Vtsax vs vti bogleheads. ) It takes $3000 to initial invest in VTSAX.

Vtsax vs vti bogleheads Feb 26, 2022 · They should be the same. Portability between brokerages: I prefer Fidelity's interface, fee structure and convenience. I know. exodusNH Posts: 11676 Joined: Thu Jan 07, 2021 1:21 am. The ratio has been 0. Now as it has got substantial amount of money, is it advisable to change to VTI or just keep VTSAX. 04% for VTSAX), but slightly lower returns over the long run You might be able to do more with VTI, like short it if you wanted to balance out long exposure elsewhere (the hedge funds will do that) and I think's its easier to transfer/gift/donate appreciated shares without triggering a tax gain. Both funds are excellent grabiner wrote: Fri Mar 03, 2023 4:08 am The amount of the investment doesn't make a direct difference; what matters is the tax rate. 84%. VTI, not VOO as incorrectly indicated in the subject, ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Oct 23, 2023 · VTI/VTSAX (same fund: VTI is ETF class, VTSAX is traditional mutual fund) is an excellent choice for one's equity allocation. VTSAX+VTIAX, is it ok to do FSKAX+FTIHX to avoid that $75 fee in Fidelity. Plus the expense ratio on VTI/VTSAX is lower than VTWAX, so holding VTI+VXUS is cheaper than VTWAX. Given expense is the only controllable variable in Boglehead thinking, should we leverage the VTI etf instead of VTSAX mf to get the extra savings on expense? Sep 9, 2021 · b. At Vanguard you can probably just take VTSAX across the board. I have recently set up a Roth IRA with Vanguard funded with VTSAX. Fidelity now has an expense ratio of 0. Autobuy vtsax weekly vs vti roth ira. Top. VTI and VTSAX have the same expense ratio. 4867 or 0. Question is, is this The one thing that is not ambiguous is that a fund is substantially identical to itself. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) Jan 16, 2019 · VTI vs. In my opinion, I think it's important that you can be honest with yourself about why you're doing this. Bogleheads don't time the market, so don't worry about "odd times for bond funds" or using CDs and Treasuries instead of a total bond fund. homebuyer6426 Posts: 1847 Joined: Tue Feb 07, 2017 2:08 pm. 42 (price of VTI at this moment). Aug 21, 2021 · If you are OK with ETFs, Vanguard Total Stock Market Index fund VTSAX has an ETF share class - VTI. TIA! I own VTI in my brokerage account. I just don't think VOO vs VTI matters enough to bother even making an additional trade in the 401k. For $100k invested, can someone show me the difference in each in terms of having to pay taxes on dividends? Any benefit for quarterly dividends in vtsax vs annual dividends for swtsx? Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Tue Jan 07, 2020 4:34 am This article below talks I have seen some people on this forum refer to the allocation of mid and small caps in VTI/VTSAX as 18%. ETA: if you are okay with ETFs, consider VTI or ITOT in a Fidelity Taxable account as they are more tax efficient than FSKAX. I think b. 02. FSKAX (total markets from Vanguard and Fidelity) 2. " Big difference, if you believe we are here to learn, grow, and constantly improve. His work has since inspired others to get the most out of their long-term stock and bond investments by indexing. Do you think this is a reasonable conclusion? Jul 20, 2020 · I compared the ratio of the closing price of VTSAX/VTI since the beginning of the year, the way I did with VBTLX/BND in my post above, and the prices of the ETF and MF track much more closely with the stock fund than the bond fund. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. , VINIX holds only large-cap + VIEX holds on mid/small cap vs. 015% on FSKAX. The con is the slightly larger bid/ask spread. As some others mentioned, the way ETFs trade introduces variables that can be more significant than 1 basis point of ER difference. When I went onto the boglehead. Due to the way Vanguard structures ETFs as another share class of the mutual fund, they have the same tax efficiency. com, I see that they have the allocation for mid/small caps at 28% (20% mid-caps and 8% small-caps). On VTI, unless your brokerage has fractional share trading, you have to wait until you have $215. tashnewbie Posts: 4510 ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) Aug 14, 2020 · Having the same investment (VTI and VTSAX) across tax-advantaged and taxable accounts also exposes you to the risk of wash-sales, if and when you sell something in taxable account for a loss. If you are making a huge investment for your own long-term spending, then you will pay capital-gains tax when you sell, and the combination of that capital-gains tax and dividend tax will put you into the top tax bracket, Vanguard lowered the expense ratio on Vanguard Total Stock Market ETF (VTI) to 0. Fidelity Total Stock Market] Post by Musigny » Thu Nov 08, 2018 1:11 am. VTSAX/VTI hold the total US stock market) — but please share if this is an incorrect assumption Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. 04% vs FSKAX at . Personally, I split VTSAX into Large-Cap Growth, Large-Cap Value, and Small Cap (VUG, VTV, VB in a 37. Oct 30, 2020 · Regarding FZROX vs VTSAX: 1. 20% international is a sort of compromise between 100% VTSAX/VTI and market cap weight (~57/43 VTSAX/international mutual fund 3. tomsense76 Posts: 1428 ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) Jun 5, 2022 · latetotheparty99 wrote: ↑ Sun Jun 05, 2022 12:18 am I understand this is a very basic/common question but would like some advice. For various personal reasons, I would prefer to keep my account with Fidelity rather than switching over to Vanguard. In a Roth IRA, the main difference is going to be that a mutual fund allows putting in/taking out any dollar amount, whereas ETFs can only be traded as whole shares (unless your brokerage offers fractional shares; Schwab is apparently launching this critterdude311 wrote: Fri Feb 23, 2024 5:26 pm I was wondering if anyone has converted/exchanged VTSAX to VTI inside of a Traditional or Roth IRA at Vanguard. Jul 2, 2020 · I went with vtsax/vti in my rIRA as a TLH pairing. When comparing the stocks inside VTSAX vs VTI are they exactly the same, except VTSAX has a higher minimum amount and can be traded like stock ? FB01 wrote: Fri Dec 27, 2019 4:55 pm Hi, I just realized the expense ratio of VTI is 0. 03% and VTSAX is 0. The difference in NAV is not important. Quick question about the use of VTI/VTSAX vs VOO/VFIAX for these accounts. I was wondering if VTI is now a better choice for a taxable account compared to VTSAX. VTSAX using real numbers and confirmed that they have identical results, which should be expected given that they are just different expressions of the same thing. Just keep it in VIIIX since it avoids the high expense ratios and over the long haul will not be substantially different from VTSAX/VTI. The fund is often recommended (see Fig. VTI and VTSAX are the same thing, the Vanguard Total Stock Market fund. What exactly changed between 2018 and now to make you want to drop an entire asset class? International has underperformed U. There is often a single basis point differential on any given day between VTSAX and VTI. Can you think of any downsides to converting? From a different post, it's suggested that VTSAX and VTI (a mutual fund and a ETF for total market from Vanguard) are considered to be substantially identical and thus should not be used for TLH. Newbie here. I always buy in the mornings before the market opens for the day. SWTSX will decrease to 0. 01 for fskax on a $10,000 initial investment but on the chart below there are two lines (one for fskax in blue Jun 7, 2020 · VTSAX is more diversified and incurs fewer costs because it has less turnover than the S&P 500 fund, so from a purest perspective, it is a more efficient index fund for an investor looking to track U. I am planning to move those to either Fidelity, because rest of Aug 6, 2022 · As far as I know, Vanguard funds that have ETF and mutual fund share classes have identical capital gain distributions between share classes. What are your opinions for having only VTCLX for the taxable account and VTSAX or VTI for the tax sheltered account only ? Pros and cons requested. VTSAX (admiral shares) , $60/each will fetch 3000/60 = 50 shares or VTI (ETF), $130/each will fetch 3000/130 = 23 shares approximate ETF doesn't have any minimum amount to invest, buy VTSAX admiral shares have minimum 3K to invest. What I think I know from reading all your posts: - VTSAX has a special way of avoiding taxable events in the current year. Lower expense ratio: I know it's only 0. Last year I opened an HSA with Lively and have been investing in VTI. 04%. 05% for vtsax. org wiki, I found the vanguard "dual-share fund structure which allows their index funds to be just as tax efficient as their ETFs" link which routed me to a section that They essentially preform the same AFAIK. Sorry in advance. The only difference, in principle, is that VTI is an ETF, and VTSAX is a mutual fund. org In my taxable account, I am debating between swtsx (Schwab's total stock market mutual fund) and VTI (Vanguard total stock market ETF) My account is at Schwab, which is the reason I am excluding Vtsax, which would have a transaction fee for each purchase. When I buy VTSAX at what point of the day in the equivalent VTI ETF did I buy the VTSAX? I meant to buy at the dip but I’m guessing that’s not what occurred and I actually got the higher price equivalent at the end of the day. VTI/VXUS vs VTSAX/VGTSX in taxable For those who want to hold long term, VTI would be more tax efficient. chilelover99 ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) Multiple independent people have calculated VTI vs. ↳ The Bogleheads® Wiki: a I found FSKAX to be less tax efficient than VTSAX in a Taxable account as it has distributed capital gains in the last few years. Now you can see above vti and vtsax are very close in performance because you're looking at the same dates of comparison. I'm planning to do tax loss harvesting in the brokerage as needed, and was going to have VOO in the Roth and VTI in the taxable. In addition to reading the threads during market selloffs here at Bogleheads, my wife and I Mar 15, 2013 · ↳ Spain - Bogleheads® España; ↳ Spain; ↳ United Arab Emirates; Wiki; ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) Community; ↳ Personal Consumer Issues; ↳ Bogleheads Community and Local Chapters; ↳ US Chapters Sep 14, 2014 · To answer your question, 80% of our stock holdings are in VTSAX (mutual fund version of VTI) and 20% are in VTIAX (mutual fund version of VXUS). I have Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) in retirement and taxable accounts. However, VTI has an expense ratio of . I want to end up with at least $32K of VTI shares and I was pondering how I can figure out how many shares to convert to reach at least $32K if I don't know the price per share because the market is still open when I call. If you have $5. tibbitts Posts: 26603 Yes and very grateful to bogleheads (have read plenty of your posts as well - thank you!). 04 vs 0. I wasn’t able to find the traditional index funds like VTSAX on the M1 finance app but after a lot of google search i found that many sites referenced VTI as the same or equivalent to VTSAX with the some small differences being some slight expense ratio Apr 25, 2018 · I'm considering adding VTSAX/VTI (VG Total stock) or VTCLX (VG Tax-Managed Cap Appreciation) to an after-tax account. ↳ Spain - Bogleheads® España; ↳ Spain; ↳ United Arab Emirates; Wiki; ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads Dec 15, 2020 · I recently read books by Mr Bogle and have decided to start my investment journey using the M1 Finance app. You can't go the other way though. But if you're only going to use a single fund, VT (VTWAX) would be an even better choice. VTI. Has anyone else chosen that fund? If not, why? (My retirement is in a target date fund, and I am encouraged to read so much praise for target date funds in this group. (I'm not going to try to explain the apparent discrepancy). I know some may see this difference as splitting hairs, but I see it as a 25% difference in fees. VTSAX is 1. Welcome to the Bogleheads Forum! Simplicity is much more important than saving $125 on a $500,000 investment. VTWAX in a taxable account often will not be eligible for the foreign The key distinctions between VTI and VTSAX are their trading structure, minimum investment requirements, expense ratios, trading flexibility and tax implications. ) It takes $3000 to initial invest in VTSAX. VTI vs VTSAX upvote Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. ↳ The Bogleheads® Wiki: a collaborative work of Feb 21, 2022 · Is there a difference in dividends thrown out by VFIAX (SP500) + VEXAX (Extended market index) - as compared to VTSAX and/or VTI. they have different dividends, so i was wondering if their dividends should be figured into the equation of how to choose one over the other. Aug 16, 2021 · Taxable Account - VTSAX vs. The other advantage of separating them out is that you're not locked into global market capitalization. equities. is the right answer since the expense ratios with the other option would swamp out any material differences in the behavior of VTSAX/VTI vs VIIX. But it's not like Int'l has been some roller coaster ride that wasn't happening in VTSAX too. VTI is an ETF. wille412 wrote: Sun May 01, 2022 3:06 pm Hello all, I already have a personal brokerage account with Charles Schwab (only a few hundred dollars in investments currently in account) and have been reading about the three fund portfolio, use of index funds, etc. VTI is the ETF version, VTSAX is the index fund version Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. a taxable brokerage), should I sell off VOO in favor of VTSAX/VTI? Or should I just hold the VOO i have & start buying VTSAX/VTI? Or is the difference so negligible that continuing to VTSAX and its ETF equivalent VTI are a solid choice, and most Bogleheads would suggest you hold the overwhelming majority of your funds in there. For example, both VIAAX and VIGI (the mutual fund Jan 16, 2019 · roguewarrior0 wrote: Mon Apr 27, 2020 6:30 pm I know the holding between VTI and VTSAX are the same. It will vary based in whether it happens to be trading at a premium or discount, but the one decimal place, it'll be good. I'm thinking of converting VTSAX to VTI because VTSAX has an expense ratio of 0. Then when you sold those 10 shares of VTI, you get it back. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current My understanding is that the VTI and VTSAX are equally tax-efficient because they are share classes of the same fund company. 5/37. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost finally, you don't have to convert just to have all one thing (like vti). VTI can give you more flexibility with having less money and buying the ETF on other Jul 6, 2020 · Imagine you invest $10000 in VTSAX (or VTI) in taxable and you are also making regular contributions to VTSAX in your IRA. As far as But yes, you have a wash sale. Jack founded Vanguard and pioneered VFIAX is a subset of VTI/VTSAX. Jan 19, 2025 · Investing in a broader market ETF gives you the chance to own all the names, even the next big winners. There haven't been cap gains distributions but if there ever are Yes, assuming your tIRA is at Vanguard. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non snailderby wrote: Wed Jul 10, 2019 2:53 pm A couple thoughts: 1. Due to these advantages, I am considering Jan 20, 2023 · You have to call Vanguard and request that they convert your VTSAX to VTI. 23 of VTSAX. Jul 5, 2019 · VTI won't generate capital gain distributions, but it turns out Vanguard is pretty good in avoiding distributions also for VTSAX (precisely thanks to VTI existence). 72 vs $58,886. And imagine the stock market has a big 30% Mar 29, 2020 · VTSAX vs VTI vs VOO: Vanguard offers 100+ low-cost and top index funds, in this article we're comparing the details of three of the most popular Vanguard Tax-Managed Capital Appreciation Fund Admiral Shares (VTCLX) - Find objective, share price, performance, expense ratio, holding, and risk details. VTI can give you more flexibility with having less money and buying the ETF on I previously looked into splitting VTI/VTSAX into the different Mega-Cap/Mid-Cap/Small-Cap funds, but I didn't think there was enough of a performance difference to make the extra complexity worth it. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library We currently have both but I am wondering about simplifying to just VTSAX. If you compare mutual funds VTSAX & FSKAX they have similar returns but VTSAX has an expense ratio of . livesoft Posts: 88590 ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) Vanguard has patented a unique tax structure to reduce mutual funds cap gain distributions. jason2459 Posts: 1208 Joined: Thu May 07, 2020 12:59 am. I would invest new money into VTSAX (assuming you've satisfied the 30-day wash sale rule) and not worry about the orphaned VLCAX shares. Investors should consider their If you are investing in a taxable account you might prefer VTSAX or VTI (etf share class of VTSAX) over FSKAX for tax reasons. so VTSAX+VTIAX (or VTI+VXUS if you want the ETF equivalents). 5/13 ratio). Why so complicated? Some have been held since 1990s. The only thing I can think of: if this account was to be transferred, while they both could be transferred "in kind", Fidelity charges a $75 transaction fee for VTSAX. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. So I can’t see what justifies VTSAX over VTI instead either short term (intraday trading can’t be done with MFs) or long term (VTI has lower expenses). ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki VTSAX VS FSKAX [Vanguard vs. The Bogleheads wiki includes dividend returns, including percentages for qualified dividends, for many Vanguard equity mutual funds. With an ETF you can buy one share if you like. Of those two, VTI (VTSAX) is better. 03% while VTSAX has an expense ratio of 0. VTSAX. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) Community; ↳ Personal Consumer Issues; Mar 3, 2020 · For large cap blend asset class I currently have: VTI, VTSAX, VOO, TSP C Fund (S&P 500), SCHB. Today is a more typical example of the relative performance of VTI and VTSAX. 03% annual ER vs 0. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Both up about the same amount: VTI is up 1. What are the benefits of holding the ETF in a taxable account vs the index fund aside from the small difference in expense ratio? Jan 26, 2023 · VTI = VTSAX VT = VTWAX They are two versions of the same thing. The reason is that Vanguard has a patented process to wash mutual fund capital gains through the ETF share class of the fund. As shown in several threads, their performance over time is nearly identical, so I basically treat them as an even trade, in either direction. VTI+VXUS in taxable. If you convert your entire position each year you will have to buy back in with the minimum purchase 3 days ago · VTI AVUS Large-cap 72 60 Mid-cap 21 26 Small-cap 8 14 Growth 24 21 Value 28 33 Source: Merriman Financial Education Foundation, based on data reported by Morningstar Jul 22, 2023 · VTI vs VTSAX are two funds you cannot go wrong with. 63%, and VTSAX is up 1. VTSAX vs VTI Investing Questions I have Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Reply reply Would you all recommend VTI (ETF) or VTSAX (mutual fund) as my first taxable investment choice? Top. I would love to hear your thoughts on VIGAX (Vanguard Growth Index Admiral Fund) vs. But today April 1 there is a very large differential. Both swtsx and vti have the same expense ratio. Hello, I can't seem to find the information regarding Vanguard making both of these funds equally tax efficient. VTI and VT are the ETF versions, VTSAX and VTWAX are the mutual fund versions. Final Thoughts: VTI vs VTSAX are two funds you cannot go wrong with. VTI vs VTSAX - Tax Efficiency . Although I started a long time ago with VTSAX and just kept contributing to that even after VTI came out. I had no idea If we look at the holdings for VTI--same as VTSAX--as of 10/31/2019 (thank you so much LazyDay for showing me how to do this) and doing a little spreadsheet work, I find that on that day, the holdings report only lists 3,586 stocks. "In the short run, the stock market is a voting machine; in the long run, it is a weighing machine" ~Benjamin Graham ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Mar 7, 2019 · VTSAX and VTI have the same expense ratio. When I look over their historical returns, VTCLX has a slight edge all the way back to 10 years, but it doesn't appear that it gains any further advantage when considering taxes on dividends or sale of fund shares, which I would have thought would Apr 10, 2011 · mathguy3021 wrote: ↑ Thu May 02, 2019 1:44 am Vanguard has recently dropped the expense ratio of VTI to 0. FootballFan5548 Posts: 447 Joined: Mon May 01, 2017 7:20 pm. Does it make any difference either we invest in VTSAX or VTI BofA does offer HSA's but not VTSAX or VTI funds (which I would prefer), instead offering VTWAX (which might be the closest thing). 1. 61% - a small difference of 0. However, while deciding to invest in index funds is easy, choosing which funds to invest in is not always as straightforward. Hi, I'm new to the Bogleheads forum and I have a simple question. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low I think the auto purchase of FSKAX now may feel trivial but over my child's lifetime any difference could grow. Both, VTI and VOO provide top-heavy exposure via a similar Aug 12, 2020 · ↳ Spain - Bogleheads® España; ↳ Spain; ↳ United Arab Emirates; Wiki; ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) Community; ↳ Personal Consumer Issues; ↳ Bogleheads Community and Local Chapters; ↳ US Chapters Mar 4, 2024 · The cost per share of VTI and VTSAX is like the cost of two different sizes of milk containers. VTI down 0. They are both good and cheap. Jan 2, 2021 · - VTSAX would mean either opening a Vangaurd account of haggling with Schwab to waive fees. But if someone has 3K to invest. Therefore, even for a taxable account at Vanguard , a mutual fund like VTSAX enjoys similar tax advantages like an ETF like VTI (simplistically speaking). Mutual funds make it easier to buy in any cost. Thank you. S. (0. Bottom line is there isn’t a huge difference between these funds overall and FSKAX would also not be the worst thing to own in a taxable account either. - SWTSX is essentially the same ting as VTSAX just without the tax efficiency benefit. 01% - but hey. So I was reading Common sense investing and bogleheads guide to investing and I have a few question: Regarding FZROX vs VTSAX Mar 16, 2020 · VTI has a slightly lower expense ratio than VTSAX. VTI can be traded for free anywhere at any brokerage. So even if there was a situation in which they were forced to distribute capital gains, there would be no advantage to holding VTI over VTSAX in this respect, or vice versa. 51 posts Previous; 1; 2; Bama12 ↳ Spain - Bogleheads® España; ↳ Spain; ↳ United Arab Emirates; Wiki; ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; VTI vs VTSAX costs Post by dmpizzle » Wed Nov 09, 2011 1:28 pm I saw this article, and I don't believe it to be true, but I wanted to get the opinion of this forum as to where this guy screwed up? Feb 3, 2020 · This would mostly seem irrelevant for funds like VTI/VTSAX which are share classes in the same pool. However, I have no problems putting a portion of your investments into active funds and individual stocks, and many Bogleheads do that as well. Feb 18, 2013 · Looking to invest in taxable account and want advice on VUG vs VTI (/VTSAX). VTSAX contains small caps. That being said, the hold 80% the same things so the end result will be very similar. I see that I've received around 1100 in dividends in my taxable last year - so unnecessary spend of 37% in taxes, and I'm currently invested in VEXAX + VFIAX -> as a result of tax loss harvesting out of VTSAX during Mar 2, 2023 · In fact, I own far more VTSAX than VTI, so that is not the reason. That's the yellow line. 1) as a core holding in a simple three-fund or four-fund portfolio. I Not to be overly pedantic, but I didn't say it was the "Bogle way," but a "purer Bogleheads strategy. Why? I felt that 100%-anything is an extreme position, so not 100% Aug 31, 2020 · Everything else is VTSAX. Reply reply Like others, I hold both. For Vanguard funds tax efficiency is exactly identical between dual class funds such as VTSAX/VTI. In general, MFs are slightly easier to buy and sell; the share price is determined once per day while ETFs are traded like regular stocks with spreads between bid and asked price. VTI and VTSAX are more diversified so I would go with one of them. In fact, I seem to recall a podcast (possibly a Bogleheads podcast) discussing whether this was actually a negative for the VTI side, because of some of the things brought up in the article, but counterpoints were made about Vanguard being very skilled at Jan 21, 2021 · What are the pros and cons of VTI vs VTSAX in a taxable account at Vanguard? I searched this on BH and didn't find much. Retired June 2023. The main difference is VTSAX is a mutual fund, so you can buy it in dollar amounts at the next end of day price after placing an order, and VTI is an ETF so it's traded on the What are your opinions for having only VTCLX for the taxable account and VTSAX or VTI for the tax sheltered account only ? Pros and cons requested. Looking at the these two funds, the obvious pro is ITOT has a lower ER. Can one use a similar fund from different fund companies? For example, VTSAX vs. I currently have over $3000 in VTI. A gallon of milk will cost more than a quart, but it's the same stuff on the inside of the package. Picking the values off the graph 10-yr growth are $20,622 So I was reading Common sense investing and bogleheads guide to investing and I have a few question: Regarding FZROX vs VTSAX: 1. g. CaptainJ wrote: Sun Feb 02, 2020 1:26 am I currently have some investments in an actively managed mutual fund with Fidelity, and I would like to transfer them into a total market index fund. 08% ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) swtsx vs vti Bogleheads. I have both vanguard and schwab brokerage accounts. There used to be a way to do this conversion process via the website, but I believe the option was removed a few years ago. Nov 11, 2020 · Consider switching to ETFs which would given you ITOT, another total market fund that follows a different index than VTSAX/VTI. But VTI has an expense ratio of 0. If you're starting out with less than $3000, VTI is a better choice. So VTSAX is the logical choice. i was reading the comment i quoted earlier about using ER and fees to compare VTI to VTSMX or VTSAX. 03) and may have a tax advantage. ↳ The Bogleheads® Wiki: a collaborative work Jan 28, 2021 · I'm in the same camp, I plan to make some first investments in my taxable space with VTI or VTSAX. And assuming that $11,000 worth of Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0. Mar 24, 2020 · Ok, so the ETF and mutual fund is identical (I mean VTSAX vs. But you could also see SPY and say why did it do worse than vti and vtsax? Well, SPY Whether VTI or VTSAX will have a tax burden a few cents or a few dollars more than the other one cannot be known ahead of time. For my Roth IRA, I have been investing in VTSAX since day 1. 03% vs 0. VOO is fine though as long as you can stick with it. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. " The reason that VTSAX/VTI (Total Stock Market) has outperformed VTWAX/VT (Total World) is that the US has been on a tear since 2009, especially large caps (Total Stock is about 80% large caps). 4868 on every day of the year except 3/25 and 6/24. 015% Also Fidelity funds have no trade fees vs a $75 trade fee per transaction with vanguard funds. , sure. VTI came out slightly ahead $59,158. The two funds share the same pool of assets. If you don't want to invest in VTI as an ETF equivalent of VTSAX you could consider FZROX. However, on morningstar. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. 03%. The fund Thanks! Re: the timing question, my confusion is over the share price used for the conversion. Having to rebalance VTI/VXUS probably spends more of your VTI and VTSAX have the same net asset value at closing if you look at Vanguard website however VTSAX is a mutual fund. The ER difference between a 60/40 VTI/VXUS and VT is about 2-ish bps - meaningless. If they disagree, it likely doesn't matter. Here's the Bogleheads wiki on ETF vs mutual fund I prefer mutual funds because of the simpler trading mechanics. They are significant funds with low expense ratios and do similar things. — everyone knows that tech companies are going to be huge players in the future. The US has outperformed the rest of the world. Re: VUG vs. VTI can be Now most of you said that easy way to track what price would the VTSAX & VBTLX be either higher or lower is to watch the corresponding ETFs. VTI and BND. Using VTSAX would mean incurring trading fees. Does Schwab offer commission free trading of ETFs? Top. 2 trillion and FSKAX is something like 66 billion. The dividend payout rate is the same for both. But I wouldn't worry about it. Also, you can always convert your VTSAX to VTI if you contact Vanguard. I invested $3k in VIGAX last year as my first foray into brokerage accounts. For this reason, if you own VTI / VTSAX in tax-advantaged accounts, I suggest ITOT/IXUS to be held in taxable, as a poster above suggested. vtsax is the same as vti (slightly more expensive, but again negligible, so not noticeable over your lifetime, likely. Otherwise I don't think you can go wrong either way. VFIAX vs VTI VTI at closing is a good proxy for VTSAX. I'd split my investments between VTSAX and one or If you want to move out of Vanguard, you can easily convert VTSAX to VTI and transfer the ETF in-kind. Post by Bassman » Thu Jan 24, 2019 12:37 pm. Re: VTI vs VOO. Top From what I understand, holding VINIX and/or VIEX would not trigger a wash sale when trying to harvest tax loss from VTSAX/VTI because the funds follow different indexes (i. If another opportunity to TLH VTSAX and VLCAX happens then you may end up with money in VFIAX or similar or even have a chance to put everything back into VTSAX. Trading "all day" isn't of interest to Bogleheads. 2. This is more often what you would see and expect. I need some help comparing funds. Whether you own 2 shares of VTSAX worth $50 apiece or 1 share of VTSAX worth $100 apiece, the end result is the same: You own $100 worth of VTSAX. Trying to decide now if I want to open a Vanguard account if I decide to go with VTSAX. JoMoney Posts: 16260 Joined: Tue Jul 23, 2013 10:31 am. Deciding to invest in index funds is one of the smartest decisions you can make as an investor. ↳ The Bogleheads® Wiki: a collaborative work of the Bogleheads community; ↳ Canada - finiki (wiki) ↳ Wiki and Reference Library (non-current archive) The Vanguard Total Stock Market Index Fund is a very suitable candidate for placement in taxable accounts. I'm sure I'll have other questions over time, but this is a simple one. I don’t know Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. I also want to have automatic investments set up, so I would Here is an illustration of why I don't think it matters. . Another difference, as you noted, is the lower entry fee for ETF, and yet another is that some custodians won't let you buy fractional shares of ETF. This is in my taxable investment account. 23, you can buy $5. One wag said: "If Bogleheads agree, do what they say. I don't "prefer" VTSAX - it's just what I already own since it used to be the only way to automate investments. I consider VTSAX my core holding, but added VFIAX to provide a partner for tax loss harvesting. If you sell VTI in taxable, and reinvest dividends in VTI (or the mutual fund class VTSAX) in your Roth IRA, everyone agrees that is a wash sale even I vote 100% VTI/VTSAX! Top. Once you have met the minimum initial investment in VTSAX, subsequent investments can be for any dollar amount. His work has since inspired others to get the most out of their long-term investments. Have a question about your personal investments? No matter how simple or complex, you can ask it here. 04% sorry, i'm new to this. I am looking to invest roughly 7-10k a year for next 5-7 years as part of a nest egg for my wife and I for future use down the VTI/VTSAX and VXUS/VTIAX are different share classes of the exact same product. Would this 70% VTI/VTSAX 20% VGT 5% UNH 5% HUM Who invests in funds outside of the index? Is a mixed fund strategy a good idea? Anyway, a good number of bogleheads hold e. VOO's best feature is its diversification, and VTI/VTSAX is even better diversified. In addition, VTI can be sold and bought much faster than VTSAX. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. VTSAX has a 3K minimum initial investment so if your first investment is less than $3000 you cannot buy VTSAX. small value stocks in excess of their contribution to the total market cap. Another VTWAX vs VTSAX/VTIAX post. I compared the ratio of the closing price of VTSAX/VTI since the beginning of the year, the way I did with VBTLX/BND in my post above, and the prices of the ETF and MF track much more closely with the stock fund than the bond fund. Jack founded Vanguard and pioneered indexed mutual funds. Re: 30 Years and 100% VTI. You can also sell calls against VTI and If you are using fidelity to invest your money take a look at the fees associated with buying vanguard funds. VTI vs VTSAX when fractional shares The expense ratio is negligible. This signature message sponsored by sscritic: Learn to fish. In a taxable account you may prefer holding VTSAX/VTI and either VXUS/VTIAX or IXUS. For me, as a long-term strategy, I don't plan to take advantage of intraday price movements (or advanced buying/selling strategies such as limit orders) and am ok with 1 price at closing. I'm going to plot four growth charts: VTSMX, VTSAX, VTI, and for the fourth curve, a fund someone mentioned in another thread, FADSX, Nuveen Equity Index R3, which is a) an S&P 500 index fund, not a total market fund, with b) with an expense ratio of (!) 0. Now if you want to convert all to vti anyway, i'd recommend you'd move at least your vtsax over to vanguard where they can then convert it to vti (for free). Also, not sure if they massive size difference in funds as long term implications. With VTSAX you Dec 20, 2023 · While researching ETF options, I discovered that VTI has a lower expense ratio (0. 03% versus VTSAX has expense ratio of . Picking the values off the graph 10-yr growth are $20,622 May 18, 2016 · I'd like to resurrect this thread as I'm contemplating between investing in ITOT at Fidelity versus opening an account with Vanguard and investing in VTI or VTSAX. Re: VT vs. Since VTI and VTSAX are "substantially identical" (arguably, at least), your 10 shares of VTI acquire the loss on the first 10 shares of VTSAX that you sold. e. I know the conversion can be done in a plain old taxable brokerage account by So what say you, more experienced Bogleheads? Leave it all in VT or break it up into VTI+VXUS? Thanks. uzui dyrgu ztfyy paxcspxq xtu aqylgr ydhssi xzovgi xiske fovt