VTSAX vs. VTWAX . I am 100% vtsax in my Roth. But seeing so much talk of VT.. why This thread is archived New comments cannot be posted and votes cannot be cast comments sorted by Best Top New Controversial Q&A BobSanchez47 • ...Chief. VTWAX is the equivalent of about 60% VTSAX + 40% VTIAX. Personally I prefer to be heavier on US exposure and less international, so I'd rather hold 80% VTSAX and 20% VTIAX, as opposed to 100% VTWAX like you are doing. Your method is fine in general, just be aware of the allocation. Also be aware of taxes if you buy/sell to rebalance though.The only difference is that VTI's expense ratio is slightly lower at 0.03% compared with 0.04% for VTSAX. This is in alignment with other Vanguard comparisons, such as VOO versus VFIAX. The ...If you backtest on portfolio visualizer from 2001, VTSAX averaged 8.45% per year, and SWTSX averaged 8.42% per year (dividends reinvested included). Very minuscule difference. Reply. Award. Share More replies More replies. 12 votes, 37 comments. I know boggleheads recommend VTSAX due to some certain tax patent that basically lets their …Mar 24, 2022 · The higher the Sharpe ratio the better as it means that the fund is generating higher returns per every unit of risk it takes. For VFIAX, the Sharpe ratio stands at 1.38. Meanwhile, for VTSAX, that same ratio stands at 1.32. Between the two, VFIAX is delivering better risk-adjusted gains as its Sharpe ratio is higher.All things being equal, higher standard deviation measures indicate a higher dispersion around the mean return, suggesting more volatile returns over the selected time period. VFIAX currently has a better standard deviation. As of 6/30/2023, VFIAX’s 3-year standard deviation is 18.19%, while VTSAX’s is 18.46%.Almost every YouTuber/poster seems to go all in on VTSAX. Remember, there's a lot of junk out there, especially on YouTube and other social media. I've never seen anything even remotely approaching a good reason for doing so.VFIAX VIMAX VSMAX VTMGX VEMAX. I have these to choose from in 401k. I took a look on portfolio visualizer and it looks like best way to mimic VTSAX is 85% VFIAX and 15% VSMAX. For VTIAX, looks like 75% VTMGX, 25% VEMAX. So if I'm looking to replicate VTWAX, I believe I want following: 51% VFIAX 9% VSMAX 30% VTMGX 10% VEMAX. Does this look right?It's more diversified than an S&P 500 index fund because it contains 5,000 of the largest companies. It's worth noting that the VTSAX has a slightly higher expense ratio (0.04%) than the FSKAX (0.015%). If you're looking to save every penny, then it makes more rational sense to invest in the FSKAX. All things considered, as long as you're not ...The Fund employs an indexing investment approach designed to track the performance of the CRSP US Total Market Index, which represents approximately 100% of the investable U.S. stock market and includes large-, mid-, small-, and micro-cap stocks.7 Likes. The Alpha Sieve. 3.55K Follower s. Summary. VOO is a passively managed ETF that tracks the S&P 500; VTSAX is the largest US-based mutual fund that covers the extended market. VOO is...Fund Size Comparison. Both VTSAX and WFSPX have a similar number of assets under management. VTSAX has 872 Billion in assets under management, while WFSPX has 16.8 Billion . Minafi categorizes both of these funds as large funds. Fund size is a good indication of how many other investors trust this fund.VTWAX vs VTSAX/VTIAX in taxable. I’m much more attracted by the theory behind the VTWAX fund, in that the US:Itl ratio is specifically market-capitalized and I absolutely adore that. However, I’ve come across many forums stating that although VTWAX is perfectly acceptable in a tax advantaged account such as a Roth IRA, but not so much in a ...It will make for easier rebalancing and better tax-lost harvesting. If you add VTWAX, you're doubling up on the stocks in VTSAX. To me, VTWAX only makes sense if you're using it for one-equity-fund simplicity. +1. Go with VTWAX in your IRA's and VTSAX and VTIAX in your taxable account. If you're cool with world market cap, you won't need to ...VTSAX vs. VTWAX - Volatility Comparison. Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) has a higher volatility of 3.18% compared to Vanguard Total World Stock Index Fund Admiral Shares (VTWAX) at 2.96%. This indicates that VTSAX's price experiences larger fluctuations and is considered to be riskier than VTWAX based on this measure.It's more diversified than an S&P 500 index fund because it contains 5,000 of the largest companies. It's worth noting that the VTSAX has a slightly higher expense ratio (0.04%) than the FSKAX (0.015%). If you're looking to save every penny, then it makes more rational sense to invest in the FSKAX. All things considered, as long as you're not ...To invest in VTSAX via Vanguard, you must invest a minimum of $3,000, and additional investments can be made in $1 increments. As of January 2023, its 30-day yield is 1.63%, and it's a very tax-efficient fund to own in a taxable brokerage account. VTSAX is the world's first trillion-dollar fund. Between its other share classes, including the ...Your numbers are pretty far off. The 5 year return for VTSAX is 50.69%. The 5 year return for VASGX is 21.36%. So while that's not nearly as good as 50%, that's a hell of a lot better than 3%. I always thought VASGX was just a standard mutual fund that was perhaps a bit more aggressive. It is pretty standard.VTSAX VOO or VFIAX S&P 500 Index vs. VTWAX Total World Index (US and international) For long-term buy and hold, which is the better (more likely) bet? VOO has lower costs and the U.S. performance has outpaced the world in general since WWII.Vanguard has some of the lowest-cost, highest-liquidity mutual funds around. Here we'll look at the best Vanguard mutual funds for 2023.// TIMESTAMPS:00:00 -...If you choose to go with the three-fund portfolio, a good place to start are these three funds: VTSAX (0.04% ER) VTIAX (0.11% ER) VBTLX (0.05% ER) At 60/30/10 weights, the blended expense ratio for this three-fund portfolio would be 0.06%, or 0.09% less than the expense ratio of VLXVX (Vanguard Target Retirement 2065 Fund).This is 70% VTWAX and 30% VTSAX : r/Bogleheads. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Jack founded Vanguard and pioneered indexed mutual funds. His work has since inspired others to get the most out of their long-term investments.The exact same principle holds between groups of stocks. If you split between VTSAX/VTIAX to match VTWAX, they will track each other on their own. During the Covid crash, there were dramatic price changes affecting international more deeply than domestic, and my portfolio never stopped closely tracking VTWAX.VITAX vs. VTSAX - Performance Comparison. In the year-to-date period, VITAX achieves a 11.86% return, which is significantly higher than VTSAX's 10.89% return. Over the past 10 years, VITAX has outperformed VTSAX with an annualized return of 20.63%, while VTSAX has yielded a comparatively lower 12.26% annualized return.VTSAX VOO or VFIAX S&P 500 Index vs. VTWAX Total World Index (US and international) For long-term buy and hold, which is the better (more likely) bet? VOO has lower costs and the U.S. performance has outpaced the world in general since WWII.Difference 1: Minimum Investment. To invest in VTI, you buy units of shares. This means that the minimum investment is the price of one share which, at the time of writing, is $128.46. For VTSAX, the minimum investment is $3,000. This means that if you're not quite at the level of investing $3,000 and don't like the idea of waiting to save ...This is a genuine question I am trying to understand. With a $10k initial investment in VTSAX in 1972 and annual rebalancing, you would have $372,681 today. The same in VTWAX (56.6% US and 43.4% Ex-US) would give you $236,164 today. This is a difference of $136,517, and not an insignificant amount.VTIAX (mentioned above) is the 'separate' fund (only international) - VTWAX is the 'combined' fund. So yes, VTWAX in taxable is slightly more tax inefficient, but either way diversification is worth more than a few basis points.VTI effectively IS VTSAX, there is no real material difference, same fund, just different "wrappers", so it doesn't matter. There is also VT and VTWAX (again same underlying assets), which is VTI + VXUS if you want to be lazy. 2. brianmcg321. • 2 yr. ago.But for a one and done solution VTWAX is the best. No more think about how much and where. Just VTWAX (or VT for an etf) + a bond fund and chill. ... VTSAX/VTI is a great choice, and the ratio of 90/10 is fine too. I recommend 70/30, but the actual correct ratio is a "god only knows" question.Performance Comparison of SPYG vs. VTWAX The total return performance including dividends is crucial to consider when analyzing different investment funds. As of 1/15/2024, SPYG has a one year annualized return of 29.97%, while VTWAX has a five year annualized return of 21.87%.VTSMX vs. VTSAX - Performance Comparison. The year-to-date returns for both investments are quite close, with VTSMX having a 10.99% return and VTSAX slightly higher at 11.05%. Both investments have delivered pretty close results over the past 10 years, with VTSMX having a 12.17% annualized return and VTSAX not far ahead at 12.28%.However, upon doing further research, it looks like VTSAX is the same thing with a lower expense ratio (.05% vs .17%) but higher minimum ($10,000 vs $3,000)? I put in $5,500 just now for 2015, and I have another $5,500 available for 2016. Would I be better off putting the money into VTSAX for the lower ER? The two seem pretty much the same in ...The inclusion of mid- and small-cap in VTSAX (which covers 99.5% of the U.S. stock market capitalization) creates legit differences. Mid- and small-cap are considered risker than large-cap companies (e.g. S&P500), which is why VTSAX is down 10% on the year while VOO is down 8%. Btw, you can buy VTSAX as an ETF, ticker VTI.FXAIX vs. VTSAX Dividend Yield. Both FXAIX and VTSAX pay dividends to their shareholders from the earnings of their underlying stocks. The dividend yield is a measure of how much a company pays in dividends relative to its share price. As of 1/15/2024 the dividend yield of FXAIX is 1.69%, while the dividend yield of VTSAX is 1.38%.VTSAX, VTWAX, and a few other noob questions . Age 30. I've been VTSAX (and some VTIAX) and chill for a few years now with my Vanguard Roth IRA. For simplicity, my work (traditional) 401k and HSA through Fidelity are VANG TARGET RET 2055 (VFFVX) and FIDELITY TOTAL MARKET INDEX FUND (FSKAX) respectively.you could also simplify to VTWAX (or VT). That's one fund but holds the total GLOBAL stock market, similar to your holding two separate funds of total US stock market index + total international stock market index (depending upon your weighting to US vs International, if similar or disimilar to how the world holds the two proportionally).For both VTI and VTSAX, their top 10 holdings account for 23.9% of their total portfolio. Meanwhile, foreign holdings (non-US companies) account for only 0.1% of the fund's total assets. Here are the top holdings for each of the funds: Top Holdings (VTI) Top Holdings (VTSAX) Apple Inc. Apple Inc.6.76B USD. Yield. 2.11%. Front load. -. Inception date. Feb 7, 2019. Get the latest Vanguard Total World Stock Index Fund Admiral (VTWAX) real-time quote, historical performance, charts, and other ...The value fund has a slightly higher expense ratio too. No it doesnt make it better. The people who slice and dice, tilt to particular corner in market or use factors uses value funds. You can just invest blended fund - TSM or SP500 and be done with it. "My conscience wants vegetarianism to win over the world.Imagine on Dec 31, 2022 you held exactly $10,000 worth of both VTSAX and VTI and on that day they paid out a dividend of $1.5397/share for VTSAX and $3.1831/share for VTI. Using the closing prices on 12/31/2022: VTSAX share price on 12/31/22: $93.10. $10,000 = 107.411 shares.IVV vs. VTSAX Holdings. A fund's holdings are the basket of individual securities that it owns and tracks. It is crucial for investors to analyze a fund's holdings because they are effectively what you are investing in by purchasing the fund. As of 1/15/2024 IVV holds 508 securities, while VTSAX holds 3761.Looking at VT (since VTWAX hasn't been around too long), it's growth is outperformed by VTSAX.vtsax and vti are nearly the same, it's just vtsax is a mutual fund and vti is an etf. The management fee is nearly the same. Vtsax you need to meet the minimum to buy and then you can automatically invest however you like. It's nice to set it and "forget it" and let it do its thing. With vti, there's no minimum.VTSAX vs. FSKAX - Performance Comparison. The year-to-date returns for both investments are quite close, with VTSAX having a 11.24% return and FSKAX slightly higher at 11.28%. Both investments have delivered pretty close results over the past 10 years, with VTSAX having a 12.30% annualized return and FSKAX not far behind at 12.29%.by TierArtz » Fri Apr 26, 2019 3:00 pm. Splitting the seven figure sum into VTSAX (2/3) and VTIAX (1/3) would result in slightly lower expenses due to the much lower ER for VTSAX. Total stock is 0.04%, Total International is 0.11%, and Total world is 0.10%. The difference on each $1M per year is $367.30 in favor of splitting.Ah okay, thank you! So if I were interested in doing 100% VTWAX, would it probably make sense to just do 100% VTWSX rather than looking around at some alternative? (like a combo of VTSAX and VTIAX). (Though I wonder if I may be opening a bigger can of worms with that question than I anticipate)Get the latest Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) real-time quote, historical performance, charts, and other financial information to help you make more informed trading ...If you choose to go with the three-fund portfolio, a good place to start are these three funds: VTSAX (0.04% ER) VTIAX (0.11% ER) VBTLX (0.05% ER) At 60/30/10 weights, the blended expense ratio for this three-fund portfolio would be 0.06%, or 0.09% less than the expense ratio of VLXVX (Vanguard Target Retirement 2065 Fund).Sep 12, 2023 · One of the main differences between VTSAX and VFIAX is the number and diversity of their holdings. VTSAX holds more than seven times as many stocks as VFIAX (3,596 vs. 508 as of December 31, 2020). This means VTSAX offers more diversification than VFIAX across different sectors, industries, and companies.Android’s April 2020 security patch includes an essential improvement for the Pixel 4's facial recognition feature. It’s simple, but important upgrade to your phone’s security: A p...The correlation between VTWAX and VTSAX is 0.97, which is considered to be high.That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.I would recommend VTWAX, and I came to this conclusion after the tirelessly deliberating between the two myself (actually three, VTWAX vs VTSAX/VTIAX). I prefer VTWAX because it's globally diversified (I'm comfortable with the 59% (NA) /41% (Emerging Markets/Int'l) split), doesn't require me to rebalance it (I enjoy being hands off), and own ...VTSAX, VTWAX, and a few other noob questions . Age 30. I've been VTSAX (and some VTIAX) and chill for a few years now with my Vanguard Roth IRA. For simplicity, my work (traditional) 401k and HSA through Fidelity are VANG TARGET RET 2055 (VFFVX) and FIDELITY TOTAL MARKET INDEX FUND (FSKAX) respectively.Both ETF's and index funds are low cost and basically the same in terms of investments (As long as you are comparing equivalent ETF to fund products). However, I prefer index funds like VTSAX because of: Automatic Purchasing. Full Amount Is Purchased. ETF's require you to go into the account each month and purchase the ETF.VTSAX tracks the Total Stock Market (very close to S&P 500 as comparisons of performance will show but a different, broader index). VWUSX, on the other hand, is not an index fund but invests principally in larger US stocks. This fund's history shows it has a Beta of 110, recognizing that it has more volatility than an index fund that tracks ...VTSAX and VFIAX have been nearly 100% correlated for the last 20 years (unsurprisingly because VFIAX is about 85% of VTSAX by weight). There's no reason to use the three funds to mimic the single total market fund. It's just added complication for no additional benefit. However, in the past (and expected to continue), the small-caps have out ...Only the "share class" it's the same fund as VT or vtwax just built for large purchases like a 401k servicer would do. There's very very slight differences, and most of these differences are in the fee structures. Institutional shares (VTWIX) have cheaper fees, so that's why the expense ratio is better.I would recommend VTWAX, and I came to this conclusion after the tirelessly deliberating between the two myself (actually three, VTWAX vs VTSAX/VTIAX). I prefer VTWAX because it's globally diversified (I'm comfortable with the 59% (NA) /41% (Emerging Markets/Int'l) split), doesn't require me to rebalance it (I enjoy being hands off), and own ...Created in 1992, Vanguard Total Stock Market Index Fund is designed to provide investors with exposure to the entire U.S. equity market, including small-, mid-, and large-cap growth and value stocks. The fund’s key attributes are its low costs, broad diversification, and the potential for tax efficiency. Investors looking for a low-cost way ...VTSAX + VXUS = VT So, they're literally the same thing. You could sell VTSAX and VXUS and put it all in VT, or you could sell VT and split it between VTSAX and VXUS based on your preferred % of US vs international. Alternatively, given that it's basically the same, you could leave it (so long as it balances in the way you want).FSKAX vs VTSAX Chart — Performance. The performance of these two funds tracks almost identical. Here’s a daily updated 10-year FSKAX vs VTSAX chart tracking against each other. As you can see, rarely do the funds skew from each other. As these funds perform almost identically, either one will be suitable for broad equity coverage in your ...4. Share. mattice06082. • 5 yr. ago. VINIX is the institutional version of their S&P 500 fund not their total stock market indeed like VTSAX. However the correlation between the two is quite high (they're very similar). 4. Share. true.VFIAX closely tracks the S&P 500 and may have the potential to slightly outperform VTSAX in the future. VTSAX is a little more flexible: VTSAX offers a higher level of flexibility than VFIAX. The ...VFIAX is a subset of VTI/VTSAX. Vanguard TDFs offer a globally-diversified mix of imperfectly-correlated asset classes, which automatically handles the rebalancing for you, and has a built-in glide path to increase exposure …VSGAX vs. VTSAX - Performance Comparison. In the year-to-date period, VSGAX achieves a 5.34% return, which is significantly lower than VTSAX's 10.89% return. Over the past 10 years, VSGAX has underperformed VTSAX with an annualized return of 8.66%, while VTSAX has yielded a comparatively higher 12.26% annualized return.Biggest choice is how much risk you want to take. VWELX is about 1/3 in bonds and cash, which reduces volatility, but also reduces highest potential return. You also pay a much higher (although still relatively inexpensive) expense ratio for VWELX. VTSAX is an extremely inexpensive index fund holding 100% stocks (a market-cap weighted index ...VSMPX at $102.40, yield of 1.97% will give you an annual dividend of $2.02 per share. So, the ratio of dollars from dividends to share price is roughly the same (the definition of dividend yield). In terms of dollars, for every $1,000 invested, VTSAX will pay out $19.40 and VSMPX will pay out $19.70.Whether you just want to be able to hack a few scripts or make a feature-rich application, writing code can be a little overwhelming with the massive amount of information availabl...In short, you are exposed to the currency. However, a really strong dollar is probably the result of a strong American economy which will probably mean American companies do quite well and shove the market upwards. If you add in VTWAX, you are betting on the global economy. You don't have the American currency to work against.bg5: You are not crazy. Many speculators are tempted to invest in VIGAX (Vanguard Growth Index) because the growth factor is currently outperforming the value factor. I strongly suggest that you continue holding VTSAX (Total Stock Market). Forget about trying to beat the market (you probably won't). Best wishes.Fund Size Comparison. Both VTSAX and WFSPX have a similar number of assets under management. VTSAX has 872 Billion in assets under management, while WFSPX has 16.8 Billion . Minafi categorizes both of these funds as large funds. Fund size is a good indication of how many other investors trust this fund.In your case, the main difference is VTSAX is the total US stock market, over 3,800 stocks and FXAIX is the S&P500, 508 stocks. The reason the returns are so similar is because the S&P500 alone makes up about 80% of the entire US market. The choice in your case is if you want the total market or most of the market. 2. Reply.VTSAX vs. VTWAX - Volatility Comparison. Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) has a higher volatility of 3.18% compared to Vanguard Total World Stock Index Fund Admiral Shares (VTWAX) at 2.96%. This indicates that VTSAX's price experiences larger fluctuations and is considered to be riskier than VTWAX based on this measure.Consequently, the same amount of money invested in both will tend to pay out a much greater amount of dividends in VTIAX than VTSAX. As a very rough example, on 1/4/21, the closing price of VTSAX was $93.35 and the closing price of VTIAX was $32.53. In 2021 VTSAX paid out $1.4152/share in dividends and VTIAX paid out $1.0439/share in …Investment Strategy: VIGAX is a fund whose stocks are selected actively to surpass the market, while VTSAX is an index fund whose goal is to track the performance of the whole U.S. stock market ...Over time, these stock investments tend to provide higher return than VMFXX. This makes sense. VTSAX / VTWAX have to provide a possibility of higher return, otherwise nobody would buy them - everyone would just take the safe bet. The question you have to ask yourself is whether the higher return is worth the higher risk.VTWAX (global fund) vs VTSAX/VTIAX (us/international funds) I know you lose the foreign tax credit with holding just VTWAX. BUT then again you don't have to rebalance, and so you don't have to deal with the capital gains losses from selling/buying. Would you not lose more money from selling to rebalance?VFQY vs. competitors since 2/19/2018 (Seeking Alpha) Takeaway Vanguard U.S. Quality Factor ETF is an actively managed fund invested in over 300 U.S. companies with quality characteristics.The equivalent of VTSAX is VTSAX but Fidelity will charge you a $75 transaction fee for it. The ETF equivalent is VTI but it is the same underlying fund. It tracks the CRSP US Total Market Index. FSKAX tracks the Dow Jones US Total Market Index which is slightly different from the one VTI/VTSAX tracks. Reply reply.Just a heads up that if you already hold VTI, it can't be transferred to VTSAX but you need to sell VTI and buy VTSAX. Depends whether the convenience of auto-investing into VTSAX at Vanguard outweighs the extra book-keeping of opening and maintaining a new account. No right or wrong answer here - it's totally up to you.My Roth IRA is composed of VTSAX/VTIAX for maximum equity diversity. Now I'm looking for a Vanguard non-VTSAX US large-cap fund for all the rest of the money in my taxable account. ... Why not just hold VT/VTWAX in IRAs (since you use the global haystack)? Top. Triple digit golfer Posts: 10546 Joined: Mon May 18, 2009 10:57 pm. Re: VFIAX vs ...Historical Performance: VTWAX vs VT. VT was launched on June 24, 2008, while VTWAX was launched many years later on February 2, 2019. Since that time, performance has been nearly identical to VTWAX: 7.60% vs 7.58% annually. Despite changes in fees and expenses over this time period, there is only a .1% difference in cumulative performance since ...Compare Vanguard international funds. This article contains details specific to United States (US) investors. For non-US investors, acting on fund or ETF suggestions in it may have harmful US tax consequences. These are Vanguard's three broad international index funds. Any of the three is a good core international holding, and all are eligible ...VIMAX and VSMAX make it more complicated and will often have a little bit of overlap. Unless you wanted to customize your weighting to small and mid caps like I do, you are better off using VEXAX which is specifically designed to compliment VFIAX, currently in about an 82/18 ratio to replicate VTSAX. Then of course there is the issue of adding ...There is a substantial difference between Vanguard VTSAX and Fidelity FSTVX. Fidelity wins by a whopping 2.48%, which is significant. But let's look at when these index funds actually began ...For both VTI and VTSAX, their top 10 holdings account for 23.9% of their total portfolio. Meanwhile, foreign holdings (non-US companies) account for only 0.1% of the fund's total assets. Here are the top holdings for each of the funds: Top Holdings (VTI) Top Holdings (VTSAX) Apple Inc. Apple Inc.VTSAX tracks the broader CRSP US Total Market Index and so it owns many more mid-caps and small, The answer is at that time, you won't be able to do 50/50 VTSAX/VTWAX anymore. Yo, If you're only picking one fund, I'm going to recomm, May 15, 2019 · VTWAX. It has 8032 stocks vs 3500 (VTSAX). Don't be swayed by american exceptionalis, Could you please give me a simple explanation of the differences betw, Created in 1992, Vanguard Total Stock Market Index Fund is designed to provide investors with e, VFIAX VIMAX VSMAX VTMGX VEMAX. I have these to choose from in 401k. I took a look on port, VTCAX. Vanguard Communication Services Index Fd. 24.04%. 1-YEAR. Commu, Performance Comparison of VFIAX vs. VTWAX. The total return perfor, VTSAX vs. QQQ - Performance Comparison. The year-to-date r, 0.03%. Vanguard Total World Stock Index Fund Admiral Shares, Mar 15, 2024 · VTSAX (Vanguard Total Stock Market Index Fund Ad, VFIAX is a subset of VTI/VTSAX. Vanguard TDFs offer a gl, 2015. $1.01. -. 2014. $0.91. -. Complete Vanguard Total Stock, That said, it's hard to go wrong holding VTWAX, Makefile wrote: ↑ Mon Feb 07, 2022 5:56 am Like all was, The big difference between this fund and the one above is the n, If your computer's running a little loud for your tastes, it.