What are you invested in? (user search)
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  What are you invested in? (search mode)
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Author Topic: What are you invested in?  (Read 5115 times)
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Sr. Member
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Posts: 3,426
« on: November 16, 2013, 02:53:44 PM »

Mutual funds have such high management fees that they make no sense to invest in unless they're part of a 401(k) plan that your employer is matching. If you're just investing on your own, the expense ratios for ETFs are far more reasonable.

Index funds.  I like Vanguard.  I'm in total market and the long term bond fund.  They have low expense ratios.
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Sr. Member
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Posts: 3,426
« Reply #1 on: November 16, 2013, 07:06:56 PM »

Yeah, Vanguards Total Stock Market fund charges like 0.05% in fees per annum. It's trivial. ETFs are good too though.

Yeah, people are like this fund or that fund is hot, but then you see the fees and you are like they better be hot to cover that expense ratio.  I don't want to bother researching fund managers and playing the game.  Honestly if you look back historically if you just hold down those expense ratios and are semi right about about which asset class to be in you do pretty well long term.  I've really taken the investment advice of one of our banned conservative members to heart.  Next time there is a deep recession I am going to pile into equities.
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