VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES
$VINIX has these three companies in their top ten holdings. I’m a believer in all three and dump my 401k 100% into $VINIX. I’m 34 and likely won’t be retiring for 25-30 years. I feel very good about this investment for reasons mentioned in this thread.
It's definitely concerning to see such a performance gap between VINIX and FXAIX, especially when both are supposed to track the S&P 500. Differences in expense ratios and market conditions could play a role, but reaching out to Vanguard or a financial advisor for clarification might be the best step to take. Remember, historical performance isn't a crystal ball for the future, so careful analysis and expert advice are key.
A bit confused by your post: VINIX and FXIAX both have essentially the same return. What makes you think VINIX has a far worse return? [VINIX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vinix#overview) - YTD: 18.92% - 1 yr: 15.91% - 5 yr: 11.09 -10 yr: 12.78 [FXIAX](https://fundresearch.fidelity.com/mutual-funds/summary/315911750): - YTD: 18.95% - 1 yr: 15.94% - 5 yr: 11.11% -10 yr: 12.80% >but it doesn’t seem to match the gains of other S&P options out there. See above, it does match, not sure where you are seeing otherwise but that source is wrong. >but VINIX has only done about 44%, which is 20% less than what it should have done. Where did you get that figure from? As you can see above it’s inaccurate. >If you check the vanguard page, they claim an 11% annual return for the past 5 years. This is where I’m confused with your read on this: they’re not *claiming* anything, that’s what the fund did the last 5 years. You saw it yourself on the fund page. >I would calculate the stock return requirements for this to be (1.11 - 0.015)^5 - 1 = 57% stock growth. This fits the standard S&P like FXAIX but not VINIX. I don’t follow this, but yeah as shown above they have performed the exact same +/- a few basis points which is negligible for the context of your concern. VINIX isn’t behind FXIAX to the 20% difference you thought. You have nothing to worry about, use VINIX as your 500 index fund in your 401k and you’re all set!
The definition of index fund is pretty broad. I am retired and have a lot of money in VCIT and VGIT outside of my 401K and VBTLX in my 401K. those are all considered to be "Index Funds" of various bonds models. I also have quite a bit of VINIX in my 401K which is a lot like VOO - maybe exactly the same. If you could all of that, I am around 70% index funds, of one sort or another
Keep it simple. Really hard to beat the simplicity of 100% VINIX. if you had some small cap index funds, I would consider 10-15%. If they are active managed then I wouldn’t bother. As you get older you would just need to consider bonds, but I wouldn’t worry about it until you are at least 50.
It's an S&P 500 index fund. Regardless of what people say about diversification, the S&P 500 is pretty hard to beat over time. Sure, in any given year there are others indexes that will beat it. But hindsight is 20/20. If you are young, you could consider doing 70% VINIX and 30% tech, like XLK
Oh, yeah. Then you'd have to look at the funds they've made available to you. Also I just saw your edit. VINIX has a 5 year return of 11% so that seems to be close to matching VOO. [https://investor.vanguard.com/investment-products/mutual-funds/profile/vinix](https://investor.vanguard.com/investment-products/mutual-funds/profile/vinix) also says what you said that they track the S&P 500 so they would be comparable to VOO.
Precious metals do not produce value, they sit doing nothing. Owning an ETF or mutual fund is owning a small part of dozens to thousands of companies; your money will be working to make more money. I don't know what your IRA is like, but hypothetically if it was trading for $50+ a share a few years ago, and it's trading for $35 today, you can buy that same ownership in companies at a discount. If you were happy paying $50 yesterday, shouldn't you be ecstatic to be paying $35 today? That being said, not all ETFs / mutual funds are made equal. The default mutual fund from my workplace at T Rowe Price only had a handful of stocks and had a pretty high expense ratio. It was only a few minutes of effort to switch it to VINIX though (a vanguard, low fee, S&P 500 fund). I saw in your reply to another redditor that you didn't expect the US to continue to outperform. OK. Then invest in some international fund like VXUS or SCHY that you do believe in. No one can see the future, but that's my 2 cents.
Should I rollover my old 401k to my new job’s 401k? Old 401k Investments: VANGUARD EXT MARKET INDEX INST (VIEIX) - E/R 0.05% VANGUARD INST INDEX (VINIX) - E/R 0.03% VANGUARD TTL INTL STK IDX INST (VTSNX) - E/R 0.08% Maintenance/Admin Fees: $50.00/year New 401k Investments: Fidelity® Global ex U.S. Index Fund (FSGGX) - E/R 0.055% BlackRock Russell 2500 Index Fund - E/R 0.018% State Street S&P 500® Index Non-Lending Series Fund - E/R 0.0027% Maintenance/Admin Fees: $16.00/year
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.
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 $284 billion.
Need helping deciding allocation for 401K also if roth 401k or traditional 401k is better for me. VBITX VIPIX VINIX VEXAS right now I'm 100% in VINIX, but I feel like I should change that just not really sure what to. For the roth vs traditional I'm 23 in the 24% tax bracket no state income tax.
New grad software engineer want to advice / feedback. I have no debt and a 6+ month emergency fund. Employee - 401k contribution 7.5% (not match get no matter my contribution) Roth 401K - 10% (100% VINIX) Roth IRA - Max out (100% SWPPX)
Am I missing something on how average annual return is calculated? Vanguard claims VINIX has a 13.31% 10 year return But taking the data from google the stock price was 130.19 the price as of their stated measurment was 346.49 Now plugging 130.19 into a compound interest caulculator if you were to have 13.31% interest for 10 years that would necessitate a price of 454.21. Obviously Vanguard is not lying so what am I missing here?
go all roth in the 401k VINIX - 50% VIMAX - 25% SWSSX - 25% sometime in the future open a traditional IRA with like 500$ 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%+.