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Post by MoBuckChaser on Feb 16, 2018 5:35:56 GMT -6
I may have made more money on the Vanguard Health Care Fund.....than any other. It's a great holding. BUY IT! and dont look back. Yep! Its a buy on everyone's web site. VHCIX, takes $100,000 to get in. The 2 others I like are VHDYX and VUIAX. I have to stay in some Blue Chips, and some Utilities, The stock dividends have done me well over the years, I am hoping the mutual fund for Utilities does as well!
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Post by MoBuckChaser on Feb 16, 2018 5:41:44 GMT -6
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Post by westbranch on Feb 16, 2018 7:40:24 GMT -6
I may have made more money on the Vanguard Health Care Fund.....than any other. It's a great holding. BUY IT! and dont look back. Yep! Its a buy on everyone's web site. VHCIX, takes $100,000 to get in. The 2 others I like are VHDYX and VUIAX. I have to stay in some Blue Chips, and some Utilities, The stock dividends have done me well over the years, I am hoping the mutual fund for Utilities does as well! They sell an ETF that racks the same investments, so no 100k minimum -https://personal.vanguard.com/us/funds/snapshot?FundId=0956&FundIntExt=INT&funds_disable_redirect=true Right now 80%+ of our investments are either in the Vanguard Total Stock Market Fund. Expense ratio is only .04% with no load fees. I know I have mentioned it before, but why buy anything else? personal.vanguard.com/us/funds/snapshot?FundId=0585&FundIntExt=INT&funds_disable_redirect=true
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Post by MoBuckChaser on Feb 16, 2018 7:43:16 GMT -6
Yep! Its a buy on everyone's web site. VHCIX, takes $100,000 to get in. The 2 others I like are VHDYX and VUIAX. I have to stay in some Blue Chips, and some Utilities, The stock dividends have done me well over the years, I am hoping the mutual fund for Utilities does as well! They sell an ETF that racks the same investments, so no 100k minimum -https://personal.vanguard.com/us/funds/snapshot?FundId=0956&FundIntExt=INT&funds_disable_redirect=true Right now 80%+ of our investments are either in the Vanguard Total Stock Market Fund. Expense ratio is only .04% with no load fees. I know I have mentioned it before, but why buy anything else? personal.vanguard.com/us/funds/snapshot?FundId=0585&FundIntExt=INT&funds_disable_redirect=trueI was looking at some of the ETF's for the same mutual funds. The mutual funds say a strong buy right now, ETF's say a sell right now. Makes no sense to me?
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Post by MoBuckChaser on Feb 16, 2018 7:54:04 GMT -6
Yep! Its a buy on everyone's web site. VHCIX, takes $100,000 to get in. The 2 others I like are VHDYX and VUIAX. I have to stay in some Blue Chips, and some Utilities, The stock dividends have done me well over the years, I am hoping the mutual fund for Utilities does as well! They sell an ETF that racks the same investments, so no 100k minimum -https://personal.vanguard.com/us/funds/snapshot?FundId=0956&FundIntExt=INT&funds_disable_redirect=true Right now 80%+ of our investments are either in the Vanguard Total Stock Market Fund. Expense ratio is only .04% with no load fees. I know I have mentioned it before, but why buy anything else? personal.vanguard.com/us/funds/snapshot?FundId=0585&FundIntExt=INT&funds_disable_redirect=trueI like the better yield on VHDYX than the Vanguard Total Stock. But does the .04% maintenance fee for the Total stock fund help more than the .14% maintenance fee of the VHDYX?
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Post by westbranch on Feb 16, 2018 8:13:42 GMT -6
Makes no sense that the ETF is not a buy on the health care fund when the mutual fund is. Just investment "advisers" trying to sell clicks.
VTSAX has a much broader investment base, so you get stock appreciation along with the dividends. The VTSAX yield is 1.68% vs. 2.71% on the VHDYX. We do have different goals, I am investing this based on not touching most of it for 20+ years. That differences in expense ratios make a big difference over long periods of time assuming similar returns. And if I was not assuming similar returns I would just be spending all of this money on ammo.
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Post by MoBuckChaser on Feb 16, 2018 8:18:24 GMT -6
Makes no sense that the ETF is not a buy on the health care fund when the mutual fund is. Just investment "advisers" trying to sell clicks. VTSAX has a much broader investment base, so you get stock appreciation along with the dividends. The VTSAX yield is 1.68% vs. 2.71% on the VHDYX. We do have different goals, I am investing this based on not touching most of it for 20+ years. That differences in expense ratios make a big difference over long periods of time assuming similar returns. And if I was not assuming similar returns I would just be spending all of this money on ammo. I won't be around in 20 years, but after I am gone, I do want the barracuda set up in the future................and her pool boy!
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Post by westbranch on Feb 16, 2018 9:08:43 GMT -6
I need to find the an online calculator I have used before comparing expense ratios. Not much of a difference when looking at Vanguard index funds that range from .04 .2. But when you look at the crap pushed by Edward Jones, Thrivent, northwestern mutual, and similar places that has load fees and expense ratios >1% it adds up to tens of thousands over 20 years. Could be ok if they had better returns, but 90% of the time they do not.
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Post by MoBuckChaser on Feb 16, 2018 10:14:23 GMT -6
I need to find the an online calculator I have used before comparing expense ratios. Not much of a difference when looking at Vanguard index funds that range from .04 .2. But when you look at the crap pushed by Edward Jones, Thrivent, northwestern mutual, and similar places that has load fees and expense ratios >1% it adds up to tens of thousands over 20 years. Could be ok if they had better returns, but 90% of the time they do not. A lot of the ones that were pushed years ago had 4-6% front loads. But I think those are going by the way side one would think. Edit: I would love to see that calculator if you find it!
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Post by westbranch on Feb 17, 2018 8:28:25 GMT -6
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Post by MoBuckChaser on Feb 17, 2018 8:59:25 GMT -6
Funny the amount of money lost on just the slight difference in fee's over a ten year period.
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Post by sd51555 on Feb 17, 2018 9:48:38 GMT -6
Funny the amount of money lost on just the slight difference in fee's over a ten year period. Then add to that, most funds are full of known losers you don't want to own, and underweight on stuff that is knocking the shit out of it.
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Post by westbranch on Feb 17, 2018 10:34:21 GMT -6
Funny the amount of money lost on just the slight difference in fee's over a ten year period. Then add to that, most funds are full of known losers you don't want to own, and underweight on stuff that is knocking the shit out of it. The issue is if you try to start chasing those winners/dumping the losers you will be too late. I feel my time is better spent doing many other things. The active managers who have Phds and CFAs spend 60+ hrs a week thinking about it and hope that with their fees they will keep you ahead of the losers. But over the long term over 90% of them do not beat the cheap index funds. I feel a little repetitive, but that is why I just buy mostly VTSAX (I do have some other vanguard and fidelity funds) and just set and forget. I do own all of the losers, but over the long term the winners will average you out to coming out ahead. If you don't believe that, there is almost no point to investing in the stock market. Historical returns are not a good predictor of future returns, but they are the best predictor that we have. So in the end, one of the few things we can control as the little guys is how much we are paying in fees to the big guys.
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Post by nhmountains on Feb 17, 2018 16:30:08 GMT -6
Merck has a P&E ratio of almost 60, never seen that, as well as a almost 4% dividend. That tells me people are all over Merck. Would any of you be? My neighbors sold out to Merck 40 years ago for 800,000 shares. I wonder how much that would be worth today?
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Post by MoBuckChaser on Feb 17, 2018 18:16:19 GMT -6
Merck has a P&E ratio of almost 60, never seen that, as well as a almost 4% dividend. That tells me people are all over Merck. Would any of you be? My neighbors sold out to Merck 40 years ago for 800,000 shares. I wonder how much that would be worth today? 45 mil.
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