Row 32834

Row ID: 32834 | Dataset Entry | Axioma AXP Content Repository

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I wouldn't get any fund with an ER 0.7%.

If you wanted something more aggressive (because you're young, won't need the money for decades, and can keep yourself from not panicking when the market dips), the something like an S&P500 fund would be good. VOO, VINIX, FXAIX, etc.

Whatever you were considering buying to "diversify", it is probably not adding diversity to your portfolio.

VTIVX is already extremely diversified. The VSMPX makes up like 50% of the fund, and is invested in >3,700 companies in the US market.

The VTIAX portion of the fund is 33%, and invested in >8,600 international companies.

Most index funds you would buy (especially something with a fee 0.7%, which I suspect is some sort of sector heavy ETF) will actually decrease your overall diversification compared to this target date fund.

But overall, no. Don't buy funds with expense ratios that high. Anything over 0.1% should be proceed with caution. I think it's fair to say anything over 0.2% shouldn't be considered at all.

FieldValue
text I wouldn't get any fund with an ER 0.7%. If you wanted something more aggressive (because you're young, won't need the money for decades, and can keep yourself from not panicking when the market dips), the something like an S&P500 fund would be good. VOO, VINIX, FXAIX, etc. Whatever you were considering buying to "diversify", it is probably not adding diversity to your portfolio. VTIVX is already extremely diversified. The VSMPX makes up like 50% of the fund, and is invested in >3,700 compa…
label r/investing
dataType comment
communityName r/investing
datetime 2024-05-21
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Raw Record

{
  "text": "I wouldn't get any fund with an ER 0.7%.\n\nIf you wanted something more aggressive (because you're young, won't need the money for decades, and can keep yourself from not panicking when the market dips), the something like an S&P500 fund would be good.  VOO, VINIX, FXAIX, etc.\n\nWhatever you were considering buying to \"diversify\", it is probably not adding diversity to your portfolio.\n\nVTIVX is already extremely diversified.  The VSMPX makes up like 50% of the fund, and is invested in >3,700 companies in the US market.\n\nThe VTIAX portion of the fund is 33%, and invested in >8,600 international companies.\n\nMost index funds you would buy (especially something with a fee 0.7%, which I suspect is some sort of sector heavy ETF) will actually decrease your overall diversification compared to this target date fund.\n\nBut overall, no.  Don't buy funds with expense ratios that high.  Anything over 0.1% should be proceed with caution.  I think it's fair to say anything over 0.2% shouldn't be considered at all.",
  "label": "r/investing",
  "dataType": "comment",
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  "datetime": "2024-05-21",
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