Comments on: Do I Need VISVX When I Own VTMSX? http://www.thesunsfinancialdiary.com/investing/do-i-need-visvx-when-i-own-vtmsx/ Fri, 03 Feb 2012 17:42:24 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Sunhttp://www.thesunsfinancialdiary.com/investing/do-i-need-visvx-when-i-own-vtmsx/#comment-16629 Sun Thu, 02 Aug 2007 03:01:12 +0000 http://www.thesunsfinancialdiary.com/investing/mutual-fund/do-i-need-visvx-when-i-own-vtmsx/#comment-16629 I use VTMSX as the core holding in my IRA account. Since the fund covers the entire US stock market, we can expect to get average return from the fund. Nothing spectacular. In some sense, VTMSX is quite conservative since the returns from different sectors are evened out. Adding VISVX is just to squeeze out a little bit more returns. I like small-cap funds, so I want a little bit larger percentage in small-caps. In addition, I also have VGTSX, the international index, and TIPS (VIPSX) and bonds (VBIIX). These funds give me the coverage of stocks (domestic and international) and bonds (long and intermediate). I use VTMSX as the core holding in my IRA account. Since the fund covers the entire US stock market, we can expect to get average return from the fund. Nothing spectacular. In some sense, VTMSX is quite conservative since the returns from different sectors are evened out. Adding VISVX is just to squeeze out a little bit more returns. I like small-cap funds, so I want a little bit larger percentage in small-caps. In addition, I also have VGTSX, the international index, and TIPS (VIPSX) and bonds (VBIIX). These funds give me the coverage of stocks (domestic and international) and bonds (long and intermediate).

]]> By: Matthttp://www.thesunsfinancialdiary.com/investing/do-i-need-visvx-when-i-own-vtmsx/#comment-16565 Matt Wed, 01 Aug 2007 15:14:25 +0000 http://www.thesunsfinancialdiary.com/investing/mutual-fund/do-i-need-visvx-when-i-own-vtmsx/#comment-16565 I support small cap tilting to enhance performance. While this will also increase risk, it should increase long-term perforance. You just need to be able to stay the course during times like the late 90s when large caps outperformed. I support small cap tilting to enhance performance. While this will also increase risk, it should increase long-term perforance. You just need to be able to stay the course during times like the late 90s when large caps outperformed.

]]> By: Johnhttp://www.thesunsfinancialdiary.com/investing/do-i-need-visvx-when-i-own-vtmsx/#comment-16519 John Wed, 01 Aug 2007 02:59:04 +0000 http://www.thesunsfinancialdiary.com/investing/mutual-fund/do-i-need-visvx-when-i-own-vtmsx/#comment-16519 Sun, Just curious if you have any International funds in your IRA. With the US growth slowing; it would not be a bad idea to explore emerging economies even in your IRA. Sun,
Just curious if you have any International funds in your IRA. With the US growth slowing; it would not be a bad idea to explore emerging economies even in your IRA.

]]> By: Lukehttp://www.thesunsfinancialdiary.com/investing/do-i-need-visvx-when-i-own-vtmsx/#comment-16511 Luke Wed, 01 Aug 2007 01:17:30 +0000 http://www.thesunsfinancialdiary.com/investing/mutual-fund/do-i-need-visvx-when-i-own-vtmsx/#comment-16511 Hey there...I caught this link over at genxfinance...Nice site!I have both VISVX and VTSMX [contained in my Vanguard 2045 fund, which is like 70% of that fund]...I am around 19% with VISVX and 20% with VTSMX...I think there is a nice balance to having the total market as a core fund and then also over-lapping in a sense with mid-caps and small-caps...I personally look at, with my younger age, VTSMX as almost a safe core investment and then from there I build riskier stuff around it...IMHO, VTSMX and other target funds are rather conservative...Your 4:1 ratio seems about right for US coverage...I have other funds that bring me up with the large-caps like VEIPX among others...I personally like at minimum, 10% in small caps....and might I add...If you got some money now, its a GREAT time to go shopping with the sale we got going on...Look forward to coming back...I got ya bookmarked... Hey there…I caught this link over at genxfinance…Nice site!

I have both VISVX and VTSMX [contained in my Vanguard 2045 fund, which is like 70% of that fund]…

I am around 19% with VISVX and 20% with VTSMX…I think there is a nice balance to having the total market as a core fund and then also over-lapping in a sense with mid-caps and small-caps…

I personally look at, with my younger age, VTSMX as almost a safe core investment and then from there I build riskier stuff around it…IMHO, VTSMX and other target funds are rather conservative…

Your 4:1 ratio seems about right for US coverage…I have other funds that bring me up with the large-caps like VEIPX among others…

I personally like at minimum, 10% in small caps….and might I add…If you got some money now, its a GREAT time to go shopping with the sale we got going on…

Look forward to coming back…I got ya bookmarked…

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