For simplicity's sake, I would just open an account at Vanguard and put half of your money in either the Vanguard Total Stock Market Index fund (VTSMX) or the Vanguard S&P 500 Index fund (VFINX) and half in the Vanguard
Total International Index fund (VGTSX).
To win the war of who has the lowest expense ratios, Schwab lowered the expense ratio on the Schwab 500 Index Fund (SWPPX), the Schwab Total Stock Market Index Fund (SWTSX), and the Schwab
Total International Index Fund (SWISX).
Vanguard Total Bond Index Fund Vanguard
Total International Index Fund Vanguard Total Stock Market Index Fund
Which all goes back to my point — since companies change in a lot of unpredictable ways, it makes more sense for passive income to just ride the market by investing in a Total Domestic Stock Market, Total Bond Market, and
Total International index funds, with allocations that depend on your goals and time horizon.
The investor currently has about $ 17,000 in the Total Stock and
Total International index funds in traditional and Roth IRA accounts at Vanguard.1 She is ready to make her 2010 IRA contribution of $ 5,000 over the next few months, and also will be starting her 401 (k) contributions within the next month.
Not exact matches
I plan: 5 % — swing for the fences 10 % — save for big blue chip bargain buys that pop up throughout the year 10 % — VNQ, other than our primary residence, I have no exposure to RE, so this should help with that 15 % — VXUS,
international index exposure 60 % — VTI,
total stock market
index (as I get older, I will be also adding BND or a bond
fund, but at 32, I'm working on building equities!)
Knowing Vanguard I had expected it to be pretty simple, but I was surprised they recommended I only place my money into two Vanguard stock market
index funds — the Vanguard Total Stock Market Index Fund (which tracks the US equities market) and the Vanguard Total International Stock Index Fund (which tracks the international equities mar
index funds — the Vanguard
Total Stock Market
Index Fund (which tracks the US equities market) and the Vanguard Total International Stock Index Fund (which tracks the international equities mar
Index Fund (which tracks the US equities market) and the Vanguard
Total International Stock Index Fund (which tracks the international equi
International Stock
Index Fund (which tracks the international equities mar
Index Fund (which tracks the
international equi
international equities market).
To get the mix you need, Prior recommends a
total U.S. stock - market
index fund, a
total international stock market
index fund, and an
index fund that buys a broad sampling of U-S and
international bonds.
Core
International Fidelity ®
International Enhanced
Index Fund (FIENX) Fidelity ®
International Capital Appreciation
Fund (FIVFX) Fidelity ®
Total International Equity
Fund (FTIEX) Fidelity ®
International Discovery
Fund (FIGRX) Fidelity ® Diversified
International Fund (FDIVX) Fidelity ® Overseas
Fund (FOSFX) Fidelity ®
International Growth
Fund (FIGFX) Fidelity ®
International Value
Fund (FIVLX) Fidelity ®
International Small Cap
Fund (FISMX) Fidelity ®
International Small Cap Opportunities
Fund (FSCOX)
I ended up going with a portfolio that took advantage of Vanguard Admiral Shares... VTSAX — Vanguard
Total Stock Market
Index Fund Admiral Shares — 40 % VSMAX — Vanguard Small - Cap
Index Fund Admiral Shares — 10 % VTIAX — Vanguard
Total International Stock
Index Fund Admiral Shares — 35 % VGSLX — Vanguard REIT
Index Fund Admiral Shares — 10 % VBTLX — Vanguard
Total Bond Market
Index Fund Admiral Shares — 5 %
From the Bogleheads» 3 -
fund page: «For example, one could use Total Stock Market ETF (VTI), Vanguard Total International Stock Index Fund (VXUS) for international, and Vanguard Total Bond Market ETF (BND).&ra
fund page: «For example, one could use
Total Stock Market ETF (VTI), Vanguard
Total International Stock Index Fund (VXUS) for international, and Vanguard Total Bond Market ETF
International Stock
Index Fund (VXUS) for international, and Vanguard Total Bond Market ETF (BND).&ra
Fund (VXUS) for
international, and Vanguard Total Bond Market ETF
international, and Vanguard
Total Bond Market ETF (BND).»
That way the
International stock
index fund would increase as a percent of the
total portfolio until returning to the desired allocation.
Vanguard's
total international stock
index fund clocked 3.9 % a year over the 10 years through Aug. 31, versus 7.4 % for its
total U.S. stock market
index fund.
Q; I follow your recommended Vanguard portfolios and wonder what you think about the recent addition of two
International Bond
funds — the Vanguard
Total International Bond
Index Fund and the Emerging Markets Government
Index Fund?
If we were not doing slice and dice, we would simply use a
Total International Stock Market
Index fund for our foreign stock allocation, which includes developed markets, emerging markets, and small caps.
But there's no need to worry about that with this ETF, because it is simply a new share class of the Vanguard
Total International Stock
Index Fund, a mutual fund that has been around for 12 years and has $ 51 billion in ass
Fund, a mutual
fund that has been around for 12 years and has $ 51 billion in ass
fund that has been around for 12 years and has $ 51 billion in assets.
The
fund: Vanguard
Total International Stock ETF (Nasdaq: VXUS) The
index: The ETF tracks the MSCI All Country World ex-USA Investable Market Index, which includes virtually every country with a significant -LSB
index: The ETF tracks the MSCI All Country World ex-USA Investable Market
Index, which includes virtually every country with a significant -LSB
Index, which includes virtually every country with a significant -LSB-...]
There are
total market
indexes, and
index funds that track them, available for Canadian, US,
International, and Emerging markets stocks.
A good core
international stock holding is Vanguard's Total International Stock Index fund, which includes both developed and emer
international stock holding is Vanguard's
Total International Stock Index fund, which includes both developed and emer
International Stock
Index fund, which includes both developed and emerging markets.
Core
International Fidelity ®
International Enhanced
Index Fund (FIENX) Fidelity ®
International Capital Appreciation
Fund (FIVFX) Fidelity ®
Total International Equity
Fund (FTIEX) Fidelity ®
International Discovery
Fund (FIGRX) Fidelity ® Diversified
International Fund (FDIVX) Fidelity ® Overseas
Fund (FOSFX) Fidelity ®
International Growth
Fund (FIGFX) Fidelity ®
International Value
Fund (FIVLX) Fidelity ®
International Small Cap
Fund (FISMX) Fidelity ®
International Small Cap Opportunities
Fund (FSCOX)
While I have no problem with going all -
index — a
total U.S. stock market
fund for broad domestic stock exposure, a
total U.S. bond market
fund for your bond stake and a
total international fund if you want to include foreign shares in your asset mix — I don't contend you would be totally undermining your investing efforts if you throw in the occasional actively managed
fund, provided it has low expenses.
Fidelity recently rolled out three new
index funds, Fidelity Large Cap Growth Index Fund (FSUIX), Fidelity Large Cap Value Index (FLCDX), and Fidelity Total International Index (FT
index funds, Fidelity Large Cap Growth
Index Fund (FSUIX), Fidelity Large Cap Value Index (FLCDX), and Fidelity Total International Index (FT
Index Fund (FSUIX), Fidelity Large Cap Value
Index (FLCDX), and Fidelity Total International Index (FT
Index (FLCDX), and Fidelity
Total International Index (FT
Index (FTIGX).
Vanguard has also extended its bond
index and ETF lineup, introducing Vanguard Short - Term Inflation - Protected Securities Fund in 2012; Vanguard Total International Bond Index Fund / ETF and Vanguard Emerging Markets Government Bond Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in
index and ETF lineup, introducing Vanguard Short - Term Inflation - Protected Securities
Fund in 2012; Vanguard
Total International Bond
Index Fund / ETF and Vanguard Emerging Markets Government Bond Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in
Index Fund / ETF and Vanguard Emerging Markets Government Bond
Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in
Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond
Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in
Index Fund / ETF in 2015; and Vanguard
Total Corporate ETF in 2017.
My advice: Purchase a
total U.S. stock market
index fund, a
total international stock
index fund and a
total bond market
fund.
Instead, you might anchor your portfolio with a
total U.S. stock market
index fund, a
total international stock
index fund and a
total bond market
index fund.
YOU CAN BUILD A GREAT PORTFOLIO with just three
index funds: a U.S.
total stock market
fund, an
international fund that buys both developed and emerging stock markets, and a high - quality U.S. bond
fund.
The percentages of the Portfolio's assets allocated to each Underlying
Fund are: Vanguard
Total Bond Market II
Index Fund 14 % Vanguard
Total International Bond
Index Fund 5 % Vanguard Short - Term Inflation - Protected Securities
Index Fund 6 % Vanguard Federal Money Market
Fund 75 % Through its investment in Vanguard
Total Bond Market II
Index Fund, the Portfolio indirectly invests in a broadly diversified collection of securities that, in the aggregate, approximates the Bloomberg Barclays U.S. Aggregate Float Adjusted
Index in terms of key risk factors and other characteristics.
Vanguard
Total Market
Index Fund (VTSMX): $ 17K Vanguard
Total International Stock
Index Fund (VGTSX): $ 3K
Total: $ 20K
Through its investment in Vanguard
Total International Stock Index Fund, the Portfolio also indirectly invests in internat
International Stock
Index Fund, the Portfolio also indirectly invests in
internationalinternational stocks.
Through its investment in Vanguard
Total International Bond
Index Fund, the Portfolio also indirectly invests in government, government agency, corporate, and securitized non-U.S. investment - grade fixed income investments, all issued in currencies other than the U.S. dollar and with maturities of more than 1 year.
If you'd like to pair that with some
international investments, Pollock points to the Vanguard Total International Stock Index
international investments, Pollock points to the Vanguard
Total International Stock Index
International Stock
Index Fund (VGTSX).
Ideally I would suggest no more than 4 - 6
index funds:
total us stock,
total us bond,
total international stock being the core - then adding in some sizzle through REIT or small cap
index.
I don't think you should overlook a broad
index fund such the
total U. S. market
index,
total international index, S & P
index just to name a few.
Suppose I bought $ 5,000 in Vanguard
Total International Stock
Index Fund over several installments, some before 2012 and some after 2012 (set to reinvest), and now it's worth $ 10,000.
I only invest in 3 types of
index funds: Domestic stocks,
International stocks, and
total bond market.
As I've mentioned before, I use the simple 3
fund plan of US Domestic Stock — 500 Index Fund (VFINX), International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
fund plan of US Domestic Stock — 500
Index Fund (VFINX), International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
Fund (VFINX),
International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
Fund (FSIVX), and
Total Bond Market (VBMFX) for my retirement accounts.
According to Morningstar Direct, its top weights are 38.2 % of
funds invested in Vanguard
Total Stock Market
Index Fund (VTSMX), 25.7 % in Vanguard
Total Bond Market II
Index Fund (VTBIX), 25.2 % in Vanguard
Total International Stock
Index Fund (VTSNX) and 11 % in Vanguard
Total International Bond
Index Fund (VTIBX).
With 340 stocks, it's meaningfully less diversified than a portfolio including both a «
total U.S.»
index fund and a «
total international»
index fund, which means you'd be taking on more risk for a given level of expected return, and
While the new
Total International Bond
Index Fund is, overall, fairly similar to the domestic
Total Bond Market
Index Fund, Vanguard's new Emerging Markets Government Bond
Index Fund is an entirely different beast due to its level of credit risk and its corresponding yield.
The bulk of our
index funds are in Vanguard
total market,
total international and emerging markets.
To check I wasn't missing something, I set out to do apples - to - apples comparisons among
index funds in four highly competitively segments of the
indexing market: large - cap U.S. stocks,
total U.S. stock market,
total international stock market and
total U.S. bond market.
Like U.S.
total stock market
index funds, you can find
total international stock
index funds.
What about
total U.S. stock market
index funds and
total international stock
index funds?
Examples include Fidelity Global ex U.S.
Index Fund, iShares Core MSCI
Total International Stock ETF, Vanguard FTSE All - World ex-U.S.
Index Fund and Vanguard
Total International Stock
Index Fund.
The easiest effective and efficient way to invest in
international stocks is to use a (low - cost,
index) mutual
fund or ETF that invests in the
total international stock market, including emerging markets.
In 2008, when the financial crisis hit with full fury, Vanguard's S&P 500 - stock
index fund declined 37 %, its small - company
index fund fell 36.1 % and its
total international - stock
fund tumbled 44.1 %.
Vanguard's
Total International Stock
Index fund is an example.
By throwing a
total international stock
index fund into the mix, you can dampen the ups and downs of the stock portion of your portfolio, as the shares of some countries may be rising while those of other countries are falling.
But if you're willing to put in just a little more effort, you could get even more diversification by devoting, say, 20 % to 40 % of your stock stake to a
total international stock
index fund, which would give you exposure to the stock markets of countries large and small around the globe.
You could also further diversify the bond portion of your portfolio by investing, say, 20 % to 30 % of your bond holdings to a
total international bond
index fund, although, frankly, I don't think an
international bond portfolio is anywhere close to a «must have» element for the portfolio of most individual investors.