Paul Merriman
Sound Investing For Every Stage of Life 

Paul’s Mutual Fund Recommendations For Vanguard

Vanguard Tax Deferred Portfolios

Fund

SymbolAggressiveModerateConservative
Vanguard 500 Index Admiral Shares      VFIAX11%6%4%
Vanguard Value Index Admiral SharesVVIAX11%7%5%
Vanguard Tax-Managed Small-Cap Admiral SharesVTMSX11%7%4%
Vanguard Small-Cap Value Index Admiral ShareVSIAX12%7%5%
Vanguard Real Estate Index AdmiralVGSLX5%3%2%
Vanguard Developed Markets Index Admiral SharesVTMGX9%6%3%
Vanguard International ValueVTRIX18%10%7%
Vanguard FTSE All-World ex-US Small Cap IndexVFSVX9%5%4%
Vanguard Emerging Mkts Stock Index Admiral SharesVEMAX9%6%4%
Vanguard Global Ex-US Real Estate Index Admiral SharesVGRLX5%3%2%
Short-Term Government Bond Index Admiral SharesVSBSX0%12%18%
Intermediate-Term Government Bond Index Admiral SharesVSIGX0%20%30%
Short-Term Inflation-Protected Securities Index Admiral SharesVTAPX0%8%12%
.  

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

FundSymbolAggressiveModerateConservative
Vanguard 500 Index Admiral SharesVFIAX12%7%5%
Vanguard Value Index Admiral SharesVVIAX13%8%5%
Vanguard Tax-Managed Small-Cap Admiral SharesVTMSX12%7%5%
Vanguard Small-Cap Value Index Admiral ShareVSIAX13%8%5%
Vanguard Developed Markets Index Admiral SharesVTMGX10%6%4%
Vanguard International ValueVTRIX20%12%8%
Vanguard FTSE All-World ex-US SmCp IndexVFSVX10%6%4%
Vanguard Emerging Mkts Stock Index Admiral SharesVEMAX10%6%4%
Intermediate-Term Government Bond Index Admiral SharesVSIGX0%6%9%
Vanguard Limited Duration Tax-ExemptVMLTX0%16%24%
Vanguard Intermediate Term Tax-ExemptVWITX0%18%27%

Vanguard Emergency Fund Portfolio

Fund

SymbolAllocation
Vanguard Prime Money MarketVMMXXFirst three to six months worth of living expenses
Vanguard Short-Term Corp Bond Index AdmiralVSCSXFunds in excess of three to six months of living expenses

Vanguard Monthly Income Portfolio

Fund

SymbolAllocation
Vanguard Short-Term Corp Bond Index AdmiralVSCSX25%
Vanguard Intermediate-Term Corp Bond Index AdmiralVICSX25%
Vanguard GNMAVFIIX25%
Vanguard High‐Yield CorporateVWEHX25%