VINIX
VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES
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Anyone Know Why VINIX Dropped 1.41% today?
Funds in my 403b are up higher percent YTD then my actual portfolio. Why the big difference?
Changing Wife's 401K Allocation- Am I overlooking anything?
25 y/o, just starting out. Looking at fortifying my 401(k) for now.
Thoughts on 401k allocation? Should I choose Roth or traditional?
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If your time horizon is 1 year? Nah. If it’s 10+? Then absolutely. I moved into VBTIX, but yes I’m going to be redeploying back to VINIX (S&P 500) years each month, the rest of the year. I haven’t changed my 401k contributions, they’re still going to VINIX.
Lmao I work in global manufacturing. Moved $400k worth of VINIX To VBTIX in 5 separate tranches for like ~$80k a piece. Saw this coming from miles away. Did the same shit in 2018. You’re just sad at this point lil guy
Lmao your little $4k port plus paper trading options account ain’t shit. You gonna link some doctored image? I’m just over here laughing at you bro. I got $400k in VBTIX I’m going to slow drip back into VINIX. I’ve played this perfectly. You’ll always be a lil scrub lmaoooo
Not projecting anything, just seems like everyone that lashes out online like you tended to never have a coach or role model growing up. Because you’re not denying it, I think deep down you know I’m right. I made the right move moving $400k of VINIX into VBTIX. Going to rebalance about $40k per month the next ten months back into VINIX. Comment back in 10 months, loser 😂🫵
Last tranche of my 5 transactions moving ~$80k of VINIX to VBTIX https://imgur.com/a/ksAHRnr Just laughing that you full ported into out of the money puts and the amount of daily anxiety you have must be nuts.
I moved $400k from VINIX to VBITX in my 401k February 28th. Saved about $25k. Feels good man
I did reallocate to 60/40 with VBTIX at the end of February, but I will be back into 100% VINIX at the end of the month. This isn’t even close to the dot com crash, 9/11, 2008, Trumps first batch of tariffs in 2018, millions of people dying from covid, and then the subsequent shock of interest rate increases for the first time in 15 years… I work in global manufacturing and news flash: the ports are fine, Panama Canal sea levels are down, however the congestion isn’t abnormal, trade is still happening, and my company is still working with the Chinese to buy from their factories in Vietnam and Malaysia to mitigate tariffs (since 2018) lol. The wishy washy of Trump’s tariffs this go around are a pain in the ass as we have to update our models weekly to forecast any margin compression, but that’s just been it… a pain in the ass, not a material issue with the business. We’ll all be ok
The equivalent of the FXAIX (S&P500 Index) is the VINIX (S&P500 Index). Same goes for VSTAX which is a Large Cap Blend (S&P500 and DJ Index). VIGAX is a Large Cap Growth fund and it isn't the same. If you are looking for Large Cap Growth then either VIGAX for FSKGX would match what you are looking for as an investment. I am pro-Large Cap Growth and have both of VIGAX and FSKGX in my holdings.
Dumb question, you say VINIX "tries to invest in under valued companies" but looking at the fact sheet, their top holdings are Apple, Microsfot, NVIDIA, etc etc?
VINIX is all you need. That’s the entire market.
Same, when I saw the annual returns of my target vs the VINIX, I switched so fast lol. Lower expense, better returns, no brainer.
I did the same but my employer offers VINIX , Vanguard , SP500 index fund.
Target funds are trash. VINIX and Contra.
What are your other fund options? Post a screenshot or something. This current fund isn't awful, but it kind of sucks. Would be much better if you had VINIX or something.
John Hancock has available funds u can choose from. I have a 401k w them from my former company. I put half in VINIX, 1/4 in PIMCO Total Return Fund, 1/4 in Franklin Templeton small cap value.
>I get its odd to do that and partially do the TDF but my return has just been significantly better in VINIX than TDF (15 vs 10% Because recent years have favored US large caps above most everything else. That's plenty of times where the opposite is true: US large caps out of favor and the TDF may be leading during those times. In a properly diversified portfolio, there will always be some parts over performing and others under performing. The thing is, which parts those are will change from time to time. It is better to always have part of your portfolio under performing than to sometimes have your entire portfolio under performing. >so not really interested in changing that or shifting more into it. Recency bias is one of the common behavioral mistakes in investing.
no, there’s no ex US outside of my 401k (but 2.5% of my non TDF 401k is in FPADX). We didn’t have a straight institutional index when I started so that’s how I ended up with both and I just never liquidated the VPMAX. I get its odd to do that and partially do the TDF but my return has just been significantly better in VINIX than TDF (15 vs 10% and even 12% for VPMAX) so not really interested in changing that or shifting more into it.
>other half is basically target date TDFs are designed and intended to be the only fund you hold. They're fully internally diversified for you. >Should I consider rolling it over to VINIX? Or roll both into the TDF. >I’m invested mostly in VTI outside of my 401k Do you have any ex-US outside the 401k?
He doesn’t have VFIAX as an option but he does have VINIX
So it does have S&P 500 as VINIX
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.
Not a single one of your investments has returned anywhere close to the S&P 500 except for VINIX (which is the S&P 500). The vanguard target date has returned 14% total over the last 5 years. VOO has returned 85% over the same time. I think I would consider moving all investments into a Boglehead portfolio. It can be as simple as 1-3 funds. VTI or VOO for 60-80% and an international etf for the remainder (I like AVNV).
VINIX appears to track the S&P500 which is about 82% of the market cap total US stock market.
I bought NVDA a few years ago at $389, recently sold at $886. I was cashing out my all of my single stocks and moving to index funds. I now own probably $10,000 worth across VINIX, VGT, and QQQM holdings.
I just sold all of my individual stocks. I had put about 14k into random stocks that had depressed prices in 2020 that I figured would bounce back. That money was at like 26k a few weeks ago. I just cashed it out. Like 65% of my holdings are in S&P500 (VINIX, through my 401k), and the remainder is split in QQQM and VGT. I've leaned a lot more toward the Boglehead philosophy in the past few months, and decided to cash in my individual stocks and cryptos.
I wouldn't get any fund with an ER 0.7%. If you wanted something more aggressive (because you're young, won't need the money for decades, and can keep yourself from not panicking when the market dips), the something like an S&P500 fund would be good. VOO, VINIX, FXAIX, etc. Whatever you were considering buying to "diversify", it is probably not adding diversity to your portfolio. VTIVX is already extremely diversified. The VSMPX makes up like 50% of the fund, and is invested in >3,700 companies in the US market. The VTIAX portion of the fund is 33%, and invested in >8,600 international companies. Most index funds you would buy (especially something with a fee 0.7%, which I suspect is some sort of sector heavy ETF) will actually decrease your overall diversification compared to this target date fund. But overall, no. Don't buy funds with expense ratios that high. Anything over 0.1% should be proceed with caution. I think it's fair to say anything over 0.2% shouldn't be considered at all.
Any target date series? >VINIX - Institutional Index Fund >VSMAX - Vanguard Small Cap Index Adml >VSIAX - Vanguard Sm Cap Val Index >VTMGX - Vanguard Dev Market Index >VBTLX - Vanguard Ttl bd Mkt Ind Adm 4 out of the 5 of these could be a good approximation of the 3 fund concept (choose 1 of the 2 US small cap funds). https://www.bogleheads.org/wiki/Three-fund_portfolio VBTLX controls risk. Set it depending on your risk tolerance, just be aware that there's a number of people that over estimate their risk tolerance. No emerging market fund?
my 401k only has boring options. I think i'm gonna put 100% contributions in JLGMX because it's slightly more "yolo" than VINIX
So VINIX can be described an “Indexed Mutual Fund”?
So you are saying dividends shown on my 401k activity that result from an indexed mutual fund (in this case VINIX) are different than a regular stock dividend, and do not result in any increase to my 401k value?
Ahh thanks! I finally found an article on Investopedia that got this through my think skull! So VINIX is a mutual fund, and so it being in my 401k and tax deferred is good? (I have a hard time differentiating between Index funds and Mutual Funds and ETFs!)
Why did you switch from the TDF to VINIX in the 401k?
Move a portion of your 401k over to #VINIX instead of 2040. It mirrors the SP500. If your getting any compnay match just leave it and dont withdraw because you will pay a high fee. Roll over to Roth IRA maybe an option if your not happy with your returns. But your portfolio should be fine. If your able to currently manage your 300k you will be fine managing over 500k as long as you follow your own rules. If you hit 1M then maybe seek help if your not confident.
Is there a reason why target funds seems to have a much higher exchange ratio than selecting individual funds? Also would selecting VINIX and VSMAX mean I would need to rebalance yearly?
Side note: Do you have the option for a traditional 457b instead of the 403b? The traditional 457b (not the Roth 457b) pairs nicely with a pension if early retirement is a possibility, withdraws can be made as soon as you leave your employer regardless of age. The expense ratio of TRPNX is average, not great but not terrible either (compared to others with expense ratios above 1%). Just making sure, you do not have an international index fund? If not, I would just approximate a total u.s. market index fund inside the 401k: [https://www.bogleheads.org/wiki/Approximating\_total\_stock\_market](https://www.bogleheads.org/wiki/Approximating_total_stock_market) If I was in your shoes I would do: 85% VANGUARD INST INDEX (VINIX) 15% VANG SM CAP IDX ADM (VSMAX) Normally I do like target date funds for a 'set it and forget it' option but since you have a pension, you can allocate your 401k into a 100% stock portfolio and consider the pension as a substitute for bonds. https://www.reddit.com/r/Bogleheads/comments/o9ovlq/using\_pension\_as\_bonds/
Update - thank you everyone for your suggestions I switched my investments to VINIX as the expenses ratio was lowest. Even compared to Target Fund. 0.04
Update - thank you everyone for your suggestions I switched my investments to VINIX as the expenses ratio was lowest. Even compared to Target Fund. 0.04
most of this is pretty unhelpful especially because 401ks usually have a limited array of funds you can invest in. VINIX is great, especially for young people. Can't go wrong with the S&P 500. I swear to god, sometimes bogleheads seems like a cult
I’m looking for advice on cleaning up my 401k allocation. I’m currently set as this: 65% T Rowe Price Blue Chip Growth (TBCIX) 20% Vanguard Target Retirement 2055 10% Vanguard Institutional Index Fun (VINIX) 5% Vanguard Total Bond Market Index (VBTIX Any reason not to move everything to the Target 2055? I am concerned about the 25% allocation of that fund to international stocks. Are there better options that are perhaps US only?
Is VINIX the same as Vanguard Institutional Index I?
$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!
FXAIX actually has lower fees than VINIX. I'm in both, my last company only offered FXAIX, tbh I'm hard pressed to tell a real difference in performance Breen the two.
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
I noticed that VINIX says the minimum investment is $5M. Might be a barrier to entry unless I'm misguided in someway
I throw my entire 401k and company pension into VINIX and have been for years. It’s low cost SP500 fund from vanguard.
TLDR; Given your age, I don't see a problem if you decided to all in on only VINIX.
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 $284 billion.
Need helping deciding allocation for 401K also if roth 401k or traditional 401k is better for me. VBITX VIPIX VINIX VEXAS right now I'm 100% in VINIX, but I feel like I should change that just not really sure what to. For the roth vs traditional I'm 23 in the 24% tax bracket no state income tax.
Is 100% in VINIX Roth 401K and 100% SWPPX in Roth IRA a good retirement strategy
New grad software engineer want to advice / feedback. I have no debt and a 6+ month emergency fund. Employee - 401k contribution 7.5% (not match get no matter my contribution) Roth 401K - 10% (100% VINIX) Roth IRA - Max out (100% SWPPX)
Am I missing something on how average annual return is calculated? Vanguard claims VINIX has a 13.31% 10 year return But taking the data from google the stock price was 130.19 the price as of their stated measurment was 346.49 Now plugging 130.19 into a compound interest caulculator if you were to have 13.31% interest for 10 years that would necessitate a price of 454.21. Obviously Vanguard is not lying so what am I missing here?
go all roth in the 401k VINIX - 50% VIMAX - 25% SWSSX - 25% sometime in the future open a traditional IRA with like 500$ 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'm 29, make 83K and put 20% plus a 6% company match into only $VINIX. That is my plan till about 55
Settling on 80% VINIX, 20% SWISX for now. Thank you!
>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%.
Absolutely nothing. All in VINIX, steady contributions every paycheck. My account peaked at $158k, currently sitting at $152k after Friday's banger of a day.
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
Thanks. It's been interesting to learn about covered call ETFs (I've been doing a lot of reading this afternoon). I'm going to consider moving some of my VINIX to XYLD as I get older.
VINIX and VTI make up about 80% of my net worth. It was a rough day...
The fund is VINIX which I think is only open to institutions.
Thanks! I’m a bit new to all of this. Which ones are intriguing and why? Any recs? I might go mostly VINIX but might explore some other options as well.
Damn wish my 401k had these options. If you want to be boring buy VINIX, but there are plenty of intriguing options in here.
VINIX is the S&P 500 index fund.
I would do 100% in the VINIX. Vanguard Institutional Index.
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!
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.
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%+.
total market and S&P examples VTI, FZROX, VINIX, VIGIX,
VSMAX is solid, I also have VIMAX and VINIX in the 401k.