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Questions tagged [vanguard]

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

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How can I know the historical returns for a Vanguard bond fund, disregarding changes in share price?

This question is really about bond funds in general, but Vanguard funds are what I have experience with, so the details of my question and screenshots will be specific to them. But I hope this ...
Brian Rak's user avatar
  • 298
1 vote
0 answers
284 views

Is there any way to pay Vanguard account fees without it counting as an IRA contribution?

I have a small Vanguard traditional IRA that I maintain but don't contribute to. Because I want to continue to get paper statements, there is an account fee that I haven't paid for two years. ...
Jack's user avatar
  • 303
2 votes
2 answers
508 views

What is the correct Formula for calculating fund growth with fees

I am considering two different options for a roth IRA. A managed fund that has a higher historical growth rate but 1% fee and a self directed vanguard account, which would have a lower growth rate but ...
achyrd's user avatar
  • 123
0 votes
1 answer
123 views

Can I buy stocks on Vanguard SIPP from UK

I currently have a SIPP account with HL. But I want to transfer my account to Vanguard as the annual account fee is much cheaper with Vanguard. However I don’t know and couldn’t find any information ...
MSBI-Geek's user avatar
  • 103
-2 votes
1 answer
293 views

Is there a way to transfer money from a vanguard settlement account to wise.com

One can not link a bank account to ones vanguard account if their name isn't on the bank account. So is there any way to transfer money from a vanguard settlement cash account to wise.com?
Mr Monee's user avatar
  • 462
4 votes
3 answers
2k views

Vanguard legacy mutual fund account held shares of the same fund that's used for brokerage sweep accounts. Now what?

Vanguard announced new annual fees on legacy mutual-fund-only accounts to start September 1, 2023, so this convinced me at long last to transition all my Vanguard legacy accounts to brokerage accounts,...
MTA's user avatar
  • 1,483
1 vote
1 answer
101 views

Considering current market situation is it wise to convert 401K account into IRA

This is what I know about 401k and IRA accounts: 401k accounts are employer-sponsored plans, which means that you can only participate in a 401k plan if your employer offers one. IRAs, on the other ...
OpenStack's user avatar
  • 137
1 vote
2 answers
947 views

What happens if my vanguard cash account is negative?

I have recently opened an account with Vanguard Australia. I have made some investments through a deposit into the cash account and some I have made some through the auto invest option. I am guessing ...
Jerome's user avatar
  • 518
1 vote
3 answers
455 views

Investing in one single global index fund or seperate S&P500 and global Ex-US funds

I am looking to begin passive investing in ETFs. In my own research so far I come across the advice that it can be a good passive strategy to invest in some index fund like a Vanguards S&P500, ...
Blargian's user avatar
  • 123
1 vote
1 answer
155 views

How can unvested assets land in one's Self-Directed Brokerage 401(k) account?

I read in a US-based employer-sponsored 401(k) plan managed by Vanguard the following warning while attempting to change the contribution allocation: All Sources: Your plan has restrictions on having ...
Franck Dernoncourt's user avatar
0 votes
1 answer
527 views

How to determine which exchange to use for a long term European investment?

I am a permanent resident in Italy and I'm starting to make a long term investment of monthly fixed purchases (10+ years) in Vanguard S&P 500 UCITS ETF USD Acc (IE00BFMXXD54). I am using a broker ...
alexmcfarlane's user avatar
0 votes
0 answers
117 views

Avoiding estate taxes on US ETF investments for non-US citizen

Typically I have been investing in Vanguard ETFs e.g. VXUS, VTI etc. via a US brokerage (Drivewealth). As I near the $60,000 limit for the estate tax exemption (non-US citizen, resident outside US, no ...
curious_cat's user avatar
2 votes
1 answer
95 views

Can we mix different asset allocation funds (funds-of-funds) to obtain a custom percentage mix of equity to fixed-income assets?

Since 2018, Canadians (and Americans) have easy-access to an array of auto-rebalanced asset allocation funds. These "funds of funds" combine equity and fixed-income in different ratios, in ...
pf_init_js's user avatar
0 votes
1 answer
3k views

How do I check if I've met my maximum Roth IRA contribution on Vanguard?

How do I check if I've reached the maximum yearly contribution amount for my Roth IRA Brokerage Account on Vanguard? I know that the limit for 2022 is $6,000, but I can't remember if I've contributed ...
Stevoisiak's user avatar
1 vote
0 answers
71 views

What is the unhedged version of VBU?

I know I should be able to find this, but I don’t see it listed anywhere online. I want to find the Canadian version of Vanguard’s total US Bond index (BND), I see VBU but this is hedged against the ...
Dugan 's user avatar
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5 votes
1 answer
1k views

Mutual fund historic prices, seen @ Google and Yahoo, don't match my activity

I'd like to understand, how should I interpret the VFIAX mutual fund historic prices, which can be found @ Google Finance and @ Yahoo!Finance. For example, both these sites show the VFIAX closing ...
HEKTO's user avatar
  • 155
1 vote
1 answer
105 views

Can I circumvent the minimum investment amount on mutual fund if I am gifted a share of that fund?

Vanguard has Information Technology Index Fund that require hefty $100,000 minimum to start investing. If a friend of mine donate(gift) me one share (current price $203.83) and I give him cash same ...
riya's user avatar
  • 1,245
-1 votes
1 answer
181 views

How to retrieve the current holdings from ETF's like VTI

I'm trying to retrieve the up-to-date list of all holdings for an ETF like VTI. There is a list here: https://investor.vanguard.com/etf/profile/overview/VTI/portfolio-holdings but it's very hard to ...
chhenning's user avatar
  • 113
6 votes
2 answers
407 views

Vanguard converted many investor shares to institutional shares for their target date retirement funds: why did it create a capital gain distribution?

I read (mirror without paywall) that the fact that Vanguard converted many investor shares to institutional shares for their target date retirement funds in September 2021 created a huge capital gain ...
Franck Dernoncourt's user avatar
1 vote
1 answer
85 views

UK: is it possible to buy Vanguard Growth Index Funds (VGIX)? [closed]

Is it possible to invest in the Vanguard growth index funds if you're based in the UK? Either directly with Vanguard or via a broker. I asked Charles Stanley but they don't do it. Thanks
coursepredict1's user avatar
0 votes
1 answer
61 views

Why ETF Actual Dividend yield differs after only 3 months

Will take IDVY.L as an example, dividends paid per share in September - 26.74p (30.91¢), projected dividends in December - 2.004p (2.35¢) - 13 times less. Another example - IUKD - 3 times difference ...
dark_ruby's user avatar
  • 101
6 votes
1 answer
478 views

Are the Vanguard Target Retirement Plans designed for when you turn 65, not for when you plan to retire?

During a presentation around 401k plans, my company's 401k provider just informed us that the "Vanguard Target Retirement " plans are designed for what year I turn 65, not the year I plan to ...
Josh's user avatar
  • 334
1 vote
1 answer
316 views

Does Fidelity have equivalent ETFs of VFIAX and VDADX [closed]

I noticed that fidelity charges a fee for buying: Vanguard Index Admiral Fund (VFIAX) Vanguard Dividend Appreciation Fund (VDADX) Does fidelity have equivalent funds of the above that I won't be ...
simgineer's user avatar
  • 113
1 vote
1 answer
432 views

Why do some Vanguard Admiral Shares have higher expense ratios? [duplicate]

My understanding of Vanguard "Admiral Funds" is that they charge lower management fees (have lower expense ratios) in exchange for there being a minimum investment amount. However, it seems ...
user112615's user avatar
1 vote
1 answer
8k views

Which one is the VOO ETF I'm looking for?

I'm starting my investment education. From udemy - Complete Investing Course 2021 (Stocks, ETFs Investing) I found I should look for VOO ETF. So I searched for it on IBRK but there are many: So ...
ebepem's user avatar
  • 75
0 votes
2 answers
659 views

Gnucash chart of accounts CSV import gives error message, stock 'accounts' not imported

I am a corporate IT veteran from the financial industry with some QA experience and a Gnucash newbie. I am working on my chart of accounts setup in an iterative manner: I make adjustments to my ...
geoff cahill's user avatar
2 votes
1 answer
213 views

Fungibility of ETFs traded in GBP and USD on the London Stock Exchange

I would like to buy some shares of Vanguard FTSE All-World UCITS ETF (accumulating). According to the fact sheet, two tickers are available on the London Stock Exchange: VWRP (traded in GBP) VWRA (...
Flux's user avatar
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1 vote
1 answer
843 views

Is it possible for UK residents to invest in Vanguard's VGT

As a UK resident, is it possible to invest on Vanguard Information Technology ETF https://investor.vanguard.com/etf/profile/VGT? If so how? Thanks
managerofmanager's user avatar
0 votes
2 answers
111 views

How are investments distributed across an index?

Let's say an individual invests a sum of money on an index, say, through Vanguard (e.g. VFIAX or VTSAX): How does the allocation of this investment get distributed across shares of the companies in ...
Josh's user avatar
  • 213
7 votes
1 answer
3k views

What does "not funded by you" mean in Vanguard's college savings planner?

What does the green area called "Not funded by you" represent in this type of college 529 calculator? Source calculator here.
Josh's user avatar
  • 213
1 vote
1 answer
212 views

Why did VNQ not pay a dividend in March 2021?

I am trying to research Dividend on REITS and I was surprised to see vanguard has no dividend for its VNQ ETF. Is it the first time or may it be due to COVID? Note: When I look at yahoo, I see, dates ...
puzzled's user avatar
  • 1,016
1 vote
2 answers
774 views

How best to maximise the compounding effect of vanguard investing platform?

I have recently put 2K into the vanguard life strategy 100% fund, which is a pre diversified fund of funds. I also drip feed this account monthly. Now I’m putting another 2K from savings into vanguard ...
CiaranWelsh's user avatar
1 vote
1 answer
98 views

How to compute unit average cost after capital gain distributions?

My question is about how and why the average cost of a stock is re-computed after the capital gain distributions of the corresponding fund. I'll give the actual example that confuses me to ground the ...
Julep's user avatar
  • 111
0 votes
1 answer
797 views

Where can one view the split between pretax, after-tax and Roth money in one's Vanguard 401(k) account?

The best I could find is https://retirementplans.vanguard.com -> Retirement plan participants -> Manage my money -> Manage my brokerage option, which gives the split between Roth money and ...
Franck Dernoncourt's user avatar
0 votes
1 answer
76 views

Vanguard Stocks and Shares ISA - pay tax in US?

If a UK citizen (only citizen in the UK, having no residency in the US or any other connection with the US) opens a Vanguard Stocks and Shares ISA and buys US stocks (e.g. in the form of VUSA), does ...
K--'s user avatar
  • 133
1 vote
1 answer
162 views

Suggestion for my ETF portfolio to invest in Germany?

Below are my 3 ETFs to invest in Germany via Trade Republic as I will need to pay tax here (first 800 Euro is tax exemption). This is my first time ever to invest in stocks and I will hold it for 5+ ...
Bằng Rikimaru's user avatar
2 votes
1 answer
87 views

Liquidity of ETFs and Authorized Participants

I will buy the Vanguard Ftse All-World Units Etf A through my bank on Borsa di Milano (the Italian Stock Exchange). I have been told by the financial advisor of my bank that these assets have a small ...
MrRobot's user avatar
  • 135
13 votes
2 answers
2k views

Why is the expense ratio of an index fund sometimes higher than its equivalent ETF?

Vanguard Total Stock Market Index Fund Investor Shares (VTSMX)'s expense ratio is 0.14% whereas VTI, its equivalent ETF, has an expense ratio of 0.03%. Why is the expense ratio of an index fund ...
Franck Dernoncourt's user avatar
1 vote
0 answers
136 views

How do I do an in-kind transfer of funds from an individual to joint account in Vanguard?

For a few years I had an individual brokerage account in Vanguard where I invested in some mutual funds. Now I decided to open a joint brokerage account with my wife and transfer these funds to this ...
wintermute's user avatar
0 votes
1 answer
316 views

How can one lose money with VTI? [duplicate]

I am 26 and beginning to learn about investing. I currently have no investments other than some schemes through my employer, which I've already maxed-out. I've read that VTI is a long-term, low-risk ...
K--'s user avatar
  • 133
3 votes
1 answer
98 views

TIAA-CREF mailed me check -- how do I roll this over into a Vanguard IRA?

I had $500 sitting in a TIAA-CREF account from over a decade ago. They liquidated all their older assets under $5K and mailed me a check for $400, deducting 20% for federal income tax. Can I roll this ...
tef2128's user avatar
  • 141
1 vote
2 answers
168 views

WisdomTree ETFs

I have come across WisdomTree. I am quoting, as they define their line of work: WisdomTree is an ETF sponsor and index developer that uses a rules-based methodology to select and weight companies... ...
TwinPenguins's user avatar
7 votes
2 answers
1k views

Invest in Vanguard Index Funds (from Germany)

I am planning to invest in Vanguard Index Funds while living/working in Germany, but only interested in specific ones (see below). But I cannot seem to find them via brokers that I usually do my ...
TwinPenguins's user avatar
4 votes
1 answer
66 views

Do income/distributing index funds (Vanguard specifically) invest their dividends until they are being paid out

Take those two for instance: https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-developed-world-ex-uk-equity-index-fund-gbp-inc/distributions https://www.vanguardinvestor.co.uk/investments/...
foo's user avatar
  • 153
0 votes
1 answer
483 views

Cannot understand the 10 year VTI growth chart on Vanguard

The image below shows the performance of Vanguard Total Stock Market ETF (NYSE Arca: VTI). I cannot understand how $10,000 becomes $34,070 after 10 years with a 10-year return of 12.80%. Shouldn't it ...
user855's user avatar
  • 233
0 votes
1 answer
74 views

Vanguard Digital Advisor Service Question

Vanguard Digital Advisor is an all-digital service that targets an annual net advisory fee of 0.15% across your enrolled accounts. From my research, your portfolio will consist of the following four ...
user865440's user avatar
0 votes
1 answer
297 views

How can I buy an ETF on Stock Exchange of Hong Kong as an investor in the USA? [closed]

I want to buy shares in 9169.HK Vanguard Total China Index ETF in USD. Their How To Invest page says "You can buy Vanguard ETFs through a brokerage firm during normal trading hours." But ...
Ryan's user avatar
  • 430
1 vote
2 answers
2k views

Index fund question regarding Vanguard 500 Index Fund Admiral Shares - compound interest

I created an account with TDAmeritrade and started investing in VFIAX(Vanguard 500 Index Fund Admiral Shares) three years ago. At the time, I thought that I am investing in an index fund. However I ...
Nikhil Das Nomula's user avatar
3 votes
1 answer
99 views

What is the difference between investing in index fund on their website over your existing bank?

I want to start investing in index fund S&P500, specifically VFIAX from Vanguard. I went to their website and started creating an account, and then it occurred to me....maybe my bank, Chase ...
user101658's user avatar
3 votes
0 answers
112 views

Why do Vanguard Mutual funds have slightly better performance than their ETF counterparts?

I'm trying to understand why in general mutual funds tend to very slightly outperform their ETF counterparts. I've put an example here but it seems to be true for the majority of mutual fund / ETFs I'...
user3325789's user avatar