Which of These 3 Funds for Roth 401(k)?

Have a question about your personal investments? No matter how simple or complex, you can ask it here.

Which of These 3 Funds for Roth 401(k)?

Postby WEL » Sat Aug 31, 2013 11:07 am

I am looking for an equity fund to make up my entire Roth 401(k). Only about $7-8k.

For equities outside my Roth 401(k), my portfolio consists of Vanguard Total Stock Market Admiral and Vanguard Total International Admiral. Which of these three Vanguard funds best compliment my current mix of equities?

My Roth 401(k) selection is pretty limited and these are the only funds available that have broad enough exposure for my liking:

1) Vanguard Inst Index Fund Inst (VINIX) 0.04%

2) Vanguard Russell 1000 Value Inst (VRVIX) 0.08%

3) Vanguard Wellington Fund Admiral (VWENX) 0.17%


4th fund) American Beacon Small Cap Value Fund Class ABSYX (1.01% I had previously overlooked this fun since it's not a Vanguard Fund.

Thanks for your time! :happy

Note: Since I haven't yet reached $10k, VWENX may be off the table for another month or two which is fine, I will buy later if that's the fund I decide.
Last edited by WEL on Sat Aug 31, 2013 12:32 pm, edited 4 times in total.
WEL
 
Posts: 25
Joined: Sat Jun 29, 2013 11:03 am

Re: Which of These 3 Funds for Roth 401(k)?

Postby tyler_cracker » Sat Aug 31, 2013 11:13 am

please post fund names and ERs.

your link doesn't work for me.
User avatar
tyler_cracker
 
Posts: 267
Joined: Sat Dec 03, 2011 2:50 pm
Location: sending out the kicking team

Re: Which of These 3 Funds for Roth 401(k)?

Postby WEL » Sat Aug 31, 2013 11:20 am

4th fund added! I overlooked it before since it's not a VG Fund.
Last edited by WEL on Sat Aug 31, 2013 12:31 pm, edited 1 time in total.
WEL
 
Posts: 25
Joined: Sat Jun 29, 2013 11:03 am

Re: Which of These 3 Funds for Roth 401(k)?

Postby tyler_cracker » Sat Aug 31, 2013 11:35 am

i would buy Vanguard Inst Index Fund Inst (VINIX). if you like, fill out the rest of the us stock market with an extended index or something else in a different account. see http://www.bogleheads.org/wiki/Approxim ... ock_Market
User avatar
tyler_cracker
 
Posts: 267
Joined: Sat Dec 03, 2011 2:50 pm
Location: sending out the kicking team

Re: Which of These 3 Funds for Roth 401(k)?

Postby dickenjb » Sat Aug 31, 2013 2:43 pm

VINIX. You don't say but I trust you own some fixed income somewhere.
Philly Chapter Coordinator
dickenjb
 
Posts: 2941
Joined: Tue Jan 05, 2010 1:11 pm
Location: Philadelphia PA

Re: Which of These 3 Funds for Roth 401(k)?

Postby gvsucavie03 » Sat Aug 31, 2013 2:51 pm

VINIX, definitely
gvsucavie03
 
Posts: 655
Joined: Sat Feb 16, 2013 8:30 am

Re: Which of These 3 Funds for Roth 401(k)?

Postby grabiner » Sat Aug 31, 2013 4:34 pm

SInce you appear not to be a slice-and-dicer (overweighting value), I don't see the point in the Russell 1000 Value, nor in Wellington, which also has a value bias. The institutional index, with its rock-bottom expenses, fits your portfolio well.

If you wind up large-cap heavy because the 401(k) gets too large, you can add Extended Market Index in your IRA, or Tax-Managed Small-Cap in your taxable account; 80% of Institutional Index and 20% of either of these funds approximates the total stock market reasonably well.
David Grabiner
User avatar
grabiner
Advisory Board
 
Posts: 13696
Joined: Tue Feb 20, 2007 11:58 pm
Location: Columbia, MD

Re: Which of These 3 Funds for Roth 401(k)?

Postby joe8d » Sat Aug 31, 2013 11:38 pm

No Bond Funds? Do you have a T-401k option with bond offerings?
All the Best, | Joe
User avatar
joe8d
 
Posts: 3561
Joined: Tue Feb 20, 2007 8:27 pm
Location: Buffalo,NY

Re: Which of These 3 Funds for Roth 401(k)?

Postby WEL » Tue Sep 03, 2013 7:27 pm

Yes, I have more than my age in "fixed income".

@joe8d: I do not know if my employer has a T-401k option but I am not looking for bonds at the present time.

I haven't done my final assessment but I believe I will choose VINIX.
WEL
 
Posts: 25
Joined: Sat Jun 29, 2013 11:03 am

Re: Which of These 3 Funds for Roth 401(k)?

Postby Toons » Tue Sep 03, 2013 7:42 pm

VINIX :happy
"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" –Bruce Lee
User avatar
Toons
 
Posts: 4724
Joined: Fri Nov 21, 2008 10:20 am
Location: Hills of Tennessee


Return to Investing - Help with Personal Investments

Who is online

Users browsing this forum: avburns, Bounca, Carson, IowaFarmBoy, JohnnyB, N52570, Yahoo [Bot] and 63 guests