hi i'm 28 yo and i started an ira account in 2004 and put in 3k into
it. 1k in 500 Index Fund Inv, 2k in Windsor II Fund Inv. since i'm
self-employed i'm intersted in put in 6k into the account through
sep-ira. is it a good idea to buy the same funds that i chose
intially, or should i add vanguard REIT Index Fund? if so, how should
i allocate? TIA
dave
"dave" <> wrote in message
news:
> hi i'm 28 yo and i started an ira account in 2004 and put in 3k into
> it. 1k in 500 Index Fund Inv, 2k in Windsor II Fund Inv. since i'm
> self-employed i'm intersted in put in 6k into the account through
> sep-ira. is it a good idea to buy the same funds that i chose
> intially, or should i add vanguard REIT Index Fund? if so, how should
> i allocate? TIA
>
> dave
40% Vanguard Selected Value Fund
30% Vanguard International Explorer Fund or International Value
30% Vanguard Small Cap Growth Index
I'm not really happy with any of Vanguard's small cap choices but I think
this is an area which should be represented in your portfolio.
I would tend value on the small cap, but that breakdown looks good for a
28yo.
"Ed" <> wrote in message
news:
>
> "dave" <> wrote in message
> news:
>> hi i'm 28 yo and i started an ira account in 2004 and put in 3k into
>> it. 1k in 500 Index Fund Inv, 2k in Windsor II Fund Inv. since i'm
>> self-employed i'm intersted in put in 6k into the account through
>> sep-ira. is it a good idea to buy the same funds that i chose
>> intially, or should i add vanguard REIT Index Fund? if so, how should
>> i allocate? TIA
>>
>> dave
>
> 40% Vanguard Selected Value Fund
> 30% Vanguard International Explorer Fund or International Value
> 30% Vanguard Small Cap Growth Index
>
> I'm not really happy with any of Vanguard's small cap choices but I think
> this is an area which should be represented in your portfolio.
>
"NoEd" <> wrote in message
news:
>I would tend value on the small cap, but that breakdown looks good for a
>28yo.
I prefer small value as well but Vanguard offering is the pits.
Vanguard Selected Value fund is a great choice. The only problem I
see is it requires a minimum $25,000, whether non-IRA or IRA. I'm I
reading that right or is there a way to still get in at a lower
amount?
Jeff Y.
Las Vegas, NV
On Wed, 18 May 2005 03:43:28 -0400, "Ed" <> wrote:
>
>"dave" <> wrote in message
>news:
>> hi i'm 28 yo and i started an ira account in 2004 and put in 3k into
>> it. 1k in 500 Index Fund Inv, 2k in Windsor II Fund Inv. since i'm
>> self-employed i'm intersted in put in 6k into the account through
>> sep-ira. is it a good idea to buy the same funds that i chose
>> intially, or should i add vanguard REIT Index Fund? if so, how should
>> i allocate? TIA
>>
>> dave
>
>40% Vanguard Selected Value Fund
>30% Vanguard International Explorer Fund or International Value
>30% Vanguard Small Cap Growth Index
>
>I'm not really happy with any of Vanguard's small cap choices but I think
>this is an area which should be represented in your portfolio.
>
>
For direct replies, please shake off the "sand" from the e-mail address.
If $25,000 is more than people can or would like to put into a single fund
then Vanguard
Strategic Equity Fund would be a good substitute.
"Jeff Y." <> wrote
> Vanguard Selected Value fund is a great choice. The only problem I
> see is it requires a minimum $25,000, whether non-IRA or IRA. I'm I
> reading that right or is there a way to still get in at a lower
> amount?
>
> Jeff Y.
> Las Vegas, NV
>
>
>
> On Wed, 18 May 2005 03:43:28 -0400, "Ed" <> wrote:
>
>>
>>"dave" <> wrote in message
>>news:
>>> hi i'm 28 yo and i started an ira account in 2004 and put in 3k into
>>> it. 1k in 500 Index Fund Inv, 2k in Windsor II Fund Inv. since i'm
>>> self-employed i'm intersted in put in 6k into the account through
>>> sep-ira. is it a good idea to buy the same funds that i chose
>>> intially, or should i add vanguard REIT Index Fund? if so, how should
>>> i allocate? TIA
>>>
>>> dave
>>
>>40% Vanguard Selected Value Fund
>>30% Vanguard International Explorer Fund or International Value
>>30% Vanguard Small Cap Growth Index
>>
>>I'm not really happy with any of Vanguard's small cap choices but I think
>>this is an area which should be represented in your portfolio.
>>
>>
>
> For direct replies, please shake off the "sand" from the e-mail address.
OK on the Strategic Equity Fund alternative. I don't believe I
phrased my question correctly. I was looking at it from an IRA point
of view. If the most you can put into an IRA, $4000 in 2005 and $5000
in 2006, how would Vanguard accept your $4000 tender for the Selected
Value Fund when the minimum is $25,000? Not sure if I'm misreading
the info on their website but the only way I can see this happening is
if you move other funds in an IRA, traditional or Roth, totalling
$25,000 or greater.
Jeff Y.
Las Vegas, NV
On Thu, 19 May 2005 04:45:54 -0400, "Ed" <> wrote:
>If $25,000 is more than people can or would like to put into a single fund
>then Vanguard
>Strategic Equity Fund would be a good substitute.
>
>
>
>"Jeff Y." <> wrote
>
>> Vanguard Selected Value fund is a great choice. The only problem I
>> see is it requires a minimum $25,000, whether non-IRA or IRA. I'm I
>> reading that right or is there a way to still get in at a lower
>> amount?
>>
>> Jeff Y.
>> Las Vegas, NV
>>
>>
>>
>> On Wed, 18 May 2005 03:43:28 -0400, "Ed" <> wrote:
>>
>>>
>>>"dave" <> wrote in message
>>>news:
>>>> hi i'm 28 yo and i started an ira account in 2004 and put in 3k into
>>>> it. 1k in 500 Index Fund Inv, 2k in Windsor II Fund Inv. since i'm
>>>> self-employed i'm intersted in put in 6k into the account through
>>>> sep-ira. is it a good idea to buy the same funds that i chose
>>>> intially, or should i add vanguard REIT Index Fund? if so, how should
>>>> i allocate? TIA
>>>>
>>>> dave
>>>
>>>40% Vanguard Selected Value Fund
>>>30% Vanguard International Explorer Fund or International Value
>>>30% Vanguard Small Cap Growth Index
>>>
>>>I'm not really happy with any of Vanguard's small cap choices but I think
>>>this is an area which should be represented in your portfolio.
>>>
>>>
>>
>> For direct replies, please shake off the "sand" from the e-mail address.
>
>
For direct replies, please shake off the "sand" from the e-mail address.
"Jeff Y." <> wrote
> OK on the Strategic Equity Fund alternative. I don't believe I
> phrased my question correctly. I was looking at it from an IRA point
> of view. If the most you can put into an IRA, $4000 in 2005 and $5000
> in 2006, how would Vanguard accept your $4000 tender for the Selected
> Value Fund when the minimum is $25,000? Not sure if I'm misreading
> the info on their website but the only way I can see this happening is
> if you move other funds in an IRA, traditional or Roth, totalling
> $25,000 or greater.
You would have to exchange into it from other funds that had a value of
$25,000 or more.
OK, that's what I thought that's what would have to be done. I'm
surprised Vanguard doesn't lower the IRA limit to $5000 so new
contributions by individuals could be accepted. If they're worried
about people transfering from the fund in a short time, impose a fee,
even in the IRA.
Jeff Y.
Las Vegas, NV
On Fri, 20 May 2005 03:19:53 -0400, "Ed" <> wrote:
>
>"Jeff Y." <> wrote
>
>> OK on the Strategic Equity Fund alternative. I don't believe I
>> phrased my question correctly. I was looking at it from an IRA point
>> of view. If the most you can put into an IRA, $4000 in 2005 and $5000
>> in 2006, how would Vanguard accept your $4000 tender for the Selected
>> Value Fund when the minimum is $25,000? Not sure if I'm misreading
>> the info on their website but the only way I can see this happening is
>> if you move other funds in an IRA, traditional or Roth, totalling
>> $25,000 or greater.
>
>You would have to exchange into it from other funds that had a value of
>$25,000 or more.
>
>
For direct replies, please shake off the "sand" from the e-mail address.
"Jeff Y." <> wrote in message
news:
> OK, that's what I thought that's what would have to be done. I'm
> surprised Vanguard doesn't lower the IRA limit to $5000 so new
> contributions by individuals could be accepted. If they're worried
> about people transfering from the fund in a short time, impose a fee,
> even in the IRA.
>
>
> Jeff Y.
> Las Vegas, NV
In order to avoid paying the annual custodial fee you must maintain a
balance of $5,000 in the fund. They do have a 1% early redemption fee for
shares held less than 1 year. If your IRA is worth $25,000 you could sell
$20,000 of this fund and use the proceeds for other funds after 1 year to
avoid the fees.
Ah, OK. I knew that have that penalty on the High Yield Cororate Bond
Fund but I didn't read further down the page. It was funny when I
read the "minimum requirements" for the IRA in this fund as $25,000.
I was thinking, boy they raised the amount allowed to be contributed.
:) Anyhow, I see where I misread, as well as missed some stuff, on
the webpage.
Jeff Y.
Las Vegas, NV
On Fri, 20 May 2005 13:13:52 -0400, "Ed" <> wrote:
>
>"Jeff Y." <> wrote in message
>news:
>> OK, that's what I thought that's what would have to be done. I'm
>> surprised Vanguard doesn't lower the IRA limit to $5000 so new
>> contributions by individuals could be accepted. If they're worried
>> about people transfering from the fund in a short time, impose a fee,
>> even in the IRA.
>>
>>
>> Jeff Y.
>> Las Vegas, NV
>
>In order to avoid paying the annual custodial fee you must maintain a
>balance of $5,000 in the fund. They do have a 1% early redemption fee for
>shares held less than 1 year. If your IRA is worth $25,000 you could sell
>$20,000 of this fund and use the proceeds for other funds after 1 year to
>avoid the fees.
>
>
For direct replies, please shake off the "sand" from the e-mail address.