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11-30-2012, 09:48 PM
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#1
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Recycles dryer sheets
Join Date: Jul 2012
Posts: 60
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Vanguard ?
I set up a roth...what fund to put the money into? I only have about 8500
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11-30-2012, 09:53 PM
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#2
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,363
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As you probably know from surfing this forum, it depends on your target AA and all that stuff. But....it is hard to go wrong with Vanguard Wellesley, Wellington or Star funds. Just pick one.
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12-01-2012, 05:46 AM
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#3
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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Tell us about your asset allocation plan and the rest of your portfolio. Then we can tell you what to put in your Roth so that it helps to fulfill your asset allocation plan and fits in with the rest of your portfolio.
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12-01-2012, 06:57 AM
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#4
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,298
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What does Vanguard suggest?
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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12-01-2012, 06:58 AM
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#5
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,719
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Just now contemplating next year's contributions to Roths.
Really depends on your age and asset allocation. Are you almost retired, or 35? Makes a big difference.
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12-01-2012, 12:34 PM
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#6
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Full time employment: Posting here.
Join Date: Aug 2012
Location: Upstate
Posts: 699
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I read someplace (many years ago) that STAR was created specifically with IRAs in mind. We had had our IRAs in it even before that, and have no complaints. 
Tyro
__________________
Yeah well, that's just, ya know, like, your opinion, man. ~ The Dude
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12-01-2012, 07:55 PM
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#7
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Recycles dryer sheets
Join Date: Jul 2012
Posts: 60
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 Quote:
Originally Posted by Tyro
I read someplace (many years ago) that STAR was created specifically with IRAs in mind. We had had our IRAs in it even before that, and have no complaints.
Tyro |
We are 59, my husband plans to retire in two years and wife plans in 3-4 years. We have a 403b set up that is somewhat low volatile so what I would like to do is to take our roth more aggressive
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12-01-2012, 08:10 PM
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#8
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Thinks s/he gets paid by the post
Join Date: Nov 2006
Location: Bossier City
Posts: 2,183
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I'm almost 55 (next month) & wife is 52. We both have Roth IRA's with Vanguard, & both are in Target Retirement 2015 funds. I believe we're up around 7.5% this year.
__________________
“Change is the law of life. And those who look only to the past or present are certain to miss the future.”
-John F. Kennedy
“Hard work never killed anybody, but why take a chance?” - Edgar Bergen
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12-01-2012, 08:22 PM
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#9
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Confused about dryer sheets
Join Date: Nov 2012
Location: Seattle
Posts: 7
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I like Vanguard's target date retirement funds also... very low fees.
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12-03-2012, 08:54 AM
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#10
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2006
Posts: 12,483
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Quote:
Originally Posted by Midpack
What does Vanguard suggest?
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They don't make suggestions for the most part, you tell them which fund you want.
__________________
Consult with your own advisor or representative. My thoughts should not be construed as investment advice. Past performance is no guarantee of future results (love that one).......:)
This Thread is USELESS without pics.........:)
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12-03-2012, 12:30 PM
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#11
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,298
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Quote:
Originally Posted by FinanceDude
They don't make suggestions for the most part, you tell them which fund you want.
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That's not entirely correct. While they're not stock pickers/traders, and it's subject to account balances (from low cost to free), they do Portfolio Reviews and will suggest specific funds, I've done it with them. And they will make an initial recommendation for an investor just starting out...
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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12-04-2012, 04:42 AM
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#12
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Recycles dryer sheets
Join Date: Sep 2012
Posts: 73
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Hard to find a problem with Wellington (VWELX) or Wellesley (VWINX) as they are balanced funds and should be a good fit with most Asset Allocation models. I own both.
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12-04-2012, 07:07 PM
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#13
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Full time employment: Posting here.
Join Date: Dec 2010
Posts: 576
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I 'll wait until the end of the year to do the final calculation, but I am surprised that, for the year, my Fidelity IRA account, that holds mostly Fidelity mutual funds, had done better than the Vanguard Funds I have in my Vanguard account.
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12-04-2012, 08:59 PM
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#14
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,124
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Quote:
Originally Posted by wrichards58
We are 59, my husband plans to retire in two years and wife plans in 3-4 years. We have a 403b set up that is somewhat low volatile so what I would like to do is to take our roth more aggressive
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Quote:
Originally Posted by wrichards58
I set up a roth...what fund to put the money into? I only have about 8500
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We retired in 2010 and have our IRA's in target 2010 funds. But that's just us.
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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12-05-2012, 08:06 AM
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#15
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2006
Posts: 12,483
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Quote:
Originally Posted by Midpack
That's not entirely correct. While they're not stock pickers/traders, and it's subject to account balances (from low cost to free), they do Portfolio Reviews and will suggest specific funds, I've done it with them. And they will make an initial recommendation for an investor just starting out...
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Everybody does that in the MF industry, not just VG. What I meant to say is there is no a person/financial consultant making recommendations over the phone. Most people that work in customer service at VG are not licensed. They are truly DIY, that is their business model. If you have a large amount of assets, you get access to a salaried CFP.
__________________
Consult with your own advisor or representative. My thoughts should not be construed as investment advice. Past performance is no guarantee of future results (love that one).......:)
This Thread is USELESS without pics.........:)
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