VTRIX

Target2019-20

I have VTRIX, which is foreign large cap value, and VXUS, which is large cap foreign. VTRIX is a mutual fund.

nop--sled

[https://www.google.com/finance/quote/VTRIX:MUTF?comparison=NYSEARCA%3ASPY&window=6M](https://www.google.com/finance/quote/VTRIX:MUTF?comparison=NYSEARCA%3ASPY&window=6M)

nop--sled

[https://www.google.com/finance/quote/VTRIX:MUTF?window=6M&comparison=NYSEARCA%3ASPY](https://www.google.com/finance/quote/VTRIX:MUTF?window=6M&comparison=NYSEARCA%3ASPY)

nop--sled

Do a compare in google finance for the last 6 months MUTF: VTRIX to spy.

JeffB1517

For domestic IVV is just like VOO use it similarly. VTRIX is a good international fund with low fees. So just do 50/50 and things should work out well.

JeffB1517

What you are asking is a big unclear. You are right obviously, IVV is almost identical to VOO just from a different company (Blackrock rather than Vanguard). VTRIX is a Vanguard international fund. It is actively managed but inexpensive. GCIIX is holding almost the same portfolio as VXUS structurally but using smart beta techniques to get a better return. It is 82bp so you are paying about 50bp for avoiding problems. In terms of asset allocation if fulfills much the same purpose.

heatbeam

30, USA $172k salary Risk tolerant No debt Summary/Ask: I have an “extra” $7k-10k in my checking, and am seeking input on how to best invest that chunk plus layering on DCA afterwards so that this “extra” doesn’t keep coming back. I could certainly put this in MMF or high-yield savings, in which case it would be a house fund. My s/o already owns, and we are definitely long term together. We also have some family money coming in the not-too-distant future, so if I wasn’t putting away for house specifically, I’m ok with that. While on the topic, I have about $20k in my savings account which is intended to go towards ring. Her family will cover wedding costs so no need to save for that. The $20k for ring should probably be in a high-yield savings so any advice there is welcome as my current savings account is 1% APY. Also, depending on (or regardless of?) where I invest my “extra” 7-10k cushion (plus some DCA amount to prevent the “extra” from coming back), curious to hear thoughts on whether there’s a reasonable level of confidence behind dumping somewhere if timing is presenting an oppty, vs parsing out the $7k-$10k via shorter term DCA (1-2k at a time) and then reduce DCA longer-term once the “extra” cushion is invested. Again, pretty risk tolerant here. One thought is put the “extra” in VTI - 80% VXUS - 20% and DCA thereafter (or DCA the “extra” over time and then reduce DCA once cushion is gone). I say this, but I feel I already have similar investments. So this is definitely an area where I’m seeking advice. Current holdings: 401(K) VHGEX: 49% of 401(K), 27% of entire portfolio VTRIX: 26% of 401(K), 14% of entire portfolio DFGEX: 8% of 401(K), 4% of entire portfolio. 65 us / 45 exUS Company sponsored 2055 fund: 17% of 401(K), 10% of entire portfolio; within this fund: >Total Bond Market Fund: 5% of fund >HighYield & EmergMkts Bond Fund: 2% fund >Glob Real Estate Stock Index Fund: 10% fund >Balanced Exposure Fund: 12% of fund >Total Stock Mkt Index Fund: 43% of fund >Total Int’l Stock Mkt Index Fund: 28% of fund Brokerage / maxed IRAs (DCAing here) via mutual fund SWYJX: 26% of entire portfolio Company stock (tech) Available: $4,100, 3% of entire portfolio RSUs: $24,000, 16% of entire portfolio Total: $28,000, 19% of entire portfolio For what it’s worth I already have an HSA going as well. Many thanks and please let me know any feedback on my post here.

SeekerPhone

This is very good point. Their actively managed value analog is VTRIX. It's holding up much better in the downturn, but still performing about the same as VXUS. And if you can't outperform VXUS, better the VXUS (OR VT). The fundamental question is whether a growth fund remains a growth fund after it dives. If a growth takes a pounding, the elements that made it grow are still there. So it is a growth stock that has been compressed temporarily in a value stock? Long term? eh. 15 years give or take.

Jaamun100

Yea I feel dumb for putting even a little into VTRIX now.

FIThrowaway2738

Here's the asset classes & tickers. Arranged according to percentage. Note that I used passive index funds as best as I could, and chose no load, low fee funds and placed them in accounts that have no additional fees beyond fund expense ratios. VSIAX - US Small Value - 35% VTSAX - US total market index - 25% VEMAX - Emerging Markets - 10% VTRIX - Intl. Value - 7% VFSAX - Intl. Small Cap - 7% VTRIX - Total Intl. Market - 6% VMVAX - US Mid Cap Value - 5% VVIAX - US Lg Cap Value - 5%

taplar

VTI - USA Total Market ETF VTRIX - International Value ETF VIPIX - Inflation Protected Bonds ETF I would suggest some mixture of something like that to give you diversification locally, internationally, and some bonds for hedging. As far as the allocation splits, I would say start with a small percentage to the bonds, and then the rest split evenly across the local/international etfs. Each 1/3/6/12 months (your discression) rebalance the local/international back to even splits. If you see an event that drastically reduces the price of one of the stock ETFs, rebalance out of the bonds into the stock ETFs. If you see large gains from the stock ETFs, you can consider rebalancing some of that out of the stocks into the bonds for future rebalancing.