VTSAX is one of the largest index funds in the world. There are 509 stocks in the index, though, because some companies have more than one “class” of stock. The biggest issue with most robo-advisors is the additional cost. When I worked on Wall Street, they required us to […] My breakdown of investments in Wealthfront is: 28% Emerging Markets: IEMG, VWO 5% Dividend Growth Stock: SCHD, VIG 22% Foreign Stocks: SCHF, VEA 5% Natural Resources: VDE, XLE 5% Municipal Bonds: VTEB 35% US Stocks: SCHB, VTI. The one thing that I do like the most about Wealthfront is the tax harvesting. Posted by 4 days ago. BrandonBogle Posts: 3401 Joined: Tue Jan 29, 2013 4:19 am. Looks like you're using new Reddit on an old browser. Join our community, read the PF Wiki, and get on top of your finances! So I changed everything out of the Robo to self managed account using only the lower cost funds with the same mix, similar to what you have mentioned here. None of the options are bad, as long as you stay either at 0% International or between 10% and market cap weight. For them, they would be better off doing it manually from a cost perspective. For example, Berkshire Hathaway has class A and class B shares. (yes, you might not normally re-balance monthly, but ideally you should be regularly contributing). I'm sure Schwab has made a calculation based on how much it gets for one fund vs. another, how much it has to pay S&P for licensing fees, how much better or worse one fund will sell than another, and tilted its advertising accordingly. Because I am pretty young, I have been using the highest risk setting on Wealthfront (10.0). It's seems really odd to me that their highest risk setting included 5% dividend stocks (SCHD) and 5% municipal bonds (VTEB). This fund tracks the CRSP US Total Market Index. VTSAX stands for Vanguard Total Stock Market Index Admiral Shares. boglechu wrote:I may invest about $100k in my after-tax assets total in the upcoming year. If you’re looking for a quick scoop on VTSAX . You may also want to check out the following SWTSX comparisons that investors often look for on Finny. … Similar issues can happen with any other investment accounts you want to have outside of their control. Nice job picking a low-cost fund. BTW, if there's anything out there on how Schwab manages its index funds as contrasted with Vanguard, MSCI, Fidelity, etc., I'm interested. I too tried the Robo - take a hard look at each fund they have you in and look at the actual investments and the fees. My main thought process for keeping my money where it is is diversification. The Fund seeks to track the total return of the entire U.S. stock market as measured by the Wilshire 5000 Equity Index. The Fund seeks to track the total return of the S&P 500 Index. THE PLATFORM IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. Can be bought and sold during market hours . Start a free trial. So if not worrying about managing your investments in worth that much to you, than a robo account is fine. Robo's are actually a much better deal for people with lower balances/high diversification because you don't get charged commission fees on trades.*. Suddenly the robo becomes the cheaper option as long as their fund expense fees are comparable to the ETF's you would use. The iShares Russell 3000 ETF (IWV) The iShares Russell 3000 (IWV) is an exchange traded fund that … Monday through Friday 8 a.m. to 8 p.m., Eastern time Are VTI and VTSAX the Same? Most, if not all, robo-advisors are unable to account for 401(k) and other workplace plans when managing your allocation and trying to avoid wash sales. However, when you go to buy VTI, you could pay a different price depending on the time of day that you placed your order, even down to the minute. if you're in the S&P range but paying higher fees, maybe switch to VTSAX. Schwab’s SWTSX is still the cheapest (0.03%), followed by Vanguard’s VTSAX (now 0.04%) and Fidelity FSTMX (0.045%). Total stock market funds, on the other hand, include both large-cap stocks and the many small- and mid-cap stocks left out of the S&P 500. Go ad free! Its ETF equivalent, the Vanguard Total Stock Market ETF ( VTI ) also has a 0.05% expense ratio and no minimum purchase amount. The Fund invests by holding a collection of securities that approximates the Index. But some investors use Schwab as their online broker instead of Vanguard and Fidelity. 1) For a $10,000 minimum, you can get Vanguard Total Stock Admiral Shares, VTSAX, with an expense ratio of 0.04%. by Artsdoctor » Fri Apr 26, 2019 9:53 am, … Both SWTSX and VTSAX are mutual funds. You will also be less subject to currency fluctuations, and still get a good chunk of exposure to international markets via companies’ revenues. March 13 edited March 13. VTSAX is a mutual fund, whereas VOO is an ETF. Adding for context, more expensive is not some crazy amount more. You may also want to check out the following VTSAX comparisons that investors often look for on Finny. Also, OP should look at models of the effects of fees over the long term. VTI is the same thing as VTSAX but an ETF instead of mutual fund. Go ad free. We have the VTI and SPY along w/ Dows-ETFdifferent accounts. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Roboadvisors use math to efficiently combine your assets in a way that minimizes volatility and maximizes return. The Schwab Robo I was in would have me in two similar funds, but one was low cost and the other was high. I think Wealthfront has you well diversified. 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