How many of you invest 100% at Vanguard?

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neomutiny06
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How many of you invest 100% at Vanguard?

Post by neomutiny06 » Wed Dec 28, 2016 1:56 pm

I am close to moving all of my assets to Vanguard. I have a couple of funds at Schwab due to possible doomsday scenarios, but after reading up on it, it looks like there isn't much to worry about by using only one mutual fund family. There are many protections in place.

kosomoto
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Re: How many of you invest 100% at Vanguard?

Post by kosomoto » Wed Dec 28, 2016 2:03 pm

neomutiny06 wrote:I am close to moving all of my assets to Vanguard. I have a couple of funds at Schwab due to possible doomsday scenarios, but after reading up on it, it looks like there isn't much to worry about by using only one mutual fund family. There are many protections in place.


Do you mean taxable funds? Then yes, all my taxable funds are at Vanguard. My 401k is through Schwab.

brad.clarkston
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Re: How many of you invest 100% at Vanguard?

Post by brad.clarkston » Wed Dec 28, 2016 2:04 pm

I have Fidelity and VG accounts handling different parts of the IPS. I've never found a reason to combine them.

letsgobobby
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Re: How many of you invest 100% at Vanguard?

Post by letsgobobby » Wed Dec 28, 2016 2:05 pm

My workplace accounts are at Fido so it is impossible for me.

By choice we have 529s with other providers although we use Vanguard funds in some cases.

I'm a little more comfortable having some assets at 3 or 4 providers, whether it is rational or not. i have no specific fears of Vanguard, just like to diversify. But 60% of my stocks are international so maybe I'm just crazy.

MI_bogle
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Re: How many of you invest 100% at Vanguard?

Post by MI_bogle » Wed Dec 28, 2016 2:14 pm

I would if I could, but I have a hodgepodge of accounts due to the custodians used by my employer. Wife's got two different custodians as well. Kind of a pain

Mike Scott
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Re: How many of you invest 100% at Vanguard?

Post by Mike Scott » Wed Dec 28, 2016 2:19 pm

No. Different providers have different advantages. I would not hesitate to go 100% with Vanguard if they had everything I wanted.

VAslim16
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Re: How many of you invest 100% at Vanguard?

Post by VAslim16 » Wed Dec 28, 2016 2:20 pm

Yeah I'm 100% at Vanguard. My employer doesn't offer any retirement plan so I put everything into VTI and VXUS.

dbr
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Re: How many of you invest 100% at Vanguard?

Post by dbr » Wed Dec 28, 2016 2:21 pm

Do you mean investing in Vanguard funds or keeping one's assets at Vanguard? That is two separate things. It is not even necessarily the case that a person investing at Vanguard invests with Vanguard. I suspect there are quite a few people on the forum who invest nearly 100% with Vanguard and don't hold a penny at Vanguard. Directed brokerage accounts in 401k's allow this even if the plan itself does not have Vanguard funds.

Riverstwo
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Re: How many of you invest 100% at Vanguard?

Post by Riverstwo » Wed Dec 28, 2016 2:22 pm

My 401K is through Merrill Lynch so I do matching there and the rest in Vanguard.

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artthomp
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Re: How many of you invest 100% at Vanguard?

Post by artthomp » Wed Dec 28, 2016 2:24 pm

We are 100% invested at Vanguard except for some accounts at a local bank, our residence, and some farmland my wife inherited.
Art

remomnyc
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Re: How many of you invest 100% at Vanguard?

Post by remomnyc » Wed Dec 28, 2016 2:25 pm

Other than some dfa shares, all my investing is vanguard funds; however, none of my accounts are at Vanguard. Taxable and IRA at Schwab and 401k at Merrill Lynch.

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Re: How many of you invest 100% at Vanguard?

Post by Bungo » Wed Dec 28, 2016 2:31 pm

My non-401k investments are all at Vanguard. The 401k is at Fidelity. I am starting a new job on January 3 and will probably rollover the 401k into my Vanguard IRA, for simplicity and because the 401k investment options are not great, e.g. only one index fund is available.

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Re: How many of you invest 100% at Vanguard?

Post by midareff » Wed Dec 28, 2016 2:33 pm

brad.clarkston wrote:I have Fidelity and VG accounts handling different parts of the IPS. I've never found a reason to combine them.



same here

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Re: How many of you invest 100% at Vanguard?

Post by qwertyjazz » Wed Dec 28, 2016 2:38 pm

Vanguard, Fidelity, DFA and Black Rock
But I would not have any problem being 100% Vanguard. The risks of Vanguard vs adding some percent to Fidelity is far less than other risks. I just find the whole Vanguard is mother; Vanguard is father a little extreme.
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BW1985
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Re: How many of you invest 100% at Vanguard?

Post by BW1985 » Wed Dec 28, 2016 2:41 pm

Yes 100% VG. I've had three 401k's and VG managed all of them. IRA's & taxable also at VG - I like everything in one place.
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Re: How many of you invest 100% at Vanguard?

Post by triceratop » Wed Dec 28, 2016 2:44 pm

I currently invest solely in Vanguard ETFs at Vanguard in an IRA and a taxable account. They were a solid custodian as I started investing and I have few complaints.

For the following 4 reasons I will be moving to Merrill Edge: 1) Vanguard has screwed up my cost basis accounting and takes weeks to resolve the issue, removing the ability to do end of year tax planning 2) Merrill edge is paying me to move my assets there and Vanguard of course does not do this 3) Merrill will allow me more fund options with no commissions (30 free per month) which will be helpful for slicing and dicing as well as for tax loss harvesting 4) credit card preferred rewards there beat the Citi double cash card.

It is prudent for investors to be aware of the deals available on the market for them.
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Re: How many of you invest 100% at Vanguard?

Post by columbia » Wed Dec 28, 2016 2:45 pm

403b is through TIAA.

If folks are skeptical of Vanguard's motives, they should try dealing with TIAA's fees.

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Re: How many of you invest 100% at Vanguard?

Post by betablocker » Wed Dec 28, 2016 2:47 pm

Vanguard is great for your plain vanilla S&P 500 and Total stock market. If you are doing treasuries, I'd just use CDs outside of vanguard. However, if you tilt to value, small, momentum, etc. or want screening for some of those factors, they aren't the optimal choice. I'm not going to say they are terrible but DFA in particular and iShares are much better. I suspect we'll also be talking about AQR more in the future as well.

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Re: How many of you invest 100% at Vanguard?

Post by Atgard » Wed Dec 28, 2016 3:05 pm

I combined everything* into Vanguard for simplicity of management/tracking/taxes. I have zero qualms worrying everything is in one basket, I can't imagine a scenario where Vanguard disappears and takes our assets with it. And if that did happen, it would probably be a calamity on a scale that wiped out all your other accounts too.

I would worry about being totally invested in one asset (like one stock) or even one asset class or sector, but having a diversified portfolio at a single brokerage institution doesn't worry me. Especially when Vanguard is not a speculator that is prone to being wiped out by making some risky financial bet.

* Meaning almost all my investible assets, but not including I-Bonds held directly, checking/savings accounts/CDs, or my HSA.

betablocker
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Re: How many of you invest 100% at Vanguard?

Post by betablocker » Wed Dec 28, 2016 3:07 pm

If you're worried about the going out of business or some other catastrophe, don't. Vanguard has a mutual structure so each fund is separately owned by the share holders. Even if the main part of vanguard went down, the funds would remain.

carguyny
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Re: How many of you invest 100% at Vanguard?

Post by carguyny » Wed Dec 28, 2016 3:10 pm

Vanguard's customer service and inability deal with my firm's compliance requirements made it too painful to have any assets there. I'm owning less and less Vanguard funds these days, so moving everything out wasn't a big deal.

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Re: How many of you invest 100% at Vanguard?

Post by blueberry » Wed Dec 28, 2016 3:18 pm

I have accounts at scottrade, fidelity, tdameritrade, and merrill edge and move money around to play the promo game. Also, I am kind of shopping for the best place to consolidate to when I don't feel like going for promos. I received $4k in promos this year which wouldn't be worth bothering with for a lot of people, but worth it to me especially as a way of getting more money into tax deferred.

I've been happiest with tdameritrade and fidelity customer service.

-bb

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Re: How many of you invest 100% at Vanguard?

Post by leonard » Wed Dec 28, 2016 3:22 pm

All except Wife's 401k.
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Re: How many of you invest 100% at Vanguard?

Post by BHUser27 » Wed Dec 28, 2016 3:25 pm

Joint taxable investment account + his & hers IRAs all at VG.
401(k) not at VG, but not by choice.

dsmil
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Re: How many of you invest 100% at Vanguard?

Post by dsmil » Wed Dec 28, 2016 3:27 pm

I would if I could.

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Re: How many of you invest 100% at Vanguard?

Post by ddunca1944 » Wed Dec 28, 2016 3:30 pm

100% at Vanguard (joint taxabke & each of our IRAs). Retired and trying to Keep It Simple

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Re: How many of you invest 100% at Vanguard?

Post by bloom2708 » Wed Dec 28, 2016 3:34 pm

My company 401k is hosted by Fidelity. Everything else is at Vanguard. If I change jobs, I will roll my 401k to my Rollover IRA at Vanguard.
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bligh
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Re: How many of you invest 100% at Vanguard?

Post by bligh » Wed Dec 28, 2016 3:40 pm

100% with Vanguard. I have money at other brokerages for various reasons, but I hold Vanguard ETFs there.

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BogleMelon
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Re: How many of you invest 100% at Vanguard?

Post by BogleMelon » Wed Dec 28, 2016 3:42 pm

Currently I am 100% Vanguard (roth IRA) since my employer offer no 401K match.
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ByThePond
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Re: How many of you invest 100% at Vanguard?

Post by ByThePond » Wed Dec 28, 2016 3:43 pm

columbia wrote:403b is through TIAA.

If folks are skeptical of Vanguard's motives, they should try dealing with TIAA's fees.


+1
I recently moved all that TIAA would let me over to my VG accounts.

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Re: How many of you invest 100% at Vanguard?

Post by White Coat Investor » Wed Dec 28, 2016 3:43 pm

I actually have four different brokerage accounts:

Vanguard (Roth IRAs, taxable, and individual 401(k)s)
Fidelity (Required for the credit card)
Schwab (401(k)) (Vanguard and Schwab ETFs)
TD Ameritrade (HSA) (Vanguard ETFs)

I'm always amused to see people comparing one to the other. They're all almost exactly equivalent for my purposes (rare purchase or sale of an ETF or mutual fund).

But if I could consolidate it all at Vanguard, I would.
1) Invest you must 2) Time is your friend 3) Impulse is your enemy | 4) Basic arithmetic works 5) Stick to simplicity 6) Stay the course

Van
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Re: How many of you invest 100% at Vanguard?

Post by Van » Wed Dec 28, 2016 3:57 pm

Both my wife and I are 100% Vanguard.

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Sheepdog
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Re: How many of you invest 100% at Vanguard?

Post by Sheepdog » Wed Dec 28, 2016 3:59 pm

Except for I Bonds and a few CDs, everything else is invested at Vanguard and has since 2000.
People should not say everything they think. They should think about everything they say.

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Re: How many of you invest 100% at Vanguard?

Post by dougger5 » Wed Dec 28, 2016 3:59 pm

100% of investments at VG. Includes a small (~$1k) taxable, and a frozen SIMPLE IRA for wife, which we fund through transfers from her work's American Funds SIMPLE IRA plan.
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oldzey
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Re: How many of you invest 100% at Vanguard?

Post by oldzey » Wed Dec 28, 2016 4:01 pm

Currently:
56% TIAA (403b)
44% Vanguard (Roth IRA and Brokerage Account)

No other investment accounts (cash accounts not included).
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Taylor Larimore
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Re: How many of you invest 100% at Vanguard?

Post by Taylor Larimore » Wed Dec 28, 2016 4:05 pm

neomutiny06 wrote:I am close to moving all of my assets to Vanguard. I have a couple of funds at Schwab due to possible doomsday scenarios, but after reading up on it, it looks like there isn't much to worry about by using only one mutual fund family. There are many protections in place.

neomutiny06:

In 1986 we moved all our securities from Merrill Lynch to Vanguard. It was the best financial decision we ever made.

Happy Holidays!
Taylor
"Simplicity is the master key to financial success." -- Jack Bogle

Ron
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Re: How many of you invest 100% at Vanguard?

Post by Ron » Wed Dec 28, 2016 4:09 pm

midareff wrote:
brad.clarkston wrote:I have Fidelity and VG accounts handling different parts of the IPS. I've never found a reason to combine them.

same here

And here...

- Ron

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Sheepdog
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Re: How many of you invest 100% at Vanguard?

Post by Sheepdog » Wed Dec 28, 2016 4:12 pm

Taylor Larimore wrote:

In 1986 we moved all our securities from Merrill Lynch to Vanguard. It was the best financial decision we ever made.

Happy Holidays!
Taylor

,And,Taylor, you are the main reason that I started moving everything to Vanguard in 1999.
People should not say everything they think. They should think about everything they say.

dwickenh
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Re: How many of you invest 100% at Vanguard?

Post by dwickenh » Wed Dec 28, 2016 4:18 pm

Currently 99.66 % Vanguard with joint taxable, 2 roth iras, and 401K with almost all in Vanguard 2010 target fund. The only exception is a small amount in Dodge and Cox Foreign (DODFX) I kept since the fund is now closed. I just can't seem to sell that fund, an attachment of sorts.

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Re: How many of you invest 100% at Vanguard?

Post by Imagolfer2 » Wed Dec 28, 2016 4:21 pm

DW and I have all of our assets with Vanguard. These include Vanguard index funds, active funds and brokerage for other holdings (Primecap, Dodge and Cox and T. Rowe Price)

:sharebeer

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TheTimeLord
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Re: How many of you invest 100% at Vanguard?

Post by TheTimeLord » Wed Dec 28, 2016 4:32 pm

We have 25%-30% of our investments at Vanguard.
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Taylor Larimore
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Re: How many of you invest 100% at Vanguard?

Post by Taylor Larimore » Wed Dec 28, 2016 4:42 pm

Sheepdog wrote:
Taylor Larimore wrote:

In 1986 we moved all our securities from Merrill Lynch to Vanguard. It was the best financial decision we ever made.

Happy Holidays!
Taylor


And,Taylor, you are the main reason that I started moving everything to Vanguard in 1999.

Bogleheads:

These are 12 reasons Sheepdog and I have all our securities with Vanguard:

1. One familiar statement.
2. Less paperwork.
3. Easier tax preparation.
4. Avoidance of low-balance and other small fees.
5. It's much easier to learn only one company's policies, fees, regulations, etc.
6. With larger holdings it may be possible to qualify for lower costs and premium services (Voyager, Admiral, Flagship).
7. Rebalancing and exchanges are easier.
8. A loyal customer is appreciated and usually treated better.
9. Less chance of errors.
10. Knowledge that Vanguard's fine reputation and low-costs are always working for us.
11. More free time for ourselves.
12. In event of death or disability, it will be much easier for others.

Happy New Year.
Taylor
"Simplicity is the master key to financial success." -- Jack Bogle

John Laurens
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Re: How many of you invest 100% at Vanguard?

Post by John Laurens » Wed Dec 28, 2016 4:54 pm

100% Vanguard ETFs. 100% held at TDAmeritrade

Regards,

John

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Re: How many of you invest 100% at Vanguard?

Post by BostonBoy » Wed Dec 28, 2016 4:55 pm

Both my wife and I have all of our stock and bond investments at Vanguard.

djheini
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Re: How many of you invest 100% at Vanguard?

Post by djheini » Wed Dec 28, 2016 5:07 pm

My IRAs are at Vanguard. 401k, HSA and taxable are at Fidelity.

401k because that's up to my employer
HSA because it's better than I've found available from other custodians when balancing fees vs. investment options
Taxable because I was concerned/annoyed by Vanguard's inability to display correct cost basis information on the website. Fidelity seems to have much better technology around tracking all my DCA lots.

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Re: How many of you invest 100% at Vanguard?

Post by Trev H » Wed Dec 28, 2016 5:16 pm

I am 55 and still working... got another 8 years or so to go.

I have at Vanguard...

Taxable, My Roth IRA, Her Roth IRA, a RollOver IRA, and two ESA's for my Kids.

My wife and I both have investments in company plans... that will be rolled to Vanguard when we retire.

The cost of our investments in company plans, are higher - quite a bit compared to Vanguard... thus the move (rollover) when we retire.

We will be 100% with retirement savings at Vanguard then.

Trev H

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Re: How many of you invest 100% at Vanguard?

Post by Dave C. » Wed Dec 28, 2016 5:19 pm

brad.clarkston wrote:I have Fidelity and VG accounts handling different parts of the IPS. I've never found a reason to combine them.



Ditto. Vanguard is my favorite by a nose. But Fidelity piles the customer service so deeply it's hard to let them go.
Easy does it/Live & Let Live/One day at a time. Thanks Bill.

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Re: How many of you invest 100% at Vanguard?

Post by pasadena » Wed Dec 28, 2016 5:20 pm

My Roth IRA and brokerage account are at Vanguard.

401(k) and HSA are not, because that's up to my employer.

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Re: How many of you invest 100% at Vanguard?

Post by oldcomputerguy » Wed Dec 28, 2016 5:24 pm

Workplace 401k is at Fidelity, DW's 401k is at Schwab, and her "play money" account is at Scottrade. But other than her "play money" account, all our taxable is at Vanguard, by choice.
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Re: How many of you invest 100% at Vanguard?

Post by dognose » Wed Dec 28, 2016 5:32 pm

100 percent Vanguard after a few years of paying crazy high fees for virtually no service at Merrill Lynch. When I went to close my account at Merrill -- an account which at that time was worth more than $10 million -- my Merrill account rep said, "I'm sorry, but I'm not familiar with your account." Enough said.

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