Updated- February 29, 2016

Fidelity Portfolios   T. Rowe Portfolios

Paul’s Mutual Fund Recommendations For Vanguard

Vanguard Tax Deferred Portfolios


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 REIT Index Admiral SharesVGSLX5%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 Globel 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%

Since Vanguard now makes their ETFs available  without minimums, I have decided to change the primary Vanguard mutual fund recommendations from Investor Shares to Admiral Shares.  The minimum for Admiral Shares is $10,000 compared to $3,000 minimums for the Investor Shares.  If you have questions speak with a Vanguard operator.  I have always found their telephone personnel very helpful.

Vanguard Taxable Portfolios

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


Vanguard Prime Money MarketVMMXXFirst three to six months worth of living expenses
Vanguard Short Term Investment GradeVFSTXFunds in excess of three to six months of living expenses

Vanguard Monthly Income Portfolio


Vanguard Short‐Term Investment‐GradeVFSTX25%
Vanguard Interm‐Term Invmt‐GradeVFICX25%
Vanguard GNMAVFIIX25%
Vanguard High‐Yield CorporateVWEHX25%