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Started By
Message
Majority in which fund: VTSAX ... VFIAX ... QQQ
Posted on 4/26/22 at 9:00 am
Posted on 4/26/22 at 9:00 am
I've created a Vanguard account and want to park my money in a great fund. Any thoughts on these three funds for the majority (let's say 80%) of my portfolio? Assuming nothing tragic or unfortunate happens, this is a long-term hold (20+ years).
VTSAX is Vanguard's Total Stock Market Index Fund.
VFIAX is Vanguard's 500 Index Fund.
QQQ is Invesco's Nasdaq-100 Index Fund.
VTSAX is Vanguard's Total Stock Market Index Fund.
VFIAX is Vanguard's 500 Index Fund.
QQQ is Invesco's Nasdaq-100 Index Fund.
7
Posted on 4/26/22 at 9:09 am to GentleJackJones
Why not 33.3% in each?
Posted on 4/26/22 at 9:39 am to Skippy1013
quote:
Why not 33.3% in each?
Because the way I understand it, it'll be considerable overlap. I'm also not sure what the fees/expense ratio for QQQ on Vanguard's platform is, but VTSAX and VFIAX are at 0.04.
Posted on 4/26/22 at 10:03 am to GentleJackJones
Can't go wrong with just VTSAX.
Posted on 4/26/22 at 10:21 am to GentleJackJones
quote:
(20+ years)
You will be happy no matter what you choose.
Posted on 4/26/22 at 11:34 am to GentleJackJones
I put into both in 2020. My 1 year return on VFIAX is 15.60%. On VTSAX is 11.67%. No idea if this helps you-I know zero about investing. FWIW, VIGAX is 23.40%.
Posted on 4/26/22 at 11:41 am to AlxTgr
I split my retirement account contributions like this
VIGAX 50%
VMGMX 15%
VWILX 15%
VSGAX 10%
VTSAX 10%
There’s a lot of overlap but they’re all good low cost funds. I’ve got about 20-25 years left to just let them ride.
As I get closer to retirement, I’ll transition into more dividend funds and mixed or bond funds.
VIGAX 50%
VMGMX 15%
VWILX 15%
VSGAX 10%
VTSAX 10%
There’s a lot of overlap but they’re all good low cost funds. I’ve got about 20-25 years left to just let them ride.
As I get closer to retirement, I’ll transition into more dividend funds and mixed or bond funds.
Posted on 4/26/22 at 12:18 pm to white perch
quote:I've got about 10. We might need to talk then
I’ve got about 20-25 years left to just let them ride.
As I get closer to retirement, I’ll transition into more dividend funds and mixed or bond funds.
Posted on 4/26/22 at 12:24 pm to GentleJackJones
quote:
VFIAX
That's where 70% of my Roth IRA is and it's treated me very, very well over the years.
Posted on 4/26/22 at 12:25 pm to white perch
quote:
I split my retirement account contributions like this
VIGAX 50%
VMGMX 15%
VWILX 15%
VSGAX 10%
VTSAX 10%
There’s a lot of overlap but they’re all good low cost funds. I’ve got about 20-25 years left to just let them ride.
If there's a lot of overlap, why pay additional fees if you don't have to? I know Vanguard's funds are very cheap but still.
Posted on 4/26/22 at 12:31 pm to TDsngumbo
quote:
why pay additional fees if you don't have to
I’m not really paying any more in fees. It’s all just a percentage of the total in each fund.
Posted on 4/26/22 at 12:35 pm to AUFanInSoCal
quote:
Can't go wrong with just VTSAX.
This. Don't overthink it
Posted on 4/26/22 at 12:54 pm to GentleJackJones
I have 50% in VDIGX (Market) and 50% in VGSLX (Real estate)… both also pay dividends .
Posted on 4/26/22 at 1:53 pm to GentleJackJones
Yes, but each gives you different things. Total Market gives you mid cap and small cap stocks, whereas the S&P 500 does not. QQQ gives you a lean towards Tech Stocks, the top 100 in the Nasdaq.
QQQ has an expense ratio of .20%, meaning $20 per $10,000 per year.
QQQ has an expense ratio of .20%, meaning $20 per $10,000 per year.
Posted on 4/26/22 at 2:47 pm to white perch
True but do they all charge the same fees? I haven’t looked it up but I’m sure they’re all slightly different. In the end, it’s peanuts but still, why pay more than you need?
Posted on 4/26/22 at 3:04 pm to TDsngumbo
quote:
True but do they all charge the same fees? I haven’t looked it up but I’m sure they’re all slightly different. In the end, it’s peanuts but still, why pay more than you need?
VWILX is the highest one at 0.32% but it my only international exposure.
The rest are between 0.04-0.07% so my average expense ratio is pretty damn low.
And again, like you said, in the end we’re talking about Pennie’s
Posted on 4/26/22 at 3:17 pm to white perch
I have VFIAX and VWUSX in my Roth and just a target date fund and VYM in the wife’s Roth. I also have a few stocks and funds/etfs in a taxable fidelity account that I play with that I’m about to start investing more regularly in some dividend stocks with. I’m fortunate to have a job that pays me nice bonuses regularly so most of those are going towards catching up from years of neglecting my IRA and the rest is going towards individual stocks. Feels good to finally get serious about all that.
Posted on 4/26/22 at 3:25 pm to GentleJackJones
There will be a lot of overlap, but my biggest critique is lack of dividend. Find a dividend what the etf that pays 3%
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