Author Topic: Bond allocation in 401k - VIPIX vs VGITT  (Read 2381 times)

CarolinaGirl

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Bond allocation in 401k - VIPIX vs VGITT
« on: November 05, 2018, 01:39:04 PM »
Hello all!  Looking at my 401k choices for bonds and I’m seeing that I have 2 Vanguard options out of the 4 that my employer offers:

VIPIX - ER .07%
VGITT - ER .03%

Is it really a coin toss or are there reasons to choose one over the other?

jacoavluha

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Re: Bond allocation in 401k - VIPIX vs VGITT
« Reply #1 on: November 05, 2018, 01:56:32 PM »
could you post the fund names so we don't have to look them up?

walkwalkwalk

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Re: Bond allocation in 401k - VIPIX vs VGITT
« Reply #2 on: November 05, 2018, 02:19:57 PM »
could you post the fund names so we don't have to look them up?
Vanguard Inflation-Protected Secs I
&
Vanguard Intermediate-Term Govt Bd ETF
if you don't feel like searching for some reason...

jacoavluha

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Re: Bond allocation in 401k - VIPIX vs VGITT
« Reply #3 on: November 05, 2018, 08:17:13 PM »
I’d advise VGITT among those two choices

What are the other bond fund choices?

CarolinaGirl

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Re: Bond allocation in 401k - VIPIX vs VGITT
« Reply #4 on: November 07, 2018, 02:38:31 PM »
I’d advise VGITT among those two choices

What are the other bond fund choices?

2 other high ER choices:

PIMCO Total Return Port Instl - ER .55%
Western Asset Core Bond CL IS - ER .45%

jacoavluha

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Re: Bond allocation in 401k - VIPIX vs VGITT
« Reply #5 on: November 08, 2018, 08:31:51 PM »
Vgitt then

Radagast

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Re: Bond allocation in 401k - VIPIX vs VGITT
« Reply #6 on: November 08, 2018, 08:47:04 PM »
My lifetime motto is “when in doubt, do both” and that seems applicable here.

CarolinaGirl

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Re: Bond allocation in 401k - VIPIX vs VGITT
« Reply #7 on: March 03, 2019, 10:55:46 AM »
My lifetime motto is “when in doubt, do both” and that seems applicable here.

Thanks for the advice.  That’s exactly what I did.  :)