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05-10-2012, 06:46 PM
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#1
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Dryer sheet aficionado
Join Date: Feb 2007
Posts: 34
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Vanguard Help
My wife and I are about to open 2012 Roth IRA's at Vangard. This is our first investments at Vangard. We have other investments at TRP. I am looking for advice on which funds to use for this purpose. We are 59 and both still working. We have other investments and are looking at retiring in a few years around 62. Any thoughts?
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05-10-2012, 06:57 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: Jun 2005
Posts: 5,582
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A lot of folks might say,
1. What's your desired asset allocation?
2. What does the rest of your portfolio look like?
3. What's missing in your 401(k)s and your plan that you need to fill in with investments in Roths?
4. What is high fee in your current assets that you could shift to low-fee at Vanguard in your Roths?
Sorry, if that's a non-answer, but without more info, you might get answers all over the place since vanguard has lots of good funds that are quite different from each other.
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05-10-2012, 07:57 PM
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#3
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Recycles dryer sheets
Join Date: Nov 2008
Posts: 242
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I agree with LOL, but, if you want to get going and don't know what to do, I'd suggest starting with the Vanguard total stock index fund. Now.......if you haven't, get some help,depending on the size of your account, Vanguard may help and you can get a lot of good advice just by perusing their web pages. Good Luck.
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05-11-2012, 04:16 AM
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#4
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Moderator
Join Date: Jan 2008
Location: Land of stinky onions
Posts: 10,860
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Vanguard's two actively managed funds, Wellington and Wellesley, are also popular.
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It's not the cards you're dealt in life but what you do with them that matters
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05-11-2012, 08:13 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: Jan 2008
Location: Chicagoland
Posts: 7,328
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 Quote:
Originally Posted by MichaelB
Vanguard's two actively managed funds, Wellington and Wellesley, are also popular.
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+1. If you want a no fuss, hands off place to park the money, these are two of the best choices. Even folks with more knowledge of asset allocation and asset classes/funds often don't get better results, and go back to Wellington and Wellesley.
And here's another simple viable option https://personal.vanguard.com/us/fun...RetirementList
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It's a pity to waste your life living the same tiny day over and over again. James Taylor
Retired Jun 2011 at age 57
Target AA: 55% equity funds / 40% bond funds / 5% cash
approx 20% SI (secure income, SS only)
Target WR: approx 2.5%
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05-11-2012, 08:34 AM
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#6
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Thinks s/he gets paid by the post
Join Date: Nov 2010
Posts: 3,915
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Quote:
Originally Posted by MichaelB
Vanguard's two actively managed funds, Wellington and Wellesley, are also popular.
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+1 and the Star fund is also a good couch potato choice - a balanced fund (about 60 stock/40 fixed) that is a composite of a number of Vanguard active and index funds.
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05-11-2012, 02:53 PM
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#7
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Thinks s/he gets paid by the post
Join Date: Oct 2010
Posts: 1,040
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I use STAR (VGSTX) as a core holding in my portfolio. The expenses are .34 which is a little higher than 100% index, but still pretty cheap. STAR is a very diversified mutual fund, covering lots of asset classes. I just add some short-term bonds or dividend paying stocks to fill in my asset allocation.
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For me experiences are not good or bad, just different
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05-11-2012, 04:08 PM
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#8
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Thinks s/he gets paid by the post
Join Date: May 2009
Posts: 2,322
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Quote:
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Originally Posted by pb4uski
+1 and the Star fund is also a good couch potato choice - a balanced fund (about 60 stock/40 fixed) that is a composite of a number of Vanguard active and index funds.
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I use total stock as my monthly contribution saving fund, and I use Star as my yearly Roth 5k dump in April. I like the diversification of the fund, too. However, I don't remember why I actually chose it over either of the Wells. And if I did, it probably wasn't a good reason anyway, but Im sticking with it. I just deposit it and forget about it.
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05-11-2012, 08:26 PM
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#9
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Dryer sheet aficionado
Join Date: Feb 2007
Posts: 34
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Vangard Help
Thanks for the replies. I don't have much of an understanding for the Vangard Funds . I've been mostly in TRP. Sounds like any of the suggested funds would suit my needs. Are there any more that anyone else is using that are relatively safe?
Thanks
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05-12-2012, 07:06 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: Jan 2008
Location: Chicagoland
Posts: 7,328
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Quote:
Originally Posted by Allegany
Thanks for the replies. I don't have much of an understanding for the Vangard Funds . I've been mostly in TRP. Sounds like any of the suggested funds would suit my needs. Are there any more that anyone else is using that are relatively safe?
Thanks
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If you look at individual Vanguard funds, they show a "risk potential" rating for each fund like the example below. There's also a link right below the graphic with further explanation. You have to decide what level of risk you can live with knowing that in the long run higher returns come with higher risk or volatility. If you're hoping we can tell you what fund will provide high returns and low risk, I don't think anyone will be able to help.
__________________
It's a pity to waste your life living the same tiny day over and over again. James Taylor
Retired Jun 2011 at age 57
Target AA: 55% equity funds / 40% bond funds / 5% cash
approx 20% SI (secure income, SS only)
Target WR: approx 2.5%
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05-12-2012, 08:02 AM
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#11
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Dryer sheet aficionado
Join Date: Feb 2007
Posts: 34
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Vanguard Help
Thanks for your input. I signed up for VWINX. Looks like it will be good for me. Thanks everyone
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05-15-2012, 12:41 PM
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#12
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Recycles dryer sheets
Join Date: Dec 2011
Location: philadelphia
Posts: 98
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Quote:
Originally Posted by Allegany
Thanks for your input. I signed up for VWINX. Looks like it will be good for me. Thanks everyone
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Congratulations on a good choice.
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05-17-2012, 06:16 PM
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#13
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Thinks s/he gets paid by the post
Join Date: Feb 2004
Location: 34N 78W
Posts: 1,753
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Don't rush in but VG can provide low cost entry into other fund families such as PCRIX 
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In a panamax down by the river.
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