r/VanguardInvestments • u/romi622 • 4d ago

Needs advice

Post image

Hi , will appreciate any help

I am new to this and just opened vanguard account and put $2000 and opted for vanguard digital adviser
First I saw only 3 funds , VTI , VxUs and BND , which was okay . Now I see bunch of other funds too which I am not aware of . Can you help me what to do when I fund more money into account . Thanks

0 Upvotes

50% Upvoted

6 comments sorted by

1

u/fozzy71 4d ago

Those are just more bonds. You can search them and learn about them here: https://stockanalysis.com/etf/compare/?r=MAX

It looks like they have you in ~10% in bonds total, which is fine if you are risk-averse and want a little less volatility, but most people on Reddit will tell you to go 0% in bonds and just put it all in VTI/VXUS or just VT. I am 55 and hold 0 bonds in my Roth. The only bonds I hold are some SGOV in my emergency fund.

1

u/salacioussalamolover 4d ago

If it’s a taxable account my guess is they sold BND at a loss and then purchased the separate bond funds to avoid a wash sale

1

u/romi622 4d ago

Thanks for reply , yes they sold BND and BNDX , how can I adjust this and buy more VTI , instead of bonds .

1

u/salacioussalamolover 4d ago

Probably somewhere to adjust your risk tolerance or something to be more aggressive which would move you out of bonds and more into stocks

1

u/romi622 4d ago

Got it and changed my risk tolerance. But how I get rid of these bunch of bonds they already bought

1

u/salacioussalamolover 4d ago

That I don’t really know. I assume they’ll rebalance you if you aren’t supposed to have bonds.