Questions tagged [vanguard]

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

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2k views

Why is VFINX more expensive than VFIAX?

Vanguard core funds are a very popular set of mutual funds. Two of them, VFINX and VFIAX, are extremely similar. They both hold the 500 largest stocks in the US equity market. They both have the same ...
2
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1answer
629 views

Why the Vanguard S&P 500 eur has such a lower price compared to the original US version?

sorry if this is a silly question but I am new to the finance world. I would like to understand better why the Vanguard S&P 500 UCITS ETF (VUSA) has such a different price compared to the Vanguard ...
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2answers
246 views

I have some savings want to invest in index fund but worried about recession in 2019/2020

I have a dilemma. Should I go all in and invest my savings in Vanguard indexes such as VTSAX? Or should I play it safe and wait for a recession? The market recovered from the December 2018 drop so ...
2
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1answer
364 views

How do Vanguard LifeStrategy 60 Inc units generate a yield when all the sub-funds are Acc units?

According to Vanguard's portfolio information for Lifestrategy 60 Inc units, the sub-funds of which it's made up are entirely Acc units (with the exception of an inconsequential 0.0% in a distributing ...
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2answers
91 views

Roth counting toward 401k maximum

Vanguard is showing me that my Roth contributions are counting toward the $19,000 401k maximum. I thought Roth counted towards a separate $6000 maximum. Is my Roth not an IRA?
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1answer
89 views

How to estimate the average cost-per-share of a not-very-liquid ETF purchased with a market order?

I'm a Canadian resident and a few months ago I bought a US-listed Vanguard ETF of European stocks (VGK). There was a Canadian-listed version of this ETF (VE), but I chose the US-listed one because the ...
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1answer
94 views

Why doesn't Vanguard allow to pay fees pertaining to 401(k) accounts using resources located outside the 401(k) accounts?

Why doesn't Vanguard allow to pay fees pertaining to 401(k) accounts using resources located outside the 401(k) accounts? Is that due to some law, some other constraint, or is that just some arbitrary ...
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3answers
2k views

Why would someone pick iShare's Russell 2000 ETF over Vanguard's?

There are two ETFs that both track the Russell 2000 (at least according to everything I've read), which are IWM (iShares) VTWO (Vanguard) The Vanguard ETF has a lower expense ratio. As such, could ...
4
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1answer
821 views

What is the difference between shares and ETF?

For example, I see that this: Vanguard FTSE All-World ex-US Index Fund Investor Shares (VFWIX) is Also available as an ETF and at a lower cost as an Admiral™ Shares mutual fund What is the ...
4
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3answers
2k views

Vanguard Target Year retirement funds track record

Some personal finance "gurus" recommend funds with a track record of at least 10 years. Both my current and previous employer default to Vanguard target year retirement funds. These funds from 2015 ...
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1answer
372 views

Backtesting for Vanguard Mutual Fund investments

I'm new to this so my apologies if this is out of place or not a "correct" use of backtesting. Is there a free service (or python package) for backtesting investment strategies for Vanguard mutual ...
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1answer
103 views

Vanguard CRSP total index versus a value and growth combination of the same index?

I am currently researching Vanguard Mid-Cap and Vanguard Small-Cap indexes. The methodology for inclusion in these indexes is outlined in the CRSP Methodology Guide. According to the guide, inclusion ...
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0answers
286 views

GnuCash/Finance::Quote not working for Vanguard funds [duplicate]

I have money in some Vanguard funds (VTSAX and VTTSX), and track my money locally in GnuCash. Some time ago, I had it set up to automatically update the prices of these funds (Price Editor → Get ...
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1answer
3k views

Why does Voya use Vanguard fund names with different prices and no ticker symbols?

I have a Voya 401k account from employer. I've been investing in four funds, three of which (I thought) are "Vanguard" funds. The names are identical to Vanguard funds, but they aren't the same at ...
6
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1answer
518 views

Why buy mutual funds when equivalent ETFs exist?

Vanguard has ETF versions of several of its mutual funds. I don't know if they are are 100% equivalent but the Vanguard site itself to them from the mutual fund pages. Why would someone chose to ...
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2answers
299 views

Global Small-Cap Index Fund has an annual average rate of return of 14%?

I'm new to learning about investing so this may sound stupid. But I'm from the UK and I looked up different index funds on the Vanguard UK website. And since its inception (in Jan 2010), the annual ...
4
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1answer
830 views

Vanguard UK lets you invest in the S&P 500 index fund. What about my taxes?

Vanguard UK lets you invest in the S&P 500 index fund via an ISA (Independent Savings Fund). I understand that an ISA in the UK shields you from any tax on your profits from investments (up to a ...
2
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1answer
318 views

How can Vanguard sell ETFs for no fee?

One can trade Vanguard's ETF with no fee for buying or selling. I have made several trades ( on the internet - no agent) over the last year for no fee. How do they make money ?
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3answers
307 views

What do mutual funds do with the dividends that the securities that they contain give out?

For example, Vanguard Dividend funds have a lot of stocks that give out dividends. Are there any regulatory requirements for Vanguard to distribute the fund? Can they decide to do whatever they want ...
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1answer
115 views

How to estimate for Capital Gains when investing in Vanguard Managed Funds

I am saving up money now for my daughters college education which will happen in 18 - 20 years. My plan is to invest in vanguard ETF - "Vanguard Australian Shares Index Fund(VAS)" with an initial ...
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3answers
2k views

Why does it take 5-7 business days to transfer a brokerage account from Fidelity to Vanguard?

I was looking at the status of a transfer of a brokerage account from Fidelity to Vanguard, and read that it is estimated to take 5-7 business days: Why does it take 5-7 business days to transfer a ...
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3answers
2k 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 ...
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2answers
267 views

Why does Vanguard take over one day to convert after-tax 401(k) to 401(k) Roth within one's plan?

Why does Vanguard take over one day to convert after-tax 401(k) to 401(k) Roth within one's plan? Why isn't it faster, or even immediate? For example, if one initiate the conversion on Saturday noon ...
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2answers
8k views

What happens when you withdraw money from a Vanguard mutual fund?

Say you have $10000 in VTWSX with Vanguard and wish to withdraw $1000 of it. What actually happens when you place this order? Because it's not instantaneous - the shares are sold over the next two ...
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2answers
82 views

How to see the breakdown of purchases vs. profits for a Vanguard Brokerage account?

I can see the purchases vs. returns on the Performance tab in Vanguard but that is for my retirement and brokerage accounts. I'd like to see that breakdown for just my brokerage account. Does anyone ...
4
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1answer
780 views

Building an ETF portfolio: Is it even possible to diversify?

I want to start investing my money. I've decided to invest a monthly fixed amount by buying ETFs. I am currently investigating different ETFs to decide on what my portfolio allocation will look like. ...
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3answers
505 views

Retirement Savings Advice

just a typical financially illiterate American guy here looking for advice on how to make my retirement more financially fit. Soon I will be a U.S. federal government employee and will therefore have ...
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1answer
317 views

How can passive index funds be sustainable at large scale? Won't they affect the indexes they are tracking?

Index funds seem to be gaining popularity these days. So if this trend continues, a sizable amount of investment money might end up in these passive funds. When this happens, won't there be a ...
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2answers
4k 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 ...
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4answers
6k views

What is the difference between these two S&P 500 ETF?

I wanted to invest in the Vanguard S&P 500 ETF which has the ISIN code US9229083632 However I just discovered it is not available in my country. As an alternative I am considering investing in ...
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2answers
330 views

How are Vanguard's ETF's returns higher than the index's growth?

I tried comparing Vanguard's ETF returns to the index the ETF is tracking and it looks like their ETF highly outperformed the index? The S&P/ASX 300 index only grew less than 29% total in 5 years,...
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2answers
2k views

If I buy an index fund right now, how can I estimate the actual price I'll get at the time of execution?

I'm somewhat inexperienced at investing, though I do have existing money in index funds. One piece I don't fully understand is the delay between order and execution and how I can estimate when ...
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5answers
10k 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 ...
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3answers
617 views

Can money work that hard for you?

Yesterday I was thinking about this: Assume you have around 600.000€, and get around 10% to 25% annual return on a fairly aggressive fund investment. Now assume that each year you take out 80.000€ ...
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1answer
96 views

How to only sell shares(index funds) with long term gains after mid year conversion to vanguard admiral class?

I've never sold in a taxable account before so please bear with me. I bought VGTSX more than a year ago and then upgraded to admiral class last year(and bought more). Now, I would like to sell some ...
3
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1answer
295 views

Comparing ETFs following the same index

If I want to choose between two ETFs of different issuers following the same index, what are the factors should I consider? For example I want to decide between SCHD of Schwab and Vanguard High ...
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0answers
366 views

Investing in index funds in Cyprus?

I'm currently based in Cyprus and wanted to invest euros into the world's stock markets via index funds with low expense ratios. Research thus far into retail investing options here isn't promising. ...
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1answer
1k views

Indian equivalent of Vanguard S&P 500

I was going through the article - Warren Buffett wins $1M bet made a decade ago that the S&P 500 stock index would outperform hedge funds The name Vanguard is pretty popular even among non US ...
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4answers
509 views

Is there any reason to choose my bank's index fund over Vanguard?

I'm planning on transferring some of the money in my RRSP into an index fund. My bank (CIBC), has a balanced index fund that has 1.2% management expense ratio (https://www.cibc.com/en/personal-banking/...
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3answers
1k views

How can I configure my Vanguard 401(k) account so that the pre-tax 401(k) deferral is always the maximum possible?

How can I configure my Vanguard 401(k) account so that the pre-tax 401(k) deferral is always the maximum possible (e.g., over 18kUSD in 2017, excluding the employer matching)? When I go to the ...
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2answers
3k 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 ...
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1answer
127 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 ...
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3answers
220 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 ...
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1answer
299 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 ...
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2answers
3k 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. ...
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2answers
61 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 $...
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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 ...
6
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1answer
934 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 ...
4
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1answer
231 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 ...
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1answer
1k 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 ...