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What Index funds do you have in your portfolio

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  • What Index funds do you have in your portfolio

    The mantra has been - do not buy individual stocks or actively managed funds but only index funds.

    Well, the problem is that there are a ton of index funds. If you look at Vanguard there are 31+ index funds. And their 10 year returns are all over the map.

    I am forced to move one of my former work place 401K to Vanguard. Has probably 45K. Trying to find the right mix of funds for growth and not needing to take it out for 15+ years.

    So what set of index funds do people here have?

  • #2
    I would start with the big ones:

    • Vanguard Total Stock Market Index Fund

    • Vanguard Total International Stock Market Index Fund

    • Any of the Vanguard bond funds act like an index fund (low cost, low turnover, broadly diversified) whether they say "index" in their title or not.


    If you want to slice and dice your portfolio, popular choices are the Vanguard Small Value Index Fund and the REIT Index fund along with the Developed Markets Fund and Emerging Markets Index Fund.

    But first you need an asset allocation before choosing investments. Then choosing investments is the easy part.

    Also, be aware that rolling money from an old 401(k) to a traditional IRA at Vanguard is going to screw up your backdoor Roth IRA options. Might be better to leave it, roll it into your new 401(k), get some self-employment income and open up an individual 401(k) and roll it in there, or just pay the taxes and convert it all.
    Helping those who wear the white coat get a fair shake on Wall Street since 2011

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    • #3

      I have TIEIX(TIAA-CREF Equity Index Fund Institutional Class), VBTIX(Vanguard Total Bond Market Index Fund Institutional Shares) in my 403b.



      And in my IRA and taxable account I have VTIAX(international), VTSAX(total stock market), VBMFX(total bond), VGSIX( REIT)


       

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      • #4
        I have total market / S&P 500 (TLH partners) and 2 international funds (TLH partners) in taxable.

        I have small cap value, REIT, and emerging markets in Roth.

        401(k) / 457(b) have a total bond fund, mid cap index, and small cap index.
















































        Taxable
        VFIAX
        VFWAX
        VTMGX
        VTSAX
        Roth IRA
        VSIAX
        VEMAX
        VGSLX
        401(k)
        VBMFX
        VSCIX
        457(b)
        VMCIX
        VSCIX

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        • #5
          "Forced to" more like "have the wonderful opportunity to" move to Vanguard.   

          For me:

          VFIAX - Vanguard 500 Index

          VMVAX - Vanguard Mid-Cap Value Index

          VSMAX - Vanguard Small Cap Index

          I got my employer's plan administrator to add Vanguard Small Cap Value Index too, so will be able to have that soon.

           

          I also have some Vanguard ETFs in another account.  I still feel like I am missing something on ETFs  :P

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          • #6


            Also, be aware that rolling money from an old 401(k) to a traditional IRA at Vanguard is going to screw up your backdoor Roth IRA options. Might be better to leave it, roll it into your new 401(k), get some self-employment income and open up an individual 401(k) and roll it in there, or just pay the taxes and convert it all.
            Click to expand...


            Unfortunately the money was in a holding company who would have invested in funds of their choice by 11/25 if I had not rolled over into Vanguard.

            I plan to convert all my different IRA's into Roth next year and use it mainly to leave it as inheritance. Just waiting for the right year to make sure that my tax bracket is not too high.

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            • #7
              This is what I have (with overall percentages).  My portfolio is kind of a mess due to multiple TLH partners and so many different accounts.

              401(k)/457(b)

              SCHZ .1251

              VIIIX .1058

              SCHH .0461 

              ROTH IRA

              VBR .0893

              VNQ .0172

              VB .0131

              HSA

              VBMPX .0132

               

              TAXABLE

              SCHA .1385

              VSS  .0982 

              SCHB .0878

              VWO  .0834 <--> SCHE .0087

              VO .0565 <--> SCHM .0154 

              SCHV .0427

              VEA  .0358 <--> SCHF .0053

              IWN  .0180    

               

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              • #8
                My retirement accounts and largest taxable accounts are at Fidelity, so my largest pure index funds are Fidelity Spartan Index Funds: total stock market, total bond market, and total international stock. That said, my largest holdings are the DFA Core Stock II fund (including the tax managed version in my taxable account) and the Bridgeway Omni Small Cap Value fund (again including the tax managed version in my taxable account). Both of these funds were obtained when I used an advisor.

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                • #9
                  US equity:
                  VTSAX
                  FXSIX (403b)
                  TSP C

                  Int'l equity:
                  TSP I

                  Domestic fixed income (just a little):
                  BND
                  TSP G

                  Pretty typical, really

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                  • #10




                    I wouldn’t put the REITs in taxable.
                    Click to expand...


                    Yeah, the REIT is the IRA not in the taxable.  Also have some TIAA Real estate fund(QREARX) in 403b,.

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                    • #11
                      vb
                      Vbr
                      Schc
                      Schd
                      Sche
                      Vnq
                      Vnqi
                      Rzv
                      Vti
                      Vwhex
                      Schf

                      Bonus individual holdings:
                      Aapl
                      Gm
                      Fcau

                      Can't help myself. There's a justification for all of the components - for whatever it's worth.

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                      • #12
                        Any of you have index funds in a taxable portfolio for 10 years or more. Can you run a report and see what returns that they have given you.

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