Join Early Retirement Today
Reply
 
Thread Tools Display Modes
mutual fund difference
Old 01-17-2013, 05:41 PM   #1
Recycles dryer sheets
 
Join Date: Dec 2010
Posts: 445
mutual fund difference

We've been comparing two total stock market funds--it seems to say that Schwab TSM has a .09 expense ratio and 1 yr 16.8%, 3 yr 11.94%, and 5 yr 4.55% returns. The Vanguard VTSAX, where we already have some, is expense ratio .06, with 16.38% 1 yr, 11.32% 3 yr, and 2.3% 5 yr. Looks like the Schwab did a bit better over 5 yrs, but its expense ratio is 50% higher than the Vanguard, although still low.
We've never dealt with Schwab. Any thoughts on this choice?
palomalou 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 01-17-2013, 05:59 PM   #2
Thinks s/he gets paid by the post
 
Join Date: Jul 2012
Location: Mississippi
Posts: 1,894
As far as schwab, been using them since early '80s, still with them, no problems, excellent service. They also have their own ETFs now that trade free, SCHB

The funds may differ in how they conform to the chosen index,

SWTSX

The investment seeks to track the total return of the entire U.S. stock market, as measured by The Dow Jones U.S. Total Stock Market IndexSM. The fund generally invests at least 80% of its net assets in stocks that are included in The Dow Jones U.S. Total Stock Market IndexSM1. It may invest in derivatives, principally futures contracts, and lend its securities to minimize the gap in performance that naturally exists between any index fund and its corresponding index.

VTSAX

The fund employs an indexing investment approach designed to track the performance of the MSCI US Broad Market Index, which represents approximately 99.5% or more of the total market capitalization of all the U.S. common stocks regularly traded on the New York Stock Exchange and the Nasdaq over-the-counter market.
rbmrtn is offline   Reply With Quote
Old 01-18-2013, 08:43 AM   #3
Recycles dryer sheets
 
Join Date: May 2012
Posts: 90
I just looked at the returns for both funds in M* and they are pretty much identical. Are you sure you are comparing the same time period?
hlfo718 is offline   Reply With Quote
Old 01-18-2013, 12:30 PM   #4
Full time employment: Posting here.
Tyro's Avatar
 
Join Date: Aug 2012
Location: Upstate
Posts: 699
Quote:
Originally Posted by hlfo718 View Post
I just looked at the returns for both funds in M* and they are pretty much identical. Are you sure you are comparing the same time period?
Excellent point. I recall many years ago that some funds reported x year returns differently. Some used calendar years, some used fiscal years, etc., whichever numbers looked better from a marketing standpoint. M* (and other services) try to even the playing field by using a standard reporting method.
__________________
Yeah well, that's just, ya know, like, your opinion, man. ~ The Dude
Tyro is offline   Reply With Quote
Old 01-18-2013, 03:21 PM   #5
Recycles dryer sheets
 
Join Date: Dec 2010
Posts: 445
Ah, perhaps that is the big factor. We were comparing from each individual site. Thanks!
palomalou is offline   Reply With Quote
Reply


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


» Quick Links

 
All times are GMT -6. The time now is 09:01 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.