VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES
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.
I just got back into my 401k for VINIX (similar to SPY) after liquidating in early August because I knew the market was overpriced. If if goes down a bit more, no big deal, I still gained about $40 per share in price improvement in 6 weeks time. It's all about the long term.
Looking for feedback on allocations in my retirement funds. Wife and I are in late 20s/early 30s grossing roughly 140k/year annually from pension-eligible jobs. Her IRAs are in Vanguard target date funds and my accounts are a DIY mix of broad mutuals to reduce expense ratio drag. Set it up a few years ago and have mostly ignored it except rebalancing maybe once or twice a year. Currently, including her target funds and before rebalancing, we're around 80% stocks, 7% RE, 5-6% bonds and 6-7% cash. If nothing changes we'll rebalance to something like 85% stocks, 6.5% each bonds/RE, and 2% cash. Account types/funds follow, if needed. Account mix is a little convoluted because I don't want to roll my TSP and the 457b has a limited catalog of funds. **Her Roth (about 50% of our portfolio):** 94% VTTSX, 6% cash **Her tIRA (~5%):** 100% VTTSX **My TSP (~8%):** 84% S Fund, 16% F Fund **My 457(b) (~14%):** 49% VINIX, 44% VTSNX, 2% VIEIX, 1% TIREX, 2% cash **My Roth (~13%):** 33% VTSAX, 31% VGSLX, 31% VEMAX, 4% cash **My tIRA (~9%):** 97% VTSAX, 3% cash
You have some good options here. Since you are only 30, I’d probably just go 100% index funds. I would just keep it simple and do four Vanguard funds. Here’s a sample ratio that I think would be pretty good: VINIX (large cap): 50% VMCIX (mid): 15% VSMAX (small): 10% VTIAX (international): 25% If you want less volatility, you could add the Vanguard bond fund VFIUX at like 10-35% of your portfolio.
I have a 401k through T Rowe Price which is primarily the VINIX fund. My employer matches it but am quitting in a couple of months. Can I leave it there and continue investing in it or should I transfer it to my other 401k account with Vanguard? Thnxs.
I have a similar question. I have a 401k through T Rowe Price which is primarily the VINIX fund. My employer matches it but am quitting in a couple of months. Can I leave there and continue investing in it or should I transfer it to my other 401k account with Vanguard? Thnxs.
Is there a good site that can compare a current management account to what a vanguard fund would yield over the last few years? I’m looking for something that I can say, if I put 10k in a fund such as a VTSAX or VINIX in 2015 what would it be now after fees and other market movements. Then compare that number to my current fund to determine if there’s much of a difference. Thanks in advance!
I have 15% of my 457b in VBTIX as well, and I have been asking myself the exact same question. The other two funds I have (VINIX and VMCIX) absolutely destroy the bond index every year. I keep looking for a reason not to abandon the bind index and I haven't found one yet
Anyone notice a tracking error with [VINIX](https://investor.vanguard.com/mutual-funds/profile/VINIX) (Vanguard Institutional Index Fund Institutional Shares). It's just tracks the S&P500. The S&P500 was up 0.14% today but VINIX shows down 2.73%. In the last 5 trading days S&P500 is up, definitely not down anywhere close to 2%+.