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Funds arrived in my Vanguard account!

January 19th, 2018 at 06:24 am

Hi all

vanguard funds finally arrived in my account (the funds from Schwab) I was planning on doing a target date fund for all. Most are taxable funds. some are rollover or IRA. Any things I should consider or am missing here. It will be fun to set up auto withdrawal to go into savings/investments again!

I am wondering if a target date fund is the way to go or if I shoudl just invest in the underlying funds target funds invest in. The reason is I can invest in the 'admiral' version of those underlying funds paying a .04 % cost vs .16% for the target funds. of course if I buy the underlying funds I have to manage the percentage in each fund over time. thoughts?

Cabinets go in Thursday at the 2 flat
Counters the week after Wednesday

Almost there

Low month w rentals. I am missing 1 house rent and have LOTS of costs w the pipes freezing. I also did not change my 401k soon enough and it was still set to 40% from last year so my check was halfed

I will somehow make it through but my 2 flat debt payoff goal for this month is unlikely to be hit

I will post 2 flat total debt numbers on the side once I have firm total.. still accruing at this point but ALMOST DONE

School is way more work than I had thought.. struggling but exciting and good

Glad work is slower..but more money is always welcome

3 more payments due on the 3 units. Those payments are over $5k a month. Once those drop I will put tjhat money towards the 2 flat debt and then in June reevaluate and maybe put it towards investments

Still trying to pay off all 2 flat fix up debt by end of June and have only $30k left owed on the 2 flat loans.

onward!

5 Responses to “Funds arrived in my Vanguard account!”

  1. Carol Says:

    Check with your tax person. Target date funds are great, but don't always work so well in taxable accounts. They are excellent in Roth or rollovers.

  2. Rachael777 Says:

    Thanks I just read all sorts of stuff about what funds to hold in taxable accounts. I did already put my Roth and rollover in one of Vanguards target funds .I am currently contemplating either VTCLX (cap appreciation) or VTMSX (small caps). both are Vanguard tax managed funds. Thoughts and feedback welcomed!

  3. FrugalTexan75 Says:

    Have you read J Collins stock series? He has a wealth of info on his site. He strongly advocates for the Vanguard Total Stock Index fund. I've put most of my holdings in that. (have about 15% in one stock outside of the index fund)

  4. Carol Says:

    Total Stock Index fund is good in taxable. But for thorough advice over internet, you could try Bogelheads.org. Just reading the information on that site can help you think about your overall picture, and better see what you want to do.

  5. Rachael777 Says:

    I actually read Bogleheads after thsi post and saw that as well. i will invest the money today once I have a second to review the info. but so glad for websites like Bogleheads and this forum.

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