When it comes to designing and managing your investment line up we focus on the fundamentals of asset allocation, diversification and low-costs.  We specialize in a three tier line up:

  • Tier 1 – devoted to target date index-oriented funds or managed options
  • Tier 2 – broad based index-oriented funds
  • Tier 3 – Expanded line up with additional index-oriented funds, actively managed funds, or specialty investments.

Tier 1 – Target date / All in one funds

Name Symbol Annual expense ratio (1/27/2017)
Vanguard Target Retirement Income Fund VTINX 0.13%
Vanguard Target Retirement 2015 Fund VTXVX 0.14%
Vanguard Target Retirement 2020 Fund VTWNX 0.14%
Vanguard Target Retirement 2025 Fund VTTVX 0.14%
Vanguard Target Retirement 2030 Fund VTHRX 0.15%
Vanguard Target Retirement 2035 Fund VTTHX 0.15%
Vanguard Target Retirement 2040 Fund VFORX 0.16%
Vanguard Target Retirement 2045 Fund VTIVX 0.16%
Vanguard Target Retirement 2050 Fund VFIFX 0.16%
     
Tier 2 – Broad based index-oriented funds    
Vanguard Federal Money Market Fund VMFXX 0.11%
Vanguard Total Bond Market Index VBTLX 0.05%
Vanguard 500 Index VFIAX 0.04%
Vanguard Extended Market Index VEXAX 0.08%
Vanguard Total International Stock Index Fund VTIAX 0.11%
     
Tier 3 – Expanded line up    
Vanguard Inflation-Protected Securities Fund VAIPX 0.10%
Vanguard Total Stock Market Index Fund VTSAX 0.04%
Vanguard Total International Bond Index Fund VTABX 0.12%
Vanguard Growth Index Fund VIGAX 0.06%
Vanguard Value Index Fund VVIAX 0.06%

Disclosure– Vanguard is one of several options available. We use Vanguard funds in our lineup example due to the comprehensive nature of their offerings. We do not endorse Vanguard or express any opinions for the suitability of their investments.