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 Index AdmiralVFSAX9%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 what seems a 'race to the bottom' of lowest fees to investors, Vanguard announced Nov. 19, 2018 that it is broadening access to lower-cost Admiral™ Shares of its index funds for additional individual, advisor, and institutional clients. A filing was made with the Securities and Exchange Commission to:

  • Launch Admiral share classes for the following five funds in January 2019:
    • Vanguard FTSE Social Index Fund
    • Vanguard FTSE All-World ex-US Small Cap Index Fund
    • Vanguard High Dividend Yield Index Fund
    • Vanguard Long-Term Bond Index Fund
    • Vanguard Total World Stock Index Fund
  • Lower the Admiral share class minimum investment from $10,000 to $3,000 on the 38 index products listed here for retail investors and those accessing these products through fund supermarkets. This reduced minimum investment also applies to the five funds adding the Admiral share class. To read more about this at Vanguard, click here. 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 Small Cap IndexVFSAX10%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%

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