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VWINX

Anybody ever tried to determine the total return for the equity side of this fund for each year going back in time?

Comments

  • Since VWINX equities are benchmarked to VHYAX/VYM, that would be a good approximation of the equity-side return.
  • Still VCIT for the bond side? I don't see a ETF for Bloomberg US Credit A or better Bond Index.
  • Yep, VYM+VCIT approximates VWINX quite well. PV runs from 12/1/09-2/28/22 (12+ years). Elsewhere, other variations/refinements has also been tried. LINK
  • +1 YBB For me, if I can replicate performance of VWINX with VG etfs, it means I probably don't need my Vanguard account any longer !
  • I kept my Vanguard account basically for VTMFX. This is harder to duplicate that VWINX ( or if you have $50,000 VWIAX.

    VTMFX has er of 0.09% and is 50% VWIUX and 50% VTCLX, although the % apparently vary a bit. Unfortunately there is no ETF version of VTCLX and the admiral shares of VWIUX are available only at Vanguard.


  • VTMFX may be easy to replicate. Its equity is R1000 with lower dividends to simulate R1000 itself and bonds are munis, so ITM or MUB should do. I am using phone to link to PV run (1/1/08 - 2/28/22), so let see if that works.

    IWB + ITM
    IWB + MUB
    LI NK
  • Thanks for the link. Looks like IWB + ITM beat the others with a little higher volatility than VTMFX.

    This is even more interesting because of the higher expense ratio in the ETF (0.24 and 0.15% vs 0.09% for VTMFX)

    Interesting after all the fuss Vanguard makes over their expenses
  • @sma3 ...as an fyi, VTMFX is now available for purchase at Schwab. This appears to be a change from the past when it was listed as not available.

  • @PRESSmUP

    That is good news. You are correct that even as late as last fall Schwab said not available.

    It looks like there is no purchase fee but $75 short term redemption fee. I have emailed Schwab to confirm.

    But given above info, not sure I will not just buy IWB and ITM.
  • Where are you looking? What I see is:
    Transaction Fee $74.95    Short-term Redemption Fee No
    https://www.schwab.com/research/mutual-funds/quotes/fees/vwinx
  • @msf

    I was referring to VTMFX, but it has the same info as VMINX; supposedly $74.95 fee to purchase.

    But when I put in a dummy trade, without completing it, the transaction fee is listed as $0.00.

    I could have started a chat with Schwab but got tied up on other things. I will report back if I can get an answer
  • Fido (115 funds) and Vanguard funds (116 funds) at Schwab platform - this seems new and I missed any public announcement(s) if there was any. In the Screener, after you click on Fund Company, give it some time to load the funds; otherwise, it will give 0 results. All funds appear as No-Load/Transaction Fee. May be this happened when Schwab moved to dual-fee structure - lower fees for those who pay-to-play and higher fees for those who don't.
    https://www.schwab.com/research/mutual-funds/tools/screener
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