Vtsax vanguard reddit. 16 in dividends and my VTIAX shares would have paid out $32.

Vtsax vanguard reddit VTSAX doesn’t require a Vanguard account, but it does require a $3000 minimum investment (and if buying it outside of Vanguard, it likely comes with a fee). Or check it out in the app stores Jack founded Vanguard and pioneered indexed mutual funds. Vanguard: VTSAX vs VTI . VTWAX will particularly help if/when global market cap shifts from the US to asia pac. 3 fund: VTSAX - Domestic equities VTIAX - Intl equities VBTLX - Domestic bonds Jack founded Vanguard and pioneered indexed mutual funds. 05) instead of VTSMX which is a mutual fund with a slightly higher expense ratio. With VTSAX, you buy/sell at the end of day price regardless of when the transaction goes through. So if you wanted to bypass that fee, you could open a Vanguard account and buy VTSAX there. Targeting cookies. They take some time to upgrade you. Performance cookies. Right now I have 3 shares of VTI in Robinhood. They won't let you purchase <$2 worth of VTSAX, but above that you should be able to. These funds are diversified and often include shares in things like VTSAX & VTIAX and get increasingly conservative in investment strategy the closer you get to the target date. If you don’t know VTI is the same as VTSAX but is an ETF and not a mutual fund. I know the funds are basically the same, just VTI has slightly lower expense ratios. ) may allow fractional share investing on ETFs, so this may be a moot point. g blackrock). I understand that VTI is the ETF, and has a lower expense ratio (. 10 votes, 26 comments. I heard in the book that you have to be careful of "commissions and spreads" if you are using brokerages other than Vanguard. I will add that Vanguard Professional Advisor Services still prefers VTSAX. It is an Index mutual fund. our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly Funds to consider would be Vanguard bond funds, perhaps a REIT fund, etc. has 80% large/giant companies, 15% mid size and 5% small. I set it and left it alone, and I thought that this was a smart investment strategy. Same goes with VFIAX = VOO. Age 30. As for the high-yield dividend one: those would tend to create more taxable events (i. 04. Or check it out in the app stores &nbsp; &nbsp; TOPICS. I took a screen shot of the options presented to me. Jack founded Vanguard and pioneered indexed mutual funds. $3000 each into VTSAX and VTIAX ($3000 minimum for each fund) Thanks for finding us here on Reddit to ask your questions. However then I saw in the comments that you can get the Vanguard ETF versions to avoid the fees. There's no real cost in keeping your VFIAX until they're a year old; it follows VTSAX very closely anyway. Other brokerage offer this admiral shares with fees "per trade" witch is very costly. I’m 35 as well and went from 100% VTSAX to 100% VTWAX in my Vanguard Roth IRA a few months ago Jack founded Vanguard and pioneered indexed mutual funds. VTSAX: Total US stock market index VTIAX: As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity Selling VTSAX Vanguard Mutual funds . Doing research people say VTSAX, or "following the market" is generally the best strategy for long term investors. , Fidelity, Vanguard, etc. You may be convinced you will never leave vanguard but we are talking potentially the next 50 years. So the reason would primarily be personal based on your own evolving needs from a broker and investment adviser. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. Note that Yesterday my wife moved her 2050 TD to VTSAX within her Roth. ? Feel like everyone or only talking about buying VTSAX instead. , automated investing in mutual funds in a taxable account), consider opening a taxable brokerage at Vanguard and doing the automated investing with VTSAX for example. She has a traditional IRA that’s also 100% VTSAX and how the Roth is also 100% VTSAX. Vanguard allows investors to convert from VTSAX to VTI, but not the other direction. It literally doesn't matter, though some places might charge you to hold or transact with VTSAX outside of Vanguard. I have a Roth IRA where I can't buy VTSAX. Just sell VTSAX and buy VTI then you don't have to worry about anything. My gut is telling Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. I have VTSAX for my Roth IRA, the 401k will be my second fund. Currently planning to move the cash currently in Schwab to Vanguard, and DCA buying the mutual fund over the next 12 months. VTSAX is perfectly reasonable risk for you right now. And if you're only going to About a year and a half ago I started a self-managed 3-fund portfolio on Vanguard, I automated weekly investments of 54% VTSAX, 36% VTIAX, and 10% VBTLX. The ETF equivalent is VTI but it is the same underlying fund. Or you could see if TDA has something equivalent that wouldn't cost a fee. Vanguard was great 20 years ago when they did offer low fees. I'm new to the financing game, and I'm wondering what would be the better option of the following: $6000 into Target Retirement Fund 2055 ($1000 minimum, I'm turning 34 next week). To get the ball rolling, I was going to put 5K to either VTI or VTSAX. The S&P 500 forms the majority of the American stock market, so it tracks pretty closely with the total market. If you have VTSAX, keep VTSAX. 04% Large Blend Table last updated at 19 Apr 2021 12:01:48 GMT-0400 One small thing to mention, which you are probably already aware of. VTWAX would replace VTSAX, not be paired with it. I’ve read it’s not advisable to have a target date unless you’re 100% TD. Here's why: if you move it to say fidelity as an "in kind" transfer, fidelity will charge a transaction fee for selling any portion of the fund after settlement. For taxable investments I auto-invest in VTSAX and VTIAX at Vanguard. Users share their opinions and experiences on investing 100% of their retirement savings in VTSAX, a US total stock market index fund. As for using Sofi vs Vanguard, if Get the Reddit app Scan this QR code to download the app now. Is this a good combo? Vanguard lowered the initial minimum for VTSAX to $3000 about 2 years ago. It's a great fund, but holding only the US market is less diverse than holding the entire world. I’m happy to explain the rationale and the history of this shift if you think it’s interesting. At the moment I have ~$50,000 in an online savings account making a pitiful 1. VIGAX has even better performance then VTSAX and has had for about Get the Reddit app Scan this QR code to download the app now. Active managers want your money - our advice: keep it! vanguard's target date funds have relatively low feesgrowth depends on the holdings of each particular fund. I've been VTSAX (and some VTIAX) and chill for a few years now with my Vanguard Roth IRA. First, you don't have to sell and buy, vtsax is literally the same fund so Vanguard will convert mutual fund to ETF shares with no tax liability. If it sounds boring, then there’s no reason to care. You can transfer VTSAX shares directly to many brokerages. Get the Reddit app Scan this QR code to download the app now. Fidelity charges fees ($75 I think) for holding VTSAX (or other vanguard Index funds), so make sure you take that into account when doing your math As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. And strong correlation between US tech stocks and microsoft. Putting x amount every month into VTSAX and not looking back unless an investor loses their job or retirees is nice. Another difference, as you noted, is the lower entry fee for ETF, and yet another is that some custodians won't let you buy fractional shares of ETF These will have technically lower expense ratios than VTSAX, perform very similarly to the point which is ahead can change by the day, and all 3 only have $1 initial and continuing minimums (compared to Vanguard's index mutual funds starting at $3,000 initial). Apparently investor shares are automatically converted. I'd call VTSAX the more aggressive one due to the inclusion of smaller caps. Since ameritrade is part of schwab now I believe most of schwab mutual funds are transaction free. SWTSX is good low cost broad index fund; I use it in my Roth IRA. Vanguard is doing what it can to push all investors into the ETF versions of its funds. If you have VTI, keep VTI. I'm wondering what your thoughts are about All World Vanguard ETF Accumulating Fund. 09 in dividends. Under Where's the money coming from?, select From my settlement fund. However, the account does not seem to have VTSAX or any of the other big ones that are often mentioned (VBTLX, VTIAX). Reply reply VTSAX Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 0. VTI/VTSAX and VXUS/VTIAX are different share classes of the exact same product. There's also VFIAX and VFIAX. After doing some initial research I’ve narrowed it down to either VTSAX or VFIAX. Okay, that's good. Entirely possible Vanguard (the company not fund) is terrible 50 years from now. As far as funds? They are identical, except one is in the MF format and one is in the ETF format. Pretty sure JL Collins specifically recommends VTSAX. Mutual funds may be traded for a different one as a single transaction at some brokerages, ETFs must be Everyone on Reddit will say VTI but returns are almost identical with VOO having slightly better returns over the past 10 years. If you move VTSAX to a broker other than Vanguard, then try to sell, you will most likely be charged a per-transaction fee of $25+. Source: talked to Vanguard customer support. That said, the conversion is not a taxable event. ER cannot include all fees because different broker charges different fees. The ETF version is VTI. Most brokers don’t allow you to buy & sell Why then, you may ask, have funds like Vanguard Total Stock Market Fund (VTSAX & VTI) beaten Vanguard's TDFs by such a large margin recently? The answer is not bonds; it's international stocks. VFIAX is the S&P 500 fund. VTSAX is absolutely not at an acceptable risk level for in 28 years. You can find a link to this tool below: Fund Screener. Certainly nothing wrong with just VTSAX, however you would get added diversity by doing a Three Fund Portfolio, holding percentages of total us stock market index, total international stock market index, and total bond market indexpercentages depend on your I've heard to max 401k first and foremest, but what if I plan on switching jobs every 1-3 years to increase salary until I'm 10 years post college? My current company uses Vanguard Target Date Funds. If you wanted VTSAX, you should consider adding the total international market VTIAX, but then you'd want to rebalance once a year. Any time someone says VTSAX and chill that’s the Vanguard Total Market Admiral Shares. In our workplace plans, Vanguard mutual funds do not carry a front loaded fee; however, this may not be true for our Brokerage Link Accounts. The easiest thing would perhaps be to purchase shares in one of Vanguard’s Target Date Funds. If you have another broker go with VTI. If you go FXAIX, you can always add in the stuff that's in VTSAX by buying an extended market fund like FSMAX. 04% for VTSAX), but slightly lower returns over Just as a counter-argument here: most stock sectors track the overall stock market, so holding a fund specifically with, say, commodities or health care will usually not generate better long-term returns than total market (VTSAX) or large-cap index funds (VFINX/Vanguard 500). Basically, if you buy in the correct proportion (80/20, roughly), FXAIX + FSMAX = VTSAX. VTI also has a . I have been reading the book (in progress) "simple path to wealth" and it mentions about investing in VTSAX. reReddit: Top posts Not a fan of Vanguard because their customer service has disappointed me. What recommendations do you have? I'm 23 and just starting accumulation. I don't understand the statement that VTSAX is probably fine. Your privacy. VTSAX is the way to go. I do this regularly. I am currently maxing out my 401k, Roth IRA, ESPP, and now have the opportunity to start investing in a taxable brokerage account. 25% and am considering keeping just enough in there for an emergency fund and moving the rest into a taxable brokerage with Vanguard (all in VTSAX). Both fidelity and Schwab have 24/7 customer service, and I prefer Fidelity’s a little more. The only reason I have these accounts is that I received an inheritance and needed to invest it somewhere. Currently that's roughly 60% US (think most of VTSAX) + 40% ex-US (think most of VTIAX). I've pretty much decided on going all in VTSAX, at least for the next few decades. Mutual funds buy/sell at the end of the market day, have minimum initial investments, and offer fractional shares purchasing on all VTSAX does not charge a fee to sell. VTI, VTSAX, FZROX, SCHB, ITOT, etc, etc are all low fee total market index funds. While usually true for now, Vanguard has patents that let several of their index mutual funds (VTSAX included) use the same technique that ETFs use, so there is no difference. Expand user menu Open settings menu. Only automatic investing of ETFs that I know of is M1 Finance, and they charge a fee if you transfer positions out. Or check it out in the app stores SWTSX (Schwab Total Market Index) versus VTSAX (Vanguard Total Market Index) -- can you find any meaningful differences between these? (e. VTI is therefore a share class of VTSAX and its Net Asset Value will be identical to it. VTSAX. " BlackRock’s ITOT is the better total market ETF than Vanguard’s, and arguably, the best overall. Hey everyone. I'm trying to budget for my 2020 Vanguard Roth IRA. Should I be in something else? Holding ITOT in taxable and VTSAX in tax sheltered means it is impossible to create a cross account wash sale. This patent will expire in 2023 so I suspect other financial institutions will copy the same method. Units, Warrants and the best DD Hey group, I'm fairly new to investing and looking to buy Fidelity alternative versions of VTSAX, VTIAX, VBTLX & VTABX for my Fidelity Roth IRA. I was planning on following the Boglehead mentality of VTSAX to keep expense ratios low and be aggressive with allocations to stocks (I'm only 23). Fees are 0. SWTSX has a slightly lower ER (0. VTSAX is Vangard’s total us equity market fund, and it’s expense ratio is 0. Admiral shares is only good if you buy them with Vanguard but again each of this required min of 3. Ideally looking for something similar to my 401k portfolio I recently started a new job which has a 403b retirement plan through Vanguard. My husband and I (25M and 25F) make about $200k-$220k jointly and both max out our 401ks, IRAs, and HSAs; we are also debt free besides our mortgage. If you don't have any better choices, then you should be 100% into VTWAX. Some brokerages (e. Thanks for all the help! Sorting all of Vanguard's Mutual Funds by average return since date of inception, VFTAX (FTSE Social Index Fund Admiral Shares) is performing extremely well. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Active managers want your money - our advice: keep it! Search VTWAX vs VTSAX on reddit and Bogleheads. I've been following the Boglehead method of investing in VTSAX but the potential for significantly more return is on the table with some of these other mutual funds. $10,000 invested in VTI today and $10,000 invested in VTSAX today will be worth the same in 30 years. As shown in several threads, their performance over time is nearly identical, I just opened an account with Vanguard (after a couple of years of hesitating or being scared) with a back door ROTH IRA, 100% on VTSAX and a Taxable account with 90% VTSAX and 10% VGT. Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) - Find objective, share price, performance, expense ratio, holding, and risk details. Even if you bought VTSAX it 2000, from 2000 - current day you would of been much better off with VTSAX vs VT or VTIAX, by a longshot. So for a general investor it's probably fine to go all-in microsoft. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. VTSAX alternative within Vanguard No VTSAX in my retirement plan options, what can I choose instead -- I wanted to do a 60/40 split between US and International - While there is an option for the latter, there is nothing I know can capture what VTSAX for domestic. 04% Large Blend VTWAX Vanguard Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. It's on top of ER. With VTI, there However, if you really wish to go that route (i. Right now there is about $225,000 in the taxable and $7,000 in the IRA. I read on his blog that VTI is the ETF version of VTSAX. Vanguard has patents that allow it to make ETF share classes for some of its index funds. As an official Fidelity customer care VTSAX and VFIAX have been nearly 100% correlated for the last 20 years (unsurprisingly because VFIAX is about 85% of VTSAX by weight). They follow the same index, but ETFs trade easily like a stock. VTSAX has the same tax advantages as VTI. VTSAX is same as VTI. Our goal is to help Redditors get Yes. Vanguard has patented a unique tax structure to reduce mutual funds cap gain distributions. But for some specific suggestions using Vanguard as an example (other brokers probably have similar offerings) Passive funds: VTSAX Vanguard Total Stock Market Index Fund Admiral Shares (ETF: VTI) VFIAX Vanguard 500 Index Fund Admiral Shares (ETF: VOO) Active funds: VTCLX Tax-Managed Capital Appreciation Fund Admiral Shares Holding ITOT in taxable and VTSAX in tax sheltered means it is impossible to create a cross account wash sale. VTSAX is not an ETF. It’ll mirror similar returns to VTSAX (inconsequential differences). Our I read on his blog that VTI is the ETF version of VTSAX. To quickly answer your question, you can find similar Fidelity funds to the Vanguard Total Stock Market Index Fund (VTSAX) with our Fund Screener tool. REITs and precious metals are notable commonly-cited exceptions. My companies 401k is through Vanguard but I do not have a VTSAX option. Many brokerages have some sort of "total us market" index fund: VTSAX at Vanguard, SWTSX at Get the Reddit app Scan this QR code to download the app now. As far as VTSAX, lots believe you don't get enough international exposure, lots believe you get plenty of indirect international exposure. Those are supposed to be very slightly more tax efficient, but that really doesn't matter when it comes to Vanguard. No. It tracks the CRSP US Total Market Index. An IRA, unlike a 403(b) or 401(k), has a basically unlimited menu of investment options at very low costs. org and you'll find many discussions on both. This only matters in a taxable account and doesn’t apply to VTI/VTSAX because VTSAX has a structure unique to Vanguard that lets it also not distribute capital gains. I am looking to be very heavy into VTSAX at around 80-90%. true. I was reading that Vanguard allows you to convert mutual funds to ETFs and I notice VTI has a slightly lower expense ratio than VTSAX. As for the bond fund, an increase in interest rates will lower the price of the bonds that are currently held by the fund, so the price of VBTLX will definitely go down. You can only do it once for each share (so you can’t keep swapping it back and forth). I saw a previous post saying: FSKAX+FTIHX might be a good alternative to avoid the $75 fee. VTSAX does not pay interests. I read several articles on this, and I'm still not sure if I understand it, so I'm hoping some of y'all can set me straight. If you dig into the differences between a mutual fund and an ETF you'll find that the structure of a mutual fund will typically pass on more taxable events than an ETF. For simplicity, my work (traditional) 401k and HSA through Fidelity are VANG TARGET RET 2055 (VFFVX) and FIDELITY TOTAL MARKET INDEX FUND (FSKAX) respectively. At this point they're just riding the past hype. When you visit any website, it may store or retrieve information on I am currently maxing out my 401k, Roth IRA, ESPP, and now have the opportunity to start investing in a taxable brokerage account. S. I have found VTI (Vanguard Total Market ETF). However, Vanguard has a patented "heartbeat trade" method that washes away taxes by rapidly pumping stocks in and out of a mutual fund. We can definitely help you out. If your broker is Vanguard VTSAX would be the better option because you can automate purchases. Those patents may expire soon (I've seen 2023 mentioned), at which point other mutual fund providers may start to use the same design. If you hold that in a vanguard account you'll be fine but you will become trapped at vanguard. dividend payments), so unless you're into generating a large passive periodic income stream, I'd just stick with VTSAX. It should show Funds available to trade VTSAX only executes trades once a day after market close. This helps me not emotionally buy/sell and just auto-invest. I think Schwab has 3rd party mutual funds from T Rowe Price that might have $0 commissions (I could be wrong though), so other non-Schwab mutual funds (not ETFs) like Vanguard and Fidelity will have a fee for each purchase. Hi Reddit Bogleheads! I’m a newbie to investing and Reddit so please forgive my naivety. But of the two, VTSAX is better. In terms Edit: Typical Reddit. 95, now $79. It's just added complication for no additional benefit. Once you type in "VTSAX" into the Fund Screener, you will be brought to an overview of the fund. Maybe I should speak to another rep? Get the Reddit app Scan this QR code to download the app now. But why? Get a slightly lower expense ratio Can buy any dollar amount (Vanguard recently introduced fractional shares, so this Jack founded Vanguard and pioneered indexed mutual funds. I was going to start investing in Vanguard Total Stick Market Index Fund (VTSAX), but I can’t find that in M1. I essentially replaced the 3 fund portfolio with a 2 fund portfolio. Id like to hear your thoughts on FIRE with Vanguard All World ETF Accumulating Fund. Vanguard is the only company that happens to have a model where legally the owners of the VTSAX because it captures the entire market not just the largest companies. large-cap stock component but you need much better choices for the rest. The only remaining valid reason is simple automation for long-term investing. I think Vanguard TDFs are great. If there is a major market crash in a year, you can shrug and wait out the decade that it would take for the market to recover. Any Advice? Vtsax has a minimum $3K but then you just invest any dollar amount more into the fund I would love to hear your thoughts on VIGAX (Vanguard Growth Index Admiral Fund) vs. I have never sold before, and I am fuzzy on some details. What can be done is to convert VTSAX to VTI at Vanguard, and then transfer it to your preferred broker. These days everyone offers low fees. There's no reason to use the three funds to mimic the single total market fund. Many people prefer ETFs over mutual funds because they are slightly more tax efficient because they don’t distribute capital gains. I want to start off by stating that fees within workplace plans and self-directed brokerage accounts do differ. 04% Large Blend VTSMX Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) Since all my tax advantaged accounts are maxed out, I plan on opening a taxable brokerage account with Vanguard. I also put my cash on the Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) - Find objective, share price, performance, expense ratio, holding, and risk details. Second, Vanguard mutual funds with an ETF asset class are just as tax efficient as the ETF. I chose vtsax over vti because for me personally being able to just dump round numbers in and buy fully was more appealing than etf. Functional cookies. Downvoted for being slightly misinformed. Active managers want your money - our advice: keep it! VTSAX, or the Vanguard Total Stock Market Index Fund, tracks the performance of the entire U. Some suggest adding international stocks or VTSAX is great (VTI is the etf equivalent). If you wanted separate US and ex-US funds, consider adding VTIAX (I'd use 40% of stock as a starting point). Are the tax implications any different? Edit: Bit more information, this money is currently being used as an emergency fund (way more months than I actually need) and saving up as much as possible for a down After some years you will likely have a large position in VTSAX. Much simpler My hsa has some vanguard funds that sound similar, like VITSX. For that reason I just recently switched to vtsax from swtsx. Oh and- Vanguard automatically upgrades you to VTSAX when you reach the minimum contribution amounts. I have a taxable account and a Roth IRA with Vanguard, and I'm invested in VTSAX in both. E-Trade is one of the few non-Vanguard brokerages that offers a good number of Vanguard mutual funds without any commissions (and some Schwab mutual funds too). 100% VTSAX from Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. 16 in dividends and my VTIAX shares would have paid out $32. Through my workplace I have a Wealthfront fee waiver for the first $75K. you didn't ask but the main problem with VTSAX is it's extremely top heavy. Vanguard is the most antiquated when it comes to their site and customer service over the phone. I'm not sure how long, but I'm guessing the next statement. Hello, as the title says I would like to figure out how to recreate VTSAX (Vanguard Total Stock Market Index Fund) using: VFIAX (Vanguard 500 Index Fund) VEXAX (Vanguard Extended Market Index Fund) I am aware that the Boglehead wiki already contains weights for how to accomplish this: Jack founded Vanguard and pioneered indexed mutual funds. I'm investing for the long haul. Reddit's home for tax geeks and taxpayers! News For those without Vanguard accounts, I'd imagine VTI is better. Edit: added region allocation to the %'s Newbie question. I just investment 3k in VTSAX in a brokerage account as a non critical Fund for hobby expenses. Active managers want your money - our advice: keep it! My understanding with Vanguard funds is the tax implications are about the same due to the patent for mutual funds that results in no capital gains. Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) You can keep VFIAX as your U. Also, fidelity and Schwab have physical branches if you’d ever want to go in to speak with anyone, whereas vanguard does not. VTI is the ETF equivalent as already noted. And for portability disadvantage, at Vanguard you can change VTSAX to VTI for free anytime. our community is the best way to get help on Reddit with your questions about investing with Fidelity I'm going Vanguard to Schwab right now. For a $20k investment would the foriegn tax credit gained from doing a manual 55/45 split (VTSAX/VTIAX) be worth anything substantial? Would the credit be Jack founded Vanguard and pioneered indexed mutual funds. Will they be cashed out first thing in the morning at the market rate from the day before? As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Almost all of our our retirement accounts are currently in Vanguard, and the stock is all through Schwab. So, pick an all-US I consider VTSAX my core holding, but added VFIAX to provide a partner for tax loss harvesting. today, it's dominated by 5 gigantic tech stocks which are mmostly overvalued, about 30% of your money goes into those companies with each deposit. 0439/share in dividends. Yes, you should be able to. Between those two, I would do VTSAX due to a higher risk tolerance, and interest in changing my asset allocation on my own (eg proportion of stocks vs bonds), and the fact that it has higher returns when you look at 1-, 5-, and 10-year averages (which does not, however, guarantee that it will continue to do so). I’m 40 years old. ) I want to withdraw $20K of VTSAX and VTIAX from my Vanguard taxable brokerage account to pay off student loans. 04%, it has less unrealized capital gains exposure, and it’s structured better, tax-wise. I trying to figure out which I should invest in . . Rinse and repeat. I invested my Roth IRA in Vanguard target date fund. g. Other users reply with their opinions and On top of what u/Melkor7410 said, an advantage of VTI over VTSAX is that most non-Vanguard brokerages will charge fees for using Vanguard mutual funds (if they'll let you hold them at all), while they generally won't charge a fee for Vanguard ETFs. 15% Target-Date 2045 VTSAX Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 0. Vanguard themselves seems to recommend US total market over only the S&P 500 (if you don't go with VTWAX instead, Reddit . If you open an IRA or another brokerage account through them you need another $3k to I'm looking to do a full TOA from Vanguard to Fidelity, but my account at Vanguard is entirely in VTSAX. (This does not apply when comparing Vanguard's ETFs vs Vanguard's mutual funds) Mutual fund trades may settle a day earlier than ETFs. 4152/share in dividends and VTIAX paid out $1. Get app Get the Reddit app Log In Log in to Reddit. I'm wondering if it's worth using Wealthfront or if it'd be a waste of time. VFIAX isn't a terrible choice. VTWAX is a good choice but the expense ratio is over twice of VTSAX. 03% fee beats Vanguard’s 0. Vanguard can convert your shares of VTSAX to VTI while maintaining the tax lots (purchase date and equivalent cost basis). With VTSAX, you purchase whatever dollar amt you want without regard to share price. FSKAX tracks the Dow Jones US Total Market Index which is slightly different from the one VTI/VTSAX tracks. That's extra fee charged by e-trade (not by Vanguard). Manual purchases, scheduled purchases, and dividend reinvestments all have these. Currently in the Target Retirement 2050 Trust I. It’s available on more NTF platforms, it’s 0. For Americans, since it's extremely diverse and has no currency risk, even though it has shown to be sub-optimal compared to including some ex-US equities, it's excellent. Vanguard - VTSAX or VTI both great Schwab - VTI. For example, if you open an IRA with Vanguard then VTSAX would be an excellent choice for one fund to invest in. You want something that won’t sell on you automatically or by their choice vs when you want to sell, and VTSAX does this. Are there any upsides? I assume there are only downsides. (Note: This conversion is one-way; you can't convert VTI to VTSAX. e. After some research, instead of trying to come up with my own custom international allocation, I was convinced to invest in global market cap weighted Vanguard equity and bond funds. With MFs i don't think you have to transfer the money into the settlement funds first. A portfolio of simply VTSAX (broad market stock index) for the equities portion, plus one of their bond funds (which you can pick based on desired risk/reward) allows you to easily set your own personal risk/reward balance, while minimizing your taxes so you're not being paid more than your needed withdrawal rate. 74 shares of VTIAX. 03% vs 0. Or, you can call Vanguard and ask them to convert VTSAX shares to VTI shares, which can be transferred pretty much anywhere. His work has since inspired others to get the most out of their long-term investments. This is exactly the same as VTSMX except lower management fee. There’s practically no difference between holding VTI and VTSAX if you’re looking at cost efficiency, you’d just be analyzing pennies. If you say there is strong correlation between VTSAX and VTIAX, then I say there is strong correlation between VTSAX and US tech stocks. Internet Culture (Viral) Amazing My companies 401k is through Vanguard but I do not have a VTSAX option. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with VTI and VTSAX are identical. The equivalent of VTSAX is VTSAX but Fidelity will charge you a $75 transaction fee for it. I have also heard good things about VOO (Vanguard S&P 500 ETF). Whenever my VTSAX balance reaches 12k, I convert half to VTI. That’s what I thought too based on the Reddit posts I’ve seen, but the Vanguard rep I talked to said the process is basically the same as selling VTSAX and then purchasing VTI. 71 shares of VTSAX and 30. VTWAX is a global index, combining US and ex-US into one at market cap weights. Click Continue below. Did we make a mistake or are we over thinking. Fractional shares is at various places, but not Vanguard yet. You may also want to get some international exposure as well and depending on your risk tolerance, some bond exposure. I’m thinking to change my portfolio to 2or 3 funds portfolio. 01% cheaper expense ratio than VTSAX. 000$ to start investing. Generally, though, we don't recommend investing money that you'll need to spend in the next 5 years. I understand the equivalent at Fidelity is FXKAX so I plan on switching after doing more research on alternative funds, but for the process of moving the assets to Now that Vanguard offers fractional shares for their ETFs, manual orders only, very little reasons to even give MF a look. VBIAX VTMGX VEMAX VFTAX VIGAX VSIGX VIMAX VGSLX VSMAX VFFVX VTABX VTSAX VVIAX VWIAX I was thinking of going with VTSAX as my majority investment and possibly VTMGX but wasn't sure if there is a better option available. Has anyone else chosen that fund? If not, why? (My retirement is in a target date fund, and I am encouraged to read so much praise for target date funds in this group. I consistently see/hear people speaking highly of VTSAX But I hardly hear anyone talk about VIGAX if you compare the two side by side. In 2021 VTSAX paid out $1. For all intents and purposes swtsx is the same as vtsax. Or check it out in the app stores &nbsp; Vanguard VTWAX vs VTSAX and VTIAX, Mutual Fund vs ETF 20 y/o Passive Investing . Active managers want your money - our advice: keep it! Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. At the end of the day, it really doesn't matter. I'm pretty sure there is a fee for holding VTSAX at Schwab, so that is the only combination you would want to avoid. Any recommendations? Wondering if it should be split it in half and for example have 50k in vanguard VTSAX, 100k in VTSAX or keep it as 100k in the HYSA. stock market, including small, mid, and large-cap stocks. If I invested $1000 in each fund on 1/4/21, I would end up with 10. I invested $3k in VIGAX last year as my first foray into brokerage accounts. Is this a comparable fund? VTSAX, or the Vanguard Total Stock Market Index Fund, tracks the performance of the entire U. Vanguard Total Stock Market & Total international & Total Bonds or Vanguard Total world stocks VTWAX and VTBLX. FZROZ is not sold by other brokers. For a buy and hold investor, minimal diff. Type in VTSAX, then enter $3,000 for your dollar amount. im probably gonna get downvoted into the abyss, but 100% VTSAX is fine imo. Depending on what brokerage you choose to open your IRA with would (help) determine what fund you invest in. So having the ETF version (VTI) means that it will be cheaper to move your funds without triggering taxes if you ever want to You can now purchase more VTSAX in that specific account at almost any dollar amount. Not sure I see any equivalent to VTIAX. At the end of the year, my VTSAX shares would have paid out $15. Vanguard figured out a way to gain the tax advantages of the ETF structure in a mutual fund so the vanguard mutual funds which are structured this way will be taxed more like an There are two main advantages to VTSAX over VTI: Fractional share investing with Mutual Funds. I want to keep going but I want to know the answer to this question before I do. ETFs are universally portable. Vanguard Target Retirement 2045 Fund Investor Shares (VTIVX) 0. 95), I was wondering if it makes sense to make the shift to SWTSX in my Roth. Or check it out in the app stores &nbsp; &nbsp; TOPICS but i would like to do a roth IRA as well. Perhaps you’re comparing the Scholarshare total us equity fund to Vangard’s total world equity fund (VYWAX), which has an expense ratio of 0. I just wanted to make sure you weren't paying fees to buy those funds. But if you know you want the whole US market, it really makes sense just to buy VTSAX (or the Fidelity equivalent: FSKAX). My use case is just auto-investing and holding. I'd pick one pretty far out since Roth IRA would be one of the last things I touched. With Schwab’s fee increase to buy Vanguard funds (was $49. There is no minimum for subsequent investments once you have met the initial minimum. Many people have their Vanguard account for decades and into and past retirement. VIGAX outperforms VTSAX. I know past performance dosent predict future returns, but there is valuable information to be learned and should not be ignored entirely. Does is matter which one I pick? Vanguard is considered decent broker and investment adviser with access to many types of investment choices. I use all 3 brokerages. 065%. Instead VTSAX you can buy ETF VTI on m1. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; VTSAX Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 0. VTSAX mutual fund (ticker ends in X) can be bought via Schwab or Fidelity, but with extra $50 or $75 fees, so that is a very unattractive proposition. I’m thinking to buy VTSAX + VTIAX + VTBLX . With VTSAX, you can also setup automatic contributions so it can be 100% hands-off. the problem is that small and mid cap tend to outperform large Jack founded Vanguard and pioneered indexed mutual funds. VTSAX is the total US market. Mid 30s in good health. Overall, vanguard is great - just stay A user asks for advice on whether to switch from VTSAX to VTI, two mutual funds with identical holdings and tax efficiency. Try this: Click Buy and sell-> Buy Vanguard funds in the section for your Roth IRA. Investing If I request to sell my mutual funds after market closing. Are there any tax or other consequences to converting VTSAX to VTI through vanguard and by this I don't mean selling and rebuying Vanguard allows you to convert your shares of the same fund to its corresponding mutual fund or ETF class (you can swap VTSAX shares for VTI shares or vice versa) without it being a tax event. It's an IRA so if your current IRA company doesn't offer those you can easily roll it to vanguard or really any brokerage to get VTI. I believe you need to call Vanguard in order to do the conversion. Each time you buy VTSAX shares, you buy a group of shares with the same: per-share price number of shares bought purchase date This three is called a "tax lot". I'd like a total market fund such as VTI or VTSMX. I just deposited $5,000 into a vanguard brokerage and am waiting for the transaction to go through, but my plan is to invest it completely in VTSAX. Here is what I understand: In contrast, my 401k is currently about 70/30 VTSAX/VTIAX. 10. VTSAX is the total US market, which makes up half the worlds equities. VTSAX is definitely a good choice for a simple single ticker to dump money into (I even think it’s outperformed the SPY since VTSAX’s inception but don’t quote me on that). Strictly necessary cookies. But for those with Vanguard accounts, isn't it the exact same as VTI in terms of tax efficiency/performance/etc. Under Where's the money going?, click Add another Vanguard mutual fund. are vnivr qvbd uugfa mwaaa uhsvswi avdmmi axsr nnfin ufy