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Questions tagged [fees]

generic tag to be used for questions related to fees. Ideally to be accompanied by other subject tags

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8
votes
2answers
752 views

I have access to a 401K at work but the fees are high. Should I contribute, or do otherwise?

I have a retirement plan 401K from work. The employer does NOT contribute anything. I just enrolled into account and got to know that there are fees associated with the account. The fees is ridiculous!...
8
votes
4answers
370 views

Is my first 401(k) fund allocation reasonable, and with respect to fees?

I just started my first job after school and am now being enrolled in my company's 401k plan, which is handled by Vanguard. By default, I was put into the Target Retirement 2050 Trust II fund, which ...
8
votes
2answers
401 views

Total fees for buying a house in the U.K.?

I'm thinking about buying a house in the UK (England). It will cost a max of £120,000 GBP. As an estimate, how much will all the fees total to, when put together? And apparently for houses less ...
5
votes
4answers
455 views

What's the deal with these mortgage-refinancing fees?

currently we have 400k on a 20 year mortgage at 3 and 7/8 percent. We can move to 3 1/8 percent 15 year mortgage. The guy says this should save us around 70k over the life of the mortgage. The ...
6
votes
2answers
274 views

It is worth using a discount stock broker? I heard they might not get the best price on a trade?

I read somewhere that using a discount broker such a Trade King could actually cost more money because they may not be able to get the best price on a trade. Is there any truth to that? I am currently ...
6
votes
1answer
1k views

Do transaction fees for investing in funds offset the benefit of a low expense ratio?

When looking for low expense-ratio funds (specifically Target Date funds), they all seem to be one of two options: No transaction fees and high expense ratio (Example: AREVX $0 transaction, %.98 ...
7
votes
2answers
431 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 ...
4
votes
1answer
360 views

Are there Canadian banks with low or nil user fees?

My banking institution is [again...] raising their fees for the second time in 12 months starting March 1st, 2012. I would like to find a Canadian bank or type of bank that has lower fees, of course. ...
6
votes
3answers
799 views

Do ETF managers charge management fees on top of transaction fees?

I see that ETFs do work very similar to diversification of individual stocks following either an industry or an index. I am thinking of changing my strategy to reduce my cost of investing which at ...
5
votes
1answer
99 views

Should I have be worrying about selling a mutual fund before keeping it 1 year in an IRA account?

I am considering selling a mutual fund in a Roth account that I have had for less than a year. Since Roth and traditional IRA accounts are tax sheltered and capital gains only apply when distribution ...
5
votes
2answers
516 views

What is an appropriate level of 401k fees or expenses in a typical plan?

I am aware that there are fees involved in a company 401(k) plan. These can vary widely depending on where you work and the particulars of a plan. What would be an appropriate amount of fees and ...
1
vote
2answers
667 views

Do ETF dividends make up for fees?

Do ETF dividends generally make up for the fees of the ETF? For example, lets use QQQ.
6
votes
2answers
593 views

Consider Paypal fees in accounting

I'm a freelancer. I sent an invoice to my client (using InvoiceBubble.com), which he decided to pay via Paypal. Paypal took a fee. How do I take this fee in consideration for my accounting? I marked ...
4
votes
2answers
662 views

How much “one-time fee” do I have to pay to be able to use PayPal to send money?

From http://help.yahoo.com/l/us/yahoo/smallbusiness/webhosting/sitebuilder2/paypal/paypal-04.html: Personal accounts are meant for use by individuals. With a Personal account, you can send and ...
9
votes
2answers
232 views

Can I recover my deposit (for a future purchase) from a company whose assets are frozen?

We recently paid a catering company $1400 as a deposit for our upcoming wedding. The company was highly recommended by a number of previous clients and had been in business for over a decade. Then ...
4
votes
1answer
131 views

How do I research, analyze, and choose the right mutual fund for a roth ira?

I recently opened a Roth IRA in the USA and I'm new to investing. How do I research a mutual fund and what aspects should I analyze to figure out if it fits my investment strategy (I might not even ...
5
votes
1answer
7k views

What is the fee charged for ADRs, which is deducted when dividends are paid?

My brokerage charges me a fee to hold ADRs; this fee is deducted anytime the ADRs pay dividends. I'm told that this is a standard fee and could not be negotiated. Is this fee truly carved in stone, ...
4
votes
3answers
255 views

Minimum investment per year to make Roth IRA worth it?

So I've decided to start a Roth IRA but talking to a few colleagues of mine they said that there's a few fees and stuff that comes with it such that if you don't put in quite a bit of money each year ...
1
vote
2answers
127 views

Evaluating Fees Involved with Combining IRAs

I have several Simple IRAs with several different companies a few of which are not being contributed to actively. I recently received the advice that "as a rule" having a single account is better. ...
3
votes
3answers
245 views

Will I incur late fees, now that I am making infrequent/late payments on my auto loan?

I have been unemployed for 6 months now. I have been making infrequent payments on my auto loan. I am suppose to be paid up in May of 2012. My lien holder never sends me my balances or a bill, so I ...
9
votes
3answers
486 views

Choosing the “right” NAPFA advisor, and whether fees are fair, etc.?

As most of you perhaps know already, NAPFA is an association of fee-only financial advisors who do anything from pure investment to tax advising to "full spectrum" financial planning. As opposed to ...
10
votes
1answer
967 views

What fees should I expect when buying and/or selling a house?

I am looking at my options of buying a house out of college. I am comparing the cost of buying a cheaper house now and then in about 5 years moving up to a house that will be able to support a family ...
5
votes
3answers
415 views

Broker fees: Who gets the spread?

If one uses an online brokerage, or like my bank which offers me 100 free trades per year and I thus have no broker, who gets the spread?
2
votes
1answer
272 views

Went over my credit limit by a bit. I paid half of the balance today. Any consequences?

I saw that my card had went over the credit limit. I paid half of the balance off today. I also requested for additional credit. Will there be any penalty fees?
4
votes
4answers
462 views

How Do Fund Fees Turn Up Exactly?

Regarding the overhead or expense fees associated with holding shares in a mutual fund, how do the fees affect what I'm holding? Is it taken out of the share price? Is it taken out of the (fractional)...
4
votes
2answers
203 views

Can I roll back an accidental brokerage & retirement account transfer?

I transferred my accounts (Brokerage + Traditional IRA + Roth IRA) from E*Trade to Edward Jones in full. I didn't realize a couple things in the process: That fees would be assessed ($180). That the ...
9
votes
2answers
521 views

401(k) administration fees vs Rollover IRA fees?

I'm evaluating rolling over my old 401(k) into a self-administered IRA. I know the general costs and benefits (mostly benefits, in terms of increased flexibility, as stated here), but I'd like to see ...
6
votes
2answers
198 views

Tuition Fees - Are British students who have already started their course affected by the recent vote to increase tuition fees?

I've read that students who are already at university and will not be affected by the changes in tuition fees, which have been voted in today in Britain. However, given the very deceptive wording in ...
5
votes
2answers
165 views

Working abroad in Australia, what is involved financially and administratively?

I've always dreamed of making it down to Australia to work, intentionally for the long term but would probably go for 1 year as a "trial" (or at least force myself to go that long) What would the ...
3
votes
2answers
105 views

How do I calculate the impact of fund fees?

After doing some research, I noticed that Fidelity appears to have fund fees between 0.71% and 0.91%, whereas Vanguard has fund fees between 0.21% or 0.22%. How do I calculate the impact that these ...
18
votes
2answers
2k views

What's the difference between credit unions and banks?

Is one better than the other? I've noticed that national banks seem to charge more (and higher) fees. Is that just me?
5
votes
2answers
275 views

What expenses do 401k funds charge?

What expenses do 401k funds charge? For example, do they charge front-end or back-end loads (commission when buying or selling funds)? Also how do I find out if the 401k administrator charges a fee?
6
votes
4answers
175 views

How can I save on banking charges?

What tips and tricks do people use to keep the cost of banking down?
10
votes
1answer
747 views

If I co-sign on a loan for someone, am I putting up money (is there a cost)?

Does it cost me anything if I co-sign a loan for someone?
7
votes
1answer
336 views

Getting on the property ladder: mortage, downpayment, fees? [UK]

Once I've got my finances straight I'd like to think about getting my own place, but what sort of money am I looking at to have under my belt before I can begin thinking? Is it right that the UK ...
5
votes
2answers
338 views

How much does it cost to buy mutual funds? Where can I find about about the charges?

Regarding investing in mutual funds: How much does it cost to buy mutual funds? Where can I find about about the charges?