Paul's Mutual Fund and ETF Recommendations
Last Updated: July 31, 2012
Vanguard Tax-Deferred Portfolios
|
Fund |
Symbol |
Aggressive |
Moderate |
Conservative |
|---|---|---|---|---|
|
Vanguard 500 Index Investor |
VFINX |
10% |
6% |
4% |
|
Vanguard Value Index Inv |
VIVAX |
10% |
6% |
4% |
|
Vanguard Small Cap Index Inv |
NAESX |
10% |
6% |
4% |
|
Vanguard Small Cap Value Index Inv |
VISVX |
10% |
6% |
4% |
|
Vanguard REIT Index Inv |
VGSIX |
10% |
6% |
4% |
|
Vanguard Developed Markets Index Inv |
VDMIX |
10% |
6% |
4% |
|
Vanguard International Value Inv |
VTRIX |
20% |
12% |
8% |
|
Vanguard FTSE All‐Wld ex‐US SmCp Idx Inv |
VFSVX |
10% |
6% |
4% |
|
Vanguard Emerging Mkts Stock Idx |
VEIEX |
10% |
6% |
4% |
|
Vanguard Short‐Term Treasury Inv |
VFISX |
0% |
12% |
18% |
|
Vanguard Interm‐Term Treasury Inv |
VFITX |
0% |
20% |
30% |
|
Vanguard Inflation‐Protected Secs Inv |
VIPSX |
0% |
8% |
12% |
Vanguard Tax-Managed Portfolios
|
Fund |
Symbol |
Aggressive |
Moderate |
Conservative |
|---|---|---|---|---|
|
Vanguard 500 Index |
VFINX |
12% |
7% |
5% |
|
Vanguard Value Index |
VIVAX |
13% |
8% |
5% |
|
Vanguard Small Cap Index |
NAESX |
12% |
7% |
5% |
|
Vanguard Small Cap Value Index |
VISVX |
13% |
8% |
5% |
|
Vanguard Developed Markets Index |
VDMIX |
10% |
6% |
4% |
|
Vanguard International Value |
VTRIX |
20% |
12% |
8% |
|
Vanguard FTSE All-World ex-US Small Cap Index |
VFSVX |
10% |
6% |
4% |
|
Vanguard Emerging Markets Index |
VEIEX |
10% |
6% |
4% |
|
Vanguard Intermediate Term US Treasuries |
VFITX |
0% |
6% |
9% |
|
Vanguard Limited Duration Tax-Exempt |
VMLTX |
0% |
16% |
24% |
|
Vanguard Intermediate Term Tax-Exempt |
VWITX |
0% |
18% |
27% |
Vanguard Emergency Fund Portfolio
|
Fund |
Symbol |
Allocation |
|---|---|---|
|
Vanguard Prime Money Market |
VMMXX |
First three to six months worth of living expenses |
|
Vanguard Short Term Investment Grade |
VFSIX |
Funds in excess of three to six months of living expenses |
Vanguard Monthly Income Portfolio
|
Fund |
Symbol |
Allocation |
|---|---|---|
|
Vanguard Short‐Term Investment‐Grade Inv |
VFSTX |
25% |
|
Vanguard Interm‐Term Invmt‐Grade Inv |
VFICX |
25% |
|
Vanguard GNMA Inv |
VFIIX |
25% |
|
Vanguard High‐Yield Corporate Inv |
VWEHX |
25% |
Fidelity Tax-Deferred Portfolios
|
Fund |
Symbol |
Aggressive |
Moderate |
Conservative |
|---|---|---|---|---|
|
Fidelity Spartan 500 Index Inv |
FXSIX |
11% |
6% |
4% |
|
Fidelity Large Cap Value Enhanced Index |
FLVEX |
11% |
7% |
5% |
|
Fidelity Small Cap Enhanced Index |
FCPEX |
11% |
7% |
4% |
|
Fidelity Small Cap Value |
FCPVX |
12% |
7% |
5% |
|
Fidelity Real Estate Investment |
FRESX |
5% |
3% |
2% |
|
Fidelity Spartan International Index Inv |
FSIIX |
9% |
6% |
3% |
|
Fidelity International Value |
FIVLX |
18% |
10% |
7% |
|
Fidelity International Small Cap Opp |
FSCOX |
9% |
5% |
4% |
|
Fidelity Emerging Markets |
FEMKX |
9% |
6% |
4% |
|
Fidelity International Real Estate |
FIREX |
5% |
3% |
2% |
|
Fidelity Intermediate Government Inc |
FSTGX |
0% |
20% |
30% |
|
Fidelity Spartan S/T Tr Bd Idx Inv |
FSBIX |
0% |
12% |
18% |
|
Fidelity Inflation‐Protected Bond |
FINPX |
0% |
8% |
12% |
T. Rowe Price Tax-Deferred Portfolios
|
Fund |
Symbol |
Aggressive |
Moderate |
Conservative |
|---|---|---|---|---|
|
T. Rowe Price Equity Index 500 |
PREIX |
10% |
6% |
4% |
|
T. Rowe Price Value |
TRVLX |
10% |
6% |
4% |
|
T. Rowe Price Small‐Cap Stock |
OTCFX |
10% |
6% |
4% |
|
T. Rowe Price Small‐Cap Value |
PRSVX |
10% |
6% |
4% |
|
T. Rowe Price Real Estate |
TRREX |
10% |
6% |
4% |
|
T. Rowe Price International Eq Index |
PIEQX |
10% |
6% |
4% |
|
T. Rowe Price Intl Gr & Inc |
TRIGX |
20% |
12% |
8% |
|
T. Rowe Price International Discovery |
PRIDX |
10% |
6% |
4% |
|
T. Rowe Price Emerging Markets Stock |
PRMSX |
10% |
6% |
4% |
|
T. Rowe Price Short‐Term Bond |
PRWBX |
0% |
12% |
18% |
|
T. Rowe Price US Treasury Interm |
PRTIX |
0% |
20% |
30% |
|
T. Rowe Price Inflation Protected Bd |
PRIPX |
0% |
8% |
12% |
ETF Tax-Deferred Portfolios
The following portfolio is composed of my picks for the best ETFs anywhere, representing every asset class I recommend. These funds are available commission-free at discount brokerage houses, including Charles Schwab.
|
Fund |
Symbol |
Aggressive |
Moderate |
Conservative |
|---|---|---|---|---|
|
Schwab U.S. Large Cap |
SCHX |
11% |
6% |
4% |
|
Vanguard Value |
VTV |
11% |
7% |
5% |
|
Schwab U.S. Small Cap |
SCHA |
11% |
6% |
4% |
|
Vanguard Small Cap Value |
VBR |
12% |
7% |
5% |
|
Vanguard REIT Index |
VNQ |
5% |
3% |
2% |
|
Schwab International Equity |
SCHF |
9% |
5% |
3% |
|
iShares MSCI EAFE Value Index |
EFV |
9% |
6% |
4% |
|
Vanguard FTSE All‐Wld ex‐US SmCp Idx |
VSS |
9% |
5% |
3% |
|
WisdomTree International SmallCap Div |
DLS |
9% |
6% |
4% |
|
Schwab Emerging Markets Equity |
SCHE |
9% |
6% |
4% |
|
Vanguard Global ex‐US Real Estate |
VNQI |
5% |
3% |
2% |
|
iShares Barclays 1‐3 Year Treasury Bond |
SHY |
0% |
12% |
18% |
|
iShares Barclays 3‐7 Year Treasury Bond |
IEI |
0% |
20% |
30% |
|
iShares Barclays TIPS Bond |
TIP |
0% |
8% |
12% |