Author Topic: Vanguard fund question, check my assumption  (Read 3870 times)

NoStacheOhio

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Vanguard fund question, check my assumption
« on: December 10, 2015, 06:50:08 AM »
This should be fairly simple. I have access to a couple Vanguard funds in my 403b, but not VTSAX.

Does 75% VINIX/25% VIEIX approximate VTSAX?

Thx

Scandium

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Re: Vanguard fund question, check my assumption
« Reply #1 on: December 10, 2015, 07:03:59 AM »
My 401k is the same. When I checked it was 80/20 S&P 500 and extended market = VTSAX. But your numbers are probably as accurate as mine.

johnny847

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Re: Vanguard fund question, check my assumption
« Reply #2 on: December 10, 2015, 07:11:46 AM »
For questions like this you can use Morningstar's X ray tool

EDIT: Link was broken
« Last Edit: December 10, 2015, 08:34:04 AM by johnny847 »

NoStacheOhio

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Re: Vanguard fund question, check my assumption
« Reply #3 on: December 10, 2015, 07:26:43 AM »
For questions like this you can use Morningstar's [ur=http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspxl]X ray tool[/url]

Excellent, thank you.

That link is broken, but here's a good one: http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx

NoStacheOhio

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Re: Vanguard fund question, check my assumption
« Reply #4 on: December 10, 2015, 07:35:58 AM »
My 401k is the same. When I checked it was 80/20 S&P 500 and extended market = VTSAX. But your numbers are probably as accurate as mine.

For the record, you're correct. 80/20 is closer to a total market index.

FerrumB5

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Re: Vanguard fund question, check my assumption
« Reply #5 on: December 10, 2015, 07:42:43 AM »
Great tool! Will also need it as my new 401k doesn't have VTSAX as well. How does one compare this "mix" with an existing index or another mix? I made a mock up 80/20 based on the above two, but I don't see the "compare" button. Thanks!

NoStacheOhio

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Re: Vanguard fund question, check my assumption
« Reply #6 on: December 10, 2015, 07:56:24 AM »
Great tool! Will also need it as my new 401k doesn't have VTSAX as well. How does one compare this "mix" with an existing index or another mix? I made a mock up 80/20 based on the above two, but I don't see the "compare" button. Thanks!

I just opened another tab and plugged in 100% VTSAX, then went back and forth to compare the two. There's probably a better way to do this.

johnny847

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Re: Vanguard fund question, check my assumption
« Reply #7 on: December 10, 2015, 08:35:51 AM »
Great tool! Will also need it as my new 401k doesn't have VTSAX as well. How does one compare this "mix" with an existing index or another mix? I made a mock up 80/20 based on the above two, but I don't see the "compare" button. Thanks!

I just opened another tab and plugged in 100% VTSAX, then went back and forth to compare the two. There's probably a better way to do this.

Yeah you'd think a better way exists, but I haven't found one =/. I too just use the 2 tab method.


For questions like this you can use Morningstar's [ur=http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspxl]X ray tool[/url]

Excellent, thank you.

That link is broken, but here's a good one: http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx
Haha oops.

FerrumB5

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Re: Vanguard fund question, check my assumption
« Reply #8 on: December 10, 2015, 08:44:34 AM »
How do you compare them? What numbers are particularly important? I guess, at least % in the CAP-GROWTH for both mix and VTSAX. What else? Would be great to have an overlaid graph of two portfolios

NoStacheOhio

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Re: Vanguard fund question, check my assumption
« Reply #9 on: December 10, 2015, 08:54:00 AM »
How do you compare them? What numbers are particularly important? I guess, at least % in the CAP-GROWTH for both mix and VTSAX. What else? Would be great to have an overlaid graph of two portfolios

I was looking at the sector allocations mostly.

johnny847

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Re: Vanguard fund question, check my assumption
« Reply #10 on: December 10, 2015, 08:56:08 AM »
How do you compare them? What numbers are particularly important? I guess, at least % in the CAP-GROWTH for both mix and VTSAX. What else? Would be great to have an overlaid graph of two portfolios

I was looking at the sector allocations mostly.

Yup. I look at sectors and also the 9 box - the 3x3 box of valuation and size.
And for comparing international funds, I also look at countries.

FerrumB5

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Re: Vanguard fund question, check my assumption
« Reply #11 on: December 10, 2015, 08:59:55 AM »
Thanks!
to OP - sorry for hijacking your thread - trying to minimize servers load :)

I have following Vanguard options: VIMAX, VFIAX, VSMAX, VTIAX.
Looking at smth like 1) 70/15/15 VFIAX/VIMAX/VSMAX or 2) up to 10% VTIAX and 65% VFIAX.
Suggestions?

AdrianC

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Re: Vanguard fund question, check my assumption
« Reply #12 on: December 10, 2015, 02:46:28 PM »
Funny story: My wife had the choice of VFINX and VEXMX in her tax-deferred account. I read that VEXMX was a "completion index" so I put her 50% in each. 15 years later, I find out it should have been 80/20...lucky for us VEXMX outperformed by 3% a year :-)

NoStacheOhio

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Re: Vanguard fund question, check my assumption
« Reply #13 on: December 11, 2015, 05:46:08 AM »
Thanks!
to OP - sorry for hijacking your thread - trying to minimize servers load :)

I have following Vanguard options: VIMAX, VFIAX, VSMAX, VTIAX.
Looking at smth like 1) 70/15/15 VFIAX/VIMAX/VSMAX or 2) up to 10% VTIAX and 65% VFIAX.
Suggestions?

Hijack away! I don't mind.

Option one seems like you're leaning toward mid and small caps. If you want a market cap allocation, it looks like you need 75-80% large caps.

Edit: Just found this, which may be helpful https://www.bogleheads.org/wiki/Approximating_total_stock_market

It appears 81/4/15 gives you total market index for Vanguard. They're different symbols, but I think it's just the share class.
« Last Edit: December 11, 2015, 05:48:28 AM by NoStacheOhio »