Maybe too many funds

Have a question about your personal investments? No matter how simple or complex, you can ask it here.
Post Reply
sgmhz
Posts: 3
Joined: Mon Sep 25, 2017 6:44 pm

Maybe too many funds

Post by sgmhz » Fri Oct 06, 2017 6:47 pm

So my after tax account, over the years I have accumulated a bunch of Vanguard funds + ETFs, and a couple of non Vanguard ones.

I wonder if there is any harm in just keeping things the way it is, or combining them will be better. I am pretty into Vanguard's theory of indexing, but even Vanguard is now telling me to get into 50-50 active vs index.

So on the "active" portion, what is a good fund or 2 good funds (maybe one domestic on intl) ?

Over the years I have accumulated (number indicate proportion)
  • Morgan Growth - 1
  • Windsor II - 1
  • Dividend Appreciation - 4
  • HealthCare - 1.5
  • Extended Market ETF - 1
  • QQQ - 2
  • DODFX - 4
Trouble is, I kind of hate to sell + shift to realize capital gains. But I wonder if a reduced fund set will be easier to deal with or not.

Appreciate any input on this.

User avatar
badbreath
Posts: 650
Joined: Mon Jul 18, 2016 7:50 pm

Re: Maybe too many funds

Post by badbreath » Fri Oct 06, 2017 6:56 pm

You will have a large tax on
Morgan Growth - 1
Windsor II - 1
Dividend Appreciation - 4
HealthCare - 1.5

You may want to be more tax efficient.

www.bogleheads.org/wiki/Tax-efficient_fund_placement
“While money can’t buy happiness, it certainly lets you choose your own form of misery.” Groucho Marx

Post Reply