For questions relating to Vanguard mutual funds, ETF's, IRA's, and other financial products.

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3
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1answer
74 views

What is the denominator in the expense ratio?

So I recently looked at Vanguard Total market Index fund, which has an expense ratio of 0.05%. How is this number calculated? The numerator is various operating expenses of the fund, but no source ...
2
votes
1answer
45 views

Same fund in ETF and investor share, different expense ratio?

I'm looking at Vanguard 500 Index fund. There are three different options. Admiral share (VFIAX) for people who has $10,000+, and the expense ratio is 0.05%. Investor share (VFINX) with minimal ...
1
vote
1answer
88 views

Can I use stop limit orders on vanguard orders to prevent loss?

Vanguard has commission fee ETFs which allow vanguard customers to purchase or sell any of their ETFs at any time. I'm looking to create a strategy that would minimize my downside in the eventuality ...
7
votes
2answers
231 views

Pros/cons of replicating a “fund of funds” with its component funds in my IRA?

I'm interested in investing in the Vanguard Target Retirement Income Fund in my IRA. That fund is made up of 5 funds: Total Bond Market II Index Fund Investor Shares (very similar to the Total Bond ...
1
vote
1answer
136 views

Does Vanguard grant admiral shares only on a per-account basis?

I want to hold Vanguard Total International Stock Index Fund in a Roth IRA and a taxable Vanguard account. Together they would total over $10k, but apart they would individually be under $10k. Both ...
4
votes
3answers
108 views

Is there any evidence that “growth”-style indexes and growth ETFs outperform their respective base indexes?

For example Vanguard has the Vanguard S&P 500 ETF and the Vanguard S&P 500 Growth ETF. Just looking at the returns, it looks like the growth ETF has outperformed the S&P 500 ETF: ... ...
7
votes
2answers
219 views

How does Vanguard determine the optimal asset allocation for their Target Retirement Funds?

Until 25 years before retirement, Vanguard Target Retirement Funds all have an identical asset allocation of 63% U.S. stocks, 27% international stocks, 8% U.S. bonds, and 2% international bonds. I ...
1
vote
1answer
109 views

What are the tax implications of exchanging one fund for another in a tax-sheltered account?

What are the tax implications (if any) for exchanging one fund for another in a tax sheltered account (Roth IRA)? e.g. Changing from, say, a Life Strategy Fund to a Target Retirement fund.
4
votes
3answers
573 views

How to diversify IRA portfolio given fund minimum investments and IRA contribution limits?

I recently opened a Roth IRA. Most of the funds at the fund company (Vanguard) have a minimum initial investment of $3000. The IRA contribution limit is $5500. This means I can only buy into one ...
-1
votes
1answer
95 views

Vanguard fund, Roth IRA, and 1099

About a week ago, I opened a Roth-IRA and purchased a Vanguard life strategy fund (VASGX), made the contribution for 2013 Tax Year. I should get q 1099, correct? How long does this normally take?
2
votes
1answer
93 views

Are capital gains tax-free in a Vanguard tax-free fund?

I own shares of the Vanguard New York Long-Term Tax-Exempt Fund (Admiral Shares)(VNYUX). I'm wondering exactly what is tax-free about it. The link says that the "interest income" is tax-free ...
4
votes
1answer
303 views

Are there any consequences for investing in Vanguard's Admiral Shares funds instead of ETF's in a Roth IRA?

I have a Roth IRA with Vanguard, and I saw this question: What is the difference between shares and ETF? about the differences between Admiral Share funds and ETFs. I've also seen stuff talking about ...
9
votes
2answers
428 views

Are there fees or penalties for holding less than $10K in a Vanguard Admiral Shares fund?

I currently have a large sum of cash in a "Rewards Account" at my credit union. The interest rate is at 2.75%. It seems to drop every year. It started out at over 4%. Basically, I am looking to find a ...
6
votes
3answers
3k views

Retirement Funds: Betterment vs Vanguard Life strategy vs Target Retirement

I'm a 20 something grad student and would like to open a hands off retirement account with beta exposure to the market and would make monthly contributions. I'm fairly illiterate when it comes to ...
0
votes
1answer
801 views

Where can I find accurate historical distribution data for mutual funds?

I've used Yahoo! Finance to get historical price and dividend data in the past. A recent experience has made me question its accuracy and left me searching for a trusted, accurate source. Here is a ...
0
votes
1answer
58 views

What is the technical name for the type of security whose price updates once per trading day?

For example, this guy right here: Vanguard Target Retirement 2050 Inv The price is updated once per day. What is this called technically? The reason I ask is because I'm building a system to track ...
4
votes
1answer
513 views

Investing in REITs - VGSIX vs VNQ

I recently began investing and planning for retirement. I opened up a Roth IRA through Vanguard and bought about $2,000 of Vanguard Target Retirement 2045 Fund (VTIVX). I'd like to invest in real ...
8
votes
2answers
363 views

Growth of unrealized gains in tax-managed index funds

Tax-managed index funds defer capital-gains distributions by, among other things, offsetting capital gains with losses and deviating from their underlying indexes to avoid having to sell appreciated ...
4
votes
1answer
2k views

Where can I find historic performance data on Barclays Aggregate Canadian Bond Index?

I'm looking at the Vanguard Canadian Aggregate Bond Index ETF (VAB), and it says it replicates the "Barclays Capital Global Aggregate Canadian Float Adjusted Bond Index". Unfortunately VAB is less ...
4
votes
1answer
81 views

As a Brit, how do I invest in US ETFs

Specifically, I'm interested in the Vanguard High Dividend Yield ETF. I actually live in China and don't plan on returning to the UK for the foreseeable future. Although I have some UK investments, ...
8
votes
4answers
213 views

Is my first 401(k) fund allocation reasonable, and with respect to fees?

I just started my first job after school and am now being enrolled in my company's 401k plan, which is handled by Vanguard. By default, I was put into the Target Retirement 2050 Trust II fund, which ...
4
votes
1answer
251 views

How are Vanguard directors chosen?

According to some on-line sources (including Wikipedia) Vanguard is owned by its member funds. Furthermore, it is run by its Board of Directors. However, I could not find anything on Vanguard's web ...
4
votes
2answers
57 views

Question about Tax Information from a Prospectus

I've been studying the prospectus for a Vanguard Index fund that I'm invested in, and I'm confused as to what percentage and what taxes I will end up paying. When the prospectus's tax information says ...
7
votes
1answer
227 views

Opened a Vanguard brokerage account. What do I need to keep track of for next year's taxes?

I know opening the account will not impact me for this tax season, but next year since I opened the brokerage account taxes will be a little different. What do I need to keep track of while I'm ...
1
vote
3answers
107 views

How to reconcile performance with dividends?

I have a Vanguard fund that returned -1.34% for the year, yet I earned dividends on the same investment of $106 for the same year. How do I reconcile negative performance with positive dividends? Is ...
5
votes
2answers
528 views

Roth IRA - Vanguard or Fidelity? If a college student had to pick one?

These are the only two options I will consider at this point, since I was in a very indecisive state, but have managed to narrow it down to these two. It seems that mostly everybody is recommending ...
7
votes
1answer
189 views

What is the least-bad way to invest a Simple IRA with heavy fees around every corner?

Given the following situation: an employer-offered "Simple IRA" run by a major brokerage with 1% gross pay matching; No near-future feasible opportunity to invest the Simple IRA contribution in a ...
11
votes
5answers
1k views

Which investment companies offer great online service and low cost index funds? I want to do everything online

I currently use Vanguard. I tried to move my wife's Roth to Vanguard but the process is absolutely terrible. The PDF form they generate for the rollover could not be printed (tried multiple browsers ...
3
votes
2answers
381 views

How do I properly pull my funds from one account and invest in another when I do not have a broker?

This is a follow-up to my previous question: My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do? Much of the advice I received pertained to ...
1
vote
2answers
1k views

How does transferring to a new brokerage account work?

I currently have 2 brokerage accounts - one at Schwab and one at Vanguard - I would like to consolidate them both at Vanguard. How does that work? Do the stocks (mutual funds in this case) just ...
4
votes
2answers
234 views

Why is a Vanguard fund based on U.S. treasury inflation-protected securities (TIPS) returning more than the rate of inflation?

VIPSX says it has returns of >= 5% over 5 years and almost 9% in the last year. It appears to be based on U.S. inflation-protected securities. However, U.S. treasuries are returning near zero, and ...
5
votes
2answers
747 views

Vanguard retirement portfolio suggestions for my 403(b)?

I'm 28 years old and going to start my 403(b) retirement investment. My investment contributions will be 5% by me and 5% by my employer. I'm planning to invest 8% in pretax and 2% in Roth. The ...
5
votes
2answers
186 views

Where do expense ratios show up on my statement?

This answer describes the lowered expense ratios of Vanguard admiral shares compared to Vanguard investor-class shares. How do I tell from my statements that I am saving money through the lowered ...
4
votes
1answer
442 views

How do I track investment performance in Quicken across rollovers?

I use Quicken to track investments. I'd like to track performance. Here is a situation that feels wrong: I buy stock S for $10/share. I hold for 5 years. I sell S at $20/share and buy S2 for ...
8
votes
1answer
6k views

What are Vanguard's Admiral Shares?

What are Vanguard's Admiral Shares? I recently heard about them, and I'm not sure how they differ from the normal shares of their mutual funds I have.