Hi Dreamer,

Do you still hold the same Vanguards as listed last year?

With everything so high now, is it a bad time to get into more Vanguards, or what is reasonable value now?

Are Vanguard high risk mutuals like ETFs?

TQ Dreamer, I was not paying attention. So if I were to want to get into a Vanguard programme, I should set up asset allocation charting and study for some time before even buying the first set?

Hey, I did, and am trying to understand. Some of us have no financial training. You have been patiently answering all kinds of questions from others and I appreciate that. Just that I have already have access to Vanguard and am wondering what is the next step. Is there more than just taking their shop-front advice?

Ah, lots of homework. The "Lazy Portfolios" looks like my speed. Thanks for the leads, really!

Is this period of record high prices a bad time to start any long term program even with 60-40 funds like Vanguard VSMGX?

Won't the fees from regular rebalancing of ETFs lose most of the edge over just sitting on the above?

Dreamer,

Thanks for really dumped down sketch which my dumbness can grasp. Since I can buy Vanguard mutuals, are there any that do the same without intervention?

111

Is/are there Vanguard funds that if I buy similar amount over time, they do the same thing as your self-managed system? I'm wondering if a balanced index fund like VBIAX, VBINX, VWENX is similar but 60/40?

111

This post has been edited by oneeleven: Aug 2 2014, 12:47 AM

Noted. Looks like some us here do have access. Going via those funds would avoid accumulated fees and reduce time spent managing, so an easier route with similar result?

111

I asked. There may be taxation restrictions for foreigners, meaning, may be not allowed.

Sorry, maybe I did not understand fully. I was advised not to because of taxation regulations. Not sure if he meant not allowed. I should check again next chance. Anyway foreigners (non-SG) should get details before transferring any funds.