VWUAX
VANGUARD U.S. GROWTH FUND ADMIRAL SHARES
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Do I need to pay capital gains tax on lots with gains even tho it's a total unrealized loss?
Do I need to pay capital gains tax on lots with gains even tho it's a total unrealized loss when I sell all the lots for this Vanguard fund?
Is there a good reason I shouldn't sell all my VWUAX and throw it into VTI?
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My trad IRA is clocking close to $600k. I keep around $50k available for speculating on individual stocks. I made around $8k on AMD & Intel last year, and reinvested in Intel when they hit rock bottom around the gen 13/14 chip failures. I'm up another $2k on intel. My SMH play of about $2500 is up $1.2k. I'm up about $500 on Grail and down $1k on Procept, a couple speculations from the healthcare industry. I'll probably exit Grail soon and Procept soon if it doesn't recover. I have $3k in T Mobile, but it's neither gained or lost, and $10k in my own company that's down about $2k. So my little speculations have me up around $9k overall poking around. But comparatively it's such a small amount of my portfolio, and since I don't have to worry about capital gains in an IRA (or Roth IRA), it feels a bit more free to speculate more rapidly. My main holdings are things like $224k in VTSAX and $125k in VWUAX. I bet on the market with 90% of my portfolio.
I'm 65, retired for the years, I had heard the mark was a net worth of 1.2 million, but that really depends on your planned draw after you retire. I hit 1 million at 50, 2 million at 60. 7% yearly was as good as I knew at the time. Retired at 62 with 2.2. am 65 and into VTSAX, FSK, VWUAX. got lucky having bought Nvidia at $10 for 1000 shares, stupidly sold at 110, because advisors valued the stock at $90. It'd be over 10x if I held. Bought Oracle at $4 so many years ago, bought AMD at $10, sold a week later at $110. I do have a bunch of my IRA in the standard retirement funds. We live of of one that is worth $500k and hasn't been reduced in the years of retirement and all the others are growing. 65 and net worth had grown to 3.2 million. My biggest mistake was putting to much into retirement funds and not enough into ROTH. Here is what I think you should do: 1) calculate the top of the 12% tax bracket, married it's somewhere around $126.95k 96,950 +30,000 2) always do the company match, but try not to put any of your income upto #1 amount into your 401k. Put in to reduce your yearly income to the #1 amount. 3) instead invest it personally, when you retire you live off this amount, and take the full 12% amount and roll it into your ROTH. You can write a check, pay the taxes (20%) add that 20% from your savings, and roll it all into your ROTH I have about 1.8 million in IRAs, and I'm going to have a really hard time spending that without paying 22% taxes to gain access to it. I could have had alot of that in personal investments had I not been so aggressively adding to my 401k.
Depends honestly. I started actually investing in November 2021. With the covid market decline, it took long enough to recover that overall from then til now I'm only at 11.5%. Mostly in Vanguard Admiral funds, VMGMX, VTSAX, VTWAX, VWUAX.
VTSAX/VWUAX/VMGMX for me, and it's getting there.
I'm on this sub for loss porn really. I've never had a dime in GME. I am up 16.4% for the year, but it's super unsexy. VTSAX and VWUAX mostly. Just easy steady growth in my IRA with 2049 retirement goal.
You can just sell VWUAX and buy VTSAX. Since it’s in a retirement account there are no tax implications since it’s not a distribution
Since it's in a 401(k), you shouldn't worry about taxes/penalties: feel free to sell and buy as you please. Admittedly, I'm a fan of Vanguard's growth-focused funds such as VWUAX and VIGIX, but having only VWUAX and an ex-S&P 500 funds in your retirement savings is risky: you are missing out on "non-growth" top-notch companies like P&G and Costco. So yeah, it would more advisable to sell both of your funds and buy VTSAX to replace them.
Thank you for the reply. Since 401k is post tax, I can sell the current holdings of VWUAX and buy into VTSAX without any penalties / fees?
I went for VTSAX over VFIAX. Well, VMGMX, VTSAX, VTWAX, and VWUAX, but I have the most ($113k) in VTSAX. I'm hedging bets weirdly in my portfolio.
Late July is around when the S&P peaked this year. E.g., VOO was around 415-420 a share that last week of July. It's down around 2-2.5% since then. "Vanguard US Growth Admiral" (looks like VWUAX) is maybe a touch more, like 3ish% since then. Didn't bother calculating the other smaller ones. 1k on a ~59k account (both your contribution and roughly what you're down from that peak)is like 1.6%. So (in oversimplified math), you contributed 1.6% of your acct balance, the market dropped 2-3ish%, and you're down ~1.6% on net. Sounds about right.
Is VWUAX still a viable investment strategy? I invested in the fund back in 2020 and have approximately $100k in the fund (down about 20% all time due to the market downturn). Should I take the tax loss harvesting route and reinvest into another fund such as VTSAX? VWUAX is now closed for new investors, which has me a bit concerned since I don’t know why Vanguard closed it for new investors.
Hi Investors - I want to rejuggle an IRA i have for retirement, It's from a previous job, currently close to $400k. Likely won't touch this for 12-15 years. I am in US. Middle aged and only interested in growth. Not interested in international or reit or anything else. Currently VMGMX, VSGAX, VWNEX, VWUAX. I want to put more of a focus in the large cap growth funds and think I might need to move to these funds to VOO or VOOG for better performance. Or maybe a balance between VOO (G) and VTI or similar ETFs?
I believe before you do anything you should come to terms with performance chasing. One of the biggest mistakes that investors make. What will you do when VTI is down and VWUAX is up, are you going to switch back? Also be sure you are aware of any tax consequences before you do this. If it is in a tax deferred account (401k, IRA, ect), you won't have to worry about taxes.
I got a check for a company stock buyout a year ago. I decided not to worry about DCA and just stuffed it in a couple different mutual funds and etfs. It was about $198k. Right now I'm at $155k. 26.3% loss. All paper loss, I haven't sold since theres not really anything I need the money for (also, IRA, penalties, eep). And even then, it's outsized loss from VWUAX, which is a Growth Fund. That one has lost 50% of its value in the last year, and I put a pretty big investment into it. To go from what OP had to where it is now, that's indicating what you're saying, that it was put in some pretty high risk plays that didn't payoff.
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.
VWUAX VBTLX VTABX VWITX all below February 2020 all time highs. Either this is the end, or Vanguard is stealing people's money.
hey kids - having fun yet? Question about choosing funds in my retirement account which i won't be using for 15 years or so. I also have a 401k, but we can work on that later. In my Vanguard IRA I had about 400k spread across VMGMX, VSGAX, VWNEX, VWUAX. Now it's about 300k. Awesome. I was thinking about switching from the mutual funds to Index funds like VFIAX, VTI, VIG, VIGAX or similar, growth stock funds so I can grow as much money as possible curbing my risk level about 10 years from now. My question A.) Is it worth changing? I would think so because the index funds have a lower cost and invest in essentially the same things, right? And if so, is now the right time to make that change?
Watch out for actively managed mutual funds - even ones with low fees. I got burned by Vanguard this year as they made trades within some actively managed funds (specifically: VWUAX, VPMAX, and VHCAX) - I didn't sell - but had realized gains (within the funds) that BURNED me at tax times.
Damnit. Had to look since I couldn't remember. It's all in VWUAX. Down just over 20% ytd. Good thing I have many many years until retirement (maybe a few more if 2022 keeps happening).
I have a stock buy program with the new company (mine was recently bought by a Fortune 500) and I'm going to start doing that with my 401k. They do a partial match for buying our company shares. And yeah. I invested end of November, practically at all the all time highs, and put too much into VWUAX apparently, since growth stocks are taking a major shit right now. Whats the phrase? Time in the market rather than timing the market, after all.
Yo, me too buddy. Had a $198k lump come into my lap from a work stock buyout, and tossed it into a variety of mutual funds and ETF's in November. Down $20k from where I started, which with cap gains proceedings from the funds and dividends means I'm doing even worse than that. Happy fuckin' new year. Luckily I'm only 32 and there's plenty of time for recovery. And I'm still pending the other $198k from the buyout (two more distributions). So I'm glad I'll get to DCA a bit, double down on fucking VWUAX. Honestly, nothing else I have is doing that bad, but that position is down $17k all on its own.
Can hardly blame them with how the market behaves sometimes. I got a stock buyout and put it into a mix of stuff in November, but $60k went into VWUAX. Even with a capital gains disbursement, all said and done I'm down $14k on that security alone. Now, I know to ignore market downturns since things do recover over time (even VWUAX has had worse falls in recent memory) but a lot of people have a "cut your losses" mentality, and it burns them in how the idiocy of market behavior functions. It doesn't feel great to be down a total of $13k or $14k for my entire portfolio in, essentially, three months though.
Start a UGMA/UTMA account for them if you want to just gift them a start on retirement savings. Since time is on their side, you want to manage this as little as possible. I would buy a blue chip fund since it has the greatest reward vs risk ratio. Look at VWUAX and be done with it. Otherwise, start a 529 and pick one of their total market funds and contribute regularly.
So am I doing this right? I’ve adding into my 401k at least the company match and often more since I was hired about 5 years ago. The options they have are various target retirement dates, FXAIX, VEIRX, VWUAX, a mid cap, and a couple small cap index funds. At first I was pumping it all into a target retirement date fund. But then I realized I have a super stable job that pretty much only the world ending would stop. (I finished school and have now been working as a nurse the last year). So I transferred it all into FXAIX as it’s slightly more aggressive with a lower expense ratio. My plan is to keep it there until I start getting closer to retirement and then diversify it into less aggressive more stable funds. Am I totally off the wall wrong here or is this a decent plan?