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Old 04-19-2016, 06:12 PM   #21
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SPY has an Net Expense Ratio of only 0.09%. That is pretty low.
That is high for this type of index. SCHX has 0.04%. VOO has 0.05%. Institutional rates of S&P 500 in good
401ks are 0.02-0.03%....... So SPY would not be my choice.

VTI which is broader and IMO better index has 0.05%. That is why VTI has 400 Billion plus in assets.
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Old 04-19-2016, 06:41 PM   #22
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My favorites:
- Guaranteed Interest (pays 3%)
- Vanguard REIT (keeping it REIT y'all)
- Vanguard Small Cap Value (It goes way up, and way down!)
- Vanguard NJ LT (purchased way back when - sentimental favorite)
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Old 04-19-2016, 06:43 PM   #23
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Well, that's the Admiral shares, which is the version I have.

If you don't want to put that much into it, then get VWINX. It's the same thing with a $3,000 minimum, and the yield is a little less I believe.

https://personal.vanguard.com/us/fun...FundIntExt=INT
It seems like just yesterday when we started with investor shares, and now has bloomed into ADMIRAL shares.
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Old 04-19-2016, 07:22 PM   #24
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*************************************
>>>> VWIAX <<<< Vanguard's Wellesley, by a country mile.
*************************************

Year after year Wellesley just keeps pumping out dividends that I use for living expenses in retirement. Not at a high rate, mind you, but predictably. It is not that volatile either, so it doesn't scare me much when the market is gyrating wildly. Buying Wellesley is not a hot market tip; I just think it's just a really nice mutual fund to have after one is retired. Put it in your tax sheltered accounts if you have room for it there, for tax reasons.

+1. Plus Vanguard Wellington and Health Care.
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Old 04-19-2016, 07:43 PM   #25
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The fund didn't appreciate 39%, so you probably mean the expense ratio went up 39%.
OOPS, mixed up the line items. FSRVX went up 39% since I bought it, which I bought in 2014. Turns out it has an expense ration of just .09%. Now SPHIX has only gone up 2% which I purchased in late 2013 so that I might be dropping like a bad habit soon.
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Old 04-19-2016, 08:19 PM   #26
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My favorites are VTI, VEU, VBR, VSS, and BND.


I will extend this list a tad bit: VV, VTV, VNQ, VWO, VPL, VGK

I asked a very similar question when I first joined this forum. Wanted everything dividend and received similar answers. Eventually I did see the light
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What's your favorite fund/ETF ?
Old 04-19-2016, 08:25 PM   #27
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What's your favorite fund/ETF ?

What's the difference between VSS and VXUS.


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Old 04-20-2016, 07:47 AM   #28
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I like simple. Our core holding is fund of index funds that owns the whole world's publicly traded economy, Vanguard LifeStrategy Growth Fund (VASGX). It self-rebalances to 80/20 and expenses are .12 or so. At FIRE my ideal would be to have everything in it or the Moderate 60/40 version. Fidelity has a similar Four-In-One-Fund.
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Old 04-20-2016, 08:47 AM   #29
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I like simple. Our core holding is fund of index funds that owns the whole world's publicly traded economy, Vanguard LifeStrategy Growth Fund (VASGX). It self-rebalances to 80/20 and expenses are .12 or so. At FIRE my ideal would be to have everything in it or the Moderate 60/40 version. Fidelity has a similar Four-In-One-Fund.

Just like the above quote, I am using VASIX which is the opposite 20/80 a more conservative fund but works for me!
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Old 04-20-2016, 09:44 AM   #30
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For funds, VWIAX, for etfs it would be VTI.
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Old 04-20-2016, 12:31 PM   #31
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SCHD
Same here.
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Old 04-20-2016, 12:39 PM   #32
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My legacy 401k just added the Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares (VITPX), expense ratio 0.02%! Looks like my new favorite now.
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Old 04-20-2016, 12:55 PM   #33
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A big THANKS to all who replied. It led to so much research and it really opened my eyes. Vanguard is very popular among those here, and I used the performance and expenses of those funds as a guide. In the end I built a roughly 60/40 portfolio and looking between Schwab and Fidelity, I have decided that Fidelity is the best place for me. Using several of their Spartan funds and some iShares ETFs I was able to put together a portfolio that nets out to an average expense ratio of 0.157%. performance is very similar to many of the funds posted here. My funds that I'll use to start are....
  • (57%) Mutual Funds/ETFs - IVV IVW DVY FUSEX FIKFX
  • (38%) BONDS - FUBFX FLBAX Bond ladder TBD
  • ( 4%) Cash
  • ( 1%) Exploratory Stock Fund (a place to tinker)
Thanks all !!! I'll be saving the 0.9% advisory fee each year and have reduced my expense ratio by over 400%


( I chose between Fidelity and Schwab because I do want to opportunity for some face to face time on occasion. Both Schwab and Fidelity charge fees to purchase Vanguard funds, so that's why I steered away from them. I could just split accounts and open a Vanguard account too, but I'm just not there yet.)
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Old 04-21-2016, 08:44 AM   #34
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Any total US equities fund that has an expense ratio of <= 5 basis points.

I'm at Fidelity, so in my case: FSTVX.
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