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Old 05-12-2015, 06:22 AM   #21
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I love the Wellseley fund, but I really don't like Vanguard's website.

We have accounts at Fidelity and Vanguard. Today I linked a new checking account to my Fidelity account. I had to do a few simple steps that took less than 2 minutes and can now transfer money from and to the checking account from Fido.

I then went to the Vanguard site to do the same thing. I have to wait two to three days then check my account to see two small deposits, then log back into Vanguard to let them know what the amounts of the deposits are. In addition, I have to fill out a form and have it notarized and send it in to Vanguard.
I think there is a several-day delay when you actually transfer funds from Vanguard to bank. The transfer time was never a big deal for us, but it is worth mentioning.
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Old 05-12-2015, 07:25 AM   #22
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There is, it's not just VGI, the whole industry does it. Even at today's low interest rates there's a major amount of float.

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Old 05-12-2015, 04:51 PM   #23
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We are debating whether to move my 401k to VG where most of our retirement accounts are or to Fidelity where we have a relatively small amount inherited from my mother. Since we mostly are a buy and hold account we were wondering what were the differences in costs. Sure they give you the expense ratios but that doesn't really tell you how much you'll pay. We figured all those brick and mortar storefronts of Fidelity need to be paid for.

I found a calculator on line that will tell you exactly what you will pay on a $10,000 account at 5% for 10 years for specific mutual funds. For our VG mutual funds, it said it's about $300. If we got similar ones at Fidelity its $3000!!!

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Old 05-12-2015, 04:56 PM   #24
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Originally Posted by Corporate ORphan View Post
We are debating whether to move my 401k to VG where most of our retirement accounts are or to Fidelity where we have a relatively small amount inherited from my mother. Since we mostly are a buy and hold account we were wondering what were the differences in costs. Sure they give you the expense ratios but that doesn't really tell you how much you'll pay. We figured all those brick and mortar storefronts of Fidelity need to be paid for.

I found a calculator on line that will tell you exactly what you will pay on a $10,000 account at 5% for 10 years for specific mutual funds. For our VG mutual funds, it said it's about $300. If we got similar ones at Fidelity its $3000!!!

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Make sure you compare apples to apples. Here is an example where they are the same.


http://i.imgur.com/Ev7OSKg.png
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Old 05-12-2015, 05:10 PM   #25
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Make sure you compare apples to apples. Here is an example where they are the same.

http://i.imgur.com/Ev7OSKg.png
Thank you for your info. Being unfamiliar with the Fidelity funds I didn't pick the right MFs. Its only about $300 more than VG. (which makes a lot more sense.)
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Old 05-12-2015, 09:29 PM   #26
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Thank you for your info. Being unfamiliar with the Fidelity funds I didn't pick the right MFs. Its only about $300 more than VG. (which makes a lot more sense.)
You are very welcome. You can use this tool to find similar funds. Handy when I was looking at Vanguard and Fidelity. As well as to find ETFs that were related.

https://similarstocks.com/
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