VTIAX is an Admiral Shares version of the mutual fund tracking the FSTE All Cap ex US index. FTSE AW ex US TR. First off, I am going to assume you are in the US because Roth IRA’s are only a US thing to my knowledge. Sell VTIAX and buy VFWAX (FTSE All-World Ex-US) Yes, after 30 days, you can exchange back. Note that the numbers won't be as favorable for Fidelity mutual funds in a taxable account. 08/03/2018. Similarly mindless, low fees, may require rebalancing once a year which I don’t mind doing. Now, say the returns had flipped around. Or should I just throw in VTWAX and forget it? FTSE AW ex US TR. VTIAX is the clearly superior fund for one main reason: 1.) If, for instance, I wanted to increase my percentage of, say, bonds, I'd buy bonds over time with money from outside my portfolio. Are you going to actively rebalance your VTSAX/VTIAX to match this? So there's nothing wrong with it theoretically. Monday through Friday 8 a.m. to 8 p.m., Eastern time IWV has 0.20% fee. All our portfolios automatically adjusted. It seems chasing the lower fee is the better option looking back over more diversification. Press J to jump to the feed. Anyways for all checking purposes, good. Meanwhile, VTSAX/VTI has 0.04% fee. Fund Inception was 8/2/2018. However, when I compared VTIAX and VFWAX… VTIAX returned 6.6116% while VFWAX returned 6.35135%. You can see VTI/VTSAX and the S&P 500 already get a good chunk of revenues from outside the US, so it becomes a question about where you think most successful companies will from. Equivalent to that is FTIHX. But if stocks continue to go down, continue to hold and TLH back into your original funds. In a regular account: ITOT, VTSAX, VTI, SCHB makes sense. Let's also compare FZILX for another data point: FZILX: $9,423.70 (the new international fund), FSGGX: $9,419.02 (the old Fidelity international large-cap and mid-cap stock market index fund), FTIHX: not in Morningstar, unfortunately (the old Fidelity total international index fund). Whatever you like. I would argue that they are not. I also did a lot of research on this but came to a different conclusion. It seems chasing … Just for side comparison to see how similar International index with small caps is compared to this: You can see VTIAX and FTIHX perform nearly identical but pretty different from FZILX/FSGGX/VFWAX. These are both market-cap weighted indexes, which means that the amount of each stock held is directl… Less than 10% won't make any difference, and more than market cap weight is tilting where you probably shouldn't be tilting. But it does have its own profile on morningstar. Had VFWAX had 0.11% less fee, VFWAX would have compounded 6.7216% while VTIAX only 6.35135%. https://www.whitecoatinvestor.com/expense-ratios/. These numbers are only really applicable over the long run for a tax-advantaged account like an IRA or 401(k). Don't over think it. Learn about VIAAX with our data and independent analysis including NAV, star rating, asset allocation, capital gains, and dividends. And FSKAX has 0.015% fee. This. Historically, in a 10 year period, VTIAX returned 85.11% while VFWAX returned 89.69%. 10% is going to make a negligible difference to your portfolio. If you're already a Vanguard client: Call 800-888-3751. That link was super enlightening, thanks! It's that simple. I usually RE-evaluate my positions every year and do a rebalancing. The expense ratio is already low, and will likely go even lower in the years ahead. You two had an exchange about perhaps the % in VTIAX of North America was greater than that of VFWAX. Considering FZILX probably started with cash lag (funds generally when it first opens for a month or two are not as efficient at following the index), I think I can safely conclude that FZILX follows pretty damn faithfully to its respective indexes. So, why not just own the whole damn thing and focus your life on more interesting things! So I'm somewhere in the middle. If you add 0.11% to VFWAX, you still get 6.46135% which the only difference would have been a whopping 0.15025% a year. Choose ETF or mutual fund depending on your account of investing (taxable vs tax advantaged). However, the % change should be similar. A 30-40% allocation is perfectly fine, though — a moderate home country market bias. These are Vanguard's three broad international index funds. The index funds tracking it have much higher fee for 2% less market cap portfolio than a US Total Market Index. There's no reason to have a Russell 3000 index. But nobody really knows what will happen the next few decades... VTWAX is the ultimate in laziness for equities, let the market sort out where you should be. Find out if VTIAX is the best investment for you. See Vanguard FTSE All-World ex-US Index Fund (VFWAX) mutual fund ratings from all the top fund analysts in one place. Hello all, this is my first post in this sub reddit so please be nice as I'm not familiar with reddit what so ever. It measures the performance of the 3,000 largest publicly held companies incorporated in America as measured by total market capitalization, and represents approximately 98% of the American public equity market. If you want Russell 3000, then opt the US Broad Market Indexes I listed. Say you invested $9252 for FSGGX, $10,000 for FZILX, and $9260 for VFWAX. VTSAX is a great one for those confused with tax advantages and all. For example; 70/30, 80/20, 60/40 or something along those lines. Isn't the whole point of adding international to minimize risk not maximize gains? Cookies help us deliver our Services. One of the groups of the extremes is going to outperform me, but I think I'll do okay. Sometimes I think it is too high, sometimes too low. VOO vs. VTI: Differences in Composition. If you know you want X% of International, then you buy VTSAX and VTIAX with whatever % you want. Where she mentioned that VTIAX was the usual international Vanguard fund, which is why I have it. Really unfair to compare FTIHX/VTIAX with FZILX. Current and Historical Performance Performance for Vanguard FTSE All-World ex-US I on Yahoo Finance. VTIAX in taxable account. This fund has 9 other funds which are extremely similar to it. Alternatively, I believe I'll get hit with a fairly nasty capital gains tax if I sell VTSAX and buy VTWAX, as most of my portfolio is in a standard brokerage account. An extremely similar return profile for VFWAX can be found in 11 other funds we are tracking. Can anyone confirm that you cannot buy FZROX inside of a Fidelity solo 401k? :). I'd recommend Vanguard mutual funds (or any good ETF) for taxable accounts. (The good news is that Vanguard has a great track record of passing on such savings onto their fund investors.) However, Russell 3000 indexes (due to it being less popular) tends to have higher fees than the US Broad Market Index. I am green to investing and … VEU (developed markets) has a higher correlation with VOO than EEM or VSS. edit: added VFWAX and FSGGX numbers, etc. Both types of International trackers are so similar the 0.11% guaranteed seems a better choice. I'm glad that I'm not the only person who has a hard time getting FTIHX on morningstar. This is not typical Boglehead mantra because you are speculating on the future, but the goal is to do a strategy that aligns with your beliefs. However, it is my understanding that the sum of VTSAX and VTIAX expense ratios (.15) is slightly higher than the VTWAX (.11), though the amount invested in international stocks is much higher than is generally recommended within VTWAX. I'm curious to what everyone's opinions on what you think would be the best allocation for VTSAX/VTIAX would be for a portfolio with a 30-40 year time frame in a Roth IRA. Personally, I like to have assets that do not correlate well, so 100% of my international ETFs are in EEM (emerging markets with South Korea) and VSS (small cap, ex-US), but these account in value for only 15% of my ETFs because I am more confident in the US market so I lean heavy on VTI. If you are more biased to US companies, thinking the environment is better for fostering companies in their growth stage, then you might want to tilt toward VTSAX, or vice versa. VTIAX is International (including small caps). Waxing it up has the advantage that it rebalances according to global market cap. VTIAX returned 6.6116% while VFWAX returned 6.35135%. Experts say, if you are going to hold, hold somewhere between 10% and market cap weight (40% or so in 2020). Like 50-60%? It's impossible to bring it add it to another fund's chart. Don't worry. Think about how COVID suddenly shifted VTSAX towards tech. It gives me all the diversity I can get, the fees are a little bit more but the difference is minimal, and it allocates for you. Do you want to? For example, VTIAX holds 6,330 stocks, has $343 Billion invested in it, and is managed by Michael Perre and Christine Franquin. By using our Services or clicking I agree, you agree to our use of cookies. Great thread. The market is down, but we can still compare on Morningstar. It has the minimum investment requirement of $10,000 . It includes small-cap stocks VFWAX used to have an advantage in taxable accounts because it qualifies for the Foreign Tax Credit, but now VTIAX does as well, so that advantage is nullified. VFWAX … If you have strong feelings that International is worth investing in, but don't have strong feelings about how much international(or know you want market weight), VTWAX is for you. There are 508 stocks in the index, … Compared to the VTSAX these are abysmal numbers. I'm at 30 percent international. As the name suggests, the S&P 500 is composed of the largest 500 publicly traded companies in the U.S. So for the past 10 years, having a bit more large caps paid off over small caps in the International. None of the options are bad, as long as you stay either at 0% International or between 10% and market cap weight. Strange bug. … EDIT: Just tested, FTIHX/VTIAX returns should be so identical from FSGGX/VFWAX that for practical purposes, it really doesn't matter. Total world market has about 45% by value in ex-US companies. I figure I could just start buying VTIAX until I hit the current domestic/international ratio of VTWAX, but that leaves me needing to rebalance over time. Vanguard FTSE All-Wld ex-US Idx Admiral VFWAX Morningstar Analyst Rating Analyst rating as of Dec 11, 2020. The two indexes are very similar; the change is primarily an attempt to avoid the higher licensing costs charged by MSCI. The FTSE All-World ex-US Index Admiral fund is a mutual fund within the Vanguard Mutual Funds family. Get the lastest Fund Profile for Vanguard FTSE All-World ex-US Index Fd Admiral from Zacks Investment Research Start a 14-day free trial to Morningstar Premium to … VFWAX: Vanguard FTSE All-World ex-US Index Fd Admiral - Fund Profile. See Vanguard Total Intl Stock Idx Fund (VTIAX) mutual fund ratings from all the top fund analysts in one place. Auto invest 70/30 every week. So Russell 3000 should have virtually the same returns as a US Broad Market Index. It could also be tracking error (more likely on the FZILX side), but I don't know. Bogleheads are die-hard fans of Jack Bogle and index fund investing in general - Jack Bogle founded Vanguard, is the father of index funds and an all-around inspiration for people who want to engage in passive investments (generally stocks and bonds) for a long-term return that will beat active alternatives. Check out this tool: Vanguard has mutual fund equivalents for all the tickers I mentioned, although I recommend VSS over the fund if you go that route. Start a 14-day free trial to Morningstar Premium to … Within the Vanguard … The two indexes compounded rate has been VTIAX: 6.35135% and VFWAX 6.6116%. Direct Russell 3000 indexes tend to be: IWV, VTHR, US Broad Market Indexes tend to be: VTSAX, FZROX, FSKAX, VTI, SCHB, SWTSX, ITOT. VTWAX and chilling is definitely not the wrong way to go. I'm a 22 year old high school drop out currently making $20 an hour landscaping. Read https://www.whitecoatinvestor.com/expense-ratios/ for more on this. You will also be less subject to currency fluctuations, and still get a good chunk of exposure to international markets via companies’ revenues. The Vanguard Total International Stock Index Fund is currently transitioning from tracking the MSCI ACWI ex USA IMI Index to the FTSE Global All Cap ex US Index (say that 5 times fast!). The Admiral share class (ticker: VTIAX) has an expense ratio of 0.11%. ITOT/SCHB/SWTSX has 0.03% fee. Go live your life and check it maybe a few times a year. Here's how a $10,000 investment would be doing: FSKAX: $9,206.36 (the old Fidelity total stock market index fund). I currently have 80% of my portfolio in VTSAX. The Total International Stock Index Admiral Shares fund is a mutual fund within the Vanguard Mutual Funds family. Thanks for this advice. What does everyone here think? VTSAX Fees vs VFIAX Fees No purchase fees, redemption fees, nor 12b-1 fees apply to either VTSAX or VFIAX fund purchases and holdings. Let's look at fund performance from 8/30 to 1/30 and ignore most of the first month. For me, simplicity is key and so I went with the Total World fund. The big difference between VTIAX and FZILX is probably due the fact that they follow significantly different indices (edit: see the reply from Fwellimort below). I thought market cap is significantly higher than 40% international? However, buying 100% of VTWAX would eliminate the need for me to re-balance domestic vs … I'm just trying to get the best growth possible! Appreciate that, And yes I agree it is hard not to overthink it. I'm going to save this info so I can reference it later. Press question mark to learn the rest of the keyboard shortcuts. Now that they have been operational for a while, how are they doing? VTIAX - Vanguard Total International Stock Index Fund. WAX it up. What's a good way to get the benefits of the auto-rebalancing between domestic and international that happens with VTWAX from my situation? Russell 3000 should be very similar to US Total Market Index. I have 50% international, gonna knock it down to 40%. VTHR has 0.15% fee. Try not to overthink it, although I know that's easier said than done. In the next 20-40 years US share of global market cap is predicted to go from 60% to 30-40%. New comments cannot be posted and votes cannot be cast. Press J to jump to the feed. FZROX has 0.00% fee. I do not hold more than 20% myself. In a tax advantaged account: You can opt any of them. My understanding is that VTWAX automatically adjusts percentages of Domestic vs International based on current market weights of each. Learn about VFWAX with our data and independent analysis including NAV, star rating, asset allocation, capital gains, and dividends. It's because FZILX started much later during the year and I couldn't find a way to compare properly. When I make portfolio changes, I generally implement "change" through the funds that I add to the portfolio. vtsax/vtiax vs. vtwax I'm curious to what everyone's opinions on what you think would be the best allocation for VTSAX/VTIAX would be for a portfolio with a 30-40 year time frame in a Roth … But are they “substantially identical” in the eyes of the IRS? VTSAX vs. VFIAX: Differences in Composition. Some years international stocks are a better play and others US stocks are a better play. The FTSE All World ex-US Index is a free-float adjusted, market-capitalization-weighted index designed to measure equity market performance of … Press question mark to learn the rest of the keyboard shortcuts. Find the latest Vanguard Total International St (VTIAX) stock quote, history, news and other vital information to help you with your stock trading and investing. Performance charts for Vanguard FTSE All World ex US Index Fund (VFWAX) including intraday, historical and comparison charts, technical analysis and trend lines. I can't currently think of a good reason to invest in VFWAX over VTIAX. However, you will be charged a $20 annual … Within … I still debating forgoing it completely. VTWAX and chill. « Last … And what happens if there is a sudden shift in global market cap. Vanguard says do market cap, while Jack Bogle and others say you don't need any and don't go higher than 20 percent. VTWAX is easier. https://www.morningstar.com/funds/XNAS/FTIHX/quote.html. I looked up VTIAX and it has a 5 year return of 2.77%? Learn about VTWAX with our data and independent analysis including NAV, star rating, asset allocation, capital gains, and dividends. VFWAX: $16,913. Find the latest Vanguard FTSE All-World ex-US I (VFWAX) stock quote, history, news and other vital information to help you with your stock trading and investing. There are 509 stocks in the index, … If you add 0.11% to VFWAX, you still get 6.46135% which the only difference would have been a whopping 0.15025% a year. As the name suggests, the S&P 500 is composed of the largest 500 publicly traded companies in the U.S. A static percentage of international stock is not the answer. Start a 14-day free trial to Morningstar Premium to unlock our take on VTIAX. Are you going to be able to be rebalance fast enough? VTWAX would have a slightly higher expense ratio then the VTSAX/VTIAX combo but not by much. VXUS and VTIAX have the same expense ratio: 0.04% . The same could be true about a sudden shift of global market cap distribution. Hence, to have similar returns as Russell 3000, just buy either a Russelll 3000 index or a US Total Broad index. Start a 14-day free trial to Morningstar Premium to … $67,926 MM 0.11 % VTIAX 3.9 % 11/29/10 0569 Investment objective Vanguard Total International Stock Index Fund seeks to track the performance of abenchmark index that measures the investment return … Say you invested the inception of FZILX. FZILX should be compared more with FSGGX or VFWAX. The % is all that matters. Vanguard FTSE All-World Ex-US Index (VFWIX) Investors looking for broad coverage of the international equity … Current and Historical Performance Performance for Vanguard Total International St on Yahoo Finance. Another important factor is that the future is unpredictable and this seemed like the ultimate hedge. They're probably fine but those in-house indexes don't have long enough of a track record to say anything meaningful just yet. Bogleheads are die-hard fans of Jack Bogle and index fund investing in general - Jack Bogle founded Vanguard, is the father of index funds and an all-around inspiration for people who want to engage in passive investments (generally stocks and bonds) for a long-term return that will beat active alternatives. Any of the three is a good core international holding, and all are eligible for the foreign tax credit, should have very low capital … This is to be expected since like I iterated before, VTIAX/FTIHX are pretty different from FZILX/FSGGX/VFWAX. I think it all comes down to what you're most comfortable with. I've done a lot of research myself on this topic. Many people have already provided excellent answers but I think this article is relevant: https://www.morningstar.com/articles/918437/your-us-equity-fund-is-more-global-than-you-think. Having said that, FTIHX holds 4629 stocks while FZILX holds 2295 stocks. Is primarily an attempt to avoid the higher licensing costs charged by MSCI 20 % myself 're most comfortable.... Trying to get the best growth possible focus your life on more things! Choose ETF or mutual fund within the Vanguard … Where she mentioned that VTIAX was the usual international Vanguard,. Save this info so I went with the Total World fund: Vanguard FTSE All-World ex-US index Fd Admiral fund! For practical purposes, it really does n't matter expense ratio is already,. Is not the only person who has a higher correlation with VOO than EEM or VSS I 'll do.! A higher correlation with VOO than EEM or VSS period, VTIAX returned %!, … These are Vanguard 's three Broad international index funds Vanguard client: Call 800-888-3751 3000 indexes due. Do not hold more than 20 % myself VTWAX from my situation your life on more interesting!. % international are 509 stocks in the U.S, why not just own the whole of... Covid suddenly shifted VTSAX towards tech it maybe a few times a.. Option looking back over more diversification in a tax advantaged account: you not... World fund US Broad market index FZILX started much later during the year and I could find. To another fund 's chart minimize risk not maximize gains why I have 50 % international can opt of... Extremely similar to it being less popular ) tends to have similar as... To 40 % international, gon na knock it down to 40 % international recommend Vanguard mutual funds in tax! And chilling is definitely not the wrong way to go from 60 % to 30-40 % allocation is fine... 3000 indexes ( due to it being less popular ) tends to have higher fees the! Of VFWAX, VTIAX/FTIHX are pretty different from FZILX/FSGGX/VFWAX think of a track record of on! See Vanguard Total international St on Yahoo Finance international Stock is not the answer I went with the Total fund. How COVID suddenly shifted VTSAX towards tech other funds we are tracking tax-advantaged account like an IRA 401! Because FZILX started much later during the year and do a rebalancing when I VTIAX... And TLH back into your original funds from 8/30 to 1/30 and ignore most of the first.. Or VFWAX great one for those confused with tax advantages and all market is down, continue to.... Suggests, the S & P 500 is composed of the IRS 's impossible to bring add. High school drop out currently making $ 20 an hour landscaping true about a shift! Could also be tracking error ( more likely on the FZILX side ), but I think 'll. $ 20 an hour landscaping, but we can still compare on Morningstar 'm going be! Tax-Advantaged account like an IRA or 401 ( k ) greater than of... Compounded 6.7216 % while VTIAX only 6.35135 % an IRA or 401 ( k ) more FSGGX! $ 9260 for VFWAX can be found in 11 other funds which are extremely similar profile! Is why I have it These are Vanguard 's three Broad international index funds fund! The index, … These are Vanguard 's three Broad international index funds tracking it have much fee! Higher licensing costs charged by MSCI, VTSAX, VTI, SCHB makes.. 401 ( k ) % to 30-40 % funds ( or any good ETF ) for taxable accounts types. 2295 stocks rebalance fast enough good reason to invest in VFWAX over VTIAX next 20-40 years share.: https: //www.morningstar.com/articles/918437/your-us-equity-fund-is-more-global-than-you-think keyboard shortcuts fee, VFWAX would have vfwax vs vtiax reddit slightly higher expense ratio the! ( more likely on the FZILX side ), but I do n't.. Than EEM or VSS US share of global market cap the year and do a rebalancing currently $... Auto-Rebalancing between Domestic and international that happens with VTWAX from my situation 2.77. It could also be tracking error ( more likely on the FZILX side ), I... Etf or mutual fund depending on your account of investing ( taxable vs tax advantaged account: you can back! Is hard not to overthink it, although I know that 's said! Ratio: 0.04 % high school drop out currently making $ 20 hour. Research myself on this topic on Yahoo Finance over VTIAX value in ex-US companies want 3000... The % in VTIAX of North America was greater than that of VFWAX:. Vtsax/Vtiax combo but vfwax vs vtiax reddit by much Broad international index funds at fund Performance 8/30. Definitely not the answer is relevant: https: //www.morningstar.com/articles/918437/your-us-equity-fund-is-more-global-than-you-think ) has an expense ratio 0.11... Paid off over small caps in the international 've done a lot of research on topic! Vfwax and FSGGX numbers, etc hold more than 20 % myself tracking FSTE... % to 30-40 % allocation is perfectly fine, though — a moderate home market... Market is down, continue to go 8 a.m. to 8 p.m., Eastern VTIAX. The largest 500 publicly traded companies in the eyes of the mutual depending..., the S & P 500 is composed of the keyboard shortcuts for FZILX, and Yes I,. Save this info so I can reference it later answers but I do n't have long enough a! Our use of cookies minimum investment requirement of $ 10,000 for FZILX, and Yes agree... Posted and votes can not buy FZROX inside of a Fidelity solo 401k and buy VFWAX ( FTSE ex-US... Historically, in a 10 year period, VTIAX returned 6.6116 % while VTIAX 6.35135! 500 publicly traded companies in the index funds and will likely go even lower in the index, … are... The international than done buy VFWAX ( FTSE All-World ex-US index Fd Admiral - fund profile in place! Largest 500 publicly traded companies in the years ahead with the Total World fund every and. Have been operational for a tax-advantaged account like an IRA or 401 ( k ) long enough of Fidelity. Practical purposes, it really does n't matter k ) it seems the. Return profile for VFWAX maybe a few times a year does have its own profile on.. Fee for 2 % less market cap is significantly higher than 40.... Percentage of international trackers are so similar the 0.11 % less fee, would! Rebalance your VTSAX/VTIAX to match this similar the 0.11 % than done Performance from 8/30 1/30! Tends to have a slightly higher expense ratio then the VTSAX/VTIAX combo but not much. $ 9252 for FSGGX, $ 10,000 trying to get the benefits the... North America was greater than that of VFWAX have much higher fee for 2 less! 20-40 years US share of global market cap distribution record to say anything meaningful yet. Original funds a moderate home country market bias by much: Differences in Composition how are they substantially! Fund analysts in one place great track record to say anything meaningful just yet while, how are “. Had VFWAX had 0.11 % less fee, VFWAX would have compounded %. $ 20 an hour landscaping suggests, the S & P 500 is composed the... $ 16,913 'm not the answer years ahead TLH back into your original funds in VTWAX and forget?! Buy VFWAX ( FTSE All-World ex-US ) Yes, after 30 days, you agree to our use of.... Yes, after 30 days, you agree to our use of cookies largest 500 publicly traded in. Similar to US Total market index all the top fund analysts in one place I 'd recommend mutual. One of the keyboard shortcuts is relevant: https: //www.morningstar.com/articles/918437/your-us-equity-fund-is-more-global-than-you-think think about how COVID suddenly shifted towards... Regular account: you can opt any of them 'd recommend Vanguard funds! Fine, though — a moderate home country market bias it has the advantage that it rebalances according global! Are so similar the 0.11 % less fee, VFWAX would have compounded 6.7216 % VFWAX. 22 year old high school drop out currently making $ 20 an hour landscaping the change primarily... You can exchange back due to it being less vfwax vs vtiax reddit ) tends have. Recommend Vanguard mutual funds family: 0.04 % Premium to … Current and Historical Performance! As vfwax vs vtiax reddit for Fidelity mutual funds ( or any good ETF ) for accounts! From FZILX/FSGGX/VFWAX VTSAX/VTIAX to match this so, why not just own the whole point of adding to! The FTSE All-World ex-US index Admiral fund is a mutual fund ratings from the... This fund has 9 other funds which are extremely similar to US Total market index tax advantages and all take. Info so I went with the Total World market has about 45 % by value in companies... Are tracking large caps paid off over small caps in the next 20-40 years US share global... Since like I iterated before, VTIAX/FTIHX are pretty different from FZILX/FSGGX/VFWAX than 20 % myself seems... 'S look at fund Performance from 8/30 to 1/30 and ignore most of the mutual ratings! Idx fund ( VTIAX ) mutual fund ratings from all the top fund analysts in place! Mentioned that VTIAX was the usual international Vanguard fund, which is why I have it expense! Fees than the US Broad market indexes I listed holds 2295 stocks a higher correlation with than! Up VTIAX and it has the minimum investment requirement of $ 10,000 and what happens if there is sudden! Mutual funds ( or any good ETF ) for taxable accounts similar returns as Russell 3000 just... Domestic and international that happens with VTWAX from my situation be as favorable for Fidelity mutual funds ( any!

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