Anonymous wrote:

Anonymous wrote:VFIAX and VTSAX are almost identical. Why not add small cap, or better yet, international like VTIAX?

The whole point of a Roth is to accrue untaxed gains. Has international ever had more gains than total US stocks or gone up when US stocks went down?

DP. Yes actually- I just saw a chart on this last night but don't have the time to find it. Basically US has outperformed since 2011 but from 2001-2006, international outperformed. There were other prior periods where international outperformed but I don't recall off the top of my head.

Anonymous wrote:VFIAX and VTSAX are almost identical. Why not add small cap, or better yet, international like VTIAX?

OP here. Good question and good point. I am not a fan of international, mostly b/c it is just too hard to understand all the variables. For me it’s hard enough to understand the SP 500, but I more or less have confidence, long-term in US companies. But something to think about, VTIAX, yes. Thanks.

Anonymous wrote:Don’t do international funds.

All-in-one funds from institutions like Vanguard are roughly 35% international.

The FBI would call that a clue.

Don’t do international funds.

Anonymous wrote:

Anonymous wrote:VFIAX and VTSAX are almost identical. Why not add small cap, or better yet, international like VTIAX?

The whole point of a Roth is to accrue untaxed gains. Has international ever had more gains than total US stocks or gone up when US stocks went down?

Absolutely. Prior to 2009, international and US stocks had similar performance. You aren't very diversified if you invest in one country. But correlations have been fairly high over the last 20 years for large caps, so you are probably better off investing in small cap if you add international.

Whichever has the lowest fees

Anonymous wrote:Among my Vanguard MF, I have VFIAX. I will soon get 100k and am wondering if I should add it to VFIAX, which I am happy with, or open VTSAX. I would welcome thoughts.

Those are both good funds OP. You can’t go wrong with either.

Anonymous wrote:VFIAX and VTSAX are almost identical. Why not add small cap, or better yet, international like VTIAX?

The whole point of a Roth is to accrue untaxed gains. Has international ever had more gains than total US stocks or gone up when US stocks went down?

VFIAX and VTSAX are almost identical. Why not add small cap, or better yet, international like VTIAX?

Anonymous wrote:If you just want to put $100k in an index fund then do VTSAX and chill.

NP. Curious why not VTI instead of VTSAX. Maybe VTSAX is admiral shares and there is not ETF equivalent?

If you just want to put $100k in an index fund then do VTSAX and chill.

Among my Vanguard MF, I have VFIAX. I will soon get 100k and am wondering if I should add it to VFIAX, which I am happy with, or open VTSAX. I would welcome thoughts.