What kind of domestic stock index fund do you use?

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Which type of domestic index fund do you invest in?

Poll ended at Tue Mar 09, 2010 3:29 pm

Total Stock Market - this is the only fund I invest in
43
30%
Total Stock Market - this is the only fund I invest in
43
30%
S&P 500 Index - this is the only fund I invest in
2
1%
Combination of Total Stock Market and S&P 500 Index (no small/mid cap)
13
9%
Invest in them all (Total Stock Market, S&P 500, Small/Mid-Cap)
44
30%
 
Total votes: 145

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southerndoc
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What kind of domestic stock index fund do you use?

Post by southerndoc » Fri Jan 08, 2010 3:29 pm

I'm curious if Bogleheads primarily use S&P 500 index, total stock market, small cap, mid cap, etc. index funds.

zeusrock1
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Post by zeusrock1 » Fri Jan 08, 2010 3:45 pm

I use the S&P 500 in my 457 (only descent fund), have TSM in other accounts and also tilt to SCV.

I guess I'm a mixer, but my portfolio isn't as messy as it sounds : )

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CABob
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Post by CABob » Fri Jan 08, 2010 3:53 pm

I'm not sure how to answer the poll or perhaps I misunderstood the choices. I use TSM as my primary domestic stock fund so that was my poll response, but, have added REIT and SCV funds.
Bob

TheEternalVortex
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Post by TheEternalVortex » Fri Jan 08, 2010 4:16 pm

CABob wrote:I'm not sure how to answer the poll or perhaps I misunderstood the choices. I use TSM as my primary domestic stock fund so that was my poll response, but, have added REIT and SCV funds.
++

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southerndoc
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Post by southerndoc » Fri Jan 08, 2010 5:12 pm

CABob wrote:I'm not sure how to answer the poll or perhaps I misunderstood the choices. I use TSM as my primary domestic stock fund so that was my poll response, but, have added REIT and SCV funds.
Should've chosen invest in them all since you hold funds in each category.

It's not a scientific poll. :)

retcaveman
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Post by retcaveman » Fri Jan 08, 2010 7:42 pm

Answered "all." But not in one decision.

First Mutual fund was V500X (1992).

Several years later, established a V rollover IRA and invested in TSM (and others).

Because of 35% Cap Gain in 500, didn't want to exchange to TSM, so added MCX and SCVX.
"The wants of mortals are containers that can never be filled." (Socrates)

retiredjg
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Post by retiredjg » Fri Jan 08, 2010 7:52 pm

I think a lot depends on what is offered in a 401/403/etc. More often than not, that is a 500 index fund.

Triple digit golfer
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Post by Triple digit golfer » Fri Jan 08, 2010 8:03 pm

TSM in my IRA.
500 index in my 401(k).

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DA
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Post by DA » Fri Jan 08, 2010 8:12 pm

Vanguard Total Stock Market Index (VTSMX) in the IRA
Fidelity Spartan Total Market Index (FSTMX) in the 401(K)

Vanguard Large Cap Index (VLACX) in the taxable. Used it to TLH out of VTSMX and never went back. Can't go back now, capital gains have accrued.

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camper
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Post by camper » Fri Jan 08, 2010 8:25 pm

Vanguard TSM Index (VTSMX) Roth
Vanguard SCV Index (VISVX) Roth
Vanguard 500 Index (VIFSX) 457
Vanguard SC Index (VSISX) 457
Vanguard MC Index (VMISX) 457
Vanguard Inst. Index (VINIX) 401a and 403b
Vanguard SC Index (VSCIX) 401a 403b

Will be adding a position to REITS this year in my roth.

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southerndoc
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Post by southerndoc » Fri Jan 08, 2010 8:40 pm

I'm trying to gauge whether to just invest in a total stock market fund or whether I should do 500 and small cap (or total stock and small cap).

RF
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Post by RF » Fri Jan 08, 2010 8:44 pm

I have TR 2035 which essentially TSM

Norris
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Post by Norris » Fri Jan 08, 2010 8:47 pm

TSM and REIT fund are my only domestic stocks.
Life is really simple, but we insist on making it complicated. Confucius

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camper
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Post by camper » Fri Jan 08, 2010 8:49 pm

geekmedic wrote:I'm trying to gauge whether to just invest in a total stock market fund or whether I should do 500 and small cap (or total stock and small cap).
This kinda depends on whether you want to slice and dice or not. By slicing and dicing you tilt to a particular segment of the market (usually small and or value). If you are just starting out and have a relatively small portfolio, it is hard to do because of fund minimums. When you are starting out the most important thing to remember is to save as much as you can and diversify as much as you can. Once your account grows you can slice and dice.

GammaPoint
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Post by GammaPoint » Fri Jan 08, 2010 8:52 pm

I've got some TSM, Small Value, Large Value, Small, and REIT for US domestic. All indexed and all with Vanguard.

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southerndoc
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Post by southerndoc » Fri Jan 08, 2010 8:57 pm

I have enough to slice and dice (now that I'm moving my SEP from Schwab to Vanguard and combining my Schwab rollover with my Vanguard SEP).

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Czilla9000
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Post by Czilla9000 » Fri Jan 08, 2010 9:24 pm

I'm an oddball...

...I use VIG (Vanguard Dividend Appreciation). Index of companies that have raised their dividend every year for at least ten consecutive years.

...that and I use VBR (Vanguard Small Cap Value).

ruud
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Post by ruud » Fri Jan 08, 2010 9:25 pm

TSM, Small Value, REIT (roughly 65/20/15 relative to each other)
"A good plan, violently executed now, is better than a perfect plan next week."

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southerndoc
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Post by southerndoc » Fri Jan 08, 2010 9:33 pm

Here's another question:

Out of the above, which is most tax efficient? TSM, SP500, or small cap?

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camper
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Post by camper » Fri Jan 08, 2010 9:50 pm


sschullo
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Post by sschullo » Fri Jan 08, 2010 9:59 pm

TSM Index
Extended Market Index
Small Cap index
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dkdoy
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Post by dkdoy » Fri Jan 08, 2010 10:07 pm

I use them all, pick the best in our 401k plans. Tilt to SCV in 401k and Roth accounts.

livesoft
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Post by livesoft » Fri Jan 08, 2010 10:10 pm

geekmedic wrote:Here's another question:

Out of the above, which is most tax efficient? TSM, SP500, or small cap?
I think the differences in tax-efficiency among these are practically indistinguishable. TSM would be my vote for most tax-efficient by a hair over SP500 and another hair over small cap.

In theory small cap stocks grow into mid cap and have to be sold out of the small cap index. But there are stocks going the other way to give loss as well. I don't have any data on this, but you can look this stuff up faster than you can read my post. Use morningstar.com and click on the Tax tab.

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Jake46
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Post by Jake46 » Fri Jan 08, 2010 10:43 pm

Equity allocation:
60% FSTVX Fidelity Spartan Total Market Index
40% FSIVX Fidelity Spartan International Index

shawcroft
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Post by shawcroft » Fri Jan 08, 2010 10:51 pm

We use the Total Stock Market Index Fund.....quite pleased with it ( overall)

AllenMass
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Post by AllenMass » Sat Jan 09, 2010 12:17 am

Many companies employ various ways to promote fake penny stocks. The usual penny stock scam are postings about a stock from unknown, fake or misleading press releases issued by the company, spam e-mails and junk faxes that advertise absurd and fake claims, dishonest newsletter writers who support a stock for a fee, paid posters, or foreign buyers all in attempt to drive up the share price while the insiders sell.

amplifier
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Post by amplifier » Sat Jan 09, 2010 1:08 am

geekmedic wrote:I'm trying to gauge whether to just invest in a total stock market fund or whether I should do 500 and small cap (or total stock and small cap).
hi geekmedic

I only have a s&p 500 index in my 401k, so I complete it with vexmx in my roth at vanguard. it's working out so far.

if I had a total market at low cost I may have done that, but didn't. I believe if you check out william bernstein's intelligent asset allocator, he recommends splitting the two in that book. I think if you buy the total market though you'll still be ok.

Trev H
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Post by Trev H » Sat Jan 09, 2010 7:47 am

My general equity is evenly split between US & International, Large & Small, Market & Value.

Goals - Simplicity, Global, 3 Factor - Diversification

It can be accomplished with 4 equity funds at Vanguard

IRA version

25% Large Cap Index
25% Small Value Index
25% International Value (Intl Large Value including EM)
25% FTSE X-US (Intl Small Market including EM)

If investing in taxable you would change to more tax efficient ETF version...

25% VV
25% IJS
15% EFV
10% VWO
25% VSS


Why ask about Domestic Equity indexes only ?

Others available at Vanguard...

Euro ?
Pacific ?
EM ?
X-US Large ?
X-US Small ?


Anyway my US Equity is evenly split between US Large Market and US Small Value.

1 Beta, 2 Size, 3 Price - simple and 3 factor diversification.

===

Bharat
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Post by Bharat » Sat Jan 09, 2010 8:09 am

S&P 500, 400 (Mid size), TSM, SCV
Everything that you own, owns piece of you.

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Fletch
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Post by Fletch » Sat Jan 09, 2010 8:13 am

Mainly only TSM. I use S&P 500 index only when tax loss harvesting.
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The Dude Abides
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Post by The Dude Abides » Sat Jan 09, 2010 11:01 am

Czilla9000 wrote:I'm an oddball...

...I use VIG (Vanguard Dividend Appreciation). Index of companies that have raised their dividend every year for at least ten consecutive years.

...that and I use VBR (Vanguard Small Cap Value).
I would like to hear more about this. What are people's thoughts. Dividends, at least conceptually, are more appealing to me than over-relying on price gains. I just finished reading the Four Pillars of Investing, and from my understanding, Bernstein contends that stocks paying high dividends (growth) tend to be over-priced, so maybe its a wash in the end. But this idea of consistent growth through regular earnings, compounded into additional shares, is very, very appealing from a conceptual level! (perhaps it insulates your investment from the wild ups and downs of the market)

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Post by chaz » Sat Jan 09, 2010 11:26 am

Vanguard Total Stock Market Index in the IRA .
Chaz | | “Money is better than poverty, if only for financial reasons." Woody Allen | | http://www.bogleheads.org/wiki/index.php/Main_Page

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SpringMan
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Post by SpringMan » Sat Jan 09, 2010 11:50 am

I like to over weight small cap and mid cap so in addition to TSM (in taxable) my wife holds FSEMX, Fidelity's extended market index in her Roth and I have small value index, VBR, and small index, NAESX, in my Roth. I add some sector funds to the mix, mainly Energy, VGENX, and REITs, VNQ.
Best Wishes, SpringMan

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Bulldawg
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Post by Bulldawg » Sat Jan 09, 2010 12:58 pm

I use Fido's Spartan Total MKT Index
" IN GOD WE TRUST " ( official motto of the United States )

norm
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Post by norm » Sat Jan 09, 2010 2:21 pm

My answer is none.

norm
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Post by norm » Sat Jan 09, 2010 2:22 pm

None

norm
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Post by norm » Sat Jan 09, 2010 2:23 pm

None

norm
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Post by norm » Sat Jan 09, 2010 2:23 pm

None

nonroom
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Post by nonroom » Sat Jan 09, 2010 3:30 pm

500 in my 401(k)
TSM in taxable
SCV in roth
You cannot control the actions of others. You can only control your reactions to their actions.

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joe8d
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Post by joe8d » Sun Jan 10, 2010 12:49 am

TSM
S&P 500
MidCap Index
SmCap Index
FTSE All World ex-US
TInt
REIT Index
All the Best, | Joe

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ruralavalon
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Post by ruralavalon » Sun Jan 10, 2010 4:56 pm

Total Stock Market--taxable & IRA
Small Cap Value- IRA
REIT- IRA
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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woof755
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Post by woof755 » Sun Jan 10, 2010 9:07 pm

geekmedic wrote:I'm trying to gauge whether to just invest in a total stock market fund or whether I should do 500 and small cap (or total stock and small cap).
I use TSM and Small Cap Value domestically. Total Int'l and Int'l small for foreign.

If you are not trying to add a small cap value tilt, just use TSM and brag to your friends and relatives about the brilliant simplicity of your portfolio! :D
"By singing in harmony from the same page of the same investing hymnal, the Diehards drown out market noise." | | --Jason Zweig, quoted in The Bogleheads' Guide to Investing

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Petrocelli
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Post by Petrocelli » Sun Jan 10, 2010 9:30 pm

I use Capital Opportunity and Selected Value.
Petrocelli (not the real Rico, but just a fan)

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rustymutt
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Post by rustymutt » Mon Jan 11, 2010 7:43 pm

I use VIVAX, and VFINX for my pure large cap US exposure.

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Peter Foley
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Post by Peter Foley » Mon Jan 11, 2010 8:47 pm

I replied that I use them all, although not by choice. The only low cost funds in one of our deferred accounts are index 500 and midcap 400. So I hold a small cap in another deferred account to balance. I would hold TSM with a little extra mid cap if fund costs and availability were not an issue.

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Gary
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Post by Gary » Mon Jan 11, 2010 9:22 pm

I voted for "all". I keep TSM in taxable. Since TSM is not an option in my 401K, I emulate it with the S&P 500 / Extended market index funds in a 60/40 ratio (that gives me a slight small value tilt).

--Gary

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Blues
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Post by Blues » Tue Jan 12, 2010 9:24 am

TSM and additional wide small/midcap exposure with the use of the TSP "S" Fund (essentially the "completion index" of stocks not in the S&P 500).

ohiost90
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Post by ohiost90 » Tue Jan 12, 2010 10:44 am

6

IRAs = TSM, REIT idx, Small cap value idx.

529 = 500idx and extended markets.

401k = a TSM like fund managed by ohio public retirement service.

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Post by ddb » Tue Jan 12, 2010 12:31 pm

My entire US equity allocation consists of deep small value stocks, so none of the poll choices were appropriate for me.

- DDB
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