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Learning, Sharing, and Teaching => Investor Alley => Topic started by: CarolinaGirl on November 05, 2018, 01:39:04 PM

Title: Bond allocation in 401k - VIPIX vs VGITT
Post by: CarolinaGirl 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?
Title: Re: Bond allocation in 401k - VIPIX vs VGITT
Post by: jacoavluha on November 05, 2018, 01:56:32 PM
could you post the fund names so we don't have to look them up?
Title: Re: Bond allocation in 401k - VIPIX vs VGITT
Post by: walkwalkwalk on November 05, 2018, 02:19:57 PM
Quote from: jacoavluha on November 05, 2018, 01:56:32 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...
Title: Re: Bond allocation in 401k - VIPIX vs VGITT
Post by: jacoavluha on November 05, 2018, 08:17:13 PM
I’d advise VGITT among those two choices

What are the other bond fund choices?
Title: Re: Bond allocation in 401k - VIPIX vs VGITT
Post by: CarolinaGirl on November 07, 2018, 02:38:31 PM
Quote from: jacoavluha on November 05, 2018, 08:17:13 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%
Title: Re: Bond allocation in 401k - VIPIX vs VGITT
Post by: jacoavluha on November 08, 2018, 08:31:51 PM
Vgitt then
Title: Re: Bond allocation in 401k - VIPIX vs VGITT
Post by: Radagast on November 08, 2018, 08:47:04 PM
My lifetime motto is “when in doubt, do both” and that seems applicable here.
Title: Re: Bond allocation in 401k - VIPIX vs VGITT
Post by: CarolinaGirl on March 03, 2019, 10:55:46 AM
Quote from: Radagast on November 08, 2018, 08:47:04 PM
My lifetime motto is “when in doubt, do both” and that seems applicable here.

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