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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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3
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2answers
2k views

Does Vanguard ensure that employees do not overcontribute to their 401(k)?

I read on http://www.doughroller.net/retirement-planning/happens-contribute-401k/: Most of us won’t have to worry about contributing more than the annual limit. Even if you have enough money ...
-1
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1answer
121 views

Vanguard Minimum Investment and Minimum Duration

For the Vanguard mutual funds that do not have a redemption fee, is the minimum amount of time during which the minimum investment must be in the fund 60 days as mentioned here, or is there another ...
5
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3answers
211 views

Vanguard Mutual Funds — Diversification vs Share Class

Vanguard Admiral shares typically require a minimum investment of $10,000, whereas the Investor shares typically require $3,000. For the lower expense ratio funds, the former have expense ratios of ...
1
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1answer
241 views

Vanguard Fund Minimums with Multiple Accounts Containing Same Fund

Assume I have a Roth IRA account and a mutual fund account through Vanguard, and that both of these accounts invest in the same fund. Does the minimum fund balance apply to the Roth IRA and mutual ...
4
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2answers
1k views

At Vanguard, can I transfer shares from regular investment account to a Roth IRA?

Due to a misunderstanding of Roth IRA's benefits, several years back I opened a regular investment account at Vanguard (i.e. non-tax-advantaged). Now that I understand Roth IRA, I want to open one. ...
2
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2answers
56 views

Opening an IRA and Minimum Initial Purchase Amounts

The Vanguard website lists the mutual funds in which one can invest when opening an IRA. Some of those funds have minimum investment amounts of $10,000. Since the annual IRA contribution limits are $...
10
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1answer
1k views

My first 401k, starting late-ish - should I stick with target date? [closed]

I just got my first "big boy" job at the tender age of... 34, after a long time in academia and a startup stint that worked out pretty well (startup got acquired by public company) - so now it's the ...
5
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1answer
590 views

Good Index funds in EU precisely in the Hungary area?

U.S citizens can easily purchase Vanguard index funds to invest and they are the most recommended. Are there any similar options for EU citizens, mainly Hungary? I am only getting familiar with the ...
3
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1answer
204 views

Why is there such a huge difference in the minimum investment of Vanguard's Prime Money Market Fund Admiral and Investor Shares?

For Vanguard's Prime Money Market Fund Investor Shares mutual fund, the minimum investment is $3,000. But for the Admiral Shares version, the minimum investment is $5,000,000! Why is there such a huge ...
1
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1answer
922 views

Passive income using a vanguard index fund?

I am thinking about investing my money into an index fund that generates money over time. From my research, I see that an index fund has about a 7% return rate over a ten year span. I am looking into ...
7
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3answers
7k 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 ...
3
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3answers
517 views

Does dollar cost averaging apply when moving investments between fund families?

We'll likely be moving ~$100,000 (two Roth IRAs, about 80k/20k split) from a mix of Nationwide funds to a combination of Vanguard whole-market stock and bond index funds (details below). All else ...
3
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1answer
642 views

Can you lose money in Vanguard money market settlement fund?

Same as the title: Can you lose money in Vanguard money market settlement fund?
4
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2answers
999 views

401k rollover and vested balance

I have a (fidelity) 401k with company A. It has a balance of $X, of which $Y has been vested. I was laid off of company A three months ago. Yet, the balance still shows up as $X (with $Y vested). I'd ...
2
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1answer
2k views

Switching Roth IRA ( from American Funds to Vanguard)

After reading Roth IRA: Vanguard vs Free Advisor's Mutual Fund, I'm considering switching my Roth IRA from American Funds to Vanguard. What should I be aware of when doing so? Would it be better to ...
-1
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3answers
1k views

Can I invest in gold through Vanguard (Or another instrument that should perform well in financial crisis)?

Looking at my retirement money, and wondering what specifically could go up in the event of a crisis on the scale of what happened in 2007 to 2009. There is a Gold and Mining Fund, but it actually ...
5
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1answer
1k 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 ...
9
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5answers
2k views

How can I invest in an index fund but screen out (remove) certain categories of socially irresponsible investments?

I currently invest in index funds (VFINX and FUSEX) but would like to negatively screen out certain categories of investments for the purposes of "Socially responsible investing". I don't have any ...
1
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1answer
219 views

Investing in a offshore bank account

I am completely new on investing and I am educating myself reading some books about finance but in the process to understand better the whole process, I'm very interested on buying index funds. So, I ...
0
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1answer
78 views

Vanguard Hypothetical Growth and Dividends

I have a question on the two pictures below. Here it states that Vanguard REIT ETF has high potential for investment income and some growth. The dividend payments this year so far have been $0.919 ...
2
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0answers
62 views

Make a SEP contribution to a traditional IRA

I have a traditional IRA with Vanguard that originated as a 401k rollover (so they call it a Rollover IRA). This year I have a lot of self-employment income, and I am qualified to make a SEP IRA ...
7
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2answers
834 views

What is cheaper annually — buying shares in a Vanguard index fund or buying shares of an ETF?

I’m having some difficulty figuring out which route would minimize the annual fees I pay. Vanguard offers an index fund that tracks the S&P 500 with an expense ratio of 0.25%. Then, there’s this ...
1
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2answers
522 views

Where to find Vanguard Index Funds?

I am trying to find Vanguards S&P 500 index funds and Vanguards Dow index funds. But I only see "Mutual" or "ETFs" Funds. Is Vanguard Mutual funds equivalent to a index fund?
2
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1answer
535 views

Is dividend factored into Annualized return?

I would like to keep it as simple as possible. If I visit Vanguard Benchmark returns page here https://personal.vanguard.com/us/funds/tools/benchmarkreturns It shows annualized returns for different ...
1
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0answers
2k views

Is there any way to do Automatic investment in ETF?

My Goal is simple: Contribute X amount every month to some Y Vanguard ETF Put it on autopilot (Automatic investment) without having any transaction fees. Since Vanguard does not charge any money for ...
7
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5answers
708 views

How to invest a $1000 in an index mutual fund?

My pre-teen daughter saved up a $1000 and I thought it might teach her how finances work if we invested it in a mutual fund. Specifically in an index fund like S&P 500 or some such. The problem ...
3
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1answer
2k views

How to invest in Vanguard index fund for non-us citizen from overseas

How can I open Vanguard's account if I don't live in the US and non-US resident. Vanguard's ETF is not an option as it involves other factors such as currency exchange, people perception. If I go to ...
1
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1answer
57 views

Claiming tax loss after selling US mutual fund using specific lots

Background: I want to sell one mutual fund that I own in Vanguard to claim a tax loss on it. The default cost basis offered in Vanguard is "Average Cost" method. But I calculated that if I use the ...
-3
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1answer
168 views

Financial advisor is outperforming Vg LifeStrategy 80. Should I keep him?

My financial advisor has my money invested in a range of actively managed funds. In 4 years since July 2011, the portfolio he has created has gained about 50%, while LS 80 Acc has gained about 40%, ...
3
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0answers
90 views

How can I purchase new assets for my Roth IRA while residing in Canada?

I'm a US citizen and currently reside and study in Canada. My Roth IRA is currently at Vanguard (in the US). While I reside in Canada, they do not allow me to purchase new assets with the funds that ...
13
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1answer
14k 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.
12
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2answers
2k views

Roth IRA: Vanguard vs Free Advisor's Mutual Fund

Background: I recently turned 25 and became applicable to invest into my employer's 401K. Due to no matching, I have 3% allocated in as a supplemental retirement fund. Currently single, rent (no ...
3
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5answers
2k views

Suitable Vanguard funds for a short-term goal (1-2 years)

I am looking to save for a down-payment for a house in a period of 1 to 2 years. So I want to open a brokerage account, start with $3K, and put $1K on a monthly basis. Then, after one or two years, I ...
2
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1answer
2k views

What are Some Good Low Cost Index Funds to Invest in for the Long Term?

I am 19 years old (in Canada) and have heard that "Low Cost" index funds are a safe and highly profitable way to invest small amounts of money each month. My aim is to invest every month until I am ...
4
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1answer
6k 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 ...
2
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1answer
1k views

Vanguard limit order vs stop order in a buy scenerio

I just opened an account on Vanguard and am learning about the different order types. I am having trouble finding the difference between a limit and stop order in a buying situation. Looking at their ...
3
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1answer
1k views

If I can invest $100 a month, is it better to choose Vanguard S&P 500 ETF or Betterment

If I can invest $100 a month, is it better to choose Vanguard S&P 500 ETF or Betterment? I can put down a max initial investment of $1000, and may pull out the investments when the market looks ...
3
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3answers
3k views

Vanguard Target Retirement Fund vs. Similar ETF Distribution (w/ REIT)

I currently have a Roth IRA with 10k invested in the Vanguard Target Retirement Fund 2050 (VFIFX). The Target Retirement Fund consists of the following: 63.0% - Vanguard Total Stock Market Index Fund ...
1
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3answers
1k views

Why would I pick a specific ETF over an equivalent Mutual Fund?

At the risk of beating a dead horse, I am still confused about the benefits of an ETF over a mutual fund. I understand the general premise (lower expense ratio, liquidity, paying taxes for other ...
3
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1answer
140 views

When a fund drops significantly, how can I research what went wrong? [duplicate]

A mutual fund I have (Vanguard Health Care Inv - VGHCX) dropped around 8% in one day...which is kind of unusual for a fund. All the while the general stock market rose slightly. Which brings me to ...
0
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2answers
1k views

Do money markets fluctuate during market crashes?

Do money markets exhibit any sort of fluctuations during a stock market crash? Is it any different than placing your money in a bank? I am interested in VMMXX, but google finance only has a chart ...
8
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2answers
1k 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 ...
3
votes
1answer
211 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
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1answer
139 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
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1answer
2k 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
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2answers
464 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 ...
5
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3answers
277 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: ... but ...
2
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1answer
2k 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 ...
1
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2answers
7k 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 ...
1
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1answer
310 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.