Here’s the question: I read about keeping all your money on VTSAX (J.L. Collins) or using a 3 fund allocation fund (VTSAX, VTIAX and Bonds). I know past performance does not guarantee future performance, but it seems solid to keep all the assets in VTSAX. What am I missing?
SWTSX is just the Schwab version of the Total Market index fund. It is very similar to VTSAX. Both are very tax efficient. Personally, i much prefer the layout and customer service of the Schwab platform. You should be fine with SWTSX in your taxable account. One thing you don't want to do is put target date funds in your taxable account as that can trigger more capital gains distributions ...
Apologies if I'm posting this in wrong forum section. I'm US/EU/Canadian citizen. I plan to either move back to Canada or EU in the future. Does this mean once I move I will no longer be allowed to invest in VTSAX and will only be able to invest in VTI? I read a comment somewhere on google that this is the case. Comment being "Generally, US mutual fund regulations don't allow non-US residents ...
I'm not 100% VTSAX, but pretty leaned into it (and the S&P fund through my 401k). But for someone at your age who wants to keep it simple and forgettable, 100% VTSAX (or a Vanguard 500 fund if that's all you have through your 401k) is a decent option. Just get ready to keep steady and not give into panic when market swings hit you proportionally.
I started investing in 2017 and just found out that instead of investing in the ETF this whole time Ive been in the mutual fund. What should I do now? Stop investing in VTSAX and start VTI or sell VTSAX and buy VTI? I dont have any retirement accounts. 33 years old. Dont plant to use this portfolio for at least another 20 years. Here is the current portfolio at Vanguard (1m total): VBTLX 14% ...