Author Topic: VINIX versus VTSNX  (Read 960 times)

brellis1vt

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VINIX versus VTSNX
« on: May 27, 2022, 11:39:30 AM »
I have limited options in my 401k (although last year they finally got some low cost funds in it) and have tried to maintained a portfolio of
35% S&P 500 Equivalent
20% Mid Cap
15% Small Cap
25% International

However my only real option is VTSNX.  It's performance has been poor when compared to VINIX; however, that's also the point of diversification.  I know a lot of people believe that you get all the diversity you need in the S&P funds because it includes companies that are exposed to the international economies.  What do you think of the risk/reward of switching and even if the US weakens compared to the rest of the world does holding a percentage in VTSNX help me compared to VINIX?

RWD

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Re: VINIX versus VTSNX
« Reply #1 on: May 27, 2022, 11:53:23 AM »
I have limited options in my 401k (although last year they finally got some low cost funds in it) and have tried to maintained a portfolio of
35% S&P 500 Equivalent
20% Mid Cap
15% Small Cap
25% International
Seems reasonable.

However my only real option is VTSNX.
I can't think of any better international funds.

It's performance has been poor when compared to VINIX; however, that's also the point of diversification.
Yes, past performance doesn't guarantee future returns.

I know a lot of people believe that you get all the diversity you need in the S&P funds because it includes companies that are exposed to the international economies.  What do you think of the risk/reward of switching and even if the US weakens compared to the rest of the world does holding a percentage in VTSNX help me compared to VINIX?
US versus International tends to go in cycles. I don't think dropping International funds after an extended losing streak (relative to US funds) is good timing. But it's impossible to predict the future. Personally I have about 30% of my portfolio in International.

brellis1vt

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Re: VINIX versus VTSNX
« Reply #2 on: June 04, 2022, 07:57:36 AM »
Thanks @RWD .  That was the kick in the pants I needed to stay with my current allocation instead of chasing performance which typically produces negative results.

 

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