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Old 01-09-2019, 08:20 PM   #81
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I have been paying 1% to advisor, now planning to transfer all to Vanguard advisor at one third current cost. Have some money in Schwab not-so-Intelligent Portfolio, which has lost money for these past 2 years, although in conservative plan. I really know how to pick ‘em. Please tell me I can count on Vanguard to do better for me.
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Old 01-09-2019, 08:39 PM   #82
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Originally Posted by sallie50th View Post
I have been paying 1% to advisor, now planning to transfer all to Vanguard advisor at one third current cost. Have some money in Schwab not-so-Intelligent Portfolio, which has lost money for these past 2 years, although in conservative plan. I really know how to pick ‘em. Please tell me I can count on Vanguard to do better for me.
You should do at least .70 better due to lower costs. Most people lost some
last year, but 2017 should have been up over 12% with a 50\50 portfolio.
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Old 01-09-2019, 11:44 PM   #83
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....... Please tell me I can count on Vanguard to do better for me.
You really have to compare to bench marks. For example, your domestic stock returns should at least be equal to a S&P 500 index.
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Thank you👍
Old 01-10-2019, 12:27 AM   #84
Confused about dryer sheets
 
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Thank you👍

I feel better already. Why pay people to lose my money? I can do that myself for free.
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Old 01-10-2019, 05:48 AM   #85
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I feel better already. Why pay people to lose my money? I can do that myself for free.
Great quote sallie50th, Just buy the market with index funds in a asset allocation you can live with. If the market gains, you gain.
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Old 01-10-2019, 05:54 AM   #86
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These days if you are buying index funds and self managing, your fees should be under .05%.
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Old 01-10-2019, 10:48 AM   #87
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I feel better already. Why pay people to lose my money? I can do that myself for free.
Because they hope the FA will do better than the market. Once in a while, they do. Hope is eternal.
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Old 01-10-2019, 07:37 PM   #88
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My example is I have a WR of 4% and a fee of 1% and the guy is making me 18% so my net worth is increasing at 13%.
I your guy named Bernie? We should all use your advisor!
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