Dave Ramsey recommends a four fund portfolio with 25% allocated to four types of mutual funds;
Growth
Growth and Income
Aggressive Growth
and International Funds.
In this video I talk about the Vanguard options for the Growth and Income type of funds. Sometimes they are called Equity Income funds.

In 2021 I back tested Dave Ramsey’s four fund portfolio. By simulating a historic performance of $10,000 invested in each of the 4 types of mutual funds he recommends. You can use portfoliovisualizer.com to do this. I must say.

The performance for the Vanguard Growth and Income fund since inception (December 1986) is 10.20%. The 10 year average annual return is 12.19%

The average annual return for the Vanguard Equity Income fund over the last 10 years is 10.75%

I will give alternative funds for
Fidelity, T. Rowe Price and Schwab

Stay Hungry…(read more)

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Vanguard Growth and Income Funds: A Smart Investment Strategy

When it comes to investing, one of the biggest challenges is finding a strategy that provides a balance between growth and income. The Vanguard Growth and Income Funds offer a solution that can satisfy both objectives. Managed by one of the most reputable investment management firms, Vanguard, these funds are designed to meet the needs of both conservative and aggressive investors.

Vanguard Growth and Income Funds are mutual funds that provide investors with exposure to a diversified portfolio of stocks and bonds. The funds aim to achieve long-term capital appreciation and income by investing in companies that offer a combination of growth potential and dividend yield. These funds typically invest in large, well-established companies that have a history of generating consistent profits and paying dividends.

One key advantage of Vanguard Growth and Income Funds is their focus on risk management. These funds utilize a disciplined investment approach that involves extensive research and analysis to identify companies with solid fundamentals and proven financial stability. By avoiding high-risk investments, these funds strive to provide investors with a smoother investment experience and a more stable return.

Diversification is another crucial aspect of Vanguard Growth and Income Funds. These funds invest in a variety of sectors and industries, which helps to reduce the impact of any single company’s performance on the overall portfolio. With a diversified portfolio, investors can potentially benefit from different market conditions and reduce the risk associated with investing solely in one sector or industry.

Another reason why Vanguard Growth and Income Funds are highly regarded by investors is their low-cost structure. As part of Vanguard’s philosophy, these funds are designed to provide maximum value to investors by keeping expenses low. This is achieved through a passive investment strategy, which aims to replicate the performance of a specific market index rather than actively trying to beat it. By doing so, Vanguard Growth and Income Funds offer investors a cost-effective way to access a broad and diversified portfolio.

Vanguard Growth and Income Funds have also been endorsed by well-known financial expert Dave Ramsey. Ramsey, who is widely recognized for his conservative financial advice, often recommends these funds to individuals as a part of a balanced investment strategy. He appreciates their low costs, disciplined approach, and the potential for long-term growth and income generation.

It is important for investors to note that while Vanguard Growth and Income Funds can provide solid returns and income, investment in mutual funds always comes with risks. It is recommended to conduct thorough research and consult with a financial advisor to assess individual investment goals and risk tolerance before making any investment decisions.

In conclusion, Vanguard Growth and Income Funds offer a compelling investment opportunity for those seeking a balance between growth and income. Through their disciplined approach, diversification, and low-cost structure, these funds provide investors with the potential for long-term capital appreciation and a steady income stream. They have earned the trust of reputable financial experts like Dave Ramsey, making them a smart choice for investors looking to achieve their financial goals.