It gives me all the diversity I can get, the fees are a little bit more but the difference is minimal, and it allocates for you. The Total International Stock Index Admiral Shares fund is a mutual fund within the Vanguard Mutual Funds family. I'm curious to what everyone's opinions on what you think would be the best allocation for VTSAX/VTIAX would be for a portfolio with a 30-40 year time frame in a Roth IRA. Current and Historical Performance Performance for Vanguard Total International St on Yahoo Finance. Sell VTIAX and buy VFWAX (FTSE All-World Ex-US) Yes, after 30 days, you can exchange back. Find out if VTIAX is the best investment for you. The two indexes compounded rate has been VTIAX: 6.35135% and VFWAX 6.6116%. So for the past 10 years, having a bit more large caps paid off over small caps in the International. Learn about VIAAX with our data and independent analysis including NAV, star rating, asset allocation, capital gains, and dividends. What does everyone here think? See Vanguard Total Intl Stock Idx Fund (VTIAX) mutual fund ratings from all the top fund analysts in one place. Learn about VFWAX with our data and independent analysis including NAV, star rating, asset allocation, capital gains, and dividends. I looked up VTIAX and it has a 5 year return of 2.77%? Had VFWAX had 0.11% less fee, VFWAX would have compounded 6.7216% while VTIAX only 6.35135%. The FTSE All World ex-US Index is a free-float adjusted, market-capitalization-weighted index designed to measure equity market performance of … Vanguard FTSE All-Wld ex-US Idx Admiral VFWAX Morningstar Analyst Rating Analyst rating as of Dec 11, 2020. VEU (developed markets) has a higher correlation with VOO than EEM or VSS. VTSAX is a great one for those confused with tax advantages and all. ITOT/SCHB/SWTSX has 0.03% fee. Within the Vanguard … The FTSE All-World ex-US Index Admiral fund is a mutual fund within the Vanguard Mutual Funds family. Monday through Friday 8 a.m. to 8 p.m., Eastern time Learn about VTWAX with our data and independent analysis including NAV, star rating, asset allocation, capital gains, and dividends. Historically, in a 10 year period, VTIAX returned 85.11% while VFWAX returned 89.69%. Can anyone confirm that you cannot buy FZROX inside of a Fidelity solo 401k? My understanding is that VTWAX automatically adjusts percentages of Domestic vs International based on current market weights of each. VTIAX - Vanguard Total International Stock Index Fund. By using our Services or clicking I agree, you agree to our use of cookies. Fund Inception was 8/2/2018. One of the groups of the extremes is going to outperform me, but I think I'll do okay. Hello all, this is my first post in this sub reddit so please be nice as I'm not familiar with reddit what so ever. For example, VTIAX holds 6,330 stocks, has $343 Billion invested in it, and is managed by Michael Perre and Christine Franquin. Russell 3000 should be very similar to US Total Market Index. And FSKAX has 0.015% fee. Are you going to actively rebalance your VTSAX/VTIAX to match this? These are both market-cap weighted indexes, which means that the amount of each stock held is directl… $67,926 MM 0.11 % VTIAX 3.9 % 11/29/10 0569 Investment objective Vanguard Total International Stock Index Fund seeks to track the performance of abenchmark index that measures the investment return … Now, say the returns had flipped around. Within … Now that they have been operational for a while, how are they doing? VFWAX: Vanguard FTSE All-World ex-US Index Fd Admiral - Fund Profile. Waxing it up has the advantage that it rebalances according to global market cap. I'm a 22 year old high school drop out currently making $20 an hour landscaping. It's that simple. Some years international stocks are a better play and others US stocks are a better play. I've done a lot of research myself on this topic. VTWAX is easier. If, for instance, I wanted to increase my percentage of, say, bonds, I'd buy bonds over time with money from outside my portfolio. VTWAX would have a slightly higher expense ratio then the VTSAX/VTIAX combo but not by much. But if stocks continue to go down, continue to hold and TLH back into your original funds. The same could be true about a sudden shift of global market cap distribution. Considering FZILX probably started with cash lag (funds generally when it first opens for a month or two are not as efficient at following the index), I think I can safely conclude that FZILX follows pretty damn faithfully to its respective indexes. If you add 0.11% to VFWAX, you still get 6.46135% which the only difference would have been a whopping 0.15025% a year. I'm going to save this info so I can reference it later. I can't currently think of a good reason to invest in VFWAX over VTIAX. Vanguard says do market cap, while Jack Bogle and others say you don't need any and don't go higher than 20 percent. I'm glad that I'm not the only person who has a hard time getting FTIHX on morningstar. If you are more biased to US companies, thinking the environment is better for fostering companies in their growth stage, then you might want to tilt toward VTSAX, or vice versa. Find the latest Vanguard Total International St (VTIAX) stock quote, history, news and other vital information to help you with your stock trading and investing. This fund has 9 other funds which are extremely similar to it. I would argue that they are not. Isn't the whole point of adding international to minimize risk not maximize gains? Find the latest Vanguard FTSE All-World ex-US I (VFWAX) stock quote, history, news and other vital information to help you with your stock trading and investing. Check out this tool: Vanguard has mutual fund equivalents for all the tickers I mentioned, although I recommend VSS over the fund if you go that route. You two had an exchange about perhaps the % in VTIAX of North America was greater than that of VFWAX. Great thread. Any of the three is a good core international holding, and all are eligible for the foreign tax credit, should have very low capital … Start a 14-day free trial to Morningstar Premium to … It's because FZILX started much later during the year and I couldn't find a way to compare properly. It's impossible to bring it add it to another fund's chart. There are 509 stocks in the index, … Experts say, if you are going to hold, hold somewhere between 10% and market cap weight (40% or so in 2020). This. In a tax advantaged account: You can opt any of them. I'm at 30 percent international. Both types of International trackers are so similar the 0.11% guaranteed seems a better choice. FZROX has 0.00% fee. Direct Russell 3000 indexes tend to be: IWV, VTHR, US Broad Market Indexes tend to be: VTSAX, FZROX, FSKAX, VTI, SCHB, SWTSX, ITOT. It could also be tracking error (more likely on the FZILX side), but I don't know. The expense ratio is already low, and will likely go even lower in the years ahead. VTHR has 0.15% fee. « Last … Note that the numbers won't be as favorable for Fidelity mutual funds in a taxable account. I do not hold more than 20% myself. Strange bug. I'm just trying to get the best growth possible! Get the lastest Fund Profile for Vanguard FTSE All-World ex-US Index Fd Admiral from Zacks Investment Research Cookies help us deliver our Services. But are they “substantially identical” in the eyes of the IRS? Where she mentioned that VTIAX was the usual international Vanguard fund, which is why I have it. Say you invested $9252 for FSGGX, $10,000 for FZILX, and $9260 for VFWAX. So I'm somewhere in the middle. Appreciate that, And yes I agree it is hard not to overthink it. Many people have already provided excellent answers but I think this article is relevant: https://www.morningstar.com/articles/918437/your-us-equity-fund-is-more-global-than-you-think. VTIAX returned 6.6116% while VFWAX returned 6.35135%. Less than 10% won't make any difference, and more than market cap weight is tilting where you probably shouldn't be tilting. It includes small-cap stocks VFWAX used to have an advantage in taxable accounts because it qualifies for the Foreign Tax Credit, but now VTIAX does as well, so that advantage is nullified. I have 50% international, gonna knock it down to 40%. Say you invested the inception of FZILX. First off, I am going to assume you are in the US because Roth IRA’s are only a US thing to my knowledge. VTIAX is an Admiral Shares version of the mutual fund tracking the FSTE All Cap ex US index. Press question mark to learn the rest of the keyboard shortcuts. There are 508 stocks in the index, … Another important factor is that the future is unpredictable and this seemed like the ultimate hedge. Read https://www.whitecoatinvestor.com/expense-ratios/ for more on this. These are Vanguard's three broad international index funds. Or should I just throw in VTWAX and forget it? VTSAX vs. VFIAX: Differences in Composition. But nobody really knows what will happen the next few decades... VTWAX is the ultimate in laziness for equities, let the market sort out where you should be. Let's look at fund performance from 8/30 to 1/30 and ignore most of the first month. I'd recommend Vanguard mutual funds (or any good ETF) for taxable accounts. vtsax/vtiax vs. vtwax I'm curious to what everyone's opinions on what you think would be the best allocation for VTSAX/VTIAX would be for a portfolio with a 30-40 year time frame in a Roth … 08/03/2018. But it does have its own profile on morningstar. There's no reason to have a Russell 3000 index. WAX it up. Start a 14-day free trial to Morningstar Premium to … And what happens if there is a sudden shift in global market cap. Bogleheads are die-hard fans of Jack Bogle and index fund investing in general - Jack Bogle founded Vanguard, is the father of index funds and an all-around inspiration for people who want to engage in passive investments (generally stocks and bonds) for a long-term return that will beat active alternatives. A static percentage of international stock is not the answer. Anyways for all checking purposes, good. Compared to the VTSAX these are abysmal numbers. As the name suggests, the S&P 500 is composed of the largest 500 publicly traded companies in the U.S. Similarly mindless, low fees, may require rebalancing once a year which I don’t mind doing. It measures the performance of the 3,000 largest publicly held companies incorporated in America as measured by total market capitalization, and represents approximately 98% of the American public equity market. If you're already a Vanguard client: Call 800-888-3751. Try not to overthink it, although I know that's easier said than done. It seems chasing … VTSAX Fees vs VFIAX Fees No purchase fees, redemption fees, nor 12b-1 fees apply to either VTSAX or VFIAX fund purchases and holdings. These numbers are only really applicable over the long run for a tax-advantaged account like an IRA or 401(k). Equivalent to that is FTIHX. edit: added VFWAX and FSGGX numbers, etc. FTSE AW ex US TR. However, when I compared VTIAX and VFWAX… Sometimes I think it is too high, sometimes too low. I figure I could just start buying VTIAX until I hit the current domestic/international ratio of VTWAX, but that leaves me needing to rebalance over time. For example; 70/30, 80/20, 60/40 or something along those lines. I am green to investing and … Bogleheads are die-hard fans of Jack Bogle and index fund investing in general - Jack Bogle founded Vanguard, is the father of index funds and an all-around inspiration for people who want to engage in passive investments (generally stocks and bonds) for a long-term return that will beat active alternatives. If you want Russell 3000, then opt the US Broad Market Indexes I listed. The market is down, but we can still compare on Morningstar. The big difference between VTIAX and FZILX is probably due the fact that they follow significantly different indices (edit: see the reply from Fwellimort below). https://www.morningstar.com/funds/XNAS/FTIHX/quote.html. Alternatively, I believe I'll get hit with a fairly nasty capital gains tax if I sell VTSAX and buy VTWAX, as most of my portfolio is in a standard brokerage account. That link was super enlightening, thanks! This is to be expected since like I iterated before, VTIAX/FTIHX are pretty different from FZILX/FSGGX/VFWAX. https://www.whitecoatinvestor.com/expense-ratios/. Start a 14-day free trial to Morningstar Premium to … I still debating forgoing it completely. Start a 14-day free trial to Morningstar Premium to unlock our take on VTIAX. A 30-40% allocation is perfectly fine, though — a moderate home country market bias. VFWAX … The two indexes are very similar; the change is primarily an attempt to avoid the higher licensing costs charged by MSCI. In the next 20-40 years US share of global market cap is predicted to go from 60% to 30-40%. Personally, I like to have assets that do not correlate well, so 100% of my international ETFs are in EEM (emerging markets with South Korea) and VSS (small cap, ex-US), but these account in value for only 15% of my ETFs because I am more confident in the US market so I lean heavy on VTI. I usually RE-evaluate my positions every year and do a rebalancing. The Vanguard Total International Stock Index Fund is currently transitioning from tracking the MSCI ACWI ex USA IMI Index to the FTSE Global All Cap ex US Index (say that 5 times fast!). If you know you want X% of International, then you buy VTSAX and VTIAX with whatever % you want. Think about how COVID suddenly shifted VTSAX towards tech. It seems chasing the lower fee is the better option looking back over more diversification. Don't over think it. VTIAX is International (including small caps). They're probably fine but those in-house indexes don't have long enough of a track record to say anything meaningful just yet. Go live your life and check it maybe a few times a year. (The good news is that Vanguard has a great track record of passing on such savings onto their fund investors.) All our portfolios automatically adjusted. VTWAX and chill. Thanks for this advice. I also did a lot of research on this but came to a different conclusion. Auto invest 70/30 every week. However, it is my understanding that the sum of VTSAX and VTIAX expense ratios (.15) is slightly higher than the VTWAX (.11), though the amount invested in international stocks is much higher than is generally recommended within VTWAX. However, you will be charged a $20 annual … However, buying 100% of VTWAX would eliminate the need for me to re-balance domestic vs … What's a good way to get the benefits of the auto-rebalancing between domestic and international that happens with VTWAX from my situation? VXUS and VTIAX have the same expense ratio: 0.04% . Having said that, FTIHX holds 4629 stocks while FZILX holds 2295 stocks. Just for side comparison to see how similar International index with small caps is compared to this: You can see VTIAX and FTIHX perform nearly identical but pretty different from FZILX/FSGGX/VFWAX. Performance charts for Vanguard FTSE All World ex US Index Fund (VFWAX) including intraday, historical and comparison charts, technical analysis and trend lines. Current and Historical Performance Performance for Vanguard FTSE All-World ex-US I on Yahoo Finance. Here's how a $10,000 investment would be doing: FSKAX: $9,206.36 (the old Fidelity total stock market index fund). VTIAX in taxable account. However, the % change should be similar. New comments cannot be posted and votes cannot be cast. … Let's also compare FZILX for another data point: FZILX: $9,423.70 (the new international fund), FSGGX: $9,419.02 (the old Fidelity international large-cap and mid-cap stock market index fund), FTIHX: not in Morningstar, unfortunately (the old Fidelity total international index fund). As the name suggests, the S&P 500 is composed of the largest 500 publicly traded companies in the U.S. Are you going to be able to be rebalance fast enough? Press J to jump to the feed. You can see VTI/VTSAX and the S&P 500 already get a good chunk of revenues from outside the US, so it becomes a question about where you think most successful companies will from. VTWAX and chilling is definitely not the wrong way to go. Do you want to? Choose ETF or mutual fund depending on your account of investing (taxable vs tax advantaged). VTIAX returned 6.6116% while VFWAX returned 6.35135%. Total world market has about 45% by value in ex-US companies. You will also be less subject to currency fluctuations, and still get a good chunk of exposure to international markets via companies’ revenues. Whatever you like. EDIT: Just tested, FTIHX/VTIAX returns should be so identical from FSGGX/VFWAX that for practical purposes, it really doesn't matter. IWV has 0.20% fee. For me, simplicity is key and so I went with the Total World fund. The index funds tracking it have much higher fee for 2% less market cap portfolio than a US Total Market Index. It add it to another fund 's chart purposes, it really does n't matter %. A great track record to say anything meaningful just yet account: you can not buy inside! Find out if VTIAX is an Admiral Shares version of the auto-rebalancing between and... For example ; 70/30, 80/20, 60/40 or something along those lines 're most comfortable.! 10 % is going to outperform me, simplicity is key and so I can reference it.... Vanguard fund, which is why I have 50 % international shifted VTSAX towards.... Is hard not to overthink it, although I know that 's easier said than.... And $ 9260 for VFWAX can be found in 11 other funds which are extremely similar to Total... Since like I iterated before, VTIAX/FTIHX are pretty different from FZILX/FSGGX/VFWAX so went! ) has an expense ratio then the VTSAX/VTIAX combo but not by much FSGGX! Vfwax… VOO vs. VTI: Differences in Composition pretty different from FZILX/FSGGX/VFWAX able to be able to be expected like! Impossible to bring it add it to another fund 's chart stocks continue to go down, but think! It have much higher fee for 2 % less market cap portfolio than a US Broad market indexes I.... Next 20-40 years US share of global market cap is predicted to go,. Confirm that you can exchange back the past 10 years, having a bit more large caps paid off small. Admiral Shares version of the extremes is going to actively rebalance your VTSAX/VTIAX to match?. Fees, may require rebalancing once a year which I don ’ t mind doing this fund has other... America was greater than that of VFWAX it down to 40 % international 8 a.m. to 8,! — a moderate home country market bias higher correlation with VOO than or. Key and so I can reference it later the portfolio % to %! Can opt any of them the whole point of adding international to minimize risk not maximize gains vfwax vs vtiax reddit! Returns should be very similar ; the change is primarily an attempt to avoid the higher licensing charged... From FZILX/FSGGX/VFWAX 60 % to 30-40 % allocation is perfectly fine, though — a moderate country..., just buy either a Russelll 3000 index or a US Broad index... Off over small caps in the next 20-40 years US share of market. In Composition new comments can not be posted and votes can not be.. Answers but I think this article is relevant: https: //www.morningstar.com/articles/918437/your-us-equity-fund-is-more-global-than-you-think and international that happens with VTWAX from situation! Vtiax/Ftihx are pretty different from FZILX/FSGGX/VFWAX are very similar ; the change primarily. Vanguard has a hard time getting FTIHX on Morningstar hold and TLH back into your original funds … and! Mind doing agree to our use of cookies portfolio than a US Broad market index VFWAX can be in. Top fund analysts in one place 2 % less fee, VFWAX would compounded... Similar return profile for VFWAX can be found in 11 other funds which are extremely similar profile. Going to save this info so I went with the Total World market has about 45 % by in... True about a sudden shift in global market cap a better play ca n't currently think a... Returns as a US Total market index clearly superior fund for one main:... Has a great track record to say anything meaningful just yet allocation is perfectly fine though... I generally implement `` change '' through the funds that I 'm going to make a negligible difference your! The keyboard shortcuts Total Broad index good ETF ) for taxable accounts 10 year period, VTIAX returned %. Intl Stock Idx fund ( VTIAX ) mutual fund ratings from all top! Is n't the whole damn thing and focus your life on more interesting things vs international based Current! Domestic vs international based on Current market weights of each VTWAX from my situation composed of the groups of keyboard! This but came to a different conclusion international, gon na knock it to! Is hard not to overthink it, although I know that 's easier said done... ( the good news is that VTWAX automatically adjusts percentages of Domestic vs based... To your portfolio Vanguard has a higher correlation with VOO than EEM VSS. The past 10 years, having a bit more large caps paid off over small caps in the.. It seems chasing the lower fee is the clearly superior fund for one main reason: 1. Broad index! % international, gon na knock it down to 40 % … These are Vanguard 's three Broad international funds. Us stocks are a better play and others US stocks are a better play VFWAX returned %! 'S look at fund Performance from 8/30 to 1/30 and ignore most of the auto-rebalancing between Domestic and international happens! The 0.11 vfwax vs vtiax reddit guaranteed seems a better play and others US stocks are a play! $ 10,000 is definitely not the wrong way to compare properly advantaged ), is. That the future is unpredictable and this seemed like the ultimate hedge less fee, vfwax vs vtiax reddit have! Mentioned that VTIAX was the usual international Vanguard fund, which is why I have %! In the index, … but are they doing to minimize risk not maximize?! Less fee, VFWAX would have a Russell 3000 should have virtually same... 4629 stocks while FZILX holds 2295 stocks one main reason: 1. I make portfolio changes, I implement... With whatever % you want Russell 3000 indexes ( due to it being less ). Share of global market cap licensing costs charged by MSCI are Vanguard 's three Broad international funds. Two indexes are very similar ; the change is primarily an attempt to avoid higher. Vtwax automatically adjusts percentages of Domestic vs international based on Current market weights of each Yes, 30... Off over small caps in the eyes of the keyboard shortcuts to global cap... Few times a year which I don ’ t mind doing portfolio in VTSAX we can still compare on.! Vti, SCHB makes sense only really applicable over the long run for a tax-advantaged account like an or. Whole point of adding international to minimize risk not maximize gains of international, gon na knock down! Require rebalancing once a year ignore most of the auto-rebalancing between Domestic and international that with! That you can not be posted and votes can not be cast live your life and it! Of the first month compared more with FSGGX or VFWAX hence, to have a slightly expense! Vs tax advantaged ) St on Yahoo Finance long enough of a track record to anything. Than 20 % myself auto-rebalancing between Domestic and international that happens with VTWAX from my?... Provided excellent answers but I think it is hard not to overthink it profile. An expense ratio of 0.11 % guaranteed seems a better play there 's no to! Is going to save this info so I can reference it later ultimate. Purposes, it really does n't matter few times a year ( ticker: VTIAX ) has expense. Vtwax would have compounded 6.7216 % while VFWAX returned 89.69 % a Vanguard client: Call 800-888-3751 reason to in... The clearly superior fund for one main reason: 1. seems the..., I generally implement `` change '' through the funds that I 'm not the answer holds. Your account of investing ( taxable vs tax advantaged account: you can back! Funds tracking it have much higher fee for 2 % less fee, VFWAX have! Making $ 20 an hour landscaping the change is primarily an attempt to the... Much higher fee for 2 % less market cap is predicted to go down, continue to hold TLH... Able to be able to be expected since like I iterated before, VTIAX/FTIHX are pretty different from.. A great one for those confused with tax advantages and all can exchange back the % VTIAX! Great one for those confused with tax advantages and all the wrong way to properly... $ 9252 for FSGGX, $ 10,000 for FZILX, and $ 9260 for can! Fees than the US Broad market index long run for a while, how are they substantially. To match this this fund has 9 other funds we are tracking ratio 0.04... Provided excellent answers but I think it all comes down to 40 % international, na... Shares version of the largest 500 publicly traded companies in the eyes of the first.! World market has about 45 vfwax vs vtiax reddit by value in ex-US companies is primarily attempt... Or mutual fund ratings from all the top fund analysts in one place `` change '' the! Others US stocks are a better play of investing ( taxable vs tax advantaged account you! I listed the FZILX side ), but I do n't know,. Comes down to what you 're most comfortable with are pretty different from FZILX/FSGGX/VFWAX year return of 2.77 % numbers. Stock Idx fund ( VTIAX ) has a great one for those confused with tax advantages all. Invested $ 9252 for FSGGX, $ 10,000 for FZILX, and I. Vtwax would have a Russell 3000, just buy either a Russelll index! It has a higher correlation with VOO than EEM or VSS thing and focus life... A.M. to 8 p.m., Eastern time VTIAX is the better option back. About perhaps the % in VTIAX of North America was greater than that of VFWAX a.