seems balanced for most part. But I think she coul do without the two small caps and target date fund. But 1 would like to hear from those who are well versed in creatin a solid portfolio? Her current funds are listed below. We are medium risk people-. Plus as a side note: I am not familiar with vanguard, and it seems like their platform (especially the app) is not that user friendly. VSMAX, VDADX VFIAX VSGAX VTIVX VBIAX VDIGX VIMAX
>but I’m wondering if I should consolidate the money in my VSIAX, VIMAX, VTMGX (and possibly even VTIAX and VBIAX) into VTSAX and and VFIAX Consolidating can be good. However, I wouldn't use this combo. VTSAX already fully includes VFIAX as over 80% of its weight. Recent years have favored larger caps over small, but there's plenty of times where it was small leading the way. You'd also be taking on uncompensated risk of single country (I can pay links explaining this if needed), since both are US only. There's been plenty of times where it was the US trailing international. >Are VTSAX and VFIAX diversified enough for a long-term strategy? I'd say no, in fact it is less diverse than VTSAX alone. But even VTSAX, I'd pair with VTIAX. See this for one example: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level. More bonds equals less risk. >Can I transfer between funds without paying tax? It depends on the account type. The IRA and TSP would be yes, the taxable brokerage is no.
If you add an extra space (line) between each bullet point, it makes it easier to read. TSP): * 10% TSP Lifecycle 2060 & C Fund * 30% VTSAX (total) * 25% VFIAX (500) * 10% VBIAX (balanced) * 10% VTIAX (international) * 10% spread between VIMAX (mid-cap), VSIAX (small-cap), and VTMGX (developed) * 5% spread in some large cap stocks
The standard mix is to max out your 401k to the extent needed to get any match from the company, that could be 6-10% or more. The match is basically free money so always get that first. After that, you should max out your Roth IRA if you're making less than 146k a year. The Roth IRA gives you a lot more options, you could invest in things like QQQ, BRK.B, VGT, VOOG, etc. And yeah, you're getting shafted on the 401k, FXAIX which is Fidelity's S&P 500 index fund has a .015 expense ratio which is even less than VOO which is at .03. But that's somewhat normal for the 401k, they have to make some money administering the fund for the company but strangely they don't when you buy directly in a personal Roth IRA. And let's check the charts for the returns, the usual applies, past performance etc., a few mentioned earlier don't look so good so I'd just stick with the S&P 500. [https://totalrealreturns.com/n/QQQ,BRK-B,VGT,VOO,FTEC,VOOG,TRRLX,FXAIX,VIMAX](https://totalrealreturns.com/n/QQQ,BRK-B,VGT,VOO,FTEC,VOOG,TRRLX,FXAIX,VIMAX)
VFIAX is the main thing I have. Total bond market VTBLX as well, and a whole bunch of international stock index fund VTIAX that probably wasn’t necessary. Smaller amounts in mid-cap VIMAX, dividend stock etf VYM, and company stock grants we get discounted through our employer. Over time it’s all done well. I also have started moving a lot of cash into t-bills and a money market fund as I get closer to pulling the ripcord on my working career.
>If I am understanding things correctly, mutual funds do about the same thing as ETFs, but are just a bit less flexible. Pretty much. If they track the same things, they'll perform basically the same. >Should I keep the VFIAX and VIMAX funds where they are? Yea most likely. Isn't worth the selling and buying fees + tax to pull out just to put it into an ETF that does the same thing. You can just put money going forward into the desired ETFs. >So, 60% to 80% in US company and the rest internationally. Yea keep it simple. The less ETfs the less you lose in management fees. I ran 80% S&p500 etf + 20% global minus US - picked whichever had the lowest management fees at the time and just rebalance every once in a while.
So, 60% to 80% in US company and the rest internationally. Should I keep the VFIAX and VIMAX funds where they are? If I am understanding things correctly, mutual funds do about the same thing as EFTs, but are just a bit less flexible.
I probably shouldn't be asking for advice from r/wallstreetbets but... what funds do you recommend? I have some VFIAX and VIMAX shares right now. I try to invest a few thousand a year if possible. I dunno if I should just keep putting money in those two or put it into other index funds.
I've been tilted towards small and mid caps, as well as international, each at 10%, and then VTSAX at the remaining 70%. VSMAX and VIMAX have had a nice little rally over the past couple weeks, but I imagine it'll cushion any blow that a crash from tech would result in.
I sold today. I bought in January, and truth be told I was gambling. I came out ahead, cutting my losses, and putting the rest in VTSAX, VIMAX, and VSMAX and relax.
VVIAX has returned an average of 9.88% in past 10 years. Annually average. \*\*\*\* GOLD rated by Morningstar VWINX has returned 5% in past 10 years. Annually average. \*\*\*\* GOLD rated by Morningstar Paying 4% dividend. VIMAX has returned 9.1% in past 10 years. Annually average. \*\*\* GOLD rated by Morningstar Not sure how he is seeing 4% per year. He is roughly 44% income/bonds, 50% stocks. 6% cash. And those are all good funds and that allocation is OK for someone with moderate risk tolerance (especially with bonds poised to do better in near future which should help VWINX see some capital appreciation). Maybe move some from VWINX to VINIX if he is OK with the added risk. Do not put it all in the S&P 500 unless he plans to retire at 90.
At the very least cut that VWINX in half and get an S&P500 fund. These choices are all personal preference but something like VIMAX has just as much volatility as VOO so why keep the thing that has way underperformed? If you _want_ to stock pick then go ahead that is up to you, but otherwise just go with Warren Buffet and have the amount of no risk 5% bonds you want and then with what is left buy the S&P market.
I appreciate that perspective and will take that into consideration. What would you say would be a good ratio? 75% VFIAX, 10% VSMAX, 10% VIMAX and perhaps 5% into RERGX, or should I at that point not even bother and use 80% VFIAX, 10% VSMAX, 10% VIMAX setup?
Yeah, I am not impressed with the international options hence asking for suggestions. I like the VFIAX, VSMAX and VIMAX setup! I will need to review it.
Your international options suck, so I would skip them and instead increase your international allocation in your IRA. For your 401k I would suggest trying to mimic a total stock market index fund by doing something like: 80% VFIAX, 10% VSMAX, 10% VIMAX.
Hi! I am hoping to have some help with my portfolio. I am new to investing and hoping for some help in making sure my IRA is diversified. Do I have a lot of overlap with these investments? If so, what do you suggest removing/altering and why? I would like a simpler portfolio with decent returns. Thank you in advance! VFIAX - $36k VFIFX - $42k VIMAX - $10k VSMAX - $5k VTIAX - $40k VGT - $11k VOO - $11k VTI - $22k VXUS - $2k
So my original comment stands. If the gain on the two funds is close but one of those funds also pays a dividend on top of the gain it's an easy choice. e.g. VO five year return 44.09%, no dividend VIMAX five year return 44.10%, plus \~1.75% dividend
I also like VUG or VIGAX, it covers the Magnificent 7 pretty well. While the Expense Ration seems better on the ETFs, note that the mutual funds also pay a dividend (VIMAX yield is around 1.74%). That can make a big difference.
Vanguard might suck so I’d love to see your broker’s ETFs and corresponding mutuals, but this is what they currently have for small/mid/large cap indexes VOO etf costs 0.03%, VFIAX mutual costs 0.04% VO etf costs 0.04%, VIMAX mutual costs 0.05% VB / VSMAX both cost 0.05%
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%.
Currently, these two are split evenly: VIMAX - Mid-Cap Index Fund Adm WFSPX - iSharesS&P500IndexFundClK
The funds I currently have in my 457b are: Large cap: Fidelity 500 - FXAIX (I love this fund - have owned it my Roth IRA for years, with an extremely low expense ratio of 0.015%.) Mid Cap: Vanguard Mid-Cap Index Fund Admiral Shares - VIMAX Balanced/Value Fund: Victory Sycamore Established Value Fund - Class I - VEVIX Small Cap: Vanguard Small-Cap Index Fund Admiral Shares - VSMAX International: Vanguard International Growth Fund Admiral Shares - VWILX Speciality Fund: Cohen & Steers Real Estate Security Fund - Institutional Class - CSDIX Most of my available funds are from Vanguard as you can see (expense ratio at 0.7 or lower), and are pretty low cost. Cohen & Steers is higher at 0.84%, and Victyory Sycamore is at 0.58%, but these two also have VERY good returns, so I'm ok with the higher cost. For Roth IRA, the mid cap I had originally was FSMDX - 0.025%, so low cost, but pretty average to below average returns. I switched to FMCSX at 0.85%, but SIGNIFICANTLY better returns.
Which mid cap do you like? I have access to VIMAX, JMGFX, JVMRX, and WFMIX in my 401k and they all seem so-so.
I also have a 457b, and I like to do a mostly low cost index fund approach, where I'm getting the total market, by having a large, mid and small cap fund, including a bit of International (usually about 10%) Mine is pre-tax, so I can save on my taxes NOW. I have a Roth IRA that I contribute to for my after tax money investing. Here's my current breakdown: Fidelity 500 (S&P 500 - Large cap) - 28.8% (FXAIX) Vanguard Mid-Cap Fund - Admiral Shares - 15.64% (VIMAX) Vanguard Small-Cap Fund - Admiral Shares - 15.67% (VSMAX) Vanguard International Growth Fund - Admiral Shares - 9.35% (VWILX) Vanguard Balanced Fund - Admiral Shares - 15.15% (VBIAX) Cohen & Steers Real Estate Fund - Institutional Class - 15.39% (CSDIX) I'm getting ready to get out of the Balanced fund, because it's never done as well as some of the other funds in that class; it just had a lower expense ratio, which isn't the most important feature if you can be getting a better overall return. I have about 12-13 years until retirement, and about 8 years until I'm fully vested for my pension. So depending how well I'm doing, I may get out in 10-11 years instead and be able to retire a couple of years early.
>Once you build up that much, then consider branching out. What would be the point of branching out? Like, I have VTSAX, and after a while I also starting investing in VIMAX and VSMAX because... I dunno, diversify my portfolio? But now that I'm looking at my portfolio, I'm wondering if it would just be easier to keep everything in VTSAX since I'm not sure if the added mid and small cap exposure is making much of a difference to me.
65% VFIAX 15% VBTLX 08% EIBIX 04% JLGMX 04% VSMAX 02% VIMAX 02% OEGIX Over the past week I moved 20% of my portfolio from a money market fund into five new positions: junk bonds, mega-caps, mid-caps, and small-caps. The rest of the portfolio consists of 65% Vanguard 500 and 15% Total Bond Market funds. 10 year window. Yea or nay? I am slightly concerned about exposure to commercial real estate in the Total Bond Market fund and may trim this position at some point.
https://www.morningstar.com/funds/xnas/pespx/chart This was provided to me by the other person replying. If I add to compare VIMAX, it beats PESPX by 9% at 3 years. I'm not sure if the chart factors in expense ratios and capital gain distributions. Thank you for the reply. I could use more help. What do you think I should do? I just thought replacing a high expense ratio mutual fund with it's very similar vanguard low expense ratio counter part would be a decent idea? Am I in over my head?
VIMAX has a better total return over three and five years. Better though is to get rid of both if you can and get something simpler that you do understand.
Use a total return chart like https://www.morningstar.com/funds/xnas/pespx/chart or https://stockcharts.com/freecharts/perf.php?VIMAX,PESPX&p=6 Funds have to distribute any capital gains they realize for tax reasons and the share price falls by the distribution amount.
PESPX vs VIMAX I inherited a mutual fund with PESPX, it has a pretty high expense ratio. I think it pays out big capital gains though. Which one of these is better? Which one makes the most? What's better for a traditional IRA? I can't wrap my head around PESPXs share price dropping so much. The long term capital loss is 13.5%. I honestly can't tell if it's making money looking at charts, all these capital gain distributions, interest payments, yield and dividends compared to the loss of share price...I just can't get my head around this! Can someone please hold my hand and compare these two funds? And educate me on PESPX? I think it was chosen on a company's 401k, so my relative who it was inherited from didn't have much choice. It seems to make a ton in capital gains and interest but it only has a 1 percent yield and it's share price has only plummeted for the majority of 5 years. Please help me. I will understand so much more if I can wrap my head around this scenario
Whichever of the two options you choose it won’t make much of a difference in the long term (40 years). It’s in an IRA so there is no tax implications if you do sell some VIMAX to buy other funds. If the account is at vanguard there won’t be any bull/sell transaction fees either.
I'm reevaluating my holdings at age 35 with 25 years until retirement. Have about 2x my annual salary invested (or ready to be invested). Strategy is pretty aggressive given my time horizon is 25 years and I have a pension to help out if at retirement the market happens to be down. Currently my assets are: |%|Fund| |:-|:-| |50|C Fund| |11|S Fund| |7|I Fund| |8|VEIRX| |8|FSKAX| |4|VIMAX| |4|FSPSU| |1|URFRX| |1|USAUX| |6|Cash| Much of this is because my wife and I have accounts at two different brokers (Vanguard and Fidelity), my 401K is TSP, and I have an HSA at TD Ameritrade. We just sort of invested on our own pre marriage and now its a mess. I'm closing the HSA where VEIRX and moving it to TD Ameritrade. I guess my questions are * which of those make the least sense. I feel like i have too many eggs in various non complimentary baskets. * Which mutual fund at TD would be good to look at for low fees.
go all roth in the 401k VINIX - 50% VIMAX - 25% SWSSX - 25% sometime in the future open a traditional IRA with like 500$ just so you have it already if you ever need to do a rollover. like for instance if your work gives you a match, those go in the traditional column even if they're matching on your roth contributions.
>VINIX 035% VIMAX .05% SWSSX .04% SWISX .06% Expense is the important part. I'd do VINIX 45%, VIMAX 15%, SWSSX 10% (those 3 approximate a Total Market fund), and SWISX 30% or VINIX 70%, SWISX 30%.
This comment made me do the math, I'm currently in 98.27% various index funds, 1.73% individual stocks. The index funds are broken down as follows: FISVX: 16.5% FLCOX: 18.1% FNILX: 17.7% FZILX: 22.0% FZROX: 4.1% VFIAX: 8.4% VTIAX: 5.6% VSMAX: 2.9% VIMAX: 2.8%
What about vanguards admiral MFs that mirror their ETF counterpart? That’s where a lot of my money is lol. I can’t remember the tickers but I think it’s VIMAX and VSTIAX? The fees are like 0.03% or something. Is holding these a sucker move?
I was using a financial advisor through WF, and I left them 6 months ago. In that time my allocation in VOO, VTIAX, VSIAX and VIMAX, has made 5x what I would have if I stayed in their funds. Not to mention the fees that I’m not paying them on top of performance problems. Can’t even imagine what I would have if I did this years ago, but can’t look at it that way.
Caveat that I'm just an average Joe investor, but it bothers me that VTSAX or S&P 500 indices are market weighted and over-represent the largest companies. I counterbalance this by buying VIMAX, a midcap index fund.
VSMAX is solid, I also have VIMAX and VINIX in the 401k.
As a follow up question (thanks in advance..), I already have a portion allocated to a small cap index fund (VSMAX). Couldn't I accomplish virtually the same thing as VFX if I just add a mid cap index (VIMAX)? The difference in total stock holding between VFX and the combo mid+small is about 1,717 stocks. So VFX has greater diversity but also a higher exp ratio. I know there's not a perfect answer but appreciate the input nonetheless.