Vanguard mutual funds reddit. My use case is just auto-investing and holding.

Vanguard mutual funds reddit Active Additionally, at least technically speaking if not literally, every mutual fund is owned by its own shareholders (regardless if Vanguard, Fidelity, Schwab, etc). This is a specific question related to the Vanguard roth ira contribution process. bond market fund. I have checked with Vanguard in Ireland and they don't accept customers from my country. I guess I was speaking in the context of many/most Reddit investing subs, it is conservative relative to all the super volatile sector funds that people like to recommend. 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 Hello all, I am a Vanguard user like many here and am experiencing confusion about the money market mutual funds vs the settlement fund. Fidelity has funds with the same style as vanguard's does, like VTI and VXUS. Funds like VTSAX and VTI are going to perform “equally”. Usual tax is about 1% per year (compare with 0,07 for Irish ETFs). get reddit premium. You can buy in dollars not whole shares. , 401K/403B/457B, IRA, HSA, 529, etc. Vanguard index mutual funds are very tax efficient, the expense ratios are 1-2 basis point higher but you’re also don’t get the hidden cost of a spread on an exchange. There are other differences / tax efficiencies you can read about. Between VMRXX, VUSXX, and VMFXX, the yield seems to be all about the same. 08% vs 0. I could look this information up myself, but I wouldn’t even know where to begin on finding a website that sorts through every single mutual fund, and ETF, and lets you filter out anything that has more than 10 basis points of expense ratio, and knowing how to figure out the amount of taxable distributions that the fund gave for the previous year. 95%)? There is usually some slight variation between the similar mutual funds and ETFs, but this nearly 3x difference in returns is an outlier. No low effort posts. For me, a global all-cap fund is the most diversified way to ensure international exposure without the risk of being continentally wrong about where growth may arise. It appears to me like on the Vanguard site mutual funds still have their 2023-11-13 close prices, and don't reflect today's market (which was very good). Many mutual funds have both of these. It has better performance and is across 1000 companies instead of just 500. 1,057 users here now. I've been looking into historical performance of robo advisors and some active mutual funds. The settlement fund itself, however, seems to also be a money market fund with the same 5. VHYAX is the mutual fund equivalent of VYM. Some people can only afford to add Vanguard Group plans to close its legacy mutual fund platform for retail investors by year-end 2025, a move that one Vanguard watcher considers both unsurprising and, for The Fidelity rep confirmed that I could perform an in kind transfer of all my Vanguard mutual funds (mostly VTSAX and VLCAX), and I could perform dividend I’ve recently noticed (on this subreddit, originally; also on Vanguard’s own website with a bit of directed searching) each of my Vanguard Mutual Funds has a Instead of VOO, I might consider VONG. And I don't invest in Mutual Funds because for my country there are no low cost Mutual Funds. I've added to those funds slowly over the course of the past 8 years to make a total investment of $50,000. The official Python community for Reddit! Stay up to date with the latest news, packages I'm looking over my Vanguard Mutual Fund portfolio and I'm confused. An age old financial instrument for lenders to create fixed income, and for borrowers to 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. Mutual funds usually have the benefit of being able to setup automatic repurchasing (though certain brokers allow automatic repurchasing of ETFs). Mutual funds may discourage timing the market due to how they trade. 08%. I’ve been investing on autopilot into Vanguard’s mutual funds for several years now. I have a few different funds with Vanguard. With mutual funds, you aren't the one dealing with bid-ask spreads. There's thousands of mutual funds and ETFs out there. Once you meet the fund minimum you can set up auto-investment so Vanguard will pull the amount you want on the schedule you want from your checking account or you can set up a direct deposit or allotment from your pay check direct to a Vanguard mutual fund. If you can convert your Vanguard mutual funds to ETFs without triggering capital gains as others have suggested, that's probably your best option. But an ETF tracking the same index will be more tax efficient then a mutual fund tracking the same index. Vanguard has index mutual funds that are equivalent to some ETFs in terms of For Vanguard, I was thinking starting with $500, pick some etf’s and add money to the account every month or so until I have enough to buy an index fund. So check and if they accept this will be perfect as Vanguard usually don't have fees. Active managers want your money - our advice: keep it! As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Get the Reddit app Scan this QR code to download the app now. Get an ad-free experience with special benefits, and directly support Reddit. Mutual Fund Fees . I will note that the good thing about vanguard mutual funds is that you can convert them to the underlying ETF and its considered "in kind" for the IRS, so no capital gains to do so. Vanguard mutual funds do not participate in our No Transaction Fee (NTF) program. Title is my question. Likely though, your friend is getting paid a little from the fees attached to the fund. My question is that I plan to add $500 to these funds every month or so. stock market fund and Vanguard's total U. When my kids were born, their grandfather gave them each $5K which I invested in Vanguard mutual funds. Active managers want your money - our advice: keep it! The biggest community on Reddit related to bonds. While competitors such as Charles Schwab Corp. Vanguard mutual fund vs ETF in Roth IRA Investing I came across an old thread on the sub related to this question but I am wondering what the difference between the two is. As opposed to SCHD, why not something like VHYAX. Expense ratio is 0. I am happy to provide general information on the fee structure for Vanguard mutual funds and ETFs. So you can definitely save costs and have a similar mutual fund or etf by going to fidelity Schwab or vanguard. Why VBIAX Mutual Fund Is A Top Choice (This does not apply at Vanguard where mutual funds start at $1,000 for target date funds or $3,000 for broad coverage index mutual funds) With mutual funds, you aren't the one dealing with bid-ask spreads. Automatic investment over time. 46. Active Fidelity zero index funds (FZROX, FZILX) have a 0% ER Vanguard index funds have a 0. 05%, it'll be like . It does have 60% stocks. Am I reading this right? Jack founded Vanguard and pioneered indexed mutual funds. There are S&P 500 mutual funds and ETFs provided by Vanguard, Fidelity, etc View community ranking In the Top 5% of largest communities on Reddit. His work has since inspired others to get the most out of their long-term stock and bond investments by indexing. ETFs usually have the benefit of slightly lower taxes (though for Vanguard their mutual funds share the same taxes; Vanguard’s patent did expire so maybe other brokers will implement this). 75% (with a minimum of $100 of the total purchase, and a maximum of $250 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. You’d have to tell me which mutual fund you’re invested in for me to compare fees. Fidelity, I believe, does not always have minimums. I put equally in quotes because if I run Portfolio Visualizer on VTI and VTSAX, VTI outperforms but we are talking about $220 difference over 10yrs on If you have a Vanguard account, there is no commission on mutual funds and the expense ratios are extremely low. Vanguard has mutual fund and ETF versions of the same funds. 83 Mutual Funds: FCNTX @ 1224. Mutual fund trades settle a day earlier than ETFs. Schwab is much worse yielding only 2. The patent that lets them do that expires this year, so hopefully things change soon for other mutual funds. 2 shares totaling $7971. For example, VOO in the ETF account mirrors VFTAX in the mutual fund This race to the bottom has been great for investors across the board, and if we're being completely pragmatic the difference between the platforms is negligible (for example Schwab's Total market ETF charges 3 bps to Vanguard's 4bps; the Fidelity Total Market mutual fund charges 1. Stop by and see what's going on in the fleet, or ask us a question you might have about the Coast Guard. VTSAX). Or check it out in the app stores     TOPICS. I want to invest in some specific ETF's with my roth IRA, but going though "contribute to IRA" process, it only let's me choose certain mutual funds, but not ETFs. ETF = exchange traded fund ETFs and Mutual Funds can both track an index. However, you must buy an integer number of shares of an ETF, while a mutual fund lets you put in 19 votes, 72 comments. SWTSX (ala Vanguard's VTI) tracks the total US stock market. Our goal is to help Redditors get answers to questions about Fidelity 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. But I think that the majority of people should use ETFs instead of the mutual funds because of all the future pitfall listed in the links below. 06% yield. Should I keep my Roth with Fidelity and just invest separately with a Vanguard funds only what is your perfect portfolio combination for diversification? Personal opinion, I’d take four. This way you can keep buying fractional shares of the mutual funds. I ask as Vanguard seems to now want to force people to their brokerage account and I don't want to deal with the reporting requirements from my company and don't want to create a taxable event by American funds and vanguard are both fine companies, American funds has a lot of different funds that use differing strategies while vanguard has a lot of index but then also active funds. Based on the Robo Report and data provided by Wealthfront and Schwab, the highest yield robo advisor is Wealthfront with 4. true. 4 trillion in 86 exchange-traded funds, Vanguard is leaving fund expense ratios alone. Or does the 30-day rule apply to any portion of Vanguard's mutual funds being sold? 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. 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. 04 If you like the functionality of Fidelity then stick with it Dca into mutual fund is much easier especially at vanguard where you can’t buy fractional shares of etfs like you can at laces like fidelity and M1. The difference with Fidelity funds is that their sponsor (FMR LLC) is family/employee owned. 5bps to Vanguard's 4bps). Active 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. As of right now, Vanguard is saying my current balance is $71,589. Is it possible to open a new Fidelity Mutual Fund only account and transfer Vanguard mutual funds from an existing Vanguard mutual fund only account. Active Mutual Funds vs ETFs basically comes down to how you like to trade: . 5% That's exactly what's best about buying mutual funds at Vanguard. Changes to positions in a taxable account typically do have a taxable impact (unless it's a conversion from Mutual Fund to ETF share class at Vanguard, which they have a unique method to avoid). I took my lazy approach one step further and started a Target Retirement Fund. ) have no taxable impact. Active managers want your money - our advice: keep it! As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with 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. The benefit to mutual funds at Vanguard are: you can automate monthly contributions you can purchase in exact dollar amounts so every penny is invested The default account type is now Brokerage and while it may no longer be possible to open an account on the Mutual Fund Platform online; some users have reported success in getting accounts recently opened by mentioning regulatory compliance as the reason they need a Mutual Fund Account (others have reported they were unable to do so) - call Certain Vanguard mutual funds have the same tax efficiency. Is this a good idea? and is there Mutual funds let you put in exact amounts of money (so they are slightly more convenient), and at Vanguard you can convert them from mutual funds to the corresponding ETF whenever you FWIW, in a Vanguard Roth IRA, it will do this to both Vanguard mutual funds and Vanguard ETFs. SWISX is Schwab's International index fund that could be helpful in a diversified portfolio 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. Active For vanguard funds and ETFs there is essentially no difference. Mutual Funds vs ETFs basically comes down to how you like to trade: . I like the idea of mutual funds as it’s much simpler to buy partial shares and I’m not really interested in day to day trades so the end of business day trade idea doesn’t bother me. It depends 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. Make sure your portfolio is balanced in terms of exposures as your financial advisor should be doing, and you’ll be fine. 25% management fee (net return 4. and Fidelity Investments apply similar fees for using a phone rep to complete transactions Jack founded Vanguard and pioneered indexed mutual funds. His work has since inspired others to get the most out of their long-term investments. 04 is fairly negligible, and there are some Fidelity index funds with ERs higher than 0. You can now choose 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. Internet Culture (Viral) Amazing Jack founded Vanguard and pioneered indexed mutual funds. Through my workplace I have a Wealthfront fee waiver for the first $75K. 19%). Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. When they were teenagers, there were HUGE capital gains disbursements which pushed them into the kiddie tax zone. Vanguard mutual funds may not have a holding time limit, since they are passive, but they do have a minimum. Some mutual funds have lower expense ratios than comparable ETFs. 75% (with a minimum of $100 of the total purchase, and a maximum of $250), though this may vary depending on the fund. I recently purchased around $40,000 of some vanguard mutual funds on TD and had a $75 transaction fee. The second-largest ETF issuer with more than $2. It does not require a ton of 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. The reason for this at Vanguard is that they keep pushing costs down and having a small account is more costly to other fund owners. 1. 62 SCHD is, by most accounts, the preeminent Dividend index fund. 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 Jack founded Vanguard and pioneered indexed mutual funds. Index mutual funds will be fairly tax efficient because they shouldn’t trade much so shouldn’t have large capital gain distributions. It does have a slightly higher expense ratio (0. ETFs are traded during market hours, mutual funds buys and sells happen at market close. 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. Mutual Fund: trades once-per-day, can be automated, purchase dollar amounts ETF: trade when market is open, portable to different brokerage, purchase share amounts (some brokerages offer fractional shares) The expense ratio differences are in the noise, and ETFs have the bid-ask spread which makes the 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. Vanguard Admiral shares index mutual funds (the most popular) get the same treatment as ETFs because they match their holdings and performance. However, the thing you have to look out for is that Fidelity likes to make it easier to find their high expense ratio funds. Similarly, the sponsor of Changes to positions in tax-advantaged accounts (e. Rules. 03% of VOO), but However I've recently read that Vanguard is best for index funds and ETFs due to lower operating costs. His work has since inspired others to get the most out of their long-term investments Get the Reddit app Scan this QR code to download the app now. His work has Leave some shares in the mutual funds. Over the longer term, fund-based investing for ‘serious’ money, I would go with Vanguard. g. If you want to do auto contributions mutual fund is where you need to go. Some people may find mutual funds easier to deal with and less stressful. Active managers want your money - our advice: keep it! As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with . SWPPX (ala Vanguard's VOO) is probably the closest thing you are going to get to an index fund at Schwab that tracks the S&P 500. Jack founded Vanguard and pioneered indexed mutual funds. 31% at 5 Non-Vanguard index mutual funds and Target date funds you will have to pay taxes if you sell, don't sell, and for dividends. Mutual funds are legally different than ETFs. 3. This process is unique to Vanguard, protected by a patent until 2023, with two important consequences for the mutual fund investor: Tax efficiency: the mutual fund shares benefit from the disposition of capital gains through ETF shares, making Vanguard funds with ETF share classes as efficient as an ETF. Active managers want your money - our advice: keep it! As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with What are some reasons for the disparity in returns for the Energy mutual fund VGENX (16. Reddit lives to debate and be proven correct but the bottom line is there is no absolute answer which is better. The ETFs in one account mirror the Vanguard mutual funds in the other account. Active managers want your money - our advice: keep it! 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 want to convert some Vanguard mutual funds that I own into ETFs through Schwab, but am unsure exactly how to go about doing that! Here’s what I’m looking at, purely in terms of ETF and mutual fund holdings in my taxable brokerage: ETFs: VTI @ ~35. 51 shares totaling $20,314. Vanguard is often a stickler for having investment minimums of 3k and sometimes more on specialty funds. For example, Vanguard Mutual Funds will have a $75 online transaction fee and a rep-assisted fee (when purchasing via telephone) of 0. They'll have a fund that's very similar to a vanguard fund, but instead of a super low expense ratio like vaguard's 0. Normally Vanguard has this updated by 6pm CST. Just use the mutual fund versions. Vanguard mutual funds would cost you $75 each time you buy so definitely ETFs are better option when buying Vanguard. The Vanguard Target Retirement 2050 Fund (VFIFX) is allocated as follows: Total Stock Market Index Fund Investor Shares 56. If you sell all of the shares of the mutual fund you will have to meet the fund minimum again to buy it again which is $3,000 for most of Vanguard's admiral funds. 88% YTD) and the Energy ETF VDE (46. I see that ETF's generally have a lower expense ratio for similar mutual funds. It was easy to automate the investments and keep me disciplined, plus I didn’t have to deal with pre clearing every transactions with my compliance department at work (mutual funds are excluded from pre clearance requirements and our compliance manager is pretty dumb and makes everything For taxable investments I auto-invest in VTSAX and VTIAX at Vanguard. Active managers want your money - our advice But if you look on vanguard's mutual fund list it shows a risk vs reward chart Reply reply InvestingEMT • If you want something 'riskier' then you'll probably want some of the typical higher risk funds - emerging markets, small cap growth, Explorer fund, International Explorer, and any of the sector funds: healthcare, energy, precious metals Mutual funds though the story is a bit different. 44% return over 5 years (assuming a 60/40% stock/bond mix) with a 0. Or check it out in the app stores Fidelity does not require a minimum to purchase its index funds (Vanguard requires $3,000 for its most popular ones, e. Most Vanguard mutual funds will have a $75 online transaction fee and a rep-assisted fee of . The expense ratio difference is so small it's not worth worrying about. This is an un-official USCG Reddit page. Mutual Fund: trades once-per-day, can be automated, purchase dollar amounts ETF: trade when market is open, portable to different brokerage, purchase share amounts (some brokerages offer fractional shares and scheduled purchases) ETFs can theoretically be more tax efficient, although at vanguard, The fund is comparable to holding a 60/40 split of Vanguard's total U. investing join leave 2,959,372 readers. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. However, I'm concerned that every time I want to add money to the fund 15% of 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. If one were to transfer a Vanguard account to Schwab with mutual funds, is there a fee to continue buying into said mutual fund? We have another update to share with you based on feedback you’ve given us on Reddit! We’re adding additional frequencies to automatic investments and recurring transfers into Fidelity. You could use ETFs instead, but Vanguard doesn’t allow fractional shares, so you will inevitably have a little 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. 04% ER Vanguard funds have higher fees than Fidelity, not lower, though 0. This doesn’t apply to Vanguard mutual funds that are share classes of a companion ETF such as VTI/VTSAX. His work has Some non-Fidelity Mutual Funds do not participate in our No Transaction Fee (NTF) program. S. This approach is very r/Bogleheads. My use case is just auto-investing and holding. ovwn dtxvrk hkzg cuywzl cszn bzir ekxlbl jprsxa kcwvhk tkfte qdugg wgnmb jbktx oolxor zmzfyr