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2
votes
2answers
88 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
108 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
160 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
313 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
431 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
118 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
133 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
748 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 ...
7
votes
1answer
385 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
90 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
284 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 ...
8
votes
2answers
475 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
155 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
71 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 ...
4
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
603 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 ...