/biz/ - Business & Finance

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Anonymous Sat Feb 27 05:10:18 2016 No.1113438 [Reply] [Original]

Hey /biz/

Got at least 5k that I'd like to put into a mutual fund or etf as well as starting recurring monthly deposits. The question is, what is the most common/best to use. I'm in australia and looking at the vanguard retail managed funds

https://www.vanguardinvestments.com.au/retail/jsp/investments/all-products#/retail

And their etfs

https://www.vanguardinvestments.com.au/retail/jsp/investments/all-products#/etf

But not sure what to choose, thoughts?

>>	Anonymous Sat Feb 27 06:19:00 2016 No.1113486 bump

>>	Anonymous Sat Feb 27 07:56:01 2016 No.1113541 .

>>	Anonymous Sat Feb 27 07:59:40 2016 No.1113547 5k isn't enough to make a significant gain

>>	Jardarlol Sat Feb 27 10:21:30 2016 No.1113677 >>1113438 isnt the minimum buy-in 100k just put it in savings til you have at least 20k but preferably more

>>	Anonymous Sat Feb 27 13:53:17 2016 No.1113983 >>1113438 I just put in 11K and have a 4 funds. 40% in VTI - Total US Stock Market ETF 30% in VXUS - International Stock ex-US ETF 20% in BND - Total Bond Market ETF 10% in VNQ - REIT Index Fund Rate and offer suggestions if necessary.

>>	Anonymous Sat Feb 27 19:46:34 2016 No.1114374 What's the minimum one should have before they start investing with mutual funds/etfs?

>>	Anonymous Sat Feb 27 20:34:19 2016 No.1114429 >>1114374 ETFs don't need much more than 100$ to start. Mutual funds usually start at 3K investment, and the ones w/ better rates are 10K+. Do ETFs until you get enough to get lower fees from the mutual funds.

>>	Anonymous Sat Feb 27 20:38:12 2016 No.1114438 My advice would be to buy shares in Whitehaven coal (WHC). Massive expansion projects are in the works and I'm confident their share price will more than double by years and and potently quintuple in 2 years

>>	Anonymous Sat Feb 27 20:46:48 2016 No.1114453 >>1114429 Once the 10k mark is hit what funds would be the ones to go with?

>>	Anonymous Sat Feb 27 21:02:46 2016 No.1114476 Bump

>>	iHaz !MILLiOnz/Q Sat Feb 27 21:08:08 2016 No.1114488 >>1113983 >40% in VTI - Total US Stock Market ETF >30% in VXUS - International Stock ex-US ETF >20% in BND - Total Bond Market ETF >10% in VNQ - REIT Index Fund Pretty damn good. Consider a 5% allocation to BNDX.

>>	Anonymous Sat Feb 27 22:28:15 2016 No.1114613 >>1114488 what would be the aus equivalent of this? would it go something similar to: 35% - VTS 30% - VGS 20% - VGB 10% - VAP 5% - VIF https://www.vanguardinvestments.com.au/retail/jsp/investments/all-products#/etf

>>	iHaz !MILLiOnz/Q Sat Feb 27 22:57:33 2016 No.1114646 >>1114613 >would it go something similar to I'm not extremely familiar with Vanguard's offerings outside the US, but yes, that looks like a solid portfolio build.

>>	Anonymous Sat Feb 27 23:09:42 2016 No.1114665 >>1114646 Thanks for the help!

Anonymous Sat Feb 27 23:27:31 2016 No.1114689

>>1114488

For someone new to vanguard

If I did an identical portfolio, do I pay taxes on it each year if all I plan to do is "set it and forget it"?

Loosely speaking of course, because I'll be adding to it every month, but no plans to take anything out in the near future.

iHaz !MILLiOnz/Q Sat Feb 27 23:48:28 2016 No.1114715
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>>1114689
Index funds (and ETFs) do pay dividends, interest, and maybe some (usually small) amount of capital gains. Those will be taxable outside of a 401k, IRA or similar.

When looking at information about any mutual fund, you can check the disclosures for information about the fund's historical distributions. This will usually be a good indicator.

>>	Anonymous Sat Feb 27 23:53:55 2016 No.1114723 >>1114715 Thank you

>>	Anonymous Sun Feb 28 19:12:19 2016 No.1115787 >>1114438 be aware of this stock as it was nearly $7 per share as of now its only .55

>>	Anonymous Sun Feb 28 21:12:16 2016 No.1115897 >>1114438 Whitehaven Coal, WHITF, not WHC. Yes, invest in a company that's lost 80% of it's value in the last 11 months, is on the verge of being delisted by the ASX, and every ratings agency says "Sell" or "Avoid." Back to /rhg/ with you.

>>	Anonymous Mon Feb 29 10:53:20 2016 No.1116444 File: 48 KB, 585x399, AmericanPsychoShot1.jpg [View same] [iqdb] [saucenao] [google] > saving for retirement > bond funds

>>	Anonymous Tue Mar 1 12:04:20 2016 No.1117911 >>1113983 Do you have this in an IRA or a general account?

>>	Anonymous Tue Mar 1 12:08:53 2016 No.1117925 Vanguard health care fund, whatever the symbol is. That's a growth field, and the price is still lower than it should be because of the recent bear market

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