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Posted: 11/16/2018 1:26:04 PM EDT
[#1]
The # you are looking for is the “expense ratio”: it is the % of assets invested that the fund charges you to administer the fund.
Generally speaking: 1. Vanguard has about the lowest fees for any given fund type. 2. Index funds have lower fees (like the target fund and the midcap fund). 3. “Specialty” funds, like your OTC fund, tend to have higher expense ratios. The problem in a plan is you often don’t have more than one of any given fund type so you don’t have much choice with respect to pick one with a low(er) expense ratio. |
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Posted: 11/16/2018 1:34:21 PM EDT
[#2]
Check to see if you can roll it over into a personal IRA account at a brokerage, then you have
access to a wide range of low fee investments. https://www.cdcfcu.com/articles/dollars-and-sense/deferred-compensation-governmental-457-plan-rollo.aspx "If you have a 457 deferred compensation plan with a government employer, " "you are now eligible to roll over distributions tax free to a traditional IRA, as " "well as to a 401(k), 403(b), or 457 governmental plan that accepts rollovers. " |
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Posted: 11/16/2018 2:10:54 PM EDT
[#3]
Why did you chose those 4 funds in particular? Blackrock equity index for instance tracks the S&P 500, which is already contained within the total stock market fund within the Vanguard target date fund. It’s redundant, unless you are intentionally overweighting areas?
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Posted: 11/16/2018 2:24:38 PM EDT
[#4]
Quote HistoryQuoted:
Why did you chose those 4 funds in particular? Blackrock equity index for instance tracks the S&P 500, which is already contained within the total stock market fund within the Vanguard target date fund. It’s redundant, unless you are intentionally overweighting areas? |
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Posted: 11/16/2018 2:33:18 PM EDT
[#5]
Quote HistoryQuoted:
The # you are looking for is the “expense ratio”: it is the % of assets invested that the fund charges you to administer the fund. Generally speaking: 1. Vanguard has about the lowest fees for any given fund type. 2. Index funds have lower fees (like the target fund and the midcap fund). 3. “Specialty” funds, like your OTC fund, tend to have higher expense ratios. The problem in a plan is you often don’t have more than one of any given fund type so you don’t have much choice with respect to pick one with a low(er) expense ratio. The Vanguard Mid Cap is the lower expense ratio at .05% The Fidelity OTC K is the highest at .7% Should i get out of the Fidelity OTC K? Ive only got about $10,500.00 in that one and I've actually lost money in that one this year. |
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Posted: 11/16/2018 3:01:43 PM EDT
[#6]
Quote HistoryQuoted: Okay, thanks. The Vanguard Mid Cap is the lower expense ratio at .02% The Fidelity OTC K is the highest at .7% Should i get out of the Fidelity OTC K? Ive only got about $10,500.00 in that one and I've actually lost money in that one this year. |
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Posted: 11/16/2018 3:20:27 PM EDT
[#7]
Quote HistoryQuoted: Okay, thanks. The Vanguard Mid Cap is the lower expense ratio at .02% The Fidelity OTC K is the highest at .7% Should i get out of the Fidelity OTC K? Ive only got about $10,500.00 in that one and I've actually lost money in that one this year. Overall, except as mentioned by another poster for doubling up on large caps with the target date fund and the Blackrock fund, your asset allocation doesn’t appear bad. |
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Posted: 11/16/2018 3:27:17 PM EDT
[#8]
Quote HistoryQuoted:
I have no idea what I'm doing.I think i bought into blackrock because they held a lot of ruger stock or some other silly reason. If i have two redundant funds then i would want to get out of the one with higher fees. Quote HistoryQuoted:
Quoted:
Why did you chose those 4 funds in particular? Blackrock equity index for instance tracks the S&P 500, which is already contained within the total stock market fund within the Vanguard target date fund. It’s redundant, unless you are intentionally overweighting areas? |
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Posted: 11/16/2018 5:56:07 PM EDT
[#9]
Quote HistoryQuoted:
Ok, I figured it was something like that. The Vanguard target date fund you have is intended to be an all in 1 fund. It’s very diversified, holding total stock market, total international, total bond, and total international bond. It also rebalances automatically to become more conservative as it nears its target date. The expense ratio is normally .15% at Vanguard, which is very reasonable, although it may differ in your plan. My advice to someone who is unsure of what they are doing, would be to put everything in that target date fund and forget about it, assuming your approximate retire year is 2035. |
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Posted: 11/17/2018 1:29:59 PM EDT
[#10]
Quote HistoryQuoted:
I'm more likley to retire around 2026. Quote HistoryQuoted:
Quoted:
Ok, I figured it was something like that. The Vanguard target date fund you have is intended to be an all in 1 fund. It’s very diversified, holding total stock market, total international, total bond, and total international bond. It also rebalances automatically to become more conservative as it nears its target date. The expense ratio is normally .15% at Vanguard, which is very reasonable, although it may differ in your plan. My advice to someone who is unsure of what they are doing, would be to put everything in that target date fund and forget about it, assuming your approximate retire year is 2035. |
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Posted: 11/19/2018 12:12:37 AM EDT
[#11]
So you've got good bit of overlap on the blackrock, and fidelity funds.
the expense ratio on the vanguard 2035 is around 0.08% that fidelity fund is obscure, it has investments in over the counter securities. you can keep the midcap if you just really have to have exposure to mid-market cap equities i'd roll the fidelity otc and the blackrock into the vanguard target date fund and call it a day, without knowing what else is available to choose from |
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Posted: 11/19/2018 1:29:46 PM EDT
[#12]
Quote HistoryQuoted:
So you've got good bit of overlap on the blackrock, and fidelity funds. the expense ratio on the vanguard 2035 is around 0.08% that fidelity fund is obscure, it has investments in over the counter securities. Quote HistoryQuoted:
So you've got good bit of overlap on the blackrock, and fidelity funds. the expense ratio on the vanguard 2035 is around 0.08% that fidelity fund is obscure, it has investments in over the counter securities. you can keep the midcap if you just really have to have exposure to mid-market cap equities
i'd roll the fidelity otc and the blackrock into the vanguard target date fund and call it a day, without knowing what else is available to choose from |
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Posted: 11/19/2018 10:50:22 PM EDT
[#13]
Quote HistoryQuoted:
I don't know what that means. There's a Vanguard 2025 target date which is closer to my retirement date. maybe I will start moving existing balances into that one. Quote HistoryQuoted:
Quoted:
So you've got good bit of overlap on the blackrock, and fidelity funds. the expense ratio on the vanguard 2035 is around 0.08% that fidelity fund is obscure, it has investments in over the counter securities. you can keep the midcap if you just really have to have exposure to mid-market cap equities
i'd roll the fidelity otc and the blackrock into the vanguard target date fund and call it a day, without knowing what else is available to choose from You could move into the 2025 fund if that's closer to your retirement age, that wouldn't be a bad move in my opinion. |
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Posted: 11/21/2018 1:49:11 PM EDT
[#14]
Quote HistoryQuoted: OTC Securities are not traded on the exchanges which present some additional risks, chiefly lack of financial disclosure and liquidity risks. You could move into the 2025 fund if that's closer to your retirement age, that wouldn't be a bad move in my opinion. I'm going to be making some changes. Should I have a (vanguard) small cap fund too or is that covered with a 2025 target retirement date fund? |
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Posted: 11/22/2018 2:47:33 PM EDT
[#15]
Quote HistoryQuoted:
Okay, I'm going to be making some changes. Should I have a (vanguard) small cap fund too or is that covered with a 2025 target retirement date fund? Quote HistoryQuoted:
Quoted: OTC Securities are not traded on the exchanges which present some additional risks, chiefly lack of financial disclosure and liquidity risks. You could move into the 2025 fund if that's closer to your retirement age, that wouldn't be a bad move in my opinion. I'm going to be making some changes. Should I have a (vanguard) small cap fund too or is that covered with a 2025 target retirement date fund? |
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