VTABX
VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND ADMIRAL SHARES
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I used [alphadogg.ai](http://alphadogg.ai) to simulate this scenario and here's what it said: As of January 2026, a significant escalation in global trade tensions—characterized by US tariffs rising to \~15% and retaliatory measures—is directly undermining the core drivers of your holdings. Your portfolio is heavily exposed to International Equities (VXUS) and Global Energy (BP), both of which are primary casualties of protectionism. VXUS is suffering from reduced global trade volumes and tariff-imposed cost burdens, effectively ending its role as a 'diversification haven' relative to US stocks. BP is facing a 'precarious' outlook due to demand destruction driving oil prices down (below $70/bbl) and threats to its global supply chain. While VTABX (International Bonds) offers a minor buffer due to stabilizing yields and safe-haven flows, it cannot offset the equity drawdowns. The immediate outlook suggests a sharp volatility period with potential value erosion before any long-term recovery.
Put 500k in: —>mutual fund variants:(VTWAX + VBTLX + VTABX) —>ETF variants: (VT + BND + BNDX) Live off of the passive income
Think of (investing in the stock market), like this. By investing in “assets that are good long term assets.” Either (ETFs or mutual funds). You are achieving (capital appreciation + earning dividends). —>Capital appreciation = total value of your stock portfolio. Capital appreciation = unrealized gains/money on paper. People who are long term investors do not care about (capital appreciation as much). They will only care about capital appreciation, when they are going to sell shares/convert unrealized gains into realized gains. -when you sold share because of a dip. You just converted (unrealized gains, into realized gains). —>Earning dividends = earning passive income, without even having to sell shares. You are getting a guaranteed return on your investment, without even having to sell shares. -Aka: You have manually allocated ($10,000 dollars to your investments). In return, you could be receiving ($300 dollars in dividends per year). ($300/$10,000 = 0.03 * 100% = 3%). ->You have manually allocated ($10,000 dollars to your investments). You are receiving (capital appreciation, but can also become capital depreciation). You are receiving (dividend income, and perhaps long term dividend appreciation, but can also become dividend depreciation). ->You have manually allocated ($10,000 dollars to your investments). And you are receiving a (3% APY interest rate — because of the ($300 dollars in dividends per year). And the amount of dividends could potentially grow, if there is “long term dividend appreciation.” Good long term assets to invest in: -ETF variants: (VT + BND + BNDX) -mutual fund variants: (VTWAX + VBTLX + VTABX). (Total world stock market = 100% equities) + (Total US bond market) + (Total international bond market). Bonds are essentially debt assets. (Financial institutions/banks), mainly make their profits from (debt or debt interest). Bond holders get to receive a percentage of this (debt or debt interest).
Invest in these mutual funds: —>VTWAX: total world stock market. —>VBTLX: total US bond market. —>VTABX: total international bond market. Live off of the dividends. You will probably be earning a consistent (2%-3% APY interest rate), just from dividends alone. VTWAX, has a higher percent chance of achieving (long term capital appreciation + long term dividend appreciation). Aka: With earning dividends from (VTWAX + VBTLX + VTABX): —>You will probably be earning a consistent (2%-3% APY interest rate), just from dividends alone. Even during (bull market cycles + boring market cycles + bear market cycles). —>You will also have a good chance of achieving “long term dividend appreciation from VTWAX.” So, based on manually allocating $500k to investments, you could hypothetically be earning (4%-greater APY interest rate), because of VTWAX. (Long term dividend appreciation + long term capital appreciation). Aka: (VTWAX + VBTLX + VTABX) = you will have a very good financial future. Earning passive income all the time.
Yep. I think you’re right and we’ve got a fall still coming that will make early April look like child’s play. I moved my money into foreign bond and equity funds, though. VFWAX and VTABX.
I put all my money in funds outside of the US. 60/40 of VFWAX and VTABX. Now I can sleep again knowing all the random orange tweets have little effect on me. US has also had the world’s highest valuations for a long time, so this is also value investing. My job/future earnings and eventual Social Security (if it’s not given away in a bigger tax cut for the billionaires) are all in dollars; good for my investments to diversify away from that.
Was just going to post the same. Moved a good chunk of my bond money into VTABX today. Domestic bonds weren’t killing me, but they don’t feel very safe.
Yeah, I've been looking into international bond funds for the first time ever. VTABX looks to be the Vanguard international bond fund. Some currency diversification sounds like a good hedge. Maybe commodities and real estate too. I'm not sure I like international equities any better than US equities tho. I would think a lot of them are also impacted and most large cap US have a lot of international exposure anyway, right?
Or something like VTABX if you are worried about contagion to international stocks and prefer international bonds.
I moved my 401k into VTABX back in February for safety. I’ll be sitting on the sidelines until there is some stability restored in the markets.
My daughter was in a similar age/situation a couple of years or ago. We opened an account for her at Vanguard and set her up like this: VBTLX (VANGUARD TOTAL BOND MARKET INDEX ADMIRAL CL): 13% VTABX (VANGUARD TOTAL INTL BOND INDEX ADMIRAL CL): 7% VTIAX (VANGUARD TOTAL INTL STOCK INDEX ADMIRAL CL): 30% VTSAX (VANGUARD TOTAL STOCK MARKET INDEX ADMIRAL CL): 50% We also created a Roth for her and put it all into VSVNX-Vanguard Target Retirement 2070 Fund For everything but the Roth (since it was pretty small and would get an annual addition), we invested 10% of the total every couple of weeks until she was fully invested. I understand the appeal of bitcoin, but I really worry it will underperform going forward. It's small enough and you are young enough that it shouldn't hurt, but I'd advise that you keep good records and circle back in 5 years to see if it is doing as well as everything else.
Check out (r/BogleHeads) — for information, related to “how to be a very safe investor.” If you want to retain your wealth, long term — invest in (ETFs) or (mutual funds). —>ETF = a basket of individual companies —>mutual fund = a basket of individual companies (1)Your investment platform, will either allow “partial shares for ETFs” or “partial shares for mutual funds.” You want to mainly purchase (PARTIAL SHARES). Not (WHOLE SHARES). (2)Perfect mutual fund portfolio set-up: —>(1)VTWAX = tracks the “FTSE Global All Cap Index.” VTWAX, invests in “small cap companies + mid cap companies + large cap companies.” Invests in every country, in the world — (minor exposure to developing markets + moderate exposure to emerging markets + major exposure to developed markets). —>(1)VTWAX = total world stock market. Cannot achieve better diversification than this. If you want 100% equities. Pays out dividends, 4 times per year. —>(2)VBTLX = total US bond market. Only includes US bonds. Bonds are considered as (debt assets). Figure out how banks mainly make a profit. Banks earn profits from “debt.” Bond holders, will get to receive a percentage of this debt money. You will be earning a steady dividend income stream, during (bull market cycles + boring market cycles + bear market cycles + black swan events). —>(3)VTABX = total international bond market. Excludes US bonds. Figure out how banks mainly make a profit. Banks earn profits from “debt.” Bond holders, will get to receive a percentage of this debt money. You will be earning a steady dividend income stream, during (bull market cycles + boring market cycles + bear market cycles + black swan events). —>Common shares = 1st ones to cut their dividends during (bear market crashes). —>Bond shares = last ones to cut their dividends during (bear market crashes). PS: bonds are considered as debt assets. Figure out how banks mainly make a profit. Banks earn profits from “debt.” Bond holders, will get to receive a percentage of this debt money. —>Invest in the mutual funds that are (VTWAX + VBTLX + VTABX). —>Sell 50% of VTWAX, when you are in your senior years. After selling 50% of VTWAX, you would have gained a significant amount of money. Money that can be used as “spendable cash for everyday purchases.” —>Live off of the dividends generated from (VBTLX + VTABX). —>Bonus: If your assets of (VTWAX + VBTLX + VTABX). If the previous assets, are in a “brokerage account” — which is a taxable account — brokerage accounts, “are the most inheritance friendly type of investment accounts.” —>(VTWAX + VBTLX + VTABX). Post the above information into (ChatGPT) — for a better explanation.
>VTABX is down almost 12% over the last five years It is not. You should never look at share price alone unless it is a company which has no dividend. All that matters is total return. That is true of equity ETF/MF but especially true of bonds which payout a signficant portion of lifetime earnings via dividends. VTABX has a return of 0.12% on annualized basis over the last five years. GRanted is pretty terrible. Honestly I have no interest in foreign bonds. Currency changes can have completely swamp any gains. >VBTLX is down 14% It is not. VBTLX is up 0.04%. Granted that is pretty bad but it shows how looking at share price along is worthless.
The funds they use are: * Domestic stock = VTSAX (0.04% or VTI (0.03%) * International stock = VTIAX (0.12%) or VXUS (0.08%) * Domestic bonds = VBTLX (0.05%) or BND (0.03%) * Foreign bonds = VTABX (0.11%) or BNDX (0.07%) * Another option would be to combine the domestic and international stock by buying VTWAX (0.10%) or VT (0.07%) You’d save a little bit Using the current weights and the ETF options for each, I’m coming up with 0.045% overall. That means you’re paying about $3.50 per $10,000 for them to rebalance and reallocate.
VFIFX isn't meaningfully more expensive ER wise than the component funds individually. https://investor.vanguard.com/investment-products/mutual-funds/profile/vfifx#portfolio-composition VTSAX 55% (.04 ER) VTIAX 35% (.12 ER) VBLTX 6.8% (.05 ER) VTABX 3.1% (.11 ER)
These are the only mutual fund you need —> to build (long term wealth), which will correlate to (generational wealth): —>VTWAX —>VBTLX —>VTABX
Invest in: —>VT + BND + BNDX —>VT = total world stock market, including the U.S. —>BND = total US bond market. —>BNDX = total international bond market. ________________________________________________________________________________________________________________________________________________________________________________________ The above investments, is what I am going to invest in btw. Also, for the past several days —> I have been recording (total percentage gains “for all of the investments combined” —> for every year —> including all 12 months for every year.” My (google spreadsheet is not finished yet), but here are the results I have so far: I am investing in (VTWAX + VBTLX + VTABX). The ETF variants would be (VT + BND + BNDX). I have analyzed the “price history of all of these investments. Here are the results I have so far: —>(May 31, 2013 - December 31, 2014) -all investments has achieved a combined total of 139.55%. —>(January 31, 2014 - December 31, 2015) -all investments has achieved a combined total of 36.03%. —>(January 31, 2015 - December 31, 2016) -all investments has achieved a combined total of 19.34%. —>(January 31, 2016 - December 31, 2017) -all investments has achieved a combined total of 177.38% —>(January 31, 2017 - December 31, 2018) -all investments has achieved a combined total of 56.43% —>(January 31, 2018 - December 31, 2019) -all investments has achieved a combined total of 135.4% —>(January 31, 2019 - December 31, 2020) -all investments has achieved a combined total of 140.32% —>(January 31, 2020 - December 31, 2021) -all investments has achieved a combined total of 338.68%
I would recommend you look into the 3-fund portfolio and the 4-fund portfolio. I agree with you that putting 100% of your nest egg into just the S&P 500 is not the most wise idea, though it is definitely better than trying to stock pick and time the market. But a 4-fund portfolio that invests in something like 60% into VTSAX for the total US stock market, 20% into VTWAX for total international stock market, 10% into VBTLX for total US Bond market exposure, and 10% into VTABX for total international Bond market exposure gives you great diversification across basically every publicly traded stock/bond in the world. And all that with just 4 funds, all with low expense ratios.
I've had bond funds as part of following typical best practices for diversified portfolio VBILX and VTABX to cover bonds. They have sucked for... well, looking, since I bought them 10+ yrs ago. They are down considerably, never had a positive return. Even when stocks take dips they have still sucked. So tempting to ditch them for even t-bills, CDs, SOMETHING that will have a positive yield. Institutional guidance has been stay the course, but when I login and see that red year after year for 10+ years... having a hard time with it.
I inherited about 80k when my father passed and was originally planning to purchase an apartment in my chosen home of Berlin, DE (American expat), but the options are slim and dwindling. My wife and I were then looking at purchasing property in Ireland, as we plan to move there in 3-5 years, but the down payment for people living abroad is 35-40% (we originally expected putting 20-25% down). So now I'm sitting on this cash, losing value with tiny gains in savings accounts, and need to find a better place to store it medium term. Since I'm a US citizen, my options to invest in EU are limited (due to some law from 2010) but I'd like the eventual money to be taken back out in Euros, as we have no plans of returning stateside. I'm looking at Vanguard BNDX and VTABX as I was recommended those, but the historic returns don't seem that appealing, so I'd like to invest in some other funds with a bit more risk to diversify. Only debts I have are student loans but I am ok not paying them back atm as I have an AGI of zero while working abroad. Any feedback/suggestions/advice is greatly welcome!
So VTSAX, VTIAX, VTABX, and VBTLX would be some good spots for her to divvy up a little money in every pay, and not pay someone for advice? Can she buy partial shares and DRIP any payouts back in? Sorry for the dumb questions, I dunno crap about anything lol
>No international index fund unless VG TL INTL BD IDX AD (VTABX) counts. No, I was referring to an international stock index fund, VTABX is a bond fund. >I plan to possibly roll my previous company 401k into an IRA but I haven’t checked how the are performing yet You may want to research rolling over the previous 401k into your 403b (if your employer's plan allows it). This will keep the door open to a backdoor Roth IRA if you ever need to go that route. [Rollovers wiki](https://www.reddit.com/r/personalfinance/wiki/retirementaccounts/rollovers/) Also learn the difference between a direct rollover and indirect rollover and why a direct rollover is the preferred method if you ever decide to complete a rollover.
I started recently in this company so I won’t be vested in pension until 5 years in. I plan to retire with this company but who knows what the future holds. So I’m not 100% relying on the pension just yet. No international index fund unless VG TL INTL BD IDX AD (VTABX) counts. I plan to possibly roll my previous company 401k into an IRA but I haven’t checked how the are performing yet Also no option for 457b
70% VTSAX 20% VTIAX 7% VBTLX 3% VTABX VTSAX covers the latter 3. No need to have double-exposure unless thats specifically what you want.
You really don't need a real estate fund or bonds. But, if you want bonds, I would set it up this was. 70% VTSAX 20% VTIAX 7% VBTLX 3% VTABX If not, just 2 will work. 80% VTSAX 20% VTIAX
Yeah I like Vanguard's because they are so simple. It's literally under the hood like 54% VTSAX (VTI) + 36% VTIAX (VXUS) + 7% VBTLX (US bonds) + 3% VTABX (ex-US bonds) for the next . [They have a 'glide path' graphic](https://i.imgur.com/vThVLZY.png) explaining how it changes over time. I'm in the 2065 one since I'm mid 20s, so I'm in that first region for the next 15 years. The only change they make is adding some inflation protected bonds when I hit age 60. Other TDFs I have seen either have outrageous expense ratios (vs. Vanguard's 0.08%), or are some overly complex mixture (with like 18 different equity funds, small cap growth, small cap blend, small cap value, etc., and then repeat for ex-US) or have some weird funds added in. For example, I glanced at Fidelity Freedom 2060 Fund, and it is a 0.75% expense ratio (10 times higher than Vanguard's) and [literally 22 different equity funds put together](https://i.imgur.com/9EhXW8U.png). That's so overly complicated and for no reason! Just buy a total stock market ETF for the US and ex-US and walk away!
I'm hoping to get some thoughts on investing in my 401k vs a taxable account. Thanks in advance for any help! I'm 45, pretty much brand new to investing. I have about $34k in a 401k that's: 46% VTSAX 30% VTIAX 8% VGSLX 11% VBTLX 5% VTABX (international bonds) I also have a taxable account where I'm pretty much doing the Boglehead 3-fund portfolio thing. The 401k advisory fee is 0.5% and the average expense ratio for the underlying funds is 0.07%. My company contributes 3% of my salary regardless of whether or how much I contribute. My salary is about $98k, which would allow me to max out the 401k and a Roth IRA, and then maybe have a couple hundred left over each month to put into my taxable account. I'm in the 24% tax bracket, so putting the maximum $22,500 into the 401k saves me $5400 each year in taxes. Assuming everything - salary, tax rates, etc. - stayed the same for the next 20 years until I'm 65, that would save me $108,000 in taxes. Instead of putting that money into the 401k, if I put it, or a portion of it, into a growth ETF that historically has a high rate of return (and no advisory fee), like SCHG, is that safe? Would something like SCHG actually outperform my 401k portfolio, and could the difference possibly make up for the $108,000 in tax savings that I'd be forgoing? Again, new investor here. I'm sure I'm missing something. Thank you!
Cool! You just have one index fund for your Roth IRA? No diversification with International Stocks (VTIAX) or Bonds (VTABX)?
My mom needs to withdraw $20,000 from her retirement funds. She has a total of $500,000 left including $300k in her 401k and $201k in her brokerage. 22% bonds and 78% index funds. The bonds are wayyyy down 20% since she bought them in 2017. Everything else is still way up. So should she take out from the bond funds or index funds for the $20k? VFICX $31,914 VHYAX $56,141 VTABX $20,525 VTSAX $59,024 VTWAX $5,208 VWESX $31,043
Thanks for your reply. Here's what I'm thinking, let me know your thoughts: 46% - VIIIX 36% - VTPSX 8% - VSMAX 5% - VBMPX 5% - VTABX
VWUAX VBTLX VTABX VWITX are all below the February 2020 all time highs. Looks like those Bogleheads don't have a winning strategy after all.
If you are fine with roughly 90/10 stock to bonds and 60/40 domestic international its a pretty good option. If you want to roll your own you have a few options on doing it with VIIIX, you can either do 82/18 with extended market or 85/15 with small cap index to approximate us total market. You can just use VTPSX for international exposure and either just VBMPX or combo of VBMPX and VTABX for your bond exposure. Rolling your own you get flexibility of the asset allocation but can be a bit more difficult to deal with since there are many more parts. [Here](https://www.bogleheads.org/wiki/Approximating_total_stock_market) is a short guide on how to approximate us total market if you want to market cap weight your portfolio.
VWUAX VBTLX VTABX VWITX all below February 2020 all time highs. Either this is the end, or Vanguard is stealing people's money.
As part of an inheritance, I received small positions in VTABX (Vanguard Total International Bond Index Fund Admiral Shares) and a couple of companies with headquarters in Ireland (ALLE and TT). I live in the United States. Will I have to pay foreign tax on any of these (for capital gains if I sell or interest/dividends)? If so, how does that work? Will I have to file tax in Ireland for the stocks? Will I have to file tax in any of the countries VTABX has bonds for? Thanks.
One of my work 401k's has this as a below portfolio: VTSAX - 48% VTMGX - 21% VEMAX - 11% VBTLX - 11% VGSLX - 5% VTABX - 4% Is this a solid 401k for someone in their early 30's? I'm wondering if more mirroring the target date fund for 2055 would make more sense, which would have me consolidate into a 3 fund portfolio of 55/35/10 VTSAX/VTIAX/VBTLX.