The Money Mustache Community

Learning, Sharing, and Teaching => Investor Alley => Topic started by: gnorx on February 21, 2017, 11:07:23 AM

Title: Getting Started
Post by: gnorx on February 21, 2017, 11:07:23 AM
I'm sure this has been asked in this forum MANY times already. But I'm too lazy to go digging for it.

I have $10K ready to invest in index funds, right now. Which funds should I buy, and who should I buy them through? And if the funds all are Vanguard, is there any reason NOT to buy them directly through Vanguard?
Title: Re: Getting Started
Post by: VoteCthulu on February 21, 2017, 11:45:48 AM
VTSAX, with Vanguard.

Or even better: Do some research, create an IPS, and follow it.
Title: Re: Getting Started
Post by: Aggie1999 on February 21, 2017, 11:50:14 AM
https://www.bogleheads.org/wiki/Three-fund_portfolio

If the funds are going to not be touched for years then skip the bond portion (IMO).
Title: Re: Getting Started
Post by: gnorx on February 21, 2017, 03:00:11 PM
https://www.bogleheads.org/wiki/Three-fund_portfolio

If the funds are going to not be touched for years then skip the bond portion (IMO).

Okay. How would you divide up the two remaining funds, then? 50/50?
Title: Re: Getting Started
Post by: Aggie1999 on February 22, 2017, 01:15:15 PM
https://www.bogleheads.org/wiki/Three-fund_portfolio

If the funds are going to not be touched for years then skip the bond portion (IMO).

Okay. How would you divide up the two remaining funds, then? 50/50?

I chose a 60/40 split (60 US, 40 international) as this is what the Vanguard managed funds (LifeStrategy, etc) do. Figured they know better than me. Of course you will find others that say most likely US only (VTSAX) will continue performing better than a US/international mix. In the end if you just have $10k to invest then plop it all into VTSAX (i.e. the admiral fund) to get the lower expense ratio (ER).