Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Etrade low transaction cost portfolio
Old 03-22-2019, 07:17 PM   #1
Thinks s/he gets paid by the post
jIMOh's Avatar
 
Join Date: Apr 2007
Location: Milford, OH
Posts: 2,094
Etrade low transaction cost portfolio

I am in the process of getting my investments in order. I have initiated 4 401k rollovers to my existing etrade account(s).

1 account is pre-tax/ traditional IRA/ rollover IRA
1 account is a Roth IRA/ Roth Rollover

I have many questions, here is a little background

My divorce in 2012 wiped out all investment accounts. Since then I have been rebuilding. I currently max out my 401k, about 12% to pre-tax and 5% to Roth 401k. 9.5% match in addition to me maxing this out.

My job situation was unstable for a while, so from 2012-2017 I had 5 different 401ks and the rollover balance is about $80k once all accounts are combined. I am 46 yo.

question 1- for anyone which has accounts at etrade, what ETFs or mutual funds do you use with low cost/ no transaction fees? I looked today, and found a few index ETFs (from Vanguard) which are NTF. Some were at a premium/discount, and curious if this impacts which ETFs to choose?

question 2- for those with accounts at brokerages, do you dollar cost average/ invest regularly with no fees, or do you invest lump sum once a year to minimize transaction costs?

question 3- I am likely investing 80% stocks and 20% bonds/cash - is there a model portfolio of index funds/ index ETFs this board would recommend?

If there is other pertinent information I left off, please ask. Any guidance is appreciated.
__________________

__________________
Light travels faster than sound. That is why some people appear bright until you hear them speak. One person's stupidity is another person's job security.
jIMOh is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 03-23-2019, 01:58 PM   #2
Thinks s/he gets paid by the post
zinger1457's Avatar
 
Join Date: Jul 2007
Posts: 1,941
Up until last month I had a ROTH IRA account at Etrade that was invested in the Vanguard Index 500 fund. I recently transferred the account over to Schwab, didn't have any issues with Etrade, just wanted to consolidate my accounts.
__________________

zinger1457 is offline   Reply With Quote
Old 03-23-2019, 02:38 PM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Sunset's Avatar
 
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 6,718
I use vanguard, as I can invest in vanguard ETF's and funds without a transaction fee.
So I can reinvest tiny amounts (example $100) for free.

Generally I buy ETF's instead of mutual funds as the fee is often lower for similar collection of things, and more income tax efficiency.

I don't use e-trade so know nothing about it.
__________________
Fortune favors the prepared mind. ... Louis Pasteur
Sunset is online now   Reply With Quote
Old 03-23-2019, 02:54 PM   #4
Recycles dryer sheets
 
Join Date: Jan 2018
Location: NE Ohio
Posts: 484
Quote:
Originally Posted by jIMOh View Post
question 2- for those with accounts at brokerages, do you dollar cost average/ invest regularly with no fees, or do you invest lump sum once a year to minimize transaction costs?
We have brokerage accounts at Fidelity and Schwab. I invest money regularly as it becomes available, several thousand at a time. I look at NTF first, but am open to ETFs that may cost $4.95/trade if they give me more of what I'm looking for as compared to a comparable NTF.
gwraigty is offline   Reply With Quote
Old 03-23-2019, 03:43 PM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Sunset's Avatar
 
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 6,718
If you have over $200K in Merrill Edge, you get free trades.
Can buy 1 share at a time.
__________________
Fortune favors the prepared mind. ... Louis Pasteur
Sunset is online now   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Blood test : Calcium low, Vitamin D Low, Sodium low Lakewood90712 Health and Early Retirement 16 05-15-2016 05:07 PM
Low cost of living town with low humidity? FANOFJESUS FIRE and Money 111 09-01-2008 03:59 PM
glut of liquidity. low cost of capital. low yields perinova FIRE and Money 3 01-10-2007 04:40 PM
Yet another online savings account over 5% - Etrade Complete Savings maddythebeagle FIRE and Money 0 11-28-2006 12:53 PM
Warm,Low cost of living,No/Low taxes, inexpensive golf & water sports JohnnieRed Life after FIRE 60 01-16-2006 09:54 AM

» Quick Links

 
All times are GMT -6. The time now is 12:18 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.