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

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

Postby WEL » Sat Aug 31, 2013 12:07 pm

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 1:32 pm, edited 4 times in total.
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Re: Which of These 3 Funds for Roth 401(k)?

Postby tyler_cracker » Sat Aug 31, 2013 12:13 pm

please post fund names and ERs.

your link doesn't work for me.
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Re: Which of These 3 Funds for Roth 401(k)?

Postby WEL » Sat Aug 31, 2013 12:20 pm

4th fund added! I overlooked it before since it's not a VG Fund.
Last edited by WEL on Sat Aug 31, 2013 1:31 pm, edited 1 time in total.
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Re: Which of These 3 Funds for Roth 401(k)?

Postby tyler_cracker » Sat Aug 31, 2013 12:35 pm

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

Postby dickenjb » Sat Aug 31, 2013 3:43 pm

VINIX. You don't say but I trust you own some fixed income somewhere.
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Re: Which of These 3 Funds for Roth 401(k)?

Postby gvsucavie03 » Sat Aug 31, 2013 3:51 pm

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

Postby grabiner » Sat Aug 31, 2013 5:34 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.
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Re: Which of These 3 Funds for Roth 401(k)?

Postby joe8d » Sun Sep 01, 2013 12:38 am

No Bond Funds? Do you have a T-401k option with bond offerings?
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Re: Which of These 3 Funds for Roth 401(k)?

Postby WEL » Tue Sep 03, 2013 8:27 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.
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Re: Which of These 3 Funds for Roth 401(k)?

Postby Toons » Tue Sep 03, 2013 8:42 pm

VINIX :happy
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