Why is vbtlx down. 00 while the NAV of VBTLX can go up or down.

Why is vbtlx down "Everything should be as simple as it is, but not simpler. Thoughts? By watching the video on this webpage, you can see the meager historical Vanguard bond fund returns. “Vanguard’s fee cuts are a win for retail investors — you and me — helping to boost long-term returns,” said Mark Johnson, an investments and portfolio management professor at Wake Forest University. May 24, 2025 · Can anyone explain why VTABX can beat VBTLX? Thank you! yes over the whole time series back to 2013 (inception of vtabx) international bonds have done better than US bonds (see image below). Bond prices go up and down due to changes in interest rates. 2%, VICSX down 0. But what makes you think that economic return would be fully taxable? Oct 11, 2025 · What are mutual funds and how do they work? Our simple guide breaks down everything you need to know to start investing with confidence today. Or look to create a Liability Matching Portfolio with treasuries (or a LMP bucket with Treasuries and bond fund for the rest of your fixed income allocation). Bond have yet to recover even as the Federal Reserve has cut interest rates, perhaps because taxes are expected to be cut and debt to increase, driving inflation. Apr 9, 2023 · VBTLX is Vanguard's Total Bond Market index fund. 5 years) and you can tolerate interest rate risk with your allocation. Third, if you’re looking to “take some action” without upending your long-term plan, consider tax-loss harvesting. 05%. The implication of duration is that if interest rates go up a lot, your holding's market value falls a lot; yet, you will earn a better return going forward. May 2, 2024 · As others have mentioned, the decline of the NAV in VBTLX is due to the rate hikes. VBTLX Performance - Review the performance history of the Vanguard Total Bond Market Index Adm fund to see it's current status, yearly returns, and dividend history. Any thoughts on why I should keep this fund ? Nov 1, 2022 · Again, this is where VBTLX shines because when you purchase VBTLX, the fund already holds various bonds across a broad range of terms; short-term, mid-term and long-term. 1 day ago · Compare VBTLX and BND across key investment metrics, including historical performance, risk, expense ratio, dividends, Sharpe ratio, and more, to determine which asset aligns better with your portfolio strategy. What does everyone think about being invested 100% into VTSAX at 33 years of age and taking it to retirement, maybe adding some bonds as I go along? Today, BND went up by 4. VUSTX and TLT are both up 5-6% VBTLX is up less than 1%. 33 - Down 5. 4% which exactly has matched inflation. Feb 21, 2017 · VBTLX = total bond index admiral - roughly 75% treasury and mortgage backed bonds, 25% corporate bonds Hence, VBILX has a higher yield, but more credit risk, which is why VBILX lost more money in the financial crisis than VBTLX. Dec 9, 2022 · VBTLX and BND are different share classes of the same portfolio. 3%, and VBTLX down 0. INSANELY. May 17, 2023 · Total bond market index funds are not the way I would choose to invest in bonds. 75% and given an average duration of six years or so using our ‘rule of thumb’ for VBTLX you might expect NAV to increase by >4%? But NAV is still down for the year. 05 expense ratio (to manage the fund). If you have too much in bonds you should sell some. Since the market has been down, can anyone explain why VBTLX (Vanguard's total bond market index fund) is down by 10% when the market is down? Dec 9, 2023 · Since I found Bogleheads I've basically followed the 3 fund (and now down to 2 fund) portfolio where I hold/held VTSAX, VBTLX and an international fund that I dropped after a decade of negative returns. --admin LadyGeek] Noticed this when I updated my numbers and saw the topic brushed on in another thread but how can this happen? BND (ETF) - $80. Looking at several years of data, it seems that TLT and VUSTX are better performers over the long haul. We call this property--moving around in response to interest rate changes--duration. It pays interest monthly and should be very predictable as it knows what bonds are in the fund and what the interest will be. 96% today. According to the fund page, VBTLX has an average yield to maturity of 4. Represents 10,174 individual bonds. Personal performance varies depending upon the timeline (for instance, for VBILX: 3% rate of return 10 years out, but -10% 1 year out). Oct 31, 2025 · Mutual Funds Screener Narrow down the universe of 18,000+ funds we rank with our robust, yet easy-to-use mutual fund screeners. I think your deeper questions are to your timeline and asset allocation. With all that being said, why choose VBTLX over TLT or VUSTX? I know we're not looking at short term horizons but 23 years providing -6% growth seems insanely bad. But VBTLX went down by 0. 75-4. Over 5 years it's down -17. See Vanguard Total Bond Market Index performance, holdings, fees, risk and other data Jul 13, 2024 · I assume that during a down market, we would want to be pulling living $ from VBTLX rather than VTSAX. Jun 26, 2025 · In 2022 VBTLX was down 13% or so, and in 2021 2% down, the other years it has had positive returns, so a 5 year net -0. Rising Jun 23, 2017 · Please explain why I should not move from BND and VBTLX - Vanguard’s total bond ETF and Vanguard’s total bond fund to a bond fund such as VTAPX Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares ,VAIPX Vanguard Inflation-Protected Securities Fund Admiral Shares,VTIP Vanguard Short-Term Inflation-Protected Securities ETF or something else. Dec 11, 2023 · VBTLX does not guarantee sale at a share price that you paid to buy. May 17, 2018 · Re: YTD: VBTLX down 2. May 28, 2015 · Or are you saying the 10 year return doesn't really matter, as I could always just get back into TIAA Traditional if VBTLX's yield goes down? I guess the good thing is that, if VBTLX's yield goes down, the price per "share" will go up, and I will actually get out richer than before I went in? Okay stupid question (but a particularly relevant one for investors who got started during a period when putting money into index funds is like walking up the down escalator). 00 while the NAV of VBTLX can go up or down. Apr 10, 2025 · I am seeing the corresponding VSIGX down 0. Jan 19, 2024 · Vanguard Total Bond Market ETF’s index methodology forces it to sell bonds before they mature, locking in losses after rates rise. Today, BND went up by 4. After all these years of talking about VBTLX, were I to change to BND, I would be faced with an endless stream of questions as to why from new readers who didn’t read this post. The interest payment amount is the same. 44% but VBTLX down just . May 14, 2025 · I know I should've been paying more attention to my Vanguard total bond market fund, VBTLX, over the years, and didn't really realize what a loser it is. The yield over that span was 2. Investors looking for a low-cost total bond market index fund, the popular Vanguard funds, VBTLX and BND, are two funds that are sure to make the final cut. Doesn't mean it will always be true but this is why Vanguard has 30% of the bond portion of the target date fund in international. How To Invest / Fund Directory / Vanguard Total Bond Market Index Fund Admiral Shares vs Vanguard 500 Index Fund Admiral Shares VBTLX vs VFIAX Fund Comparison A comparison between VBTLX and VFIAX based on their expense ratio, growth, holdings and how well they match their benchmark performance. If you had a majority of your “safe” portfolio invested in VBTLX wouldn’t your total return be pretty low? Sep 10, 2023 · Now all of that said, what happened in the past is past, and assuming interest rates don't go up much from here and perhaps drift down over time staying in VBTLX isn't a big mistake. Dec 23, 2024 · If you're trying to mimic the target date 2025 fund, then the tickers would be VBTLX or BND for US bonds, and VTABX or BNDX for international bonds, and VTAPX or VTIP for the short term TIPS. Why is that when bonds, CDs, Tbills, and HYSA rates are all pretty high right now. If a bond is held to maturity why is the current price dropping so much. Hence, VBTLX could be a better diversifies for equities. Even with those numbers (-0. If rates go up, the value of the bonds will go down and it will take several years for the interest rates to catch up. Dec 15, 2021 · So the feds stated today they are going to raise rates several times in 2022. Feb 27, 2025 · About this time the bond funds' unrealized gains took about a 12% nose-dive. I advise against this: The Bond Experiment: Return to VBTLX “…are we just seeing the end of the allocation principle theory?” Of course not. Jul 6, 2023 · I certainly didn't expect it to beat the Index when equities are up, but is it unreasonable to expect it to provide some ballast in heavy seas? I understand it was simultaneously a tough time for both stocks and bonds, which is a bit unusual; but if you are correct that it performed exactly as intended in a down market, why would one ever Jun 28, 2023 · BND/VBTLX is higher risk for higher potential returns over the long term than VUSXX. 91)it has probably done worst than cash in 3%interest rate account? So people with 20% of their portfolio in bonds may have had a significant missed opp? I am only trying to understand. Is this a meaningful exercise towards improving the balance of the VG Bond funds and also reduce risk? Jun 20, 2024 · Since then BND price has gone down to around $70. 95%. Sep 7, 2024 · I read an earlier forum about this fund where people were complaining about negative results over 2-3 year time period. I know we’re at the bottom of a bad inversion but 22 year negative growth? Repeat trending toward ever more We would like to show you a description here but the site won’t allow us. 85% over the last year in a climate of rising interest rates with further rate increases expected (though with expectations belied)? Is it explained in large part by price increases in the fund due to investor rush to safety for whatever reason? What's going on? Apr 9, 2024 · I want to compare keeping $$ in the settlement fund which is 5. . The same dynamic (in the opposite direction) would be true if rates went down - VBTLX would gain in price much more than VMFXX - it's just more sensitive to changes because of its duration. 99%; VTSAX down 0. Investors are searching for clear answers on why the market is falling, and experts now point to a mix of technical failures inside trading systems and ongoing pressures from the broader financial environment. 40, a gain of 1. In the 117 years since 1900, bonds have outpaced stocks in 42 years; in the 112 five-year Nov 20, 2024 · Re: why bother with other bonds e. Here's what a low expense ratio means. 00 and raise back up to around $72. 22%. See Vanguard Total Bond Market Index (VBTLX) mutual fund ratings from all the top fund analysts in one place. Effectively reducing inflation risk. 6%, I'm cautiously optimistic that things will improve going forward re VBTLX's return. As of May 6, this fund was already down 10. *To be clear, we moved only the money from the previous move. I am considering moving the VBTLX funds to a short term Treasury Fund like Vanguard's new VGUS or VBIL when our VBTLX gets back in to positive territory. I am 62 years old and my 5 days ago · Compare BND and VBTLX across key investment metrics, including historical performance, risk, expense ratio, dividends, Sharpe ratio, and more, to determine which asset aligns better with your portfolio strategy. 29 - Down . My question is what happens when that immediately tanks below $3,000 - do they (Vanguard) boot you out? Obviously there must be a grace period because over the past 2-3 Re: Why/how has VBTLX yielded 8. Now you're getting . The bottom line: It’s never a bad time to move to a portfolio that fits your comfort level better. VBTLX vs VSBSX? by gavinsiu » Wed Nov 20, 2024 5:26 pm Padlin wrote: Wed Nov 20, 2024 5:12 pm The thing that holds me back from such is you lose to inflation, look at the longer term returns, it’s like 1%. Currently, VBTLX yield is 4. VBTLX is up over 12 years so first step is to get your data right. Vanguard Total Bond Market Index Fund Feb 19, 2025 · I think the point of asking why VBTLX is in your taxable account is that it would be more tax efficient to hold it in a tax-deferred account like your solo 401k or an IRA. 44% VBTLX (Admiral Fund) - $11. Find the latest Vanguard Total Bond Market Index Fund (VBTLX) stock quote, history, news and other vital information to help you with your stock trading and investing. I’m willing to change my evil ways. Archived post. 7% 22 year return since inception. 59% for 5 years and its down -7. Vanguard Total Bond Market Index Fund;Admiral | historical charts and prices, financials, and today’s real-time VBTLX stock price. Jun 4, 2023 · VBTLX: down approx 5. VBTLX is a good way to do that. Here are the best Vanguard bond mutual funds and ETFs to own before the Federal Reserve cuts interest rates. At the moment, shorter The best HYSA’s I’m seeing are today yielding about 3. The performance of this fund has been terrible the last couple years and seems to be continuing. Apr 9, 2025 · Of course, dialing down risk two months ago would've been better—but there’s no rewinding the clock. Jan 20, 2023 · Here are what I consider the 3 best Bond index funds to include in your portfolio. Why the VBTLX? A lot of people in this community seem to prefer the VBLTX for their exposure to the bond market and lowered exposure to risk. “In today’s market, expense Oct 1, 2024 · If you've been stuck searching for Index funds, consider Vanguard Total Bond Market Index Admiral (VBTLX) as a possibility. 5%. 53%. Also the Fed isn't done raising interest rates because YoY inflation is still around 6%. Jan 19, 2023 · I’m a long-term holder of VBTLX, which yes, lost a good bit in 2022, though not as much as my stock funds, so that’s a small consolation. I know it goes against the boglehead mantra. VBTLX has no Zacks Mutual Fund Rank, but we have been able to look into Why? I personally don’t agree with everything Ben says and there are definitely some holes you can poke in the work of F&F on size/value if you try hard enough, but the OOS evidence really isn’t as bad as you make it out to be. MUTF: VBTLX - Vanguard Total Bond Market Index Adm VBTLX stock price, growth, performance, sustainability and more to help you make the best investments. Over the long term, history tells us that stocks have generally provided higher returns than bonds…So today, why would an intelligent investor hold any bonds at all? First, because the long run is a series of short runs, and during many short periods, bonds have provided higher returns than stocks. Should I be worried? I would have done better if it was all in cash. Feb 23, 2021 · Re: [Why is VBTLX down???] by ruralavalon » Tue Feb 23, 2021 4:53 pm Being diversified means that there is always some part of the portfolio that is doing poorly. If you have fewer bonds than your target percentage you should buy more VBTLX. May 19, 2025 · Moody’s decision to downgrade the U. As for the bond fund, an increase in interest rates will lower the price of the bonds that are currently held by the fund, so the price of VBTLX will definitely go down. No need to try to predict the future with a magic ball - because honestly, none of us can. Current and Historical Performance Performance for Vanguard Total Bond Market Index Fund on Yahoo Finance. 79 discount to NAV. I'm hoping to be convinced to get the bond fund, as most investing Apr 19, 2024 · Vanguard Short-Term vs Total Bond Fund – VBIRX vs VBTLX Many pundits, economists, and Fed watchers are recommending investors lengthen the duration of their bond portfolios to take advantage of the expected rate decline. The decision to buy one or the other depends on investor-specific factors (some of which are listed below). If you don't want to see your investment decrease on paper, then buying short-term Treasuries is fine. 00. 71%" is well within my needs for an average return. Jul 29, 2015 · That's why your VBTLX holding has had ups and downs over the last few years. Jun 14, 2024 · There’s No Bond King, but Investors Keep Pouring Money Into Pimco Income The top-performing bond fund is taking in the lion’s share of multisector bond fund flows. Find out why BND ETF is a Sell. Sep 7, 2020 · 40% - VBTLX - Total Bond Market Index Admiral Can this alternative allocation to VTSAX and VBTLX REALLY provide me with better returns over the next 8, 9 years before retirement? Also, can it be more tax efficient? Thanks Michael in NJ Yes, it's possible for your alternative allocation to provide better returns but no one can guarantee you that. I'm trying to understand why VBTLX would be up so much this year? My reason for looking at this fund is that I'm being forced to take a lump sum amount instead of a pension from a former employer. Review the latest Morningstar rating and analysis on the Vanguard Total Bond Market Index Adm fund to determine if it is the right investment decision for your goals. Money Market fund yields change constantly. Here are some facts: Expense ratio of 0. Oct 21, 2022 · Recently, VTSAX (stocks) is down ~25% and VBTLX (bonds) is down ~15% YTD. Mar 12, 2020 · [Title was "BND Down 5. I have a VBTLX (total bond) account that is currently in the negative. Maybe the NAV of VBTLX goes up and you will have an unrealized capital gain? Or it goes down and you will have an unrealized loss? It is all your decision for yourself and your portfolio. But if the fund itself drops 5% , then you are overall down in comparison to a savings account, considering the yield you get is pretax, it may take you close to 2 years to break even. I invested in this fund back in 2003, and I have a negative rate of return after reivnesting all dividends and capital gains! That's a time period of 21 years, long enough for this fund to have gone through several up and down cycles that I should have some profit by now, but VBTLX is a US intermediate term bond fund. Coupled with getting a gut check so close after getting started can be disheartening. AI capex, bond sales, regulation and a shaky tech market are all putting pressure on AMZN in late 2025. It lost nearly 4% in April alone, and nearly another 1% the first week of May. I also have some short-term bond funds that did Why would VBTLX be a better choice compared to a savings account if it has the possibility of losing value? Looking at its yield, its 2. How can this happen unless it's a clerical error? Both are Vanguards Total Bond Market Fund. 52 with a significant drop in the NAV in 2024. I have short-term and long-term capital losses from this dog and I'm selling it all. 28%; VBILX down 2. Jul 9, 2014 · Home Investing Bonds Why You Should Avoid Most Bond Index Funds Most of these funds are larded with securities issued by heavily indebted countries, including the U. Dec 21, 2017 · To understand why I am now walking aways from them and returning to VBTLX, let’s first look at the underlining reasons as to why VFIDX and VICSX have outperformed and then let’s explore why we hold bonds in the first place. Having issues? We help you find out what is wrong. We disagree. $3,000 minimum investment requirement. 6 days ago · Get the latest Vanguard Total Bond Market Index Fund (VBTLX) stock price with performance, holdings, dividends, charts and more. Can someone please explain? Oct 1, 2024 · Our research shows that changes in interest rates may alter the risk profiles of bond funds. Being new to investing, that's natural. Plus, rebalancing between stocks and bonds when stocks are down has the effect of "buying low and selling high" thereby helping slightly improve your total return through bear markets. Is the price relationship truly this formulaic? E. I don't think I will invest in a bond fund again. If you don't mind mortgage backed bonds, VBTLX should be fine. 23% and Max, which I assume means when I bought it, is down -6. I lost 8% on VBTLX nominally, plus opportunity cost of not investing that in stocks for the 3 years I held it. Learn why this Vanguard bond fund has such low returns and why individual bonds are a better alternative. Jun 23, 2024 · If I understand correctly, the price of VBTLX would be expected to rise roughly 6% in response to 1% interest rate cut. Feb 1, 2024 · I see a lot of different performance measures listed on the Vanguard site. 5% in 2016, and 3. Bond funds do better when interest rates go down and you can't go down from 0%. 8% and is down around 20% from its highs . Here’s why: Are Mar 9, 2020 · That's not the case as far as VBTLX goes. 16% to let the Wellington Fund Management to actively manage stocks and bonds. S. 22% while VBTLX down -0. 53% today? Do you prefer BND or VBTLX? I know they're basically the same thing, but assuming BND can automatically reinvest the dividends (which I assume it can/does?) I was going to go with the ETF BND. 76 for 1 year, its down -8. If there The fund is up over 10% for the year. It only yields 2. It's down because rates have shot up, but it's also starting to pay a real yield. If not, I'd guess that means inflation is eating us alive If you don't, you should. Feb 22, 2021 · [Why is VBTLX down???] by coffeeblack » Mon Feb 22, 2021 8:32 pm So what the you know what is happening with VBTLX? All I see is down. Why would I put $$ in VBTLX as some have suggested, when there are higher yielding options with less risk? Basically I’m looking for one metric that makes this comparison. Nov 15, 2023 · I have own VBTLX for a long time and it only seems to go down. How To Invest / Fund Directory / Vanguard Intermediate-Term Bond Index Fund Admiral Shares vs Vanguard Total Bond Market Index Fund Admiral Shares VBILX vs VBTLX Fund Comparison A comparison between VBILX and VBTLX based on their expense ratio, growth, holdings and how well they match their benchmark performance. While there are many bonds worth To OP's " VANGUARD TOTAL BOND MARKET INDEX returns " comment, I personally like the VBTLX future prospects. Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) - Find objective, share price, performance, expense ratio, holding, and risk details. Here are some of the reasons why I don't care for them. For a spread of 4. 1% year to date (9/30/17). VBTLX increased in value from February 5 until March 6, but has since decreased in value and it is now below where it was at on February 5, despite interest rates Realtime overview of issues and outages with all kinds of services. 75%! Can someone please help me understand how this is possible? Looks like they were equilibrating a bit after yesterday's mess when BND closed at a -$4. Could you sell VBTLX in the inherited and rebalance and buy VBTLX in aother account effectively moving the VBTLX to another account? I guess I am not seeing the full picture of your accouns. 8% Using these figures, if you had invested $1,000 in your stated asset allocation (70/15/10/5) in May, it should actually have grown to at least $1014. This obviously assumes VTSAX had taken a larger beating than VBTLX. " - Albert Einstein | Wiki article link: Bogleheads® investment Get the latest Vanguard Total Bond Market Index Fund (VBTLX) stock news and headlines to help you in your trading and investing decisions. Most Foreign countries have not started raising interest rates yet. The current price and the price in 2020 don't matter. With the potential of interest rates going down, is now a good time to consider BND? Or am I confused about how bond funds work and I just missed the boat; in other words, OCT 2023 was the time to buy? Why not buy FDIC Insured Certificates of Deposit? Aug 13, 2023 · We currently have 10% of our investments set to go in bonds (VBTLX), however we also recently opened a HYSA with Wealthfront which is paying 4. 28%? Do I need to concern myself with withdraw timing based on bond lifecycles? I'm obviously new to the Bond Fund concept Why is VBTLX dropping? Can someone explain why total bond market index fund is dropping? I was under the impression that during bear markets, investor flee to bonds, driving up its price. Should older retired people get out of bonds? If so, what should they 4 days ago · Why Amazon stock is falling despite strong earnings. Net result, doesn’t seem like it is smoothing out the ride, it’s tanking it. Over the past 5 years, the Fed has started raising US interest rates. Apr 11, 2022 · VBTLX is as good a vehicle to do so as any, and better than most. The Federal Reserve is expected to continue hiking rates to fight inflation, meaning more losses for bond holders could be on the horizon. The fund also makes a nice diversification partner to equity funds. Now I know where I can do more research- this is all foreign to me, but I am SO GRATEFUL for the kind responses DD 5 posts • Page 1 of 1 Return to “Investing - Theory, News & General” Jump to Mar 22, 2023 · VBTLX is down about $5,300 since I first invested in it; VBILX is down about $6,000. You're going to second guess a lot and think you made a bad decision. 23% by munemaker » Thu May 17, 2018 3:02 pm fantasytensai wrote: Thu May 17, 2018 2:25 pm If anything, I am the stupid one here because 49 posts into this discussion, I am still not understanding the advocacy for bond funds in a rising interest environment. VTABX is an intermediate term International bond fund. We may miss out on a bit of performance if rates do indeed drop from here, but we’re skeptical that rates will come down much, if at all, in both the near and This isn’t a bond bashing question, I promise! I’m just curious why anyone would buy bonds at all with today’s high treasury and money market yields? Wouldn’t a treasury or cd ladder ladder offer the “safety” that many desire with bonds? I get this might be chasing the market a bit, but timing yield isn’t the same as timing the market in my mind. Therefore, VBTLX is better IF your holding timeline is at least as long as the fund duration (6. credit rating may have far-reaching consequences for your money, experts say. NAV doesnt fluctuate all that much in a month to month basis to account for the variation. Now might be the time for a checkup. 54% for the year. 9 with an 8 year maturity and an 0. VBTLX has a -6. Vanguard Total Bond Market Index Fund, VBTLX The first bond I recommend is the Vanguard Total Bond Market Index Fund also better known as VBTLX. Jan 6, 2022 · VBTLX performance has been historically weak. Should it matter much on how long that might take if I am not reinvesting its dividends? Aug 1, 2023 · I been thinking about selling my total bond fund and replacing it with cds and some individual ladder bonds . Dec 9, 2023 · Good Afternoon, I am so confused on why I should invest in bonds (VBTLX) and I am looking at the Vanguard Total Bond Market Index Fund or VBTLX which is suggested as part of the 3 fund portfolio. You don't think that's attractive? Jan 21, 2015 · BND vs VBTLX Percent Difference Today by brainstorming » Fri Mar 13, 2020 11:23 pm Why is BND up 4. Jul 14, 2019 · A very naive question which highlights how little I understand about bond funds. VBTLX performance was a 0. I have a total of about $96,000 in there right May 17, 2010 · Since total bond/total international bond have mortgages, and the US mortgage market has 15/30 year fixed mortgages (encouraging people to hold onto existing mortgages when rates go up, and refinance while rates go down), I now see why VBTLX/VTABX performance is rather close (at least in the last 5 years: diagram:) Mar 29, 2020 · I can buy VBTLX with a couple of mouse clicks and be done with it. Jul 14, 2019 · We have of course enjoyed higher yields for the past couple of years to start to dig us out of the hole but this year interest rates have fallen by 0. Four key factors drive weak VBLTX performance: 1) Overdiversification Mutes Returns Since this Vanguard bond fund is so big, it owned 10,099 bonds on July 31, 2021. So VBTLX got crushed and VMFXX just kinda sailed along. VBTL is my second largest Feb 6, 2025 · To really understand why you should care about reduced fees — even by fractions of a point — you need to know what a low expense ratio actually means. In the vase of VBTLX it returns them every month - google VBTLX dividends and you can see the history. Mar 26, 2024 · When something doesn't make sense always assume it is your mistake or something you don't understand first. If they do start raising interest rates, their bonds will go down. When I look at the life return of this fund its down -1. Get Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX:NASDAQ) real-time stock quotes, news, price and financial information from CNBC. It has kept my rate of return down for so many years and it's just a drain on my portfolio. I know it takes $3,000 minimum to invest in a fund. Wouldn't it make sense to sell the fund and wait till the rates go up before buying? This way I would get the higher interest Feb 15, 2012 · In the interest of simplifying our holdings I am considering converting our VBTLX holding in IRA to the Cash Reserve Money market settlement fund. That applies to me too! Apr 20, 2024 · Re: Why BND is so popular here, and not BIV? by nisiprius » Sun Apr 21, 2024 12:55 am Actually, although Total Bond (VBTLX/BND) is the "default," the Vanguard Intermediate-Term Bond Index Fund (VBILX/BIV) is fairly often mentioned as an alternative. Oct 3, 2022 · Sadly in a rolling bond fund like bnd or vbtlx you never reach your duration; hence the challenge of having to sell with NAVs down in a rising rate environment. If I needed to input VBTLX's average return in a financial calculator, would I currently use a Return of 3. org: From Vanguard's list of "core funds," the funds that are best for a three-fund portfolio are: Vanguard Total Stock Market Index Fund (VTSAX) Vanguard Total International Stock Index Fund (VTIAX) Vanguard Total Bond Market Fund (VBTLX) So, a "three-fund EDIT: And with VBTLX's currently 30-day SEC yield being 4. While both funds track the same index 3 days ago · The crypto market today shows a sharp decline across major cryptocurrencies, with Bitcoin, Ethereum, and several altcoins dropping steadily over the past few weeks. Here's a look at the most popular picks. Looks like most other mutual funds follow the same relative path as their ETF equivalents. 96%", see below. New comments cannot be posted and votes cannot be cast. If holding a 60/40 mix of stocks and bonds (let's say VTSAX and VBTLX) you can just balance it yourself and then withdraw the $40,000 in which case $24,000 comes from the stock side and $16,000 comes from the bonds side, exactly the same as with VBIAX. 34% for the life of the fund I guess I am not sure the role a bond fund is supposed Sep 21, 2023 · I am heavy in VTSAX right now and about to purchase $16K in VBTLX to make it more aligned to 75% VTSAX and 25% VBTLX. Why did you buy it in the first place? Corporate bonds provide a reliable income stream and opportunities for capital appreciation. “ You dont get “more interest” because NAV fell. Let me know if this is not the right way to go forth and/or if buying $16K of VBTLX all at once right now is not a good idea. While that means the yield will go up rapidly if short-term rates go up (that would maximize your ROI), the yield will also go down rapidly if short-term rates go down (this would not maximize your ROI). Ask us - An Analysis of the Corporate Bond: Ways to Invest Today. Select from up to 50 different data points to find the mutual funds Nov 9, 2024 · Retired people with bond heavy target date funds have been hammered since 2021, even as stocks have done very well, since bond funds have lost a lot of value. 27 currently, to moving $$ to VBTLX which is 4. At one time my S&P 500 index fund was holding me back. May 21, 2017 · A difference between VBTLX and VUSXX is risk and the fact that the NAV of VUSXX remains at $1. 3% return in 2015, 2. We would like to show you a description here but the site won’t allow us. Mar 19, 2020 · I wonder if someone could explain why Vanguard's Total Bond Market fund (VBTLX) keeps going down each day lately? I had read here before that bond market funds typically increase in value when interest rates go up, and vice versa. 92%. This is from Bogleheads. If your bond allocation is a long term hold for you then VBTLX is fine. Mar 31, 2025 · Vanguard's index fund lineup continues to grow and cut costs. 71% YTD? by DecoyDave » Mon Jan 13, 2020 9:58 pm OK I am getting it and I have some terminology way off as usual, too. do I still just jump into VBTLX or just wait until bonds look more attractive? I just don’t think I understand a bond index enough to know when is a good time to buy. Nov 7, 2024 · A total bond market index fund usually includes government Treasury, agency bonds, mortgage-backed securities and investment-grade corporate bonds of all maturities. Feb 9, 2025 · Vanguard’s new fee cuts are a win for retail investors — helping to boost long-term returns. 55%. It's a small amount (70k) and I would have started to collect the pension in 6 years. Feb 11, 2024 · Re: VBTLX for shorter term needs [Vanguard Total Bond Market Index Fund] by gavinsiu » Sun Feb 11, 2024 10:44 pm Is the issue that VBTLX is at a loss. Yet, you are still trying to time the market. Jul 30, 2019 · I'm trying to understand why VBTLX (Vanguard's Total Bond Index Fund) returned 7. in the absence of other Fed interest rate moves, would 2 points of cuts reliably produce a ~12% price increase in short order (~1 month)? Or could it take much longer (months) or not happen at all? I would expect the price Apr 7, 2022 · So, why is it prudent for you to pick something other than VBTLX? I put 40% of my portfolio into the Wellington Fund with an expense ratio of 0. Nov 7, 2019 · Re: Why is VBTLX dropping? by RAchip » Sun Nov 10, 2019 8:29 pm “Don't feel bad about the NAV dropping. What am I missing? What am I missing? It seems to me bond index funds are a bad investment. 44%. 01% more in interest going foward (unless interest rates drop, but then your NAV will go up). When interest rates go up, the price of bonds goes down. Mar 7, 2021 · Simple. 15%. 9% is correct. 8% monthly. just looking at the most recent 12 month total return in the VBTLX "Best 1 Yr Total Return (Jun 3, 2024) 8. I liquidated my position today from this nightmare fund and I am replacing it with VTSAX. A comparison between BND and VBTLX based on their expense ratio, growth, holdings and how well they match their benchmark performance. I understand the value may be less than a new bond of the same duration offering higher dividends But as the bonds reach maturity will we see the bond fund values recover? May 9, 2022 · Vanguard’s Total Bond Market Index Fund (VBTLX) is a popular core bond holding for many, including me. Bond funds are priced mark-to-market every day, so the lower yielding securities within the fund are repriced to reflect a decline as newer issues pay a higher yield. g. Sep 15, 2022 · VBTLX Question by dbrbluv » Thu Sep 15, 2022 2:59 pm I have been using the 3 fund portfolio strategies and I have invested in VBTLX. Nov 27, 2024 · Why VBTLX Mutual Fund Is A Top Choice VBTLX is a popular core choice among risk-averse income investors. Not sure if the latter directly correspond to the ETF’s because the ETF’s don’t have index in their name. Mar 9, 2024 · I'm not sure why you titled your thread "Money Market or VUSXX" because VUSXX is the Vanguard Treasury Money Market Fund. Curious why VTSAX shows negative after close today, while VTI is up. For example, the stock market is down approximately 6%. If we have low inflation of say 2 or 3%, over the long term you’re losing a good chunk of change. According to Vanguard the current return of the VBLTX is 2. Yield to maturity, Average Coupon, Since Inception Return, Distribution Yield, etc. We have the HYSA for our mortgage down payment that we need to be liquid, but I’m wondering if it would make sense to just put our bond allocation here as well since the Here are the best Vanguard bond mutual funds and ETFs to own before the Federal Reserve cuts interest rates. Their rates are near zero. If your bonds are down more than your stocks, you have been chasing performance with you bond allocation. 51%. nlutctk tuokht tvcz rncpma xzehdvh mtmbmdp gpmrho wzg ixz xjxww igjkumi env zgvvkme tbrqo ianev