the207life
Member
- Sep 15, 2013
- 56
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Under two years of actual investment experience so looking to get some insight on to any issues with my strategy along with things that I can do to improve.
All funds are invested in a Roth IRA which was chosen due to the amount of untaxed income I receive being forward deployed active duty. I'm aged 24.
To be honest I lost a lot of money in the first year or so blindly investing in individual stocks. For the last year or so I closed all positions and really spent a few months reading reading and reading. This is what I have:
Vanguard Total Stock Market Index Fund ETF Shares (VTI): 18 Shares
Vanguard Total International Stock Index Fund ETF Shares (VXUS): 14 Shares
Vanguard Total Bond Market Index Fund ETF Shares (BND): 11 Shares
Vanguard Total International Bond Index Fund ETF Shares (BNDX): 4 Shares
I have two main questions now.. is completely investing in one fund family a bad practice? I have read nothing but good things about the Vanguard family and after talking with a few trusted individuals I was sold on them. What are you two cents on having all funds in one family of ETF's?
Second.. distribution of deposits. What is the best way to add funds to these funds? I have read a few well written papers on the pros and cons of DCA vs LSI but I'm looking to deposit a set amount each month from my check so DCA seems like the route to take.
I think that's all the questions I have right now but if I have more I'll bring them up. Have a good one everyone.
All funds are invested in a Roth IRA which was chosen due to the amount of untaxed income I receive being forward deployed active duty. I'm aged 24.
To be honest I lost a lot of money in the first year or so blindly investing in individual stocks. For the last year or so I closed all positions and really spent a few months reading reading and reading. This is what I have:
Vanguard Total Stock Market Index Fund ETF Shares (VTI): 18 Shares
Vanguard Total International Stock Index Fund ETF Shares (VXUS): 14 Shares
Vanguard Total Bond Market Index Fund ETF Shares (BND): 11 Shares
Vanguard Total International Bond Index Fund ETF Shares (BNDX): 4 Shares
I have two main questions now.. is completely investing in one fund family a bad practice? I have read nothing but good things about the Vanguard family and after talking with a few trusted individuals I was sold on them. What are you two cents on having all funds in one family of ETF's?
Second.. distribution of deposits. What is the best way to add funds to these funds? I have read a few well written papers on the pros and cons of DCA vs LSI but I'm looking to deposit a set amount each month from my check so DCA seems like the route to take.
I think that's all the questions I have right now but if I have more I'll bring them up. Have a good one everyone.