Vanguard Funds

Managing your TSP and alternate investment options after retirement or separation from service.

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LoGiK
Posts: 122
Joined: Mon Jul 30, 2012 7:59 pm

Re: Vanguard Funds

Post by LoGiK »

MakeMe$$$$ wrote:
3 questions...

1. Why do you say Vanguard is for institutional big boys?
2. What redemption fees are you referring to with Vanguard?
3. Where do you get the 90 day hold for Vanguard?

This is a link to fees. https://personal.vanguard.com/us/whatweoffer/stocksbondscds/feescommissions Maybe I am missing something.

I'm not trying to extol Vanguard but from my experience and my reading up on their services...I'm not sure I can agree with the points you made. Certainly there may be better "broker" services if one is thinking of doing a lot of trading but I haven't gotten that far yet. I'm using Vanguard to learn more about the whole spectrum of mutual, ETF and stock trading. So...If I am wrong or missing something about fees...I can be trained. LOL

Just a point of correction/clarification to an earlier post I made. While the ETFs could technically be "day traded" with Vanguard, an account is limited to 25 free ETF trades in a 12 month period at which point they can be subject to a 60 day hold period.


Ok so after 25 free ETF's a month you're subject to a 60 day hold before you can buy/sell those fuynds again? Or can you pay a fee and still "day trade"?
No clue what I'm doing, but willing to learn.

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MakeMe$$$$
Posts: 772
Joined: Tue Aug 23, 2011 10:12 pm

Re: Vanguard Funds

Post by MakeMe$$$$ »

LoGiK wrote:
...

Ok so after 25 free ETF's a month you're subject to a 60 day hold before you can buy/sell those fuynds again? Or can you pay a fee and still "day trade"?


It is 25 ETF trades in a 12 month period...not per month.
Don
Rolled over to Fidelity 2/24/18.
Fantasy still playing with Daily Strategy 12767.

nomny2020
Posts: 83
Joined: Mon Sep 13, 2010 10:35 am

Re: Vanguard Funds

Post by nomny2020 »

sprakass wrote:Does any of the American mutual funds track the TSP?



sprakass;

If I may ask, how are you associated with American Funds? Do you have access to them thru a 401k/403b/457 plan or are you just thinking about investing with them?

sprakass and LoGiK;

I have seen posts like yours before and asked this question previously without getting an answer, but I will try again:

Why do you want to "match" the TSP funds?

(BTW, VIIIX and VIEIX are institutional funds; not something you would invest in by yourself --- or do you have $200M to invest? But, with that said, Vanguard is NOT just "for institutional big boys". Don't know where that comes from.)
http://video.pbs.org/video/2365000843/
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TSPsmart
Posts: 212
Joined: Fri Nov 14, 2014 12:24 pm

Re: Vanguard Funds

Post by TSPsmart »

Both Vanguard and TSP track the same indexes listed below and both have low expenses, so their actual performance would be similiar. No one tracks TSP funds...they just track the same index TSP does. You can buy the ETFs in any type brokerage account that you self manage with no limits by Vanguard on trading. There is a website that compares the TSP funds and Vanguard ETFs on a chart at https://tspsmart.com/Index-Comparison-Charts that might be helpful. Note the TSP C Fund tracks the S&P500 index with dividends added in. The S&P500 index you see online in charts does not include dividends, just price action, unlike the Dow Jones Industrials index. The VOO ETF includes the dividends too.

TSP C Fund and Vanguard's VOO ETF track the S&P 500 index
TSP S Fund and Vanguard's VXF ETF track the Dow Jones U.S. Completion Index which is the Total US stock market minus the S&P 500.
TSP I Fund and the Vanguard VEU ETF track the Morgan Stanley Capital International EAFE Index
TSP F Fund and AGG (iShares Core US Aggregate Bond) track the Barclays Capital US Aggregate Bond Index

Vanguard appears to offer the lowest expense fees so they skim the least off your long-term holdings. TSP is better simply because you have the G Fund. I can find NO other ETF or money market account that never loses money and provides the same interest rate. For non-TSP retirement accounts, I would look hard at Vanguard for core retirement investments.

Good luck

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LoGiK
Posts: 122
Joined: Mon Jul 30, 2012 7:59 pm

Re: Vanguard Funds

Post by LoGiK »

Just to confirm...

ETF funds
F - BND
C - VOO
S - VXF
I - VXUS

Index funds
F - VBMFX
C - VFINX
S - VEXMX
I - VGTSX
No clue what I'm doing, but willing to learn.

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Fund Prices2024-03-28

FundPriceDayYTD
G $18.15 0.05% 1.05%
F $19.08 -0.06% -0.74%
C $82.21 0.11% 10.55%
S $82.43 0.30% 6.92%
I $42.57 -0.24% 5.95%
L2065 $16.38 0.02% 8.37%
L2060 $16.39 0.02% 8.38%
L2055 $16.39 0.02% 8.38%
L2050 $32.73 0.01% 6.95%
L2045 $14.91 0.02% 6.58%
L2040 $54.38 0.02% 6.22%
L2035 $14.34 0.02% 5.79%
L2030 $47.67 0.02% 5.38%
L2025 $13.15 0.03% 3.43%
Linc $25.61 0.03% 2.82%

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