¶ Tag
#Vanguard
4 articles
All articles tagged Vanguard on techmoneylab
60/40 Portfolio — Vanguard's 1976-2024 Data Says It Still Works (Despite 2022)
The 60/40 was declared dead after 2022. Vanguard's full-cycle data shows the worst single year in 50 years was followed by 22% recovery in 2023. Here is what the long-term data actually shows.
S&P 500 Index Funds Compared — VOO, IVV, and SPY 5-Year Total Return
Vanguard VOO, iShares IVV, and SPDR SPY — what their 5-year returns, expense ratios, and tracking error actually look like, with Morningstar and Bogleheads data cited.
Tax-Loss Harvesting — IRS Rules, Wash Sale Math, and Real ROI by Tax Bracket
Tax-loss harvesting adds 0.5-1.0% annually to taxable returns. The 30-day wash sale rule has nuances most articles miss. Here is the rule, ROI math, and when not worth doing.
Target-Date Funds — Vanguard, Fidelity, Schwab Glide Path Compared
All three providers offer target-date 2050 funds, but they take different paths to retirement. The 30-year glide path differences cost up to $40,000 in lifetime returns.