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04-20-2008, 08:44 PM
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#21
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Thinks s/he gets paid by the post
Join Date: Apr 2007
Location: west bloomfield MI
Posts: 2,223
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Quote:
Originally Posted by cute fuzzy bunny
Since we wont be using this money for 20+ years, I'll probably put most of it into equity funds. We dont do much in the way of bondage. But point taken that its a good place to do tax inefficient investing.
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RPSIX is Spectrum Income, which is a fund of funds for bonds. It's objective is different than some bond funds (stated goal is high amount of income with moderate changes in NAV).
It owns Real estate bonds, government bonds, corporate bonds, foreign bonds and emerging markets bonds, as well as income paying stocks. Allocation is 15% stock, 85% bonds. Quite happy with this fund.
__________________
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.
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04-21-2008, 08:08 PM
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#22
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Recycles dryer sheets
Join Date: Jan 2006
Posts: 189
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jIMOh, thanks for the comments, good to hear positives about TRP. I've got a TRP investor center about 25 miles from my house, going to pay a visit tomorrow.
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04-22-2008, 06:41 AM
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#23
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Moderator Emeritus
Join Date: Feb 2006
Location: San Francisco
Posts: 8,827
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DW has her 401k at TRP. The mechanics have gone ok, the expenses are OK but not in the Vgd ball park. Last I looked most of their balanced funds "looked" a bit better than Vgd and FIDO only because they had a more aggressive AA.
BTW, I set up my Vgd web portal to retrieve her TRP account and list it on the Vgd page as an "outside" investment. It updates daily and at least I can see everything in one place -- along with a few other misc things I can't roll over, such as my active 401K, 457 through employer, and even a small old whole live policy from decades ago at NML. You can do the same at Yodlee.com.
__________________
Rich
San Francisco Area
ESR'd March 2010. FIRE'd January 2011.
As if you didn't know..If the above message contains medical content, it's NOT intended as advice, and may not be accurate, applicable or sufficient. Don't rely on it for any purpose. Consult your own doctor for all medical advice.
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04-22-2008, 07:13 AM
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#24
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Thinks s/he gets paid by the post
Join Date: Oct 2006
Posts: 1,076
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Quote:
Originally Posted by Rich_in_Tampa
DW has her 401k at TRP. The mechanics have gone ok, the expenses are OK but not in the Vgd ball park.
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Some employers, with sufficient financial clout, are able to knock these expenses down considerably. An employer, with sufficient leverage (and it might be as simple as we will take our business to Vanguard, ING or Fidelity) can have a 401K provider create "trust funds" that replicate the publicly traded funds. These trust funds are opened only to employees/retirees and the trust fund expenses are significantly lower than the publicly traded mutual fund expenses.
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04-22-2008, 08:45 AM
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#25
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Thinks s/he gets paid by the post
Join Date: Apr 2007
Location: west bloomfield MI
Posts: 2,223
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Quote:
Originally Posted by ChrisC
Some employers, with sufficient financial clout, are able to knock these expenses down considerably. An employer, with sufficient leverage (and it might be as simple as we will take our business to Vanguard, ING or Fidelity) can have a 401K provider create "trust funds" that replicate the publicly traded funds. These trust funds are opened only to employees/retirees and the trust fund expenses are significantly lower than the publicly traded mutual fund expenses.
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I have funds like these through my 401k. Originally I was upset, but first 4 months have shown they are better than most funds I would have picked on my own.
__________________
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.
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