VLXVX
VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES
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Rate my portfolio please: 30% VTSAX - 25% MSCI - 20% QQQ - 15% VLXVX - 10% SUSA
Charles schwab target 2065 index vs vanguard target 2065 index
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Currently have VLXVX in my 401k, and it’s held up well for what it is. I’m not expecting above average returns (It’s a TDF after all; though it’d help), As long as I keep contributing and compounding does its thing, all that matters to me.
VLXVX "and chill" for 40 years. Yeah, its a target date fund (TDF). But a low cost one and is about what a financial advisor would do. [https://www.morningstar.com/funds/xnas/vlxvx/quote](https://www.morningstar.com/funds/xnas/vlxvx/quote) For more on TDFs: [https://www.bogleheads.org/wiki/Target\_date\_funds](https://www.bogleheads.org/wiki/Target_date_funds) [https://www.bogleheads.org/wiki/Vanguard\_target\_retirement\_funds](https://www.bogleheads.org/wiki/Vanguard_target_retirement_funds) I also would not place much weight on investment advice from Reddit. Alternately, a lifestyle fund that matches your risk tolerance and time horizon: [https://investor.vanguard.com/investment-products/mutual-funds/life-strategy-funds](https://investor.vanguard.com/investment-products/mutual-funds/life-strategy-funds)
If you want broad diversification, it may be worth looking at a target 2065 fund like [VLXVX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vlxvx), which gives you both US and international stock and bond exposure
[VLXVX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vlxvx#portfolio-composition) is presently 53% VTI, 37% VXUS, 7% BND, and 3% BNDX, so the only difference between what you're doing and what the people who get paid to do this shit is a 10% bond exposure
thank you. Yes, I did mean estimating the NAV for the current day before its published. I just started taking a more active role in my investments and am still learning. my other investments are either safely in the green (for the moment) or only around -3% down. Plus ive been trying to diversify so each one is only about 5-10% of my portfolio. VLXVX is 30% of my portfolio and is down the most. Plus the current market volatility is making me want to avoid mutual funds untill things get more stable.
A fund is not more likely to outperform other investments based on whether you in particular have losses in it. Your purchase price is in the past and no longer relevant. Ah, you mean estimating the NAV for the current day before it's published? Yeah, VLXVX would move at 0.542 × VTI + 0.359 × VXUS + 0.whatever × BND + 0.whatever × BNDX.
sorry, Its poorly written. \> You can't really offload a fund by buying more of it True. I should have said "how do I deal with an unwanted fund that is in the red?" the buying and selling at higher or lower prices is to try and get as close to break even or better so i could then sell everything. I could hold until it goes back into the green but that could take a long time and I'm assuming it would be better to either try new approaches or sell everything and invest in other things. \>You cant 'calculate' a mutual fund's NAV by just going to the fund's website or your broker or other data sources True. while we cant know the exact increase or decrease of a mutual fund, I have noticed you can sometimes tell when the price will increase or decrease. VLXVX for example. 54.2% is total stock market Index fund Institutional plus shares, and 35.9% is International Stock Index Fund. While these are still mutual funds, they do have ETF equivalents. I would guess that if both VTI and VXUS drop then VLXVX will also drop and vise versa. I might be wrong, but it has been working so far. Its a puzzle or learning thing for me.
Whats the best way to offload an unwanted Mutual fund? VLXVX is about 30% of my portfolio, and is in the red about -13%. what would be better: **A**: sell or buy a couple shares when you think the price will go up or down until you break even **B**: sell everything when you know the price will increase and buy when you think the price is going to drop. Mutual fund has no Fees for selling or buying. In a tax advantage IRA so I'm assuming the sell order does not effect anything. while A is a more cautions approach but im tempted to use method B. Plus If anyone can help, im trying to find out how better calculate a mutual funds NAV. I know the formula, just having trouble trying to find out where to look for liabilities, and number of unites outstanding.
In my mid 20s. I just got a sizable bonus and want to max my Roth out for the year. Besides VOO and maybe VLXVX, where should I put my money?
> I currently have a ROTH IRA under Vanguard (for 2065; VLXVX) and I am interested in removing stocks from Tesla from the retirement fund. Is that possible? That fund will always have TSLA as long as the company exists, and there’s no way to remove it. You could always exchange it from one fund to another. However, you’ll find TSLA is in *most* funds. Certainly it’s in every target date fund, 500 index fund, total market fund, etc. There certainly are funds (mid cap and small cap funds, international stock funds) which do not hold TSLA. However that’s a dangerous and risky move to make: large cap US stocks (which TSLA is one) comprise over 80% of the US market, and the US market comprises ~65% of the global market. And there’s no extracting TSLA (or smith & Wesson, or Amazon, or whoever) from these funds. > Or would I have to move the money elsewhere somehow (without incurring a fee)? > Thanks, and I appreciate any advice. I get where you’re coming from. But your investment portfolio is not the place to do it. In order to divest from TSLA you’d need to basically become non-diversified, which puts your retirement prospects at risk. Better instead to organize locally, attend to representative’s town halls, shop at stores which align with your goals (as best you can), and so on.
Sell every share of VLXVX and manually buy back every individual holding except Tesla remembering to rebalance a couple times a year as you get closer to 2065.
Are you asking if it is possible to change your holding of VLXVX, such that that fund hold less Tesla?
I'll point out that VTI (+130%) has outperformed VLXVX (+75%) since the latter's inception. Do you have any examples of a target date fund that have outperformed VTI?
You're an idiot. If the purpose is for retirement, target maturity fund has the advantage that it adjusts exposure automatically so all you have to do is invest and it does all for you. Funds like VLXVX has a 93% equities exposure which is VERY aggressive as is in the current high PE environment and it has the advantage it self-adjusts, while VTI is dumb and does not.
If the purpose is for retirement, target date funds can be very useful since they adjust their holdings as you get closer to retirement. While for other self managed ETFs, all the adjustments are done manually. For instance if you plan to retire in 2065, you can invest in VLXVX which is 93% equities by weigh, as you get closer to the year 2065, it drops your equities exposure over time so you can maximize your growth potential during your younger years and help to preserve capital when you're older and don't have the time to wait it out anymore. For the purpose of retirement, lumpsum beats out DCA 68% of the time. (reference: [https://investor.vanguard.com/investor-resources-education/news/lump-sum-investing-versus-cost-averaging-which-is-better](https://investor.vanguard.com/investor-resources-education/news/lump-sum-investing-versus-cost-averaging-which-is-better) ) It's best to not play it too fancy when it comes to retirement, set your risk tolerance level and just invest in one fund that has good global exposure across many different markets and asset classes. Retirement is a marathon, not a sprint. One good fund is better than 3 mediocre ones.
Take your ROUGH year of retirement. My son is 18 so roughly 2065 for him. Now your brokerage firm will have a “target fund” with that name. Just invest in that and you are all set. The fund does all the reallignment of stocks to anything else for you. Much more risk averse to big downs or ups but still get good returns. Vanguard example: Vanguard Target Retirement 2065 Fund MUTF: VLXVX
> After listening to the Money Guy and Ramit Sethi, I invested my first $1000 into a Vanguard Target Retirement Fund 2065 VLXVX. What is the max amount I can put into this fund? Is there a limit on how much I can contribute to it monthly or annually ? Is this in a non-taxable account? (401K/ Roth IRA) Because if its in a taxable brokerage you may want to do something simpler than a target date fund due to [unexpected tax events.](https://www.morningstar.com/stocks/lessons-vanguard-target-dates-capital-gains-surprise)
"I" would be international (I wonder if the person you replied to here mixed up L and I?). I would be a good addition, as there's plenty of times where international is the one outperforming. If you were to mirror the total world market cap, it would look very roughly like 50% C, 10% S, 40% I. Or the "L" funds are like your VLXVX, but with a different glide path design.
>What is the max amount I can put into this fund? Is there a limit on how much I can contribute to it monthly or annually ? Limits depend on account type, not the specific fund. Is this an IRA? >Was this a good move for someone just starting out in the investing world? TDFS (target date funds like VLXVX and the TSP "L" line) are a good choice for tax advantasged accounts (like IRAs), but not so much for taxable.
VLXVX is the best option if you truly want to set and forget (assuming your Roth IRA is in vanguard). It's a target date fund that includes stocks and bonds from around the world, and it will increase your bond allocation as you get older to match the reduced risk you want to be taking as you get older. No better one fund options than TDFs. VOO is good as it's the 500 largest US stocks, but why restrict yourself to one country and why stop at 500 stocks? VT is a better choice as it will include the whole world stock market, which is less riskier and will increase expected return. TLDR: VT for now if you want to manually add bonds later, VLXVX if you want to truly set and forget.
Have you done any research as to why a 50/50 split would be best for you personally? Because I feel like there's much smarter people that have already done the research, and provided a cookie cutter diversified portfolio. Target date retirement funds like VTTSX or VLXVX for 2060 and 2065 respectively is an option. All you need to decide is which year you think you'll retire in. While this won't be an exact 50/50, 60/40 is still close enough for a much easier truly set it and forget it diversified portfolio. The fund will auto re-balance as you age to be more conservative and probably outperform your allocation.
Most are too conservative, and hence underperform. If you’re investing for retirement, you shouldn’t hold bonds under the age of 30 even if you’re more conservative. Most shouldn’t hold them under the age of 40. VLXVX (2065 retirement date) is 9.61% bonds.
Retire by 59, ( 59 - 22 ) + 2024 = year 2061. So VTTSX being close to that date should be fine. If you want to hold a portion of equities longer, VLXVX would be fine as well. These funds are already diversified so they should be fine to have as single holdings.
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
And that’s my cue to talk shout the un-sexy miracle of Target Date Funds. “People who don’t know”—assuming they get advice from someone who *does* know—should stick to target date funds like SWYOX from Schwab or VLXVX from Vanguard, etc. These are “funds of funds” that can be your entire portfolio, and get more conservative as you get older.
>Currently I have a Vanguard Roth IRA with about ~50/50 split into VLXVX and VTSAX I'd use VTWAX instead of VTSAX if you insist on holding a TDF + something else. >VFIAX Is unnecessary as it is fully contained within the TDF, VTSAX, and VTWAX. If you want to go even more aggressive, look into factor investing. Factor investing starting points: • https://www.investopedia.com/terms/f/factor-investing.asp • https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF)
28m. Been researching for a week now. I feel pretty good about this, I'd just love feedback or reassurance. IRA and 401K goal is moderate-strong growth, and brokerage goal is aggressive growth for comfort into my 30s and 40s. [https://i.imgur.com/GyNeBjt.png](https://i.imgur.com/GyNeBjt.png) * Brokerage. Fund - Initial Investment - % of portfolio * VGT - $4,100, 38% * VOO - $3,600, 33% * AVUV - $1,700, 16% * VXUS - $600, 6% * BND - $800, 7% * Roth IRA. Fund - Initial Allocation - % of portfolio * FSKAX (total market index) - $4,500, 69% * FTIHX (total international index) - $1,250, 19% * FXNAX (US bond index) - $740, 12% * 401K. * VLXVX (Vanguard 2065 target) * 54% Domestic * 36% International * 10% Bonds Overall between all 3 portfolios I have a spread of: • 69% Domestic • 22% International • 9% Bonds Takeaway Q's: \-Can I be more aggressive in my brokerage? \-Can I disregard VXUS and BND for some more focus into VGT and VOO?
Your question is part math and part investing. You can use any compound interest calculator, plug in a principal of $30k, $7k annual addition, 40 years timeline and 6% inflation-adjusted return. That will give you roughly $1.46 million. It's just math, you can use any numbers you want. The investing part is the return. The 6% return is based on "the market", and the market here is the S&P 500 index. That means if you invest in an index fund tracking the S&P500 index, then you'll statistically get that return over 40 years. If you invest in a fund that does not track the S&P500, you would have to use whatever return that fund projects. If you look up VLXVX's holdings, you will see that it's holding about 54% in the US Total Stock Market, 36.5% in international stocks, the rest in US & International bonds. It's up to you to determine if that allocation is right for you in order to achieve the return you need to reach your retirement number.
I've been investing the annual Roth IRA max (approx $6K-7K per year, give or take) for the past four years in a Vanguard target date fund (VLXVX), and so far, the account's only up to around $30K total (aka, a few thousand in gains). Everything is set to auto-reinvest. Am I still on track for $1 million+ by retirement in approx. 40 years? Every year I ask this, because I have a hard time understanding how such slow growth will snowball into that $1 million figure, and every year I'm told that the market's in a weird spot but that yes, this is the proper procedure/everything's going according to plan. Is that still the case? Does my situation sound par for the course?
Hi all, I’m relatively new to investing and looking for some advice. A little background on me is that i’m 24 years old, recent graduate (no debt fortunately) and make bout $105k annually. I have a roth ira that I am planning on maxing out for the year. Currently it’s invested in VLXVX. However, I am wanting to have a more diverse portfolio and after lingering on here, I see that most people suggested VT, VTI, VOO, etc… I also have a brokerage account that is currently invested in VASGX and VTI. Should I approach it the same way, with a more diverse portfolio? I’m preferring more of a low maintenance routine but open to suggestions! I’m focused really on saving money and investing as much as I can so any advice would be greatly appreciated!
I have to wait until 6:30 PM roughly to see how much money I really made today once my mutual funds (VTSAX/VTIAX/VLXVX) update. But I'm up 1.84% without accounting for those, so it'll probably be around 2.2%-2.5%. AVUV alone is up 5% today....
>My objective is to buy a house and to retire comfortably. > >What do you guys recommend I do? For a start, thank you for giving your goals, many people don't do that! However, these are *very* different goals. The IRA/401k are great for the retirement goal (so I won't say anything more on those here), but they do little/nothing towards a home (you *can* [tap a 401k a bit as a first-time homebuyer](https://www.investopedia.com/ask/answers/081815/can-i-take-my-401k-buy-house.asp) and of course can withdraw Roth IRA contributions at any time, but both are suboptimal). What $$$ home are we talking about? What's the time horizon on that? I'd assume shorter than 15 years? A similar mix of investments (just, perhaps, in a brokerage) *can* make sense saving for a home also, but only if your time horizon is long enough that you can handle the short term movements of the market. >What do you guys recommend I do? I was thinking doing a 75 25 split between VOO and QQQ but I am lost quite frankly. VOO and QQQ are funds, meaning they're just buckets that holding the underlying securities you're actually invested in. In this case, their holdings overlap *heavily*: essentially everything in QQQ is in VOO. This means that buying the two doesn't diversify you, it *concentrates* you in those holdings. I'd say the easiest option for retirement savings is a target date fund, something like VTTSX (a 2060 fund) or VLXVX (a 2065 fund) at your age (~40-45 years from traditional retirement age). These (1) hold a mix of US stocks, international stocks, and bonds and (2) automatically adjust that mix over time (to grow more conservative as you approach retirement). Alternatively, you could just buy those asset classes more directly. Index funds are the simplest, lowest-expense way of buying into these markets, and are likely a better choice as a novice investor (as opposed to trying to pick a winning investment fund manager, [which is generally a losing proposition, over time](https://www.ifa.com/articles/despite_brief_reprieve_2018_spiva_report_reveals_active_funds_fail_dent_indexing_lead_-_works)). VOO is a fine choice for US stocks, or VTI (to get smaller US companies as well). VXUS is then the natural international compliment to that, and something like BND for bonds (some more aggressive folks say no bonds when you're younger, up to you).
There are a few approaches. As for equities, the simplest form is to hold VT, which holds the whole world equity market at cap weight. The slightly more complex version is to hold VTI (total US) and VXUS (total international) if you want to do your own weighting (i.e. overweight US stocks a bit). VT is usually around 60/40, some people like 80/20, so that would require separating them out. There is also usually a total bond fund like BND. This would either be a small allocation or none at all when you're younger, and then increase as you age. You can bypass all of this with a target date retirement fund as an all-in solution. Just make sure it's an indexed fund. Something like VLXVX is a good option at 24 if you don't know what to do. You can just dump everything in there and it holds US, international, bonds, tips, etc. based on the time to your retirement. It will be more aggressive when you're young and automatically rebalance to be more conservative when you get older.
VLXVX has "a little more" risk than your 2045 fund. https://advisors.vanguard.com/investments/products/vlxvx/vanguard-target-retirement-2065-fund#portfolio VTI is all us stocks, versus the 35% non us allocation of your target date fund
Open a vanguard account, link it to your bank account, transfer money, put all of it into vanguard's target date retirement fund (probably the 2065 version, VLXVX), and get on wiht your life
What do you guys think about this allocation? First time investing so not too sure about how to do it. Looking to keep this portfolio for 20+ years (still 20 years old). S&P 500 Index - VOOG - 14% Nasdaq Index - QQQM - 11% Total Stock - FSKAX - 10% International - VXUS - 10% Mid Cap - VO - 8% Small Cap - SCHA - 8% Balanced Fund - AOR - 12% Retirement/Target Fund - VLXVX - 1 Bonds - BND - 11% Open to any feedback and changes, especially as I am a beginner and haven’t invested anything yet! Thank you! 20 years old - Stable income and employment contract signed - Retirement
I am 23 and opened a Roth IRA with Fidelity in 2022 and have invested $6000. I would like to know if it is smarter for me to invest in only one TDF or multiple. My target retirement date is 2065. I am currently looking at Fidelity Freedom® 2065 Fund (FFSFX), the Fidelity Freedom® Index 2065 Fund Investor Class (FFIJX), and the Vanguard Target Retirement 2065 Fund (VLXVX). Should I invest my money 50/50 in two of them? I sort of am leaning towards investing most or all of my money into VLXVX since the expense ratio is lower and the fact that it is an index protects me from human error (to a certain extent). Because my IRA is with Fidelity, it would cost $75 for me to purchase VLXVX - will the increased dividends eventually outweigh that initial cost in comparison to FFIJX? If anyone has any other recommended TDFs or other suggestions on how to invest my IRA, I'm open to that as well!
Honestly it’s personal preference. There are age funds based on retirement age. VLXVX does it for you, I’m doing mine myself. I’m making it aggressive as possible. But look at their percentages to get an idea. I think they start too heavy on bonds at a young age.
I am 41 years old. My wife is 44 years old. We reside in the United States. No children now or in our future. We own our home. No debt. We both enjoy work and plan to continue to work until around 65 years old. Our risk tolerance is fairly high, due to how long our time horizon is to retirement. We are currently holding the following: |Amount|Vehicle|Location|Owner| |:-|:-|:-|:-| |190,000|VLXVX|Vanguard 401(k)|OP| |109,000|VTSAX|Principal 401(k)|Wife| |5,500|VTI|Vanguard Roth IRA|OP| |5,500|VTI|Vanguard Roth IRA|Wife| |10,000|Series I Bonds|Treasury Direct|OP| |10,000|Series I Bonds|Treasury Direct|Wife| |325,000|Ally HYSA|Ally|Joint| |0|\-|Vanguard Taxable|OP| I am maxing out my 401(k), putting 6K annually into both of our back door Roth IRA’s. The wife isn’t quite where she can max our her 401(k) just yet. We recently got a decent lump sum of money (the 325K currently sitting in the Ally HYSA). Now, putting timing the market aside, let’s say that we are ready to move that money from the Ally HYSA over into the taxable brokerage account (just opened this up). I’m thinking that perhaps I should change the Roth IRA’s to start accumulating dividend stocks (setting up DRIP plans) and just continue to do that for the foreseeable future to start planning on having a significant amount of passive income in our retirement years. If I did that, then in the taxable account I think that’s where I continue buying low cost ETF’s. So, overall make sure my total portfolio has the basic mix I am comfortable with, and keep accumulating dividend stocks in the Roth IRA’s and stay steady on the low cost ETF’s / funds in the 401(k)’s and the taxable brokerage. Does this seem reasonable / smart from the tax perspective? Any comments on the overall strategy?
Yes but no. You got the right sentiment, but the wrong ticker. Not VTI, but VLXVX (2065 target retirement fund). Robo-investors are basically a glorified VLXVX. Instead of paying a robo-advisor .25%/year to get you to act as if you're in a target-retirement fund of VLXVX, you should just buy VLXVX directly and save the money.
A good idea is to use target date funds. You look for one based on your expected retirement date and the fund automatically adjusts the stocks vs. bond ratio to get more conservative as you approach the fund retirement date. 100% of my Roth is in VFFVX which is an expected 2055 retirement date. Based on your age you could look at VLXVX which is the Vanguard 2065. The expense ratio is higher than constructing a three fund portfolio yourself, but it truly is a set and forget approach. You can even do automatic monthly investing and truly never look at it until you retire. https://investor.vanguard.com/investment-products/mutual-funds/profile/vlxvx
I don't have any total market funds in my 401k, IRA only retirement funds. Yeah so my retirement fund VLXVX has a an expense ratio of 0.08 vs VTI/VOO which is 0.03%. I was thinking over a long period it would be fine though right?
~~Limited 403(b) Fund Options~~ I would change the title to: 403(b) Fund Options Most People Wished They Had If I was in your shoes I would simply choose a single Vanguard Target Date Fund (an entire investment portfolio all in one fund and grows more conservative as it gets closer to the target date). [https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds](https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds) If you were planning to retire at age 65 I would go with the Vanguard Target Retirement 2055 Fund VFFVX. If you were to planning retire at age 75 I would go with the Vanguard Target Retirement 2065 Fund VLXVX In your case I would probably split the difference and go with Vanguard Target Retirement 2060 Fund VTTSX p.s. Don't be scared about the target date's year, it's just a helpful guide on which fund to select (you can retire sooner or later regardless of the fund year you choose). Personal Finance 401k fund selection guide, it can also be used for a 403(b): https://www.reddit.com/r/personalfinance/wiki/401k\_funds/ Lesson I wish I would have learned sooner: Which matters more for building wealth: Your saving rate or your investment returns? https://www.getrichslowly.org/building-wealth/
I’m doing that but with VTI and VLXVX
AAPL 50 shares Google 2. Shares LKQ. 100. shares NVDA 40. shares SIL. 50. shares SPY. 100. shares TSLA. 35. shares VLXVX. 1630 shares
Alright a typical “I have $ what do post”. 28 yo, USA, married, and have my first $6k set aside with no immediate place to put it (and can put addition 100-200 a month). We both have stable income combined ~80k. Both have Roth IRAs that don’t get totally full, but close. They’re in Vanguard in VLXVX retirement fund. One car loan, 2.5% interest, paying enough to get it done in 4 years. Student loans but currently in deferment working toward forgiveness for hers and parents helping with mine, so in no rush, and the interest isn’t bad 3-5% (stupid new website won’t show rate while in deference). Also pretty well insured on things (vehicle, article, health, dental). This money would most likely be used for a house in ~5 yrs. Already have a nice emergency fund and separate $10k savings in an Ally high interest savings. Open to risk with these funds (but no crypto). Thinking a self-directed joint brokerage account. Invest in some funds and some stocks (I like ETFs), but not day trading, hold them for at least a year. Open to hearing other opinions, but my main question is where? The preferred rewards are pretty nice benefits at Bank of America where I have my credit cards if I do it through Merrill Edge. Or could go through Vanguard where IRA is. Or could do like M1finance or other low fee app-based platform. What have people had good experience with?
Vanguard Target Retirement Funds are excellent (as are those from Fidelity and Schwab, I'm sure). My pick (VLXVX) has an expense ratio of 0.2% and was just recently dropped to 0.08%. Are you sure yours is not actively managed? 0.35% is on the high side...
They also don’t tend to have tickers, but you can compare the performance of the publicly available equivalent and they should be the same, so for you that would be to compare the performance with VLXVX
Not worth paying someone to help you, at least until you have several hundreds of thousands to work with. Where is your Roth IRA? If it's at Vanguard, one of their Target Retirement accounts might be best for you. Just pick the year closest to when you want to retire (maybe [Target Retirement 2065](https://investor.vanguard.com/mutual-funds/profile/VLXVX)?) and start putting money into that fund every month, up to the maximum. The fund will automatically rebalance the proportion of stocks and bonds in your portfolio to match your age-appropriate risk profile as you go along, and you won't have to think about it much.
https://imgur.com/a/mizDdst Included are Roth (roughly 10K) and Taxable (roughly 40K). In Roth, VLXVX is the 2065 Target Retirement Fund. Age 24 Top stock holdings in the taxable: AAPL, MSFT, TGT, LOW, WM, V, AMD
Taxable: https://i.imgur.com/VSEOtVG.png Roth: https://i.imgur.com/TY8qqwc.png My full portfolio's, for context. VLXVX is the 2065 Retirement Fund.
I'm 19 years old, and I'm wondering if it's necessary to have bonds in my portfolio. I'm currently invested into Vanguard Total World Stock Index (VTWAX) and had planned to slowly start allocating some money to bonds when I get to around 40 years old. However, I've been considering switching over to Vanguard's Target Retirement 2065 Fund (VLXVX). Although this fund also shifts more allocation to bonds beginning at age 40, the fund always has at least a 10% bond allocation. Even though Vanguard's fund recommends it, I'm still wondering whether it's necessary to invest in bonds when I'm 19 years old, let alone in my 20s and 30s. Sure, if I don't, then there's more volatitlity with doing so, but with 40+ years until retirement, and even with stocks reaching pretty crazy record highs recently, I feel that the stocks are likely to outperform the bonds in the long-run as long as I can handle the volvatility associated with this. But I'm curious to hear your thoughts on this; what do you think? Thank you.
I double checked and indeed [Vanguard 2065 target date fund VLXVX](https://investor.vanguard.com/mutual-funds/profile/portfolio/vlxvx) has 10% bonds in today. That's high. I compared to [Schwab TDF SWYOX](https://www.schwabassetmanagement.com/products/swyox) and it has zero. Why?
VLXVX or VOO or some combination of the two
Honestly I have become addicted to seeing the numbers in my accounts increase. My major goal in the near future is to max out my Roth IRA for 2022 and keep shoveling as much money as I can into my 401k while I live at home. I know it’s not the right thing to do, but I have been tempted to touch my emergency fund to make this happen. VLXVX and VTWAX to the moon.
Can you and should you buy into both VTI and VOO? For like Roth IRA or a brokerage account? I use vanguard I’m new at this What’s your opinion on just doing the target date retirement 2065? VLXVX
Not quite. ~10% bonds, with a healthy dose of international. Here --> https://investor.vanguard.com/mutual-funds/profile/VLXVX
[VLXVX is up 16.47% ytd](https://investor.vanguard.com/mutual-funds/profile/performance/vlxvx), so it's really not far off from SPY. When did you invest? If it was within the last few months, you basically got in at the top. I wouldn't be concerned, you've got decades.