Sorry, I have to ask: Why would you pay 56bps to have someone make completely brainless and risk free bond purchases for you?
You could just give their list of holdings to the FIDO, Vanguard, or Schwab bond desk and say "I'll have some of what they are having."
Instant savings: 56bps.
Since you asked in a completely condescending manner, I'll condescend to answer you. Most of my assets are in a 403b which does not allow any investment other than mutual funds.
Does that clear it up for you or should I go into more detail?
I understand the question--believe me I have looked to cut costs--but the assumptions made by some posters are frankly annoying, although it's fine if it prevents someone else from paying unnecessary costs. I'll be the sacrificial victim.
And EDV is another great idea--BUT I CANNOT BUY INDIVIDUAL BONDS OR ETFS in this account. When DW can withdraw from her accounts, I'll switch assets and employ some of these ideas. And, to prevent more comments, I'm in the 403b since I'm younger than 59 and can withdraw from it. (Also, it is protected from lawsuits.)
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