Search found 5613 matches

by Duckie
Sun May 20, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 18
Views: 979

Re: When to and when not to “reinvest dividend and capital gains”

Should my age play a role on whether I should reinvest the dividends and capital gains in my taxed and tax advantaged accounts? No, age has nothing to do with it. In your tax-sheltered accounts set them up to automatically reinvest all dividends/distributions. There's no reason not to. You can swap...
by Duckie
Sun May 20, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Sub-par options from employer 403b
Replies: 7
Views: 142

Re: Sub-par options from employer 403b

I'm in my mid 20s, starting a new job in a couple months, and it looks like my options at my new 403b aren't optimal. What do you mean? You have some great options: Vanguard Institutional Index 0.04% -- Large caps, 80% of US stocks Vanguard Small-Cap Index 0.04% -- Small caps, 14% of US stocks Vang...
by Duckie
Sun May 20, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: New retirement plan asset allocation
Replies: 3
Views: 243

Re: New retirement plan asset allocation

Why get FI out of rIRA? I thought they are Tax Inefficient. In general it's better to put assets with higher expected growth (stocks) in Roth accounts and assets with lower expected growth (bonds) in pre-tax accounts. That's because you've already the paid the taxes in the Roth accounts so future g...
by Duckie
Sun May 20, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 7
Views: 699

Re: Portfolio review

You have listed BlackRock U.S. Debt Index with an expense ratio of 0.40%. I would have expected that to be 0.04%. Please check, because that should be a cheaper fund than the Fixed Income Fund You are right. Its 0.04% In that case use U.S. Debt Index in his 401k. She no longer works in Federal. Can...
by Duckie
Sun May 20, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 28
Views: 2552

Re: brokerage account conversion

In the break down we've discussed above, where is the ROTH accounted for by % in the total portfolio? Until you do the Backdoor Roth IRA method for 2018, the Roth IRAs are at 0%. Between the two of us, we have about $50K in TRIAs right now. Should all of these funds be converted to the ROTH? I incl...
by Duckie
Sun May 20, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis (Rebalancing Inherited Accounts)
Replies: 4
Views: 279

Re: Portfolio Analysis (Rebalancing Inherited Accounts)

What are the options (fund names, ticker symbols, plan expense ratios) in the 401k? Are you not a fan of the Target-Date funds through Vanguard? I like the target-date funds. But once you have a taxable account earmarked for retirement, using balanced funds (funds with both stocks and bonds) like t...
by Duckie
Sat May 19, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis (Rebalancing Inherited Accounts)
Replies: 4
Views: 279

Re: Portfolio Analysis (Rebalancing Inherited Accounts)

fitzgza , welcome to the forum. I’m thinking of breaking this into two stages: 1) simply rebalance using the funds in STR and then 2) (slowly) work on swapping out the individual stocks for index funds as I’m currently a little overwhelmed with the prospect (and tax implications) of attempting to s...
by Duckie
Sat May 19, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 7
Views: 699

Re: Portfolio review

Age: 29, Wife’s Age: 29 Desired Asset allocation:75% stocks / 25% bonds Desired International allocation:30% of stocks That breaks down to 52% US stocks, 23% international stocks, and 25% bonds which is reasonable for your ages. Funds available in his 401(k) The best options are: Blackrock U.S. Equ...
by Duckie
Sat May 19, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Can which brokerage you choose for your accounts be a risk?
Replies: 11
Views: 1101

Re: Can which brokerage you choose for your accounts be a risk?

I have an existing IRA (I was presented the option to take a lump sum for a pension (wasn't much per month with the pension, so took the lump sum)). Should I keep that separate from any other IRA contributions, especially since I am above the IRA pre-tax deductions due to my income? You are allowed...
by Duckie
Sat May 19, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Want to make sure I understand employer/personal allocation choices
Replies: 7
Views: 597

Re: Want to make sure I understand employer/personal allocation choices

AcademicInvestor wrote:The match goes into the same pre-tax 403b I described above, not the voluntary account.
Employer matches are always pre-tax.
TropikThunder wrote:The 24% bracket doesn't start until $82,500.
:oops: You're right. For some reason I was thinking it stopped at $82,500.
by Duckie
Fri May 18, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Want to make sure I understand employer/personal allocation choices
Replies: 7
Views: 597

Re: Want to make sure I understand employer/personal allocation choices

I'll be in the 22% bracket now (gross salary is in the mid-60s). If your gross salary is in the mid-60s it's unlikely your income after the standard deduction will be below $38,700, especially since you're contributing to Roth accounts, not pre-tax accounts which would lower your taxes. To me it lo...
by Duckie
Fri May 18, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Possibilities after Roth and 401k max
Replies: 15
Views: 2109

Re: Possibilities after Roth and 401k max

I'm curious about why it's better for lower expected growth funds e.g. bonds to be in pre-tax accounts. Could you explain the idea behind that? The reason is because you've already the paid the taxes in the Roth account so future growth is tax-free and stocks have the potential to grow a lot more t...
by Duckie
Fri May 18, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 28
Views: 2552

Re: brokerage account conversion

We'd like to follow the plan you laid out below but are wondering if your suggestion would change based on the 70/30 split and if the fund recommendations would also change. If you change the AA from 80% stocks, 20% bonds, with 25% of stocks in international (60/20/20) to 70% stocks, 30% bonds, wit...
by Duckie
Thu May 17, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a recent US immigrant
Replies: 18
Views: 1131

Re: Advice for a recent US immigrant

generallyspeaking wrote:I'm looking at the following for my investments going forward:
Your AA is 90/10. You already have over 35% of your retirement assets in fixed income. Put VTIAX in your 401k plans instead of the target-date funds.
by Duckie
Thu May 17, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a recent US immigrant
Replies: 18
Views: 1131

Re: Advice for a recent US immigrant

Buying Schwab funds are free, but I understand there are costs for buying the Vanguard Funds and ETFs. Based on this would you recommend I just use Schwab and buy the Schwab funds? If you use Schwab don't buy Vanguard. Go with the broad market index funds/ETFs such as SWTSX/SCHB for total US stock,...
by Duckie
Thu May 17, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Re-Balancing in Tax-Advantaged Accounts
Replies: 4
Views: 324

Re: Portfolio Re-Balancing in Tax-Advantaged Accounts

Does it make a difference in what account I do the exchanges (Traditional IRA, Roth, SEP, or 401K)? In general it's better to put assets with higher expected growth (stocks) in Roth accounts and assets with lower expected growth (bonds) in pre-tax accounts. That's because you've already the paid th...
by Duckie
Thu May 17, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?
Replies: 12
Views: 508

Re: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?

Based on my research on this forum and elsewhere, I think my best option may be to: (1) continue contributing to the SEP for 2018, (2) wait until 2019 and open a Solo 401(k) with Fidelity (Schwab, Vanguard, etc. are not options for me), (3) close the SEP in 2019 and roll the funds over to the Solo ...
by Duckie
Thu May 17, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about self-managing my account
Replies: 25
Views: 1390

Re: Thinking about self-managing my account

VTIAX - Vanguard Total International Stock Index Fund Admiral Shares 20% VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares 40% VBTLX - Vanguard Total Bond Market Index Fund Admiral Shares 20% Actually the above are the admiral shares for capturing the three core areas. Anyone see an iss...
by Duckie
Thu May 17, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Want to make sure I understand employer/personal allocation choices
Replies: 7
Views: 597

Re: Want to make sure I understand employer/personal allocation choices

AcademicInvestor , welcome to the forum. Tax Bracket: 25% Federal Tax brackets have changed. Are you in the 24% or 22% bracket now? Desired AA: 90/10 Only 10% bonds is a little aggressive for age 31 even if you plan to work into your 70s. International: 30-40% Vanguard has found between 20% and 40%...
by Duckie
Thu May 17, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a recent US immigrant
Replies: 18
Views: 1131

Re: Advice for a recent US immigrant

Doing the rebalancing in a tax sheltered account makes sense, but the vast majority of my contributions will be in my taxable account. I guess one way around it is to rebalance when I put in additional funds (I normally make monthly deposits) - in addition to your money market suggestion. That work...
by Duckie
Wed May 16, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 28
Views: 2552

Re: brokerage account conversion

I've created a complex excel chart outlining taxable, employer sponsored, and IRA options but I'm getting hung up in the % allocation needed in each portion of the portfolio to achieve the desired blend. And then what is the desired blend for a family of our age (38yo parents of two kids 3 and 1 ye...
by Duckie
Wed May 16, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a recent US immigrant
Replies: 18
Views: 1131

Re: Advice for a recent US immigrant

What brokerage account should I use? Vanguard, Fidelity, or Schwab. Are there any differences/advantages? They all have decent low-cost index funds. I prefer Vanguard. Fidelity and Schwab have local offices. Since this is a taxable account choose a total US stock market index fund and/or a total in...
by Duckie
Wed May 16, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion
Replies: 4
Views: 566

Re: Roth Conversion

Is there any better way of getting that money into our Roth IRAs through the backdoor method than just converting it and paying the taxes on the approximately $8k?(solidly in 24% bracket) Yes. Is rolling only the amount greater than our basis into each of our 401k accounts a legal and better option...
by Duckie
Wed May 16, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a recent US immigrant
Replies: 18
Views: 1131

Re: Advice for a recent US immigrant

generallyspeaking , welcome to the forum. What brokerage account should I use? Vanguard, Fidelity, or Schwab. What funds or fund of funds should I invest in? Since this is a taxable account choose a total US stock market index fund and/or a total international stock index fund. Put your bonds in ta...
by Duckie
Tue May 15, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Financial review - early 80’s/late 70’s - $1.8m assets
Replies: 1
Views: 535

Re: Financial review - early 80’s/late 70’s - $1.8m assets

amandd , welcome to the forum. Her IRA(1.5%) at Ameriprise Plan is to liquidate this account by focusing all her annual RMDs from this account until empty. Cash to be transferred to taxable, then invested per AA. How soon before this is empty? If longer than two years rolling to her TIRA at Vanguar...
by Duckie
Sun May 13, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Asset liquidation
Replies: 3
Views: 522

Re: Asset liquidation

What would be the best way for us to receive the money incurring the least amount of burden? Could we receive 14K each as gift each year and not worry about tax? Me and wife are considered US residents for tax purposes & daughter is a US citizen My daughter has a 529 as well It reads like the four ...
by Duckie
Sat May 12, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Just started a summer job. Should i start using them for their 401k?
Replies: 27
Views: 1697

Re: Just started a summer job. Should i start using them for their 401k?

With Vanguard, I already have a nonretirement account. Can I link up both of my accounts for convenience? I'm not sure what you mean by "link up". Both the taxable account and the Roth IRA will show up on your list of accounts screen. Ill need a 2nd account for the targeted roth ira correcT? Yes, y...
by Duckie
Sat May 12, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Just started a summer job. Should i start using them for their 401k?
Replies: 27
Views: 1697

Re: Just started a summer job. Should i start using them for their 401k?

IN the two links you sent me, which one should i start up the rothIRA from? Want to make sure I get the right one so i dont screw myself over! The first link gets you to a page where you can begin the new account process. It's a process and you can back out if you want. The second link discusses th...
by Duckie
Sat May 12, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth planning, rollover Traditional IRA into 401k
Replies: 6
Views: 446

Re: Backdoor Roth planning, rollover Traditional IRA into 401k

smartgroup wrote:Probably for a US stock allocation that reflects the US stock market. What would be the recommended percentages FSCRX, FSEVX& FSCRX?
80% FXSIX, 20% FSEVX, 0% FSCRX. Or in your portfolio -- 48% FXSIX, 12% FSEVX.
by Duckie
Sat May 12, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Just started a summer job. Should i start using them for their 401k?
Replies: 27
Views: 1697

Re: Just started a summer job. Should i start using them for their 401k?

Is it difficult to start a rothira through vanguard? I have a nonretirement account with them now and I like their layout and its easy to use. Would i be able to simply start a rothIRA? You can open a Roth IRA online. See here . Also ive only worked 3 weeks this year so far, so couldnt i just put i...
by Duckie
Sat May 12, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question:Brokerage Acct
Replies: 9
Views: 593

Re: Newbie question:Brokerage Acct

I currently have several Vanguard Accounts set up- all tax advantaged. Roth IRA, Traditional IRA, Roll Over IRA, My wife also has a roll-over IRA. I am also in the process of possibly moving over a managed IRA account that I have with an advisor. You have a TIRA and a Rollover IRA. One of them woul...
by Duckie
Sat May 12, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 698

Re: Newbie Investor - Help needed with AA / Rebalance

The only downside would be having to sell half of the VTSAX in taxable to exchange for the Total International. This would result in capital gains. Would you still do it if it meant having to pay a few $K in taxes? To avoid selling in taxable you could put just the 18% cash into VTIAX and in the TS...
by Duckie
Fri May 11, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie With 457 Plan Options ?'s
Replies: 16
Views: 1040

Re: Newbie With 457 Plan Options ?'s

2BAMS , welcome to the forum. Nationwide The better options are: Nationwide S&P 500 Index Fund 0.42% -- Large caps, 80% of US stocks Nationwide Mid Cap Market Index Fund 0.69% -- Mid caps, 6% of US stocks Nationwide Small Cap Index Fund 0.68% -- Small caps, 14% of US stocks Nationwide International...
by Duckie
Fri May 11, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 698

Re: Newbie Investor - Help needed with AA / Rebalance

So basically, I am trying to allocate 50/50 U.S./International, and take out bonds from the Roth IRA. So just go with total international only in the IRA? Then titrate TSP to keep 50/50 allocation. Then add Muni MM to fill that bucket 20%? Okay, ignoring the 50% Cash portion, with an AA of 40/40/20...
by Duckie
Thu May 10, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 698

Re: Newbie Investor - Help needed with AA / Rebalance

I think I would like to use a portion of the cash reserve to "fill" the 20% bonds portion of the portfolio. So how much of the 50% cash would you add to the 50% portfolio? Currently the 50% portfolio is broken up into: Taxable (40%) Non-taxable (60%) Roth IRA (12%) TSP (30%) "Bond/cash" (18%) How w...
by Duckie
Thu May 10, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis method locked in on transfer?
Replies: 2
Views: 210

Re: Cost basis method locked in on transfer?

jym , welcome to the forum. Was I wrong to think a cost basis method election could wait until the first sale? Or was it the transfer itself that was a point of no turning back? It looks like it was the transfer. Here is a post by celia that covers "upgrading" from the original mutual fund side to ...
by Duckie
Thu May 10, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor - Help needed with AA / Rebalance
Replies: 8
Views: 698

Re: Newbie Investor - Help needed with AA / Rebalance

Cash: 50% Equities: 50% <snip> Taxable (40% of equities) Non-taxable (60% of equities) <snip> Given the above, how would you restructure my portfolio? I'm not clear on things. Is the 50% taxable cash part of the retirement portfolio or does it have another purpose, e.g. your real estate cash reserv...
by Duckie
Tue May 08, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Mail Check or Wire Funds from Vanguard IRA fund to Bank IRA CD??
Replies: 14
Views: 857

Re: Mail Check or Wire Funds from Vanguard IRA fund to Bank IRA CD??

Cashing out at Vanguard and transferring the cash is what I wanted to do. For some reason, Ally seemed to say that wasn't possible without making the funds count toward my 2018 Roth IRA contributions (which makes no sense to me.) By cash out I think inbox788 means sell the 2020 fund inside the Roth...
by Duckie
Tue May 08, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with AA 401k and roth ira
Replies: 3
Views: 379

Re: Help with AA 401k and roth ira

Find out what type of international index fund this is It is International index fund/global all cap ex-us index with the portfolio: Global all cap ex-us means it is a total international fund. That's a great international option in his 401k. His Roth IRA at Vanguard -- $6.5K -- 3% 3% ( VTSMX ) Van...
by Duckie
Mon May 07, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Best places for 401k green soldiers!
Replies: 11
Views: 1102

Re: Best places for 401k green soldiers!

Age: 31 Desired asset allocation: 85-90% stocks and 10-15% bonds (I’m not set on this at all) At your age an AA of 80/20 would be suitable. Available funds: The best options are: Vanguard institutional 500 index 0.013 -- Large caps, 80% of US stocks American fund Euro pacific gr (rergx) 0.50 -- Goo...
by Duckie
Mon May 07, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio. Please Help me to select Funds.
Replies: 18
Views: 1448

Re: New Investor Portfolio. Please Help me to select Funds.

abcd12345 wrote:Why REITs in Roth IRA? My guess is because they act like stocks.
REITs are stocks. Because they kick out a lot of non-qualified dividends REITs should never be held in a taxable account.
by Duckie
Sun May 06, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Newsletters
Replies: 8
Views: 1555

Re: Vanguard - Newsletters

abuss368 wrote:My question is how many folks read these newsletters? If you read them, do you save them or ever refer to them again?
I am subscribed to In the Vanguard and receive it every two weeks via email. I read the articles but don't save them.
by Duckie
Sun May 06, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds - Large CAP Funds
Replies: 4
Views: 343

Re: Mutual funds - Large CAP Funds

I saw SWPPX and TRBCX had decent returns. SWPPX-500 Index has an expense ratio of 0.03% and TRBCX-Blue Chip Growth has 0.72%. Costs matter. If you're going with Schwab choose SWPPX or SWTSX-Total Stock Market (also 0.03%). I wanted to explore VANGUARD (but apprently for resident alien - I could not...
by Duckie
Sun May 06, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 40
Views: 3472

Re: Investment Checkup

His 457 (don't think there's a Roth option) The better options are: Great-West S&P 500 Index Fund 0.54% Vanguard Mid Cap Index 0.05% Vanguard Small Cap Value Index 0.07% Invesco Corporate Bond 0.47% Her 457 (roth available) and his 401k: The best options are: PERAdvantage U.S. Large Cap Stock Fund ...
by Duckie
Sat May 05, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 40
Views: 3472

Re: Investment Checkup

What are your thoughts on using up that 70k in savings by fully contributing to my work's 457? I'm not a fan of mortgage debt but in your case I'd use the money to add to the tax-sheltered accounts. Is the 457b at your job a government 457b plan? I'd probably use the Roth 457b option. The 500 Index...
by Duckie
Sat May 05, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or Traditional IRA for us ?
Replies: 16
Views: 1087

Re: Roth IRA or Traditional IRA for us ?

My wife has an IRA rollover account from a previous job. Can she contribute to that every year, or are rollover IRAs considered "locked" ? She is allowed to make contributions to her Rollover IRA but she really shouldn't. If she is planning on deductible contributions she should open a Traditional ...
by Duckie
Sat May 05, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: advice for 100k allocation
Replies: 2
Views: 301

Re: advice for 100k allocation

investadvice , welcome to the forum. Does it make sense to sell VWENX from IRA and replace with VBTLX in the IRA account? Then , buy VTSAX in the taxable account? Yes. In taxable you should sell (carefully, taking taxes into account) DODBX because of the taxable bonds and VDIGX because of the taxab...
by Duckie
Sat May 05, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Crossfit my portfolio
Replies: 7
Views: 541

Re: Crossfit my portfolio

lowfi , welcome to the forum. Age: 50 <snip> Desired Asset allocation: ??? Desired International allocation: ??? I recommend an AA of 60% stocks, 40% bonds, with 30% of stocks in international. That breaks down to 42% US stocks, 18% international stock, and 40% bonds. Taxable 14% Pentagon Federal C...
by Duckie
Sat May 05, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with AA 401k and roth ira
Replies: 3
Views: 379

Re: Help with AA 401k and roth ira

He 53, she 43 <snip> Desired AA: not sure Desired International allocation: not sure At your ages I recommend an AA of 65% stocks and 35% bonds. I also recommend 30% of stocks in international. That breaks down to 45% US stocks, 20% international stocks, and 35% bonds. Available funds in his 401k: ...
by Duckie
Sat May 05, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio. Please Help me to select Funds.
Replies: 18
Views: 1448

Re: New Investor Portfolio. Please Help me to select Funds.

(VBTLX) Vanguard Total Bond Market Index Fund Admiral Shares (0.05%) vs (DFIGX) DFA Intmd Govt FxdInc Inst , 0.12% As previously mentioned DFIGX covers a lot more than GNMA. Any thoughts between these two? which one would be better choice? VBTLX is better than DFIGX but you didn't mention VBTLX as ...