Betterment vs Vanguard

>>1092699 (OP)
Comparing Vanguard and Betterment is like comparing oranges and orange juice. You're paying a premium for the squeeze, when you could easily do it cheaper (and possibly better) on your own.

Betterment just sells you other people's index funds. Betterment allocations include at least 60% Vanguard funds, and even the funds that aren't Vanguard are knock-offs of Vanguard funds.

>>1092699
I think 0.25% compounded over your worklife exceeds the extremely minor inconvenience of yearly rebalance and a few dollars left on the table between new deposits each month

My Roth IRA is with Vanguard. Adding a brokerage with them makes me feel rich.

Anyways, should I just dump everything into VT? Or really break it down into US & international allocations? I just want growth for the long term.

>>1092735
If you're willing to do your own rebalancing, then Four Fund Portfolio. If not, then Target Retirement.

Boom, done.

Anyone use Wealthfront? Can they be compared to either of these two? Right now all my money is in an ally savings account which earns around 1% annually. I'm wondering if any of these three could beat that.

>>1092699
>If Vanguard, what ETFs or mutual funds?

VTSAX or VTSMX.

>>1092699
Betterment makes you take too much international. Use vanguard

>>1092699
I'm in a similar boat to you OP, but I only have about $24k a year after my IRA to contribute. I'm trying out a few different things. I put a bit into betterment but decided to go with vanguard instead. I've also put some money into lending club as well and I'm using a very small portion to trade on my own. I figure the more hands off investing from lending club and vanguard will work for now and if I decide I'm more confident in my own I could always add a bit more.

File: Clipboard01.jpg (139KB, 772x676px) Image search: [Google]

139KB, 772x676px

>>1092978
>Anyone use Wealthfront?
Literally the same as Betterment. They sell other people's index funds to you, and charge you for the privilege. More than half of their primary funds are from Vanguard.

Which begs the question: why not buy directly from Vanguard and skip paying the middle-man?

>Also, next time, do your own homework. It took me 5 minutes to find this information on the Wealthfront site. You need to have the financial IQ to figure this stuff out on your own.

OP here

I'll avoid VT since its not the cheapest way to go.

I'm an idiot:
https://www.bogleheads.org/wiki/Lazy_portfolios

More questions if anyone can help.

1. My transfer into Vanguard is pending.........damn holiday gonna be until Tuesday for the transfer. When possibly can I use the money to buy stuff?

2a. Regarding tax efficiency, are ETFs or mutual funds better for a taxable account? I see more things saying ETFs are more tax efficient. But between Vanguard ETFs & funds it doesn't matter because of Vanguard's patents / ETFs are a share class of funds / something else????

So I figure funds >> ETFs because cheaper E/Rs, no "lazy penny" (un-invested money due to whole shares of ETFs), & same tax efficiency. Am I wrong?

3. What would be your personal split between VTSAX (US Stock) & VFWAX (International Stock)? 50%-50%

>>1092699
>What's better for the **long term**?
whatever has the lowest fees phan

What do you guys think about

VFIAX - 500 Index Vanguard Admiral Shares
VIGAX - Growth Index Admiral Shares (Large Cap)
VIMAX - Growth Index Admiral Shares (Mid Cap)
VWGIX - International Growth
VFWAX - All World ex-US International Index
VBTLX - Total Bond Market Index

How much should I allocate to the following (percentage wise)?
How should my portfolio look like?

I'm coming out of college and I have a high paying job and zero expenses so that's why I have so much growth indices on that list.

>>1093321
To add, I should have and extra ~40K by the end of the year disposable cash.
Right now I'm sitting on 20K.