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View Poll Results: Whats your ER?
Under .1 4 5.48%
.1-.15 4 5.48%
.15-.20 15 20.55%
.20-.30 15 20.55%
.30-.40 8 10.96%
.40-.50 10 13.70%
.50-.75 9 12.33%
.75-1.0 4 5.48%
1.0-1.5 2 2.74%
1.5-2.0 1 1.37%
2.0+ 1 1.37%
Voters: 73. You may not vote on this poll

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Re: Whats your overall expense ratio?
Old 03-12-2006, 06:24 PM   #21
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Re: Whats your overall expense ratio?

Quote:
Originally Posted by Nords
It's comments like this that inspire other posters to call you a noodge.
Shoot, I was just winding up too...
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Re: Whats your overall expense ratio?
Old 03-12-2006, 06:24 PM   #22
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Re: Whats your overall expense ratio?

I used weighted average ERs for funds/ETFs, assumed 0.05% for individual stocks to account for amortized trading costs and dividend reinvestment costs, 0.3% for individual bonds, and added in account maintenance fees.

My spreadsheet says 0.27%, but I bumped it up to "0.3-0.4%" because there are probably some wire fees or something that I have forgotten.

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Re: Whats your overall expense ratio?
Old 03-12-2006, 06:31 PM   #23
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Re: Whats your overall expense ratio?

My 401k has SP500, Russ2000, and MCSI-EAFE "in-house funds" with ERs of 0.05, 0.04, and 0.75% respectively. Looking for a lower cost alternative to intl. blend; probably EFA, with an ER of 0.35%, or EFV (already own) at 0.4%.

The highest are CEE @ 1.2%, IGR @ 0.91%, and the aforementioned intl fund.

Lowest are the two in-house funds mentioned above, along with VBR @ 0.12% and TIP @ 0.2%.
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Re: Whats your overall expense ratio?
Old 03-12-2006, 06:43 PM   #24
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Re: Whats your overall expense ratio?

Good question. I had never quantified it. It came out to .42, which is a little higher than I thought. I guess the man is sticking to me afterall.
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Re: Whats your overall expense ratio?
Old 03-12-2006, 06:53 PM   #25
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Re: Whats your overall expense ratio?

Federal Thrift Savings Plan .05% (.0005)
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Re: Whats your overall expense ratio?
Old 03-12-2006, 07:00 PM   #26
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Re: Whats your overall expense ratio?

Quote:
Originally Posted by Nords
It's comments like this that inspire other posters to call you a noodge.*

I don't know about everyone's 401(k)s but I do see ERs discussed from time to time.* The TSP's ERs are right on their website.* Not only did I provide a weighted average, I also included all the brokerage trading commissions & fees.*

Were you going to discuss your ER, or just complain about everyone else's?
I didn't realize that I was complaining. *I thought I was stating a fact that most people, including myself, don't track their weighted average ER, and some people may have a hard time finding out their ER, but I take it you think otherwise. *In fact, I even said it was a good idea and that I would even start doing it.

I thought I was adding to the discussion with some helpful information, but next time I'll footnote it with "except Nords" so you don't take it personally.
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Re: Whats your overall expense ratio?
Old 03-12-2006, 08:03 PM   #27
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Re: Whats your overall expense ratio?

0.24%.

- Alec
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Re: Whats your overall expense ratio?
Old 03-12-2006, 09:35 PM   #28
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Re: Whats your overall expense ratio?

Quote:
Originally Posted by retire@40
I didn't realize that I was complaining. I thought I was stating a fact that most people, including myself, don't track their weighted average ER, and some people may have a hard time finding out their ER, but I take it you think otherwise. In fact, I even said it was a good idea and that I would even start doing it.

I thought I was adding to the discussion with some helpful information, but next time I'll footnote it with "except Nords" so you don't take it personally.
You could just change your name to "The Noodge" and simplify it for everyone

By the way, everyone benefits from a noodge. Not that it would ever stop me from giving you a hard time about it.
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Re: Whats your overall expense ratio?
Old 03-12-2006, 10:27 PM   #29
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Re: Whats your overall expense ratio?

According to Vanguard .20%

Most of my portfolio is invested in Index funds and I rarely trade my individual stocks.

Not sure buy and hold is the best method, I sit on a profit, then watch it evaporate. I think I should change tactics and nail down a few capital gains 8)

Anyway, if my financial inactivity denys me a profit, it also protects me from doing something stupid...

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Re: Whats your overall expense ratio?
Old 03-12-2006, 10:28 PM   #30
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Re: Whats your overall expense ratio?

Quote:
Originally Posted by Cute 'n Fuzzy Bunny
By the way, everyone benefits from a noodge.* Not that it would ever stop me from giving you a hard time about it.
As long as someone benefits, call me whatever you want. *

My style has always been to look for a better way of doing something however small the betterment. I always try to look at things from a different angle than most other people if I can, and I try to be as direct and succinct as possible.

I always expected my employees to challenge my methods and systems and I respected those who found faults and had ways of improving them. *I never liked yesmen nor people who complained about a problem without being able at least to offer a solution to that problem.
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Re: Whats your overall expense ratio?
Old 03-13-2006, 08:28 AM   #31
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Re: Whats your overall expense ratio?

Quote:
Originally Posted by retire@40
As long as someone benefits, call me whatever you want.
Do you prefer Sally or Shirley?

Wait...thats Laurences thing...
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Re: Whats your overall expense ratio?
Old 03-13-2006, 09:53 AM   #32
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Re: Whats your overall expense ratio?

Weighted average = .37%, thanks to TSP funds.
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Re: Whats your overall expense ratio?
Old 03-13-2006, 10:21 AM   #33
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Re: Whats your overall expense ratio?

Quote:
Originally Posted by Cute 'n Fuzzy Bunny
Do you prefer Sally or Shirley?
That's fine. Just don't call me late for dinner.
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Re: Whats your overall expense ratio?
Old 03-13-2006, 11:06 AM   #34
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Re: Whats your overall expense ratio?

Sold.

You are now the noodge that was late for dinner.

A little long, but I can work with it.
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Re: Whats your overall expense ratio?
Old 03-13-2006, 12:22 PM   #35
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Re: Whats your overall expense ratio?

Quote:
Originally Posted by Cute 'n Fuzzy Bunny
Do you prefer Sally or Shirley?

Wait...thats Laurences thing...
Who asks names? I always just ask price!
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Re: Whats your overall expense ratio?
Old 03-13-2006, 12:47 PM   #36
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Re: Whats your overall expense ratio?

At .36 with my Vanguard funds, but shoot up to .46 with my 401(k).... can not do much with thier high fees.
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Re: Whats your overall expense ratio?
Old 03-13-2006, 03:51 PM   #37
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Re: Whats your overall expense ratio?

from the responses here and another thread, it looks like the folks that work for government have the lowest cost savings plans.
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Re: Whats your overall expense ratio?
Old 03-13-2006, 06:22 PM   #38
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Re: Whats your overall expense ratio?

The price for TSP is right but the investment options are limited. Basically 5 funds to choose from: special long-term treasuries without risk of loss, S&P500, DJW4500, Morgan Stanley Capital International EAFE (Europe, Australasia, Far East) index, Lehman Brothers U.S. Aggregate (LBA) index.

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Re: Whats your overall expense ratio?
Old 03-14-2006, 04:03 AM   #39
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Re: Whats your overall expense ratio?

shouldnt it be expense ratio vs return..i dont mind paying a little extra for performance...i have my actual portfolios which average a little under 1% which perform great..i then have my hypothetical mix of etf's and indexes that i track and i would love to be able to buy thatand have a nice low er..but the performance is just not even close to my actively managed funds....
i have a long term mix and a medium term mix of funds.

the long term mix

1999 +29
2000 -10.8
2001 -6.4
2002 -17.1
2003 +46.1
2004 +12.4
2005 +11.2
2006 +3.1




medium term portfolio

1999 +12.2
2000 +2.7
2001 +1.3
2002 -6.4
2003 +33
2004 +11.5
2005 +8.2
2006 +3.1
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Re: Whats your overall expense ratio?
Old 03-14-2006, 06:46 AM   #40
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Re: Whats your overall expense ratio?

There are a number of funds and fund combinations that produce similar short term results at a lower cost and with a lot less complexity.
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