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Old 05-18-2021, 07:49 AM   #81
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I invested in random days throughout the year so it was not on first of January for those years.

Appreciate your assistance.

You mean I could have had almost $20K more in my Roth IRA if I invested only in VTSAX from 2007 compare to the funds that I listed that I am invested in now? Taking into the account the Front load/ER fees for EJ.
It's hard to know whether or not you would have had more without knowing the days that you invested. If you want to you could go out to the portfolio visualizer website using the links that I provided in the prior post and at the very top select month by month and then select the month that you invested but that's as fine as that tool can get.
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Old 05-18-2021, 11:10 AM   #82
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You can call Vanguard and they'll move the money for free. Jones will charge you various account closure fees, they're in the TOS.
The issue is say I want to buy VTSAX then I may not get to buy as many shares I have now overall with EJ?
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Old 05-18-2021, 12:17 PM   #83
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The issue is say I want to buy VTSAX then I may not get to buy as many shares I have now overall with EJ?
Why are you referring to the number of shares? Of what relevance is this? Don't you only care about the dollar value?
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Old 05-19-2021, 02:11 PM   #84
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Why are you referring to the number of shares? Of what relevance is this? Don't you only care about the dollar value?
This made sense So basically I would have the same amount of money I have now with EJ if transfer to say Vanguard VTSAX?

(Minus fees).
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Old 05-19-2021, 09:24 PM   #85
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This made sense So basically I would have the same amount of money I have now with EJ if transfer to say Vanguard VTSAX?

(Minus fees).
Yes, that is correct.
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Old 05-19-2021, 11:50 PM   #86
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Should I exit EJ and go to Vanguard?
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Old 05-20-2021, 05:37 AM   #87
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Yes.
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Old 05-20-2021, 08:56 AM   #88
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Should I exit EJ and go to Vanguard?

OP, I suggest you spend some time studying investing concepts. Whether you stay with EJ or move to Vanguard, there is some basic investing knowledge you need going forward. I would recommend William Bernstein's book, "The Four Pillars of Investing". Used hardback copies start at $4. After reading the book, you will know the answer to your question.
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Old 05-20-2021, 12:53 PM   #89
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Yes.
Just VTSAX only?
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Old 05-20-2021, 04:14 PM   #90
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It depends on your desired target AA and what other holdings you have.

If the holdings that you have at EJ are all domestic equities then VTSAX wouldn't be a bad place to start.
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Old 05-20-2021, 04:16 PM   #91
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It depends on your desired target AA and what other holdings you have.

If the holdings that you have at EJ are all domestic equities then VTSAX wouldn't be a bad place to start.
Some international at EJ.
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Old 05-20-2021, 04:18 PM   #92
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Then if international equities are part of your target AA and you don't have enough from other holdings you could add in some VTIAX.
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Old 05-20-2021, 04:26 PM   #93
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Then if international equities are part of your target AA and you don't have enough from other holdings you could add in some VTIAX.
I am about 15+ years from F.I.R.E. What’s recommended?

I am 43 now.
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Old 05-22-2021, 11:58 AM   #94
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According to Personal Capital app.

I pay 0.22% in fund fees each year. Is that a lot?
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Old 05-22-2021, 04:11 PM   #95
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Yes.
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Old 05-22-2021, 04:12 PM   #96
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Yes.
Was that the answer to my last question? Also, 3.75% fee now with AF.
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Old 05-22-2021, 04:17 PM   #97
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I am about 15+ years from F.I.R.E. What’s recommended?

I am 43 now.
No single right answer... a lot depends on your risk appetite. You can look at the AA of the target date funds of Vanguard, Fidelity, Schwab and others to get an idea.

https://institutional.vanguard.com/V...nts/TargetDate
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Old 05-22-2021, 06:46 PM   #98
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It sounds like a target date fund at Vanguard would be a really good answer here, where the fund increases the bond allocation as OP nears retirement and automatically rebalances to keep the risk on target. That way OP can focus on life and let the money take care of itself.
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Old 05-22-2021, 06:59 PM   #99
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No single right answer... a lot depends on your risk appetite. You can look at the AA of the target date funds of Vanguard, Fidelity, Schwab and others to get an idea.

https://institutional.vanguard.com/V...nts/TargetDate
You mean emotional risk?
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Old 05-22-2021, 07:00 PM   #100
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My FA at EJ is going to pressure me to stay.
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