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Blackrock Lifepath 2025 Institutional Index
Old 03-02-2013, 11:06 AM   #1
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Blackrock Lifepath 2025 Institutional Index

I'm making myself get more familiar with my asset allocation, and after searching this forum for info on AA, I went to Vanguard and plugged in all our 401(k) holdings into their portfolio analyzer. I'm right where I want to be, by the way.

Vanguard is telling me that the expense ratio on this Blackrock fund held in my 401(k) has an expense ratio of 8.06%.

Morningstar says this: LIBIX BlackRock Lifepath Index 2025 Instl Fund LIBIX Quote Price News (.026%)

Can anyone explain the discrepancy to me? Do you feel like you can trust the Vanguard Portfolio Analyzer? Or am I confusing expenses and fees

I'm kind of new to this level of analysis - as we get closer to pulling the plug, I'm really trying to be more hands on.
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Old 03-02-2013, 11:29 AM   #2
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One is quoting gross expense versus net expense ratios

LIBIX Profile | BLACKROCK LIFEPATH INDEX 2025 P Stock - Yahoo! Finance
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Old 03-02-2013, 01:25 PM   #3
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The Vanguard Portfolio Analyser (Portfolio Watch) has some severe flaws. It often doesn't look inside a fund to understand what it is looking at nor does it understand what foreign and domestic mean if a fund holds both.

I would recommend using the Morningstar Instant X-ray tool or the Morningstar Portfolio X-ray tool instead.
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Old 03-04-2013, 01:05 PM   #4
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Originally Posted by LOL! View Post
The Vanguard Portfolio Analyser (Portfolio Watch) has some severe flaws. It often doesn't look inside a fund to understand what it is looking at nor does it understand what foreign and domestic mean if a fund holds both.

I would recommend using the Morningstar Instant X-ray tool or the Morningstar Portfolio X-ray tool instead.
Actually I would NOT recommend using any of the tools suggested for the expense ratio. What I found recently reviewing another's 401k plan is that the plan had increased the expenses of a Vanguard fund by almost 600% from .17 to 1% in the 401k plan -- so the only correct expense ratio to use is the one inside the 401k plan itself.

fd
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Old 03-04-2013, 10:19 PM   #5
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Actually I would NOT recommend using any of the tools suggested for the expense ratio. What I found recently reviewing another's 401k plan is that the plan had increased the expenses of a Vanguard fund by almost 600% from .17 to 1% in the 401k plan -- so the only correct expense ratio to use is the one inside the 401k plan itself.

fd
Odd. So who was the .83% difference going to? The administrator? The sponsor? Some distributor?
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