VVIAX
VANGUARD VALUE INDEX FUND ADMIRAL SHARES
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How to count some VTI relative to asset allocation targeting VOO, VB, VTV?
My employer just started offering a 401k. Which find should I invest in as a 45y old
Is creating a 5 fund sector for fun a bad investment idea?
Taking a 401K loan to invest in a brokerage account?
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You can compare something like value to total market and see the difference. Over 10 years, it's 12.87% annualized for VVIAX vs 15% for VTSAX. And value is excluding a lot more than AI & Musk's companies. Is a 2.13% difference big enough? Depends on your risk tolerance and view of the market's future. Of course it is easy to look back and cherry pick the winners, ooohing and awing about the potential returns if you invested at the right time. But that's a gambler's fallacy.
As a Vanguard user, I've shifted funds towards Vanguard Value Index Fund (VVIAX). There's plenty of arguing about what is the best indexing strategy for long term returns, but personally I feel most comfortable investing in less hype driven stocks in this market. Not just protects against IPOs but other hype driven stocks with excessive market cap like TSLA and PLTR.
All of these are Vanguard mutual funds or ETFs, followed by its 1/5/10 year returns, and expense ratio: * VMVFX (Global Minimum Volatility Fund) 13.11%/8.36%/8.43% 0.21% ER * MGV (Mega Cap Value ETF) 26.01%/11.90%/12.53% 0.05% ER * VONV (Russell 1000 Value ETF) 29.17%/10.22%/11.13% 0.06% ER * VVIAX (Value Index Fund) 26.74%/11.37%/12.26% 0.05% ER
I am trying to take a Boglehead approach and capture the entire market. Unfortunately a total us stock market index isn't available in my 401k. There is a 500 index, but it has slightly higher fees than VIGAX and VVIAX. I decided to go heavy on VIGAX since historically it out performs the S&P 500. I figured the large cap value index VVIAX was worth having, since it has minimal overlap with VIGAX,and the two basically approximate the S&P500. JECIX is the cheapest midcap index available, I'm not really a fan of it, it doesn't seem to perform well compared to the othe indexs. VSIAX and VSGAX I figured are worth having just incase small cap stocks start doing better with potential interest rate cuts on the horizon. I only have 10% in VTIAX, but am considering bumping that up to 20% since it's done so well recently. But I'm not sure if it's worth taking away from the other holdings I currently have, so I settled at 10% for now. So far this year, my 401k rate of return is 18.05% , which I am very happy with. I am thinking, just adding a bunch of gold into the tax advantaged Roth will be beneficial long term. Been looking alot at the performance of gold vs stocks since we left the gold standard back in the 70s, and it looks like gold is about to repeat a 20 year cycle that outperforms stocks for the next few years. I still have about 30 years until retirement, so I am willing to keep holding and DCAing for a long time. Thanks for your feedback!
>Start it in 1999 (pre-tech-bubble crash) rather than 1971, because by 1999 your graphs already show a divergence. Then SP500 beats it. Vanguard VVIAX value fund ties the 3-fund portfolio but not SP500 (this is the oldest Vanguard value fund I could find). The S&P 500 does beat it but the 3 fund portfolio had a better RISK ADJUSTED RETURN. Changing the start date to 1999 doesn't change that. The point was you can reduce risk/volatility over S&P 500. It isn't S&P 500 or high dividend fund. There are options which do improve risk adjusted returns it just turns out high dividend funds are shit at it. >SCHD "or any value fund". SCHD is not a value fund. It is a high dividend fund. The irony of quoting BRK-B despite it having a lifetime dividend of zero. BRK-B would not be found in SCHD, VYM, or any high dividend fund. So going back full circle to the beginning. **Picking stocks/MF/ETFS based on the amount of the dividend is dubious.**
> To be clear a boglehead 3 fund portfolio did fine throughout both the 2000 and 2008 crash. Start it in 1999 (pre-tech-bubble crash) rather than 1971, because by 1999 your graphs already show a divergence. Then SP500 beats it. Vanguard VVIAX value fund ties the 3-fund portfolio but not SP500 (this is the oldest Vanguard value fund I could find). However, BRK-B totally kicks all of them. No contest. x12 for BRK-B vs x7.7 for SP500, and x6 for 3-fund and VVIAX. Same if you go back to 1990, pre-bubble. > Then this is just faith. You might as well say my religion requires me to buy SCHD to be faithful. SCHD "or any value fund". Fact is that the broad market has a PE approaching 27 (SPY) and 36 (NASDAQ), and value funds (and BRK-B) have PE below 20. What the victory of BRK-B might show is the value of getting out of the market, then getting back in, over a static stock/bond allocation.
Right, so VTWAX is already tilting overwhelming to the US due to market cap weighting, and then you're tilting even further in that direction with VTSAX and VVIAX. Obviously this is a super personal decision with lots of context for each individual, and I'm just some random idiot on the internet, but *personally* I would take another look at that allocation.
VTWAX, VTSAX and VVIAX Larger allocation to VTSAX next largest is VTWAX and smallest is VVIAX.
Either that or do a 3 fund I have vanguard and do VTSAX 65% S&P VTWAX 20% S&P + World VVIAX 15% Value
Target Retirement fund for my 401k, VFIAX, VVIAX, and VWILX for my non retirement, plus a bunch of real estate.
If you want to be holding a Large Cap Value fund then it doesn't appear to be a bad choice looking at similar funds. The ER is high at 0.60%, but the 10 year and 5 year returns are very similar to the Vanguard Value Index Fund VVIAX that has a 0.05% ER and beat the Fidelity Large Cap Value Index Fund FLCOX with a 0.035% ER. In comparison to the S&P500 index the returns sucks over 10 year and 5 year.
Good? You mean good equity funds? LOL. I wish I could guarantee good. I have VHYAX, VVIAX, VEIPX, SCHD, JEPI, IVE
I dont believe VVIAX is an available fund in my new employers HSA. VFIAX is the only S&P fund i saw and thought to use 100% of my contributions on it. Ill look again, thank you!
I am 100% in VVIAX and have a 27% return over the last year. (repeating, VVIAX not VFIAX). However, my HSA investments are only about 2% of my larger portfolio. I chose the Value Fund as I am over 60.
Oddly enough I was signed up for "high risk," and with no bonds. To be honest, now that I am no longer using the digital advisor, I've been keeping the same funds that I was invested in and keeping those same proportions (however, lately I've been skipping the international funds and just doing all the non-international to bring down my international % down.) For example, currently, my brokerage account is made up of VIGAX (3.93%), VTIAX (11.43%), VTSAX (62.49%), VVIAX (3.05%), VBR (1.45%), VTI (6.37%), VTV (.33%), VUG (.48%), VXF (.11%), and VXUS (10.04%). I have no idea if my plan is pretty silly since I don't fully understand all of it or all of the funds. My current brokerage rate of return is 12.5%.
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.
Presuming you are 35, and you want to retire when you are 60. Use: VFIFX. If you want to follow the S&P 500, use VFTAX. To divest in some other well performing indexes here are some others VTPSX, VIGIX, VMVAX, VVIAX.
Not true, VVIAX has been solid and has a strong 10 tracking record to back it up. It's good to have both sectors, information technology and financial. Information technology has shit ton of great index funds to invest in but I think VGT is by far the best one
I spread the money from the stock sale into a Vanguard account of index funds with VTSAX, VFIAX, VTIAX, VVIAX, and some held in VMFXX as reserve in case an opportunity emerges if/when the fed lowers rates. All of that just in one company’s stock, despite the company being on a roll lately, was more risk than I want.
I'm looking a bit at "Value". Those three rows on the left side on the Morningstar Style Box. Mostly Large Value as a more conservative play since I'm fairly close to retirement and more risk-averse. Example: VVIAX. But, maybe a 5% portfolio shift towards that. Sticking to my longer term plan, overall.
So like a lot of people, my parents set up a vanguard account for me when I was in my 20’s. I’m now in my mid 30’s and would like to plan out my portfolio and see when I can retire. I never have paid much attention to it and know very little about investing, but would like to start learning now. How does my portfolio look? I’m a 35 year old self employed male, make around 125K a year. I have about 180K in stocks and bonds, and about 40K in a Roth IRA. I know almost nothing about investing and want advice on where my money should be, where to put my earnings each year, etc. How much should I be investing each year and where should I invest the money? Here is a breakdown of what I have with vanguard. Total stocks and bonds about $180,000 VBLAX (vanguard long term index bond) - 1,654 shares, $18,000 VEMAX (vanguard emerging markets) - 177 shares, $6,147 VFIAX (vanguard 500 index) - 134 shares, $64,060 VIGAX (vanguard growth index) - 277 shares, $49,109 VVIAX (vanguard value index) - 700 shares, $42,843 Roth IRA - $40,000 SEP IRA - $5,000
I have a 401K account all invested in a retirement date fund. I’m pretty young and think it would be better elsewhere? I want to move the money to another fund but not sure which. I’m seeing VFWAX, JVMRX, VIGAX, VVIAX, and PFORX as options. Are there any I should avoid or which ones are recommended?
401k Beginner Investment Allocation Advice First time poster! Long time observer… Question, I have been contributed to a 401k based the automatic contribution enrollment and fund selection set up by my employer. The auto contribution went into an American Fund Balanced Mutual Fund. I have recently been learning more about investing and it feels like the options available are pretty limited or have poor returns with high expense ratios associated with them. Of the funds I do have access to, I am settling in on focusing future contributions into VIGAX and VVIAX. They seems to have good indexed growth associated with them, and I mostly enjoy they have lower expense ratios. As I learn more about the pros and cons of trying to follow an index like the SP500. These seem to be my best option. My question is should I leave the funds alone already contributed into the american balanced fund and just start future contributions into VIGAX and VVIAX or is there any advantage to rebalancing the portfolio into the two funds that I like and will be contributing into going forward? USA based-20-25 yr horizon-$ for retirement- high risk tolerance-low emotion to market swings- no big debt or obligations. Thank you in advance for your ideas!
For kids education, you want a "529 account". All profits are tax free when used to pay for education. Passive income and wealth growth are, on average competing objectives. You can have investments that do both, but the benefits of one typically take away form the other. The best funds for those, in combination are the higher dividend stock ETFs. Some examples that I am invested it: SCHD, JEPI, VVIAX, VFHAX, VEIPX. There are lots of other good ones.
Kill the debt, build up to 3-6 months of living expenses in an emergency fund (I have about 6 months at $10,000), then send it. You have *decades*. VFIAX and VVIAX are good, have given me more than good returns. VOO is good too as others have suggested. Good luck!
401k mutual funds usually have equity in a broad range of companies. In general, if the economy goes up, then so do your shares and 401k. Ideally in the long run it grows over time and gives you a decent return for when you do retire. You should read the information pertaining to each fund offered by your employer's 401k and make your contributions as your see fit. Personally if it were my money, I would look into making my contributions to SSSYX, VIGAX, and VVIAX in no particular order. I don't really understand what SSGLX is investing in based on the information available through a quick Google search and I am not a fan of small cap funds (PRVIX).
after many years, my lineup is mainly: VTSAX, VVIAX, VTIAX, VIGAX, and some bond funds
All, I am 26 years old and I am currently in the middle of restructuring my investments across accounts and need some advice! I have 3 investment accounts that hold about $80k+/- in total. $60k of that is invested through Vanguard in a mixture of a traditional IRA, Roth IRA, and an i401k account. These accounts mainly hold Large Cap growth/value/total work market ETFS such as VTI, VOO, VIGAX, VVIAX, etc. etc. The other $20k is a personal TDA account I have traded individual stocks with since I was 18. This account holds a mixture of 10-12 individual stocks and has performed quite well over the years. My idea is to take this individual account and make a sectors play for fun and restructure the sectors every year as needed while contributing my Vanguard passively over time. I want to split the TDA account into 5 sectors: 1. TECHNOLOGY (SOXQ) 2. ENERGY (ICLN / XLE) 3. HEALTHCARE (XLV) 4. FINANCE (XLF) 5. STAPLES (XLP) Is this a stupid play? Should I just liquidate my personal TDA account and just contribute it all to my retirement account? Thoughts?
Whats wrong with VIGIX or VVIAX.
Sounds like VVIAX has room to drop more then. And if not, it would say to reason it may not get a much gains as something else. Don’t know your time horizon or how old you are, so if you want conservative growth, sure. Apple scares me right now. It, along with a handful of others are holding up the various indices right now. I’m also not sold on all in s&p500 just because 2010-2019 was 10% growth. Doesn’t surprise me that your growth fund is the one down the most. Maybe a play for that depending on historic data of course
Anyone know how to invest in Vanguard value funds from outside the US? I’m in the UK and currently there’s no UCITS ETF available for mutual funds VVIAX, VASVX, VSIAX. Alternatively, if you know of any value ETFs available to UK investors, please advise. TIA
I manage multiple retirement accounts. For my IRA I’m buying VTSAX, VVIAX, and VTWAX with about 6% in ICLN in each for renewable exposure long term. In my retirement it’s SSGA S&P, small/mid cap One fund has a bunch of fidelity indexes small and mid cap. And one has a Delaware small cap. Most are just low expense ratio focused with the small and internationals floating around .5 to .8 on expense ratio as they tend to be higher. The prospectus is what you want to pay attention to in order to see historical returns.
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%
With everything going on in the world, the US massive debt issue (not to mention various states), and the fact that markets are unpredictable, I'd DCA over a handful of years. There has always been this constant idea that the stock market must always, eventually, go up. The only true mathematical factor that I can think of that should guarantee an "up" is inflation. Just to use a simple example, if the S&P value was worth $1B Jan 2024, but on Jan 2026, $1B in cash from Jan 2024 was inflated to $1.2B, then logically speaking if nothing had changed with the S&P, it should obviously go up in value to match inflation. Outside of that, everything else is really just a casino wager, with likely better odds in your favor to win something long term. We have to trust what companies leaders tell us, we have to trust the government, etc.. Just remember, it took the Nikkei almost three decades to bounce back. https://asia.nikkei.com/Business/Markets/Nikkei-index-hits-30-000-for-first-time-in-three-decades You could put $100K in, have a huge massive down movement, then sideways for two decades, if not three! Another user posted a great article about reinvesting dividends and that is something I'd almost rather look for than bank on growth stocks that don't pay anything and are only flying high based on pure speculation. I would look at including funds such as VHYAX, VVIAX, and VIHAX
Looking for opinions on additional money allocation Hey All, Current portfolio: Funds: VIGAX - vanguard growth index admiral (Roth) VWIGX - vanguard international growth investors (Roth) VITSX - vanguard total stock market institutional (401k) Individual Stocks: primarily high growth tech and some large blue chips (brokerage) I have additional money that I am looking to invest and was wondering where should I go next: Roth: 1. Add a new fund - value fund (ex: VVIAX, vanguard value index admiral) this should help balance a lot of growth in my portfolio already. 2. Just continue to add to VIGAX/VWIGX. Brokerage: 1. Do some DD on some value fund stocks and purchase individually. 2. Add to winners in existing brokerage. Curious if anyone is in a similar boat. Just looking for some advice. I am trying to diversify without over thinking and diversifying just because. The total market fund helps but otherwise I dont want to get slammed completely if (or when really) growth takes a hit. Some assumptions: 1. 401k maxed so no changes there. 2. Will have more than 6k so will be a mix of a roth solution + brokerage.
I've thought about this before and I think an index fund geared towards large cap value stocks is the best answer (VVIAX)
Selling puts on stocks I'd like to own, VTSAX, and VVIAX. I'm staying fairly conservative because I'm still expecting a significant correction at some point because high valuations can't possibly last forever--just ask the Tech Bubble.