S**C
发帖数: 2964 | 1 VWELX is 60/40 and VWINX is 40/60 allocation funds, mostly hold large cap
with value bend especially VWINX. They also mostly hold a lot of corporate
bonds. For a few basis point higher than their relevant index funds,
although not guantanteed, they stand to have a good chance to continue
outperform, in spite of their bloated AUM.
You do know there are thousands of grey between black and white, yes?
Bogleheads typically think the reason why investors use active-managed
vehicles is to beat the mar... 阅读全帖 |
|
d****s
发帖数: 174 | 2 因为投资起步晚，只能把以前银行里的钱投在taxable的账户里面，目前有
VTSAX+VWITX+VTIAX+VTMSX(本来应该买VTXMX的，结果开始买错了，就没改）
目前有个CD快到期，不知是应该按比例分配到上面，还是直接按照Dollar cost
averaging买个blended fund: VWINX 或者 VMELX
我个人感觉是自己的组合cost，tax低，但是VWINX 或者 VMELX可能更稳定--不过cost,
tax都相对高一点。
请指教！谢谢！ |
|
d****s
发帖数: 174 | 3 VTSAX+VWITX+VTIAX+VTMSX(本来应该买VTXMX的，结果开始买错了，就没改）
目前有个CD快到期，不知是应该按比例分配到上面，还是直接按照Dollar cost
averaging买个blended fund: VWINX 或者 VMELX
我个人感觉是自己的组合cost，tax低，但是VWINX 或者 VMELX可能更稳定--不过cost,
tax都相对高一点。
请指教！谢谢！ |
|
M********r
发帖数: 278 | 4 Vanguard Star fund is a great hybrid fund with very low minimum. You can buy
it for as little as $1000. But keep in mind, it's a hybrid fund, ie a
mixture of stocks and bonds, just as the VWINX you currently own (the star
fund has a higher percentage in stocks than VWINX). as such, it won't have a
stellar performance in a bull market as VMRGX, which is a pure growth stock
fund. If you can tolerate the volatility and the risk with a stock fund,
VMRGX is a fine fund, but it may perform badly in a ... 阅读全帖 |
|
l***o
发帖数: 302 | 5 thanks.
What about VWINX and VWELX? Looks nice on the chart. |
|
S**C
发帖数: 2964 | 6 They are very solid balanced fund. VWINX is more conservative than VWELX.
They have, however, limited international exposure. |
|
S**C
发帖数: 2964 | 7 来自主题: Investment版 - PRPFX I like
IVWIX, TGBAX, PAUIX, MAPIX and VWINX |
|
t*m
发帖数: 4414 | 8 say I have 7w emergency funds
5K in my checking
10K in my online saving account (ally)
15K in my ally CDs
10K Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX)
10K in Inflation-Protected Securities Fund Admiral Shares (VAIPX)
10K in short-term bond funds (VBIRX)
5K in Fidelity New Market Bond index funds
5K in Vanguard Wellesley Income Fund Investor Shares (VWINX)
太危险，还是保守了？
谢谢 |
|
t*m
发帖数: 4414 | 9 Say I got 6w cash want to invest long-term (e.g. 20 years)
, and like to buy some stock funds/etf, e.g VEIPX, VIG and VBK
should I
(1) lump sum the 6w to these high risk funds
or (2) load the money to a balanced fund (more stable), eg. VWINX, then move
the money into
stock index funds using dollar-cost-averaging (say in 20 months)?
which way better?
Thanks! |
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y*****g
发帖数: 521 | 10 初来贵宝地，完全新手，请大虾们不吝赐教哈
刚看到隔壁楼有讨论vanguard的ETF和比较。由于我比较菜，有问题也没敢在那楼里问
（主要怕歪了楼），所以新开一贴啦。 问题如下：
1。 隔壁楼主讲（引用下）：总结来说，如果考虑vanguard的话，如果一个基金有ETF
和mutual fund，绝对应该买
ETF,mutual fund基本完败
这是为啥呀？只因为etf可以在一天当中交易儿mutual fund不行么？
2。 如果我打算买上几千刀的，然后放在那半年一年或几年都不动，是不是etf和
mutual fund就没区别了呀？
3。菜鸟中的菜鸟问题： 我买了个vwinx。如果我觉得股市都在跌呢想拿出来半年等我
觉得市场好了再投，是不是就只有把钱又转回我的银行账户了呢？vanguard有提供放现
金不投资的方法么。。
4。传说投资也要交税，如果赚的话。请问这和交易的次数和时间（年初或年底）有关
系么？
5。请问vanguard的mutual fund或ETF有没有类似国内定投的服务？比如按月自动从银
行卡里转一些做投资？
感谢牛牛们看完这堆问题，请多多指教下新手了！不胜感激！ |
|
y*****g
发帖数: 521 | 11 初来贵宝地，完全新手，请大虾们不吝赐教哈
刚看到隔壁楼有讨论vanguard的ETF和比较。由于我比较菜，有问题也没敢在那楼里问
（主要怕歪了楼），所以新开一贴啦。 问题如下：
1。 隔壁楼主讲（引用下）：总结来说，如果考虑vanguard的话，如果一个基金有ETF
和mutual fund，绝对应该买
ETF,mutual fund基本完败
这是为啥呀？只因为etf可以在一天当中交易儿mutual fund不行么？
2。 如果我打算买上几千刀的，然后放在那半年一年或几年都不动，是不是etf和
mutual fund就没区别了呀？
3。菜鸟中的菜鸟问题： 我买了个vwinx。如果我觉得股市都在跌呢想拿出来半年等我
觉得市场好了再投，是不是就只有把钱又转回我的银行账户了呢？vanguard有提供放现
金不投资的方法么。。
4。传说投资也要交税，如果赚的话。请问这和交易的次数和时间（年初或年底）有关
系么？
5。请问vanguard的mutual fund或ETF有没有类似国内定投的服务？比如按月自动从银
行卡里转一些做投资？
感谢牛牛们看完这堆问题，请多多指教下新手了！不胜感激！ |
|
n****u
发帖数: 229 | 12 I am thinking about VWINX. But I am afraid it's too conservative in a long
run. |
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j****y
发帖数: 1714 | 13 You cannot go wrong with:
Vanguard Wellesley Income Investor shares (VWINX)
Vanguard Wellington Fund Investor Shares (VWELX) |
|
n****u
发帖数: 229 | 14 何必这么麻烦
你如果觉得60stock/40bond对你口味，你可以选VBINX(Vanguard Balance Index)，或
者是Life Strategy Moderate Growth.
如果你偏好非Index的， 你可以选VGSTX(vanguard star)或者VWELX
如果你喜欢40stock/60bond，可以选VWINX(非Index mutuan Fund)或者Life Strategy
Conservative Growth.
'l |
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j****y
发帖数: 1714 | 15 A decent one: Vanguard Wellesley Income Fund Investor Shares (VWINX)
1 Year 9.63%
3 Year 12.07%
5 Year 6.03%
10 Year 6.66%
Since Inception 07/01/1970 10.16% |
|
j****y
发帖数: 1714 | 16 Vanguard Wellesley Income Fund Investor Shares (VWINX),
Vanguard Target Retirement Income Fund (VTINX)
5%-12% compound annual return (NOT the misleading average return!), much
better than CD. |
|
S**C
发帖数: 2964 | 17 VWINX lost 10% in 2008, VTINX should lose even more. Not a good place to
park "emergency" money. |
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z********3
发帖数: 179 | 18 我刚开了VWINX，放了2011年的5000到TRADITIANAL IRA账户。
请问我可以再放满我的2012年的TIRA 5000到VTINX里吗？
放到里面是不是就不用我自己打理了？我和LD分开报税，因此只能开TIRA。 |
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M*******s
发帖数: 1210 | 19 若问关于mutual fund怎么算return呢？
在yahoo finance上看到VWINX YTD有 9.63%，但是股价都是23左右啊。。。
没有看到分红之类的消息。
请问这个应该怎么看呢？ |
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n****u
发帖数: 229 | 20 it really depends on how much risk you can take.
i prefer vwinx, solid performance. dropped a little during recession. |
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l******i
发帖数: 1404 | 21 要买balanced fund的话，为什么不买VWINX和VTINX，感觉比VTIVX好啊。 |
|
c******7
发帖数: 439 | 22 lz居然没有vanguard? 我还以为你很推崇vanguard呢
我倒是有vwinx, 也赞同low fee这个观点
因为vanguard是Client owned
Fidelity是Private
T.Rowe Price是Public
我觉得这个是vanguard费用低的原因
boglehead is as independent as you can get
这个我不太知道啊, double check一下lz认同这个名字是从
John C. Bogle来的吧?
举个例子我不知道恰当不恰当
如果你问韩方大战的真相是什么
我跟你说 去百度韩寒贴吧看看去吧
这个显然就有selcetion bias的嫌疑啊
只是提个醒, 我觉得这个网站应该能学不少东西的
纯讨论, don't take it personal
find |
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S**C
发帖数: 2964 | 23 I do not have VWINX, but some VWELX. It is just a piece of my portfolio, my
bond allocation is lower, and bond universe is not just treasury. While
VWELX is pretty much fixed allocation fund, they do change makeup in their
bond sleeve, such as bond duration and sectors, that is why I paid them for. |
|
d****s
发帖数: 174 | 24 我目前才起步，收入也不高，看了一点东西，请专家们指点。谢谢！
这是 Taxable account，已经买了其中一部分。发现这个账户里面想换基金不太方便，
似乎要交钱:
% of Holding Name Stock Industry/
Assets Fund Category
22.64 VTMSX Vanguard Tax-Managed Small Blend
22.64 VTSMX Vanguard Total Stock Large Blend
22.64 VFINX Vanguard 500 Index I Large Blend
22.64 VWITX Vanguard Interm-Term Muni National Interm
9.43 VWINX Vanguard Wellesley I Conservative Allocation
这是Ro... 阅读全帖 |
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t***n
发帖数: 546 | 25 我一般用VTSMX和VEXMX来配平large/med/Small，VTMSX太集中在small cap上了，不是
太好。而且40%的turnover，放在taxable account不好。同理Vanguard Wellesley的
turnover也很高。
和楼上说的一样，VFINX不需要，用VTSMX+VEXMX最好。
VGTSX最好放在taxable account里面，可能有tax exempt，就是在国外交了税的IRS不
再征税。而且应该加大international 的比例。
VWITX是bonds，一定优先放在tax-defer的账上，其次是tax-free，最次是taxable
不是很清楚VWINX的作用是什么。你各种指数基金都有了，不需要这种blend的了吧。
建议 taxable：
VTSMX，VEXMX，VGTSX
IRA
VBIIX 加上VTSMX，VEXMX，VGTSX， 后三种主要用来rebalance
对了，楼主能不能share一下最后总的asset allocation百分比。用morningstar的
instant x-ray就好了。看看最后US/... 阅读全帖 |
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d****s
发帖数: 174 | 26 谢谢楼上两位热心指点！有几个问题不解：
1）Morningstar, Vanguard的建议和两位相似的地方都是Taxable Bond优先放在IRA帐
户里面， 比如VBMFX。 我想问不是Stock return相对更高吗，而且相应的税应该也多
，为什么IRA不以stock为主,按照100-年龄的比例（我理解是这个年龄比例指纯Bond而
不是Bond fund？）
2）对于Wellington 的VWINX，我不太明白SOFC的说法，是指我这种小客户的钱会在震
荡中损失吗？
3）morningstar的instant x-ray我用过，变来变去还没定下来。对于US/
international/Bond/Larg/Med/Small的比例因为不能用少数基金定型才多选了几个，
但是还是不满意。
4) rebalance taxable account的费用是不是就是收益的税？谢谢！
tax? I am talking about munis and tax-managed funds.
with higher volatility. |
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S**C
发帖数: 2964 | 27 I am talking about VWELX not VWINX.
Your AA is about 70/30 from fist glance, light on international, VWELX is 60
-65% stock, 35-40% bond allocation fund, mostly US large cap, light on
international, close to your AA. Not exact, but similar. With its rock solid
management and rock-bottom fees, it is tough to beat for a similar
portfolio using index funds, unless you use different asset mix. And I do
not like US small cap going forward. I will not be surprised at all if
Russell 2000 give negative ... 阅读全帖 |
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F******1
发帖数: 103 | 28 本来想买VWELX + VWINX的组合，但是刚看到 VWELX is closed to new investor. 有
没有什么fund可以replace？ |
|
c******g
发帖数: 2323 | 29 VWELX and VWINX 是同一个经理把，把所有投资教给一个经理不是很安全，二楼的建议
可以听，或者VFICX 换成 VTINX， 更激进一点 |
|
d****s
发帖数: 174 | 30 自己对比了下，VWINX bond为主， VMELX stock为主，在taxable 账户里面，是否后者
应该更合适？谢谢！
cost, |
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d****s
发帖数: 174 | 31 谢谢楼上两位！目前max了Roth+401K. 但是以前还打算回国呢，所以投资包括401都是
后来才买的，银行里自然有余钱。
其实我觉得自己对portfolio没有做严格的控制，就是在开始的时候算了算，然后根据
版上推荐，阅读了一个基本概念知识，就大体stock/bond 60-70/30-40买的。当时SOFC
还推荐了VMELX,不过我已经开始买了上面的，就没有再买。现在就是对于是否坚持自己
定的portfolio有些犹豫，还是省事直接买VWINX 或者 VMELX？ |
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d****s
发帖数: 174 | 32 我没有对每个不同账户分做portfolio,不过ROTH/401里面都是自动投的，所以比例挺好
。Taxable账户里面是时多时少。现在有CD到期才又考虑了。想想坚持自己的选择？-至
少税少，呵呵。我买过几千的VWINX，总是有分红/long term gain什么的。 |
|
d****s
发帖数: 174 | 33 自己对比了下，VWINX bond为主， VMELX stock为主，在taxable 账户里面，是否后者
应该更合适？谢谢！
cost, |
|
d****s
发帖数: 174 | 34 谢谢楼上两位！
其实我觉得自己对portfolio没有做严格的控制，就是在开始的时候算了算，然后根据
版上推荐，阅读了一个基本概念知识，就大体stock/bond 60-70/30-40买的。当时SOFC
还推荐了VMELX,不过我已经开始买了上面的，就没有再买。现在就是对于是否坚持自己
定的portfolio有些犹豫，还是省事直接买VWINX 或者 VMELX？ |
|
d****s
发帖数: 174 | 35 我没有对每个不同账户分做portfolio,不过ROTH/401里面都是自动投的，所以比例挺好
。Taxable账户里面是时多时少。现在有CD到期才又考虑了。想想坚持自己的选择？-至
少税少，呵呵。我买过几千的VWINX，总是有分红/long term gain什么的。 |
|
|
i********g
发帖数: 444 | 37 很久没研究这个了, 都忘了当初帐户里买啥了, 放着一直没管. 今天早上打算把今年的
IRA contribute进去一些, 就去看了下. 瞎, performance实在是差, 没想明白为啥当
初要买个以bond为主的MF. 我买的是VWINX, 一点不符合我年轻人的作风嘛. 去年的
yield才7%, 前年好像也差不多8%的样子, 随便买个指数也轻松beat了. 果断把它换成
以stock为主的MF了. 研究了下, 好像VMRGX还行撒, 大家觉得呢? 或者给推荐几个
vanguard的MF考虑下呀? |
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M********r
发帖数: 278 | 38 the best time to switch to VMRGX form VWINX was early 2009. you have already
missed 250% gain. This is typical buy high sell low. if you strongly
believe bond is not appropriate for young investors as Redsim does, who i
don't agree with, then by all means make the switch as you wish. However i
don't think that is the case for you. You will very likely sell VMRGX in the
future and buy back a bond fund or hybrid fund just for the sake of chasing
performance. I highly recommend reading a few books ... 阅读全帖 |
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f*********7
发帖数: 1040 | 39 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
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h******n
发帖数: 106 | 40 Is it guaranteed or based on optimal estimation?
Usually these products (even from a bigger company) have high fee and 6% is
not guaranteed.
The best vehicle for retirement is Roth IRA. Max out Roth IRA first.
Then traditional IRA/401K.
A simple portfolio of 50% VWINX (40% stock, 60% bond) + 50% VWELX (60% stock
, 40% bond) can beat the 6% return.
You can check their performance at Yahoo finance.
Both of them have long history. |
|
M********r
发帖数: 278 | 41 I am not very familiar with Fidelity funds. Just to give you a few examples
of good balanced funds at Vanguard: VWELX VWINX VBINX VGSTX and their
target date funds. One more suggestion. You really shouldn't just listen to
one guy's opinion when it comes to your personal finance. Read some books. |
|
f*********7
发帖数: 1040 | 42 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
|
x****r
发帖数: 75 | 43 VTHRX 30%
VISGX 30%
VEIEX 17.5%
VWINX 17.5%
VBILX 5%
Thanks, |
|
|
发帖数: 1 | 45 widemouth大牛，我是在vanguard开的户。你说的那两个指数，具体是下面的哪一个啊？
Mutual funds
General attributes
Name (Minimum)Sort TickerSort Asset
ClassSort Fund No. Expense ratio
Federal Money Market ($3,000 minimum) VMFXX Money Market 0033
0.11%
Prime Money Market ($3,000 minimum) VMMXX Money Market 0030
0.16%
Treasury Money Market ($50,000 minimum) VUSXX Money Market
0011 0.09%
California Municipal Money Market ($3,000 minimum) VCTXX Money
Market... 阅读全帖 |
|
