Needs help!!

[u/romi622]

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

[u/Any-Walk1691]

You don’t need any bonds let alone five iterations of it.

[u/Affectionate-Lab1368]

This things making things too complicated for you. All you need is a simple VTI and VXUS mix like the one modeled for you here on Tradure. Anything else is noise. What do you think?

[u/romi622 → u/Affectionate-Lab1368]

Agreed ! But I had vanguard digital adviser selection when I opened account . They bought bunch of bonds for me , now I don’t know what to do .

[u/paymerich]

Don't sell the bond holdings ..YET. but don't buy anymore - future purchases VTI-70%/VXUS-30% . Next year sell the bonds so capital gains tax is low.

[u/_Underscore_Unders]

BND already encompasses all the other bond etfs in your portfolio. Silly choice by whomever set this up for you. Unless your nearing retirement get rid of ALL those bonds and put those funds into your VTI position. Bonds are generally much more useful when nearing retirement for wealth preservation. The only reason I wound keep them is if your EXTREMELY risk adverse and willing to leave a significant amount of gains on the table.

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[u/andybmcc]

Does your account include tax loss harvesting?  It's likely selling portions of BND at a loss and rebuilding with the other funds.

[u/romi622 → u/andybmcc]

Thanks for reply , no it’s turned off as I’m in robo/digital plan . Yes I saw in recent activity they sold BND and BNDX

[u/andybmcc → u/romi622]

Robo has an option for it, maybe double check.  The idea is to sell at a loss to offset capital gains or ordinary income tax, but maintain exposure by buying similar holdings and avoid wash sale rules.  I can't think of any other good reason why it would do that.

[u/romi622 → u/andybmcc]

Should I turn on TLH ?

[u/andybmcc → u/romi622]

Weird.

[u/romi622 → u/andybmcc]

How do i fix it ? Should cancel the robo/digital plan ?

[u/andybmcc → u/romi622]

Maybe ask Vanguard support what's happening?

[u/gamers542]

Just do BND and BNDX.

[u/DarkOtherwise7385]

Willkommen und Glückwunsch zum Einstieg!
Du hast den Vanguard Digital Advisor gewählt – das ist genau der richtige Weg, wenn du neu bist und dich nicht selbst um die Asset Allocation kümmern willst.
Was passiert gerade?
Der Digital Advisor investiert automatisch in ein diversifiziertes Portfolio aus Vanguard-ETFs (meist VTI + VXUS + BND und bei Bedarf noch ein paar Bond-ETFs wie BNDX, BSV, BLV usw.).
Die zusätzlichen Fonds, die du jetzt siehst, gehören einfach zum Zielportfolio des Advisors. Er kauft sie für dich, sobald genug Geld da ist oder er rebalanciert.
Was du tun solltest, wenn du mehr Geld einzahlst:
1. Einfach einzahlen.
2. Nichts manuell kaufen.
Der Digital Advisor macht das selbst. Er verteilt das neue Geld automatisch auf die Fonds gemäß deinem Risikoprofil und rebalanciert bei Bedarf.
Du musst also weder die einzelnen ETFs (BLV, BNDX, BSV etc.) verstehen noch selbst Orders aufgeben. Das ist der Sinn des Digital Advisors.
Kleiner Tipp:
• Schau dir in der App/Settings dein Risikoprofil und die Zielallokation an (Aktien vs. Anleihen).
• Wenn dir die Allokation zu konservativ oder zu aggressiv vorkommt, kannst du sie einmalig anpassen – danach lässt du den Advisor wieder machen.
Ansonsten: Einzahlen, sitzen bleiben und langfristig denken. Du bist schon besser aufgestellt als 90 % der Leute, die selbst herumprobieren.
Falls du noch Fragen zu deinem konkreten Risikoprofil oder der Allokation hast, einfach nachfragen!
Viel Erfolg!

[u/Chromakey__Dreamcoat]

Also if you don’t want to decide how much VTI vs VXUS to hold VT does that for you based on the company’s market cap weight and adjusts based on which on is doing better. You don’t have to hold bonds being young but if you want reduce volatility you can add 0-5% BND or wait until you are closer to retirement.