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clambo
2019 Oct 16, 6:32am
There is no "loading" or sales fee=load for either Vanguard or Fidelity mutual funds.
For retirement accounts, I believe in stock funds which state "capital appreciation" as their goal. A couple of Fidelity funds which I have liked are 1. Contrafund 2. Blue Chip growth
Bond funds are good for producing your income when you are old and need more income than capital appreciation. I don't know your age, but if you 1. have income now 2. plan on living another 10 years, I would not buy much of a bond fund.
I own many Vanguard funds; the best so far were managed by Primecap in Pasadena; these were so popular Vanguard closed them. But, you can buy their funds directly from Primecap Odyssey.
Another of my favorite mutual fund families is T. Rowe Price.
A Vanguard fund which I own comprised of bonds and dividend paying stocks is called Wellesley Income fund. Another Vanguard bond fund which I own is High Yield Corporate fund. I inherited these funds.
The Vanguard International Growth fund is a good fund among international funds; so is T. Rowe Price International.
I strongly recommend if you are eligible to buy an HSA at Fidelity and put growth funds in it; you can let it grow like an IRA until you are on Medicare age 65 then spend it however you like. It's nice because you reduce your taxes with it and maybe you have maxed out your Roth IRA already.
A Vanguard fund I also own is nice in a taxable account because it produces almost no 1099; Vanguard Tax Managed Capital Appreciation
Besides my Vanguard Primecap and Capital Opportunity, my best mutual funds were at T. Rowe Price; New Horizons and Small Cap Value. The problem is that a manager may retire and I don't know if this will change things much.
Addendum:
For bond funds I would always choose Vanguard because the fees are lower and bonds produce interest which the fees eat into.
For management fees: Fidelity funds generally cost more to own than Vanguard funds; some Vanguard funds have very low fees. My Vanguard Total Stock Market Index fund has a management fee which is very low; 0.05%
But, Fidelity has several funds which have 0% fees; one is a Total Stock Market Index fund.
If I were older and had a big windfall I would buy Vanguard Wellington and forget it. It's a balanced fund but has more stock component than Wellesley Income .
For retirement accounts, I believe in stock funds which state "capital appreciation" as their goal. A couple of Fidelity funds which I have liked are 1. Contrafund 2. Blue Chip growth
Bond funds are good for producing your income when you are old and need more income than capital appreciation. I don't know your age, but if you 1. have income now 2. plan on living another 10 years, I would not buy much of a bond fund.
I own many Vanguard funds; the best so far were managed by Primecap in Pasadena; these were so popular Vanguard closed them. But, you can buy their funds directly from Primecap Odyssey.
Another of my favorite mutual fund families is T. Rowe Price.
A Vanguard fund which I own comprised of bonds and dividend paying stocks is called Wellesley Income fund. Another Vanguard bond fund which I own is High Yield Corporate fund. I inherited these funds.
The Vanguard International Growth fund is a good fund among international funds; so is T. Rowe Price International.
I strongly recommend if you are eligible to buy an HSA at Fidelity and put growth funds in it; you can let it grow like an IRA until you are on Medicare age 65 then spend it however you like. It's nice because you reduce your taxes with it and maybe you have maxed out your Roth IRA already.
A Vanguard fund I also own is nice in a taxable account because it produces almost no 1099; Vanguard Tax Managed Capital Appreciation
Besides my Vanguard Primecap and Capital Opportunity, my best mutual funds were at T. Rowe Price; New Horizons and Small Cap Value. The problem is that a manager may retire and I don't know if this will change things much.
Addendum:
For bond funds I would always choose Vanguard because the fees are lower and bonds produce interest which the fees eat into.
For management fees: Fidelity funds generally cost more to own than Vanguard funds; some Vanguard funds have very low fees. My Vanguard Total Stock Market Index fund has a management fee which is very low; 0.05%
But, Fidelity has several funds which have 0% fees; one is a Total Stock Market Index fund.
If I were older and had a big windfall I would buy Vanguard Wellington and forget it. It's a balanced fund but has more stock component than Wellesley Income .
Large cap growth
Mid cap growth
Small cap growth
International
Aggregate Bond
Considering track record, date of inception, loading, and annual fees.
Let’s hear it guys, thanks