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Vanguard Managed Account Program
Old 04-23-2018, 02:29 PM   #1
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Vanguard Managed Account Program

I am considering to enroll in Vangued Managed Account Program for my 401k. Instead of 0.3% management fee in Vanguard Personal Advisor Services, Managed Account Program charges less less than 0.3%. Has anyone had any experience with the program (pros and cons)? Thanks.
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Old 04-23-2018, 02:36 PM   #2
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Depends on how much you're going to give them

Quote:
Q. How much does the Vanguard Managed Account Program cost?

A. Vanguard has arranged a program fee of 0.40% for the first $100,000, 0.30% for the next $150,000, 0.20% for the next $250,000 and the annual program fee for any additional assets is 0.10%.
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Old 04-23-2018, 03:04 PM   #3
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Pick the Target Date fund that matches your mix of stocks and bonds. Not the one based on when you might retire.

Done. Saved you .4 or .3 or .1%
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Old 04-23-2018, 06:14 PM   #4
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Interesting idea... I just realized that once my PenFed CDs mature if I move that money back to my tIRA that the target AA in my tIRA will ~40/60 so perhaps I'll go all in on Wellesley in that account and just ride it.
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Old 04-23-2018, 06:56 PM   #5
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Wellesley has ~99 stocks and ~300 bonds.

A Target Date fund (2015) or LifeStrategy Conservative Growth (40/60) with Total US, Total Int, Total US Bond and Total Int Bond has 10,000 stocks and >10,000 bonds.

Buy the whole haystack.
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