somewhat OT, but can anyone find a link for closing a vanguard 403B and rolling the money out in-kin to another firm? I am having trouble assisting one of my kids in this ...

The firms where I've had employer-sponsored plans have generally performed distributions in kind only to IRAs held at the same firm. Note that unlike IRA transfers, rollovers from employer-sponsored plans must be initiated on the sending side, not on the receiving end.
You can do an in-kind distribution from a Vanguard 403(b) to a Vanguard IRA, followed by an in-kind trustee-to-trustee IRA transfer to the other firm. See the Vanguard 403(b)(7) Single Distribution Kit:
http://www.bsgi401k.com/wp-content/uploads/2015/02/V-Minimum-Distribution.pdf
At the top of p. 3 (pdf p. 5):
"If you selected A, B, or C [direct rollovers to Vanguard IRAs], your assets will be invested in the same funds and proportions as in your existing Vanguard 403(b)(7) account, unless you indicate otherwise below ...
"D. [rollover to a] Retirement account held at another institution ... Rollover check will be made payable to the custodian/plan"

As an example, it looks like VT has under performed VHGEX, MGGPX and PRGSX over the last 10 years.

A recent AAII article showed that beginning with equal investments in the S&P 500 sectors and rebalancing yearly from the best performing sectors to the lesser performing ones increased one's returns substantially over time. However that must be taken with the willingness to go through all the watching and rebalancing efforts required. Your choice.

I added your comment into this thread:
Asset Performance...

A recent AAII article showed that beginning with equal investments in the S&P 500 sectors and rebalancing yearly from the best performing sectors to the lesser performing ones increased one's returns substantially over time. However that must be taken with the willingness to go through all the watching and rebalancing efforts required. Your choice.

Maybe using this chart to rebalance one's portfolio at the end of each year might be an interesting study.

Assets Performance Year over Year...anyone have next years results so I can invest in them early?

A recent AAII article showed that beginning with equal investments in the S&P 500 sectors and rebalancing yearly from the best performing sectors to the lesser performing ones increased one's returns substantially over time. However that must be taken with the willingness to go through all the watching and rebalancing efforts required. Your choice.

...2020 looks like it could go down in history as the worst intra-year drawdown that finished the year with a positive return. And the fact that those gains are now in double-digit territory is not something many (any?) people saw coming. The S&P is now up well over 60% since bottoming in late-March.

Interesting food for thought:

Sitting on your hands and not panicking, even when stocks are down big, remains one of the best investment strategies on the planet.

the-biggest-stock-market-reversal-in-history

Looks like JASSX is available at FIDO with $2500 min, but a $49.95 fee. JASVX is available NTF at ETRADE, $250 min.
The time to pick the low hanging fruit was 8 months ago (says Captain Hindsight). So do you still buy/add to these higher risk funds now, after the big bounce?

Will any of this matter 10 years from now? Probably not. In the short term, anyone who's been paying attention already bought in March. You want more? Sure, buy more.

@Jim0445

Is there anything that matches his suggestion of a "global equities index fund" better than VT?

These managed funds seems to have matched or outperformed the index (VT)

Trading at a discount of 12.5%. And has sold at a discount since 8/2013. Lewis, does that explain most of it, or is there more?
Looking at: https://www.cefconnect.com/fund/GIM they have 33% in cash and a large stake in US Treasuries.

Looks like JASSX is available at FIDO with $2500 min, but a $49.95 fee. JASVX is available NTF at ETRADE, $250 min.
The time to pick the low hanging fruit was 8 months ago (says Captain Hindsight). So do you still buy/add to these higher risk funds now, after the big bounce?

Both funds are in mostly securitized.
IOFIX(link): concenrated mostly (over 78%) in legacy RMBS.
JASVX(link): 2 of the managers came from Semper (SEMMX) but as you stated JASVX held pretty well while IOFIX+SEMMX lost a lot more in 03/2020. This fund is more diversified with RMBS,CMBS,ABS.CLO but also 14.8% in corp + cash and Gov.
I have been using both. See my thread(link)

Quite an interesting chart.
CHART

Reasoning by appeal to authority. The inference being that if a stock is in VUG it is a growth stock, whatever that means. As I explain below, the inference is flawed.
Some index methodologies, CRSP among them, partition the equity universe - a stock is either a growth stock or a value stock, never a blend.
CRSP Methodology Guide, Aug 2020
The reality is that all stocks have both growth and value attributes in varying degrees. Rather than use a binary classification system (value/growth), M* offers a ternary (value/blend/growth) system. In this system, M* classifies both APPL and BRK.A as blend companies.
Suppose that instead of partitioning stocks into exactly two (or three) non-intersecting categories, a methodology put stocks into both categories, weighted by how well they fit each. So a particular blend stock might wind up being weighted 46% in growth and 54% in value. This is what MSCI does with its value-weighted index.
Because AAPL is the elephant in the room, even with a smaller value percentage weighting than, say JPM, it still winds up being "number one" in the MSCI USA value-weighted index. (Just in case one wants to appeal to authority.)
MSCI USA Value-Weighted Index (Oct 30, 2020)
MSCI Value Weighted Indexes Methodology
That's not the end of the story. People think that indexes classify companies according to whether they are growth or value companies. Actually, indexes that are designed to be used by mutual funds classify companies according to whether they were growth or value companies.
They build buffer zones, so that when a growth company evolves into a value company it isn't automatically moved from growth to value. There's a lag. This is to help fund avoid churning with companies that oscillate between growth and value. Which is okay, but it means that one can't rely on these indexes to say that a particular stock is now a growth company.

5G, 5G, 5G...
Russia, Russia, Russia
Best,
Baseball_Fan

Warren has been selling his Apple stock lately and is Apple still a growth company?
https://markets.businessinsider.com/news/stocks/warren-buffett-berkshire-hathaway-potentially-sold-5-billion-apple-stock-2020-11-1029788091
https://macrotrends.net/stocks/charts/AAPL/apple/revenue
Apple revenue for the quarter ending September 30, 2020 was $64.698B, a 1.03% increase year-over-year.
Apple revenue for the twelve months ending September 30, 2020 was $274.515B, a 5.51% increase year-over-year.
Apple annual revenue for 2020 was $274.515B, a 5.51% increase from 2019.
Apple annual revenue for 2019 was $260.174B, a 2.04% decline from 2018.
Apple annual revenue for 2018 was $265.595B, a 15.86% increase from 2017.

Nov 20th Episode:

@FD1000 Which cash back credit card allows you pay property taxes with no fee?

Fidelity 2% cash back. The fee is decided by the county/city not the credit card. This year was the first time I was able to pay the county by credit card with zero fees.
The city one is years already.
From memory, in previous years the county was charging more than 2% and why I didn't do it.

So long as you get more back on your CC than you pay in service fees, you come out ahead by charging taxes. (This ignores any impact on your credit score of a possibly large charge.)
For example, Pay1040.com charges 1.87% for IRS payments. Fidelity's Reward Visa and Citibank's Double Cash MC each return 2%.
Fees on property tax charges vary by locality. If you live in, say, suburban Atlanta specifically Gwinett County, all the fees are waived right now. There, the answer to the question of which cards allow residents to pay their property taxes with no fee would be: all of them.
https://www.ajc.com/news/atlanta-news/credit-debit-card-fees-eliminated-for-gwinnett-property-tax-payments/RDALEKRJG5DHVMOKGLIHOWSQZY/

Thanks @Sven for the story. I always enjoy these hyperbolic headlines. Crash is too strong a word if you compare the price of spot gold now with one year ago. But it is such a volatile market you probably can argue in either direction based on the dates chosen. As for the recent sell-off? It could be a lot of newbies added gold to portfolios prior to the election and than sold all or some of it sometime after.
As the chart shows, gold near $1900 today is still about $400 higher than a year ago when it traded under $1500. That’s a 20+% gain over the past year. Yes, it topped $2,000 - but only briefly. I think a lot of investors got in before the election and perhaps sold after.
I have a small toe-hold in OPGSX, which invests in miners. It’s gained 46% over the past one year - again making it difficult to apply the word crash. Bottom line: Gold and / or miners are crazy volatile investments and largely unpredictable.