Updated- May 5, 2017

Fidelity Portfolios   T. Rowe Portfolios

Paul’s Mutual Fund Recommendations For Vanguard

Vanguard Tax Deferred Portfolios

Fund

Symbol Aggressive Moderate Conservative
Vanguard 500 Index Admiral Shares       VFIAX 11% 6% 4%
Vanguard Value Index Admiral Shares VVIAX 11% 7% 5%
Vanguard Tax-Managed Small-Cap Admiral Shares VTMSX 11% 7% 4%
Vanguard Small-Cap Value Index Admiral Share VSIAX 12% 7% 5%
Vanguard REIT Index Admiral Shares VGSLX 5% 3% 2%
Vanguard Developed Markets Index Admiral Shares VTMGX 9% 6% 3%
Vanguard International Value VTRIX 18% 10% 7%
Vanguard FTSE All-World ex-US Small Cap Index VFSVX 9% 5% 4%
Vanguard Emerging Mkts Stock Index Admiral Shares VEMAX 9% 6% 4%
Vanguard Globel Ex-US Real Estate Index Admiral Shares VGRLX 5% 3% 2%
Short-Term Government Bond Index Admiral Shares VSBSX 0% 12% 18%
Intermediate-Term Government Bond Index Admiral Shares VSIGX 0% 20% 30%
Short-Term Inflation-Protected Securities Index Admiral Shares VTAPX 0% 8% 12%
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In 2016 I changed many of my Vanguard recommendations from “Investor Shares” to “Admiral Shares.” The minimum for most Admiral Shares is $10,000, while the minimum for Investor Shares is normally $3,000. Vanguard also has very low cost ETFs with fees that are lower than Investor Shares. Of course ETFs have other challenges that make it easier to buy Investor Shares. If you have questions about which are best for you, speak to a Vanguard advisor. If your account at Vanguard is worth over $50,000 you should qualify for a free consultation.

Vanguard Taxable Portfolios

Fund Symbol Aggressive Moderate Conservative
Vanguard 500 Index Admiral Shares VFIAX 12% 7% 5%
Vanguard Value Index Admiral Shares VVIAX 13% 8% 5%
Vanguard Tax-Managed Small-Cap Admiral Shares VTMSX 12% 7% 5%
Vanguard Small-Cap Value Index Admiral Share VSIAX 13% 8% 5%
Vanguard Developed Markets Index Admiral Shares VTMGX 10% 6% 4%
Vanguard International Value VTRIX 20% 12% 8%
Vanguard FTSE All-World ex-US SmCp Index VFSVX 10% 6% 4%
Vanguard Emerging Mkts Stock Index Admiral Shares VEMAX 10% 6% 4%
Intermediate-Term Government Bond Index Admiral Shares VSIGX 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 Corp Bond Index Admiral VSCSX Funds in excess of three to six months of living expenses

Vanguard Monthly Income Portfolio

Fund

Symbol Allocation
Vanguard Short-Term Corp Bond Index Admiral VSCSX 25%
Vanguard Intermediate-Term Corp Bond Index Admiral VICSX 25%
Vanguard GNMA VFIIX 25%
Vanguard High‐Yield Corporate VWEHX 25%