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Old 09-07-2019, 10:45 AM   #41
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I agree to drop the adviser at this time, maybe in a couple years get them back. I am a big proponent of Vanguard and have all of my non Pension assets there >600k. I find that it is best to look at their full fund listing and pick a could funds that are lower risk with a good track record over the past year and past 10 years to invest in.
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Old 09-07-2019, 10:47 AM   #42
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Old 09-08-2019, 12:30 AM   #43
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I recently transferred a combined $500K assets from Fidelity’s bond fund, various CDs and cash in sweep accts to a Fidelity Separately Managed Account (SMA) consisting of individual bonds selected by Fidelity advisors (probably automated in a back room somewhere). Gains are a bit higher, greater transparency, know each IR & maturity etc. with half the expenses. So far so good.
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Old 09-08-2019, 12:15 PM   #44
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I recently transferred a combined $500K assets from Fidelity’s bond fund, various CDs and cash in sweep accts to a Fidelity Separately Managed Account (SMA) consisting of individual bonds selected by Fidelity advisors (probably automated in a back room somewhere). Gains are a bit higher, greater transparency, know each IR & maturity etc. with half the expenses. So far so good.
How do you have half the expenses with a SMA vs doing it yourself?
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Old 09-08-2019, 03:00 PM   #45
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Vanguard was great 20-30 yrs ago.
After 20+ yrs. I left them all together.
And never looked back.
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Old 09-09-2019, 01:51 AM   #46
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The majority of funds were invested in Fidelity FTBFX. The fees charged for the SMA are half the fees charged in FTBF Total Bond fund.
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Old 09-09-2019, 02:53 PM   #47
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The majority of funds were invested in Fidelity FTBFX. The fees charged for the SMA are half the fees charged in FTBF Total Bond fund.
That's interesting. I Guess FTBFX does have high fees for a bond fund. Did you not want to use an index fund for bonds? Edit: FBTBX has 45bps fees, the Fidelity bond SMA are 35bps-40bps.
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