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2
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3answers
137 views

Vanguard ETF vs mutual fund

I was looking at Vanguards (VOO) ETF which aims to mimic the S&P 500 and noticed you do not pay any commission fees and it has an expanse ratio of just .05%.Then I looked at the mutual fund ...
1
vote
1answer
54 views

How to Compare Two ETFs, Accounting for Expense Ratio?

I'm attempting to compare ETFs but am not understanding how to account for expense ratios. (I'm assuming that the annual returns do not account for expense ratios already -- is this correct?) For ...
2
votes
1answer
54 views

Same fund in ETF and investor share, different expense ratio?

I'm looking at Vanguard 500 Index fund. There are three different options. Admiral share (VFIAX) for people who has $10,000+, and the expense ratio is 0.05%. Investor share (VFINX) with minimal ...
0
votes
1answer
260 views

When does a mutual fund's “expense ratio” deducted? [duplicate]

In a mutual fund's prospectus, there is usually an annual "expense ratio", representing annual expenses of that fund as a percentage of the net asset. When/how does this get deducted? I'm curious how ...
3
votes
1answer
96 views

Should I care about the expense ratio of the money market fund that holds excess cash in my brokerage account?

In my vanguard roth IRAs brokerage account, uninvested/excess cash is kept in a money market fund, VMMXX. I dont care about earning return on this money; I just keep it in cash to help with ...
1
vote
1answer
45 views

Expense ratio of an ETF included in the price or calculated separately

If an expense ratio of an ETF is 0.15% and the ETF is trading at 100, then when I buy the ETF, do I pay 100? Or do I pay 100.0015?
2
votes
2answers
108 views

San Francisco vs Madison

I am currently getting a 102K salary in Madison and have an offer for 125K from SFO. Should I accept this offer from a monetary perspective or not? I will like to maintain the same life style that I ...
4
votes
2answers
217 views

Shifting money between mutual funds

In the last 5-7 years, I've gradually invested money in several mutual funds via my bank (USAA). These funds now make up about a third of my portfolio. Initially I had invested in these funds ...
6
votes
1answer
209 views

Mutual fund net expense ratio greater than gross expense ratio

I'm looking at some funds to invest my 401k into. I noticed that a couple appeared to have a higher "Net Operating Expense Ratio" (0.56%) than the "Total Operating Expense Ratio" (0.50%). If it ...
7
votes
1answer
400 views

How can one relatively easily show that low expense ratio funds outperform high expense ratio funds?

Almost everybody these days says that passively managed, low expense ratio funds outperform actively managed, high expense ratio funds. I believe it, and have been investing accordingly, but I would ...
5
votes
2answers
523 views

401(k) plan/investment fees: Are they the expense ratios, or something else as well?

I have a naive question. 401(k) fees are a popular topic lately. I am very interested in this as I max out my 401(k) contribution every year, well past the employer match. I am not sure if the 401(k) ...
0
votes
1answer
153 views

How to compare expense ratio and turnover of two funds?

Can someone tell how to compute a single number based on expense ratio, turnover, and possibly tax rate that can then be used to compare the net expenses one can expect to incur between two funds? If ...
7
votes
1answer
151 views

Why are the administrative fees for the three biggest donor-advised funds identical?

Fidelity, Vanguard, and Charles Schwab—the companies that run the three largest donor-advised funds—all charge exactly the same administrative fee to small investors: 0.6% a year on the first ...
3
votes
2answers
1k views

Tax implications of 401k regular rebalancing vs a retirement target fund

This question is in the context of securities held within a 401k. As I understand it, one of the advantages of a retirement target date fund (like Fidelity's FFFHX, which I am in 100%) is that the ...
9
votes
2answers
627 views

Does the expense ratio of a fund-of-funds include the expense ratios of its holdings?

Suppose a mutual fund invests only in other mutual funds, instead of investing in stocks or bonds directly. Does the reported expense ratio of that fund include the expense ratios of the funds it ...
4
votes
1answer
95 views

Two Different Websites List Different Expense Ratios - Which One Can I Trust?

I'm trying to find VXF's expense ratio. Finance.yahoo.com says that it is .10%. Seeking Alpha says that it is .16%. (and I suppose that I should consider that a tracking error of .11% further ...
7
votes
2answers
338 views

What are these fees attached to mutual fund FSEMX?

Could somebody please explain these fees attached to FSEMX? Annual Report Expense Ratio (net) Prospectus Net Expense Ratio Prospectus Gross Expense Ratio Finance.yahoo.com indicates that they are ...
9
votes
2answers
514 views

How do 401(k) mutual fund expense ratios work?

Simple question - how do expense ratios work? Is there a fee that is calculated regularly, and the amount is taken out of my account? Is it subtracted from the funds earnings? Context: My work has ...
12
votes
3answers
174 views

Do I need to own all the funds my target-date funds owns to mimic it?

I just calculated out that investing my Roth IRA in a Lifecycle fund will cost me about $65k more than investing directly in the underlying funds, effectively doubling the expense ratio. And the funds ...
4
votes
1answer
73 views

Are there two layers of fees in a 529 “portfolio”?

I'm looking specifically at this 529 plan Fidelity Intermediate Bond Portfolio, which is invested exclusively in this Fidelity Intermediate Bond Fund - Class I. The portfolio lists a 1.64% Gross ...
5
votes
1answer
1k views

Do net returns on mutual funds include expense ratio?

I'm considering an actively managed bond fund (DODIX) versus an similar index fund (VBMFX). Both are high quality intermediate funds. The 10-year return of DODIX (exp ratio 0.43%) is 0.86% higher than ...
4
votes
1answer
706 views

How to quantify differences in return with low expense ratio vs high expense ratio mutual funds?

One often repeated piece of financial advice is to work to minimize your expense ratios in your mutual funds in order to maximize your returns. While it is often straightforward to determine the ...