OT: Anyone own any Vanguard MF's??
- Thread starter noxdog
- Start date
Yes, I’m in several Vanguard funds in different account types. Most are stock funds of various type and cap. My highest performing fund YTD is VFIFX which is a all in one target retirement 2050 fund. A consistently well performing fund I’m in is VWNDX Windsor Investor shares which is a large cap value fund.
All in all, across my different accounts (we have 3 different account with Vanguard and another held elsewhere that has Vanguard holdings), I’ve been pleased with the performance of most of the funds we’ve been in, minus a couple, and one of them was sector specific.
I’m a novice investor but have been handling three different account types through Vanguard for 4 or 5 years, and over that time span, my returns have well exceeded what my managed 401(k) has in that same time span..... by a decent margin.
All in all, across my different accounts (we have 3 different account with Vanguard and another held elsewhere that has Vanguard holdings), I’ve been pleased with the performance of most of the funds we’ve been in, minus a couple, and one of them was sector specific.
I’m a novice investor but have been handling three different account types through Vanguard for 4 or 5 years, and over that time span, my returns have well exceeded what my managed 401(k) has in that same time span..... by a decent margin.
However, I just realized I didn’t really answer your question.
Obvious, a recommended fund would really rely on the nature or goal of your investment. You really can’t go wrong with a target retirement fund. They really are a invest and forget it type of fund. And to be honest you would be plenty diversified with just one fund.
Some of the large cap stock funds through Vanguard are great, and are long standing and proven, such as the Windsor fund. Also, their ETFs are another great option.
Obvious, a recommended fund would really rely on the nature or goal of your investment. You really can’t go wrong with a target retirement fund. They really are a invest and forget it type of fund. And to be honest you would be plenty diversified with just one fund.
Some of the large cap stock funds through Vanguard are great, and are long standing and proven, such as the Windsor fund. Also, their ETFs are another great option.
That's a question that can get about 50 correct answers. J-Dawg hit a lot of options.
Throwing the variables out of the window, if I had to put my money in one fund for a long term investment, I would go for the admiral shares 500 index fund. It is just like owning the S&P, but it's at a super low expense ratio, less than .05%. Unless the United States as we know it goes down the drain, it's a pretty safe bet that the market as a whole will grow at a rate of 8-10% over time. It's like walking into the casino and getting to place your bet on the house.
If you're a novice investor, playing with sector funds or various caps, is like playing craps. I personally put my serious money in low expense large cap equity funds... Growth, value, and income.
I have a Schwab account with my fun money to trade stocks... Mutual funds are to be rebalanced, not traded.
Throwing the variables out of the window, if I had to put my money in one fund for a long term investment, I would go for the admiral shares 500 index fund. It is just like owning the S&P, but it's at a super low expense ratio, less than .05%. Unless the United States as we know it goes down the drain, it's a pretty safe bet that the market as a whole will grow at a rate of 8-10% over time. It's like walking into the casino and getting to place your bet on the house.
If you're a novice investor, playing with sector funds or various caps, is like playing craps. I personally put my serious money in low expense large cap equity funds... Growth, value, and income.
I have a Schwab account with my fun money to trade stocks... Mutual funds are to be rebalanced, not traded.
If you want to do as well or better than 90% of individuals while spending very little time learning, through everything in VTSAX and sometime between now and 5-10 years out from retirement, learn about equity glide paths.
I agree with this but would also prefer some exposure to the international market. So, VTSAX plus VTIAX.
Do you live in the Jackson, MS area? I work in Financial Services, and if you like, we could meet one day where I could teach you about some really good Mutual Funds.
Are you going to teach him how to give you a piece of the action? 2 posts. 2 solicitations of "financial services."
Haha, only if someone decides to do business will I be compensated as I don't charge a monetary fee for advice. I just have the heart to help people out, answer questions, basically teach financial literacy since it isn't taught to most. I've seen too many instances where people were taken advantage of, or ripped off. So I like to give people good information and let them then make an "informed decision". If they decide not to do anything that is ok too, at the very least they then have a better understanding of exactly how things work. If you have questions I would be happy to meet with you as well.
Are you a series 7 or 6? CFP, CFA, ChFC?
Bank or Broker? Commission based, Fee based, or Fee only?
No thanks. While I do believe you think you can help people, it's not good form to offer "free advice" in this kind of forum in my opinion. Most of the time, a sit leads to a new client if you are a halfway decent salesman. If all your packing is a series 6... You are bringing an empty bag to the table. Stick to insurance.
I too have seen too many people taken advantage of.. They sit down for free advice only to have someone talk them into to some front loaded fund, annuity, or UIT. The extra fees paid to the salesman... I mean advisor.. end up costing the consumer tens if not hundreds of thousands of dollars in lost interest down the road.
If you are truly interested in teaching financial literacy, let your licenses expire. Then and only then, write a blog, teach a class, or offer fellow dawgs some free advice. Anything else is at some level an attempt to line your own pockets.
And wrapping this up to the original question, the question was about a good Vanguard fund. Several good ones were mentioned. Nearly everyone else pointed out the low expense ratio of the recommendation. I bet you can't do that.
FWIW, I formerly held Series 3 and 7 credentials as I worked as a commodities trader for a major corporation. I don't want to be mean or discount your livelihood, but I think most people are capable of reading a book or two and learning more about how to manage their money, than any one working on commission can help.
Let me just say to everyone on here, be very, very leery of annuities or anyone who recommends them.
cynical post, but a lot of truth in it. I will say that Vanguard did a study that said a good food financial advisor can add 3% of net returns for clients. That's huge over the long haul. I also think it's good to have a buffer between you and your money b/c individual investors can be irrational.
You nailed it. I am not against advisors, but I think you will find the better advisors are fee based now, not commission. It just can't be helped that a conflict of interest is created by the commission. Pay your advisor like your CPA.
Completely understand the skepticism out there.
I was just casually scrolling through to see what the latest news was regarding our favorite team (Hail State!) and noticed someone inquiring about Mutual Funds, and honestly just want to help people not get taken advantage of (I have helped several families, and will continue to do so) by teaching them financial literacy. Some become clients, some don't, either way they learn value.
Based on your response above I'm not convinced that you know exactly what a Series 6 License can do/offer (you would lose that "bet" in your response above, just FYI). Everyone is entitled to their own opinion, but it is very presumptuous (and inaccurate) to say what someone can & can't offer without knowing for sure. I also don't want to be mean or discount your prior experience, but based on what you have said I can't say that I trust your credibility. Not trying to be argumentative, just wanting to offer help/advice to someone who was asking (original question of this thread).
I know exactly what a series 6 holder can offer. Finra has very clear rules. It's effectively half of the of the investment vehicles that can be offered by a series 7 holder. I have no idea what you actually do offer. Stocks, bonds, and options better not be on the menu though. No sense in even talking about commodities.
Anywho, I don't want to measure tallywackers. You would win. I left that world a few years ago... I manage my meager portfolio and nothing else. I never had the stomach for the retail investment world. To a lot of those snakes, everyone is a potential commission... I am now a small business owner. Everyone is a potential lawsuit, bad review, or bad debt... Damn. Now that I think about..
Anywho, I don't want to measure tallywackers. You would win. I left that world a few years ago... I manage my meager portfolio and nothing else. I never had the stomach for the retail investment world. To a lot of those snakes, everyone is a potential commission... I am now a small business owner. Everyone is a potential lawsuit, bad review, or bad debt... Damn. Now that I think about..
Whole life is worthless if you don't die.
Well, not worthless but not a good investment.
Wonder why they call it insurance?
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