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According to the prospectus(s). The I fund (MSCI EAFE type fund) does not contain anything from North America. The S Fund is small to medium companies, broad index fund excluding S&P companies. Basically from from I have seen from historical returns on the C (Large cap) and S (small and...

I have been investing in our TSP's (spouse and I) with an 80% C (S&P 500 index)10% S (Dow Jones Index) and 10% I funds (MSCI fund). I have been considering making some changes. We are 100% stock/Index fund invested in our TSP. We hold maybe about 5% of our total assets in outside accounts in...

That is a good point. I am limited to my old statements. It seems EJ liquidated the fractional shares automatically. Just waiting for the last of the cash to sweep. Thoughts on selling the American funds for my low cost Fido funds in my three fund portfolio?

Reevaluting my portfolio I have five mutual funds from American funds that moved over to our new Fido account. In our new account we are going with a simple 3 fund strategy (90/10). How do we best evaluate if we keep the American funds or trade them for our newly selected funds. I already paid...

I am in the process of switching brokers from EJ to Fido. My transaction completed but left a few hundred dollars (cash position) and a partial share of Apple and Google in my EJ account. What is the best way to get that over to Fido? It is a Roth IRA.

I will have to look at the CD idea. I will check Fido, Ally, and USAA on this. Thoughts on converting the American funds in this plan once it moves to Fido?

Roth IRA

I have posted here several times about moving from EJ (non AUM fee based) to Fido. That is starting to take affect. Our past investment strategy has been the C (SP500), S (small/Mid cap), and I (international) funds (80-10-10) in our TSP's. In our Roth's, we have been using five American Funds...

That is correct. There is 12b fees and the funds seem basically redundant to what I was looking at.

While I am not retired military, I am a Vet and now a Fed. My wife is AD. This advice is exactly on point.

Took a couple steps yesterday. I sent a message to EJ to pause my automatic investments as we are doing some reorganization. I decided to put together a 2 fund portfolio. Compared my five American funds to my couple choices on a fund analyzer. Turned out over a few year period my 2 fund would...

Yes, the compounding growth was my concern. Total fees I pay right now comes out to about $1200 a year. I don’t have a AUM fee with EJ. I have started a move to Fidelity. I am going to migrate there I think by the end of the year.

I am thinking of building a Roth portfolio that consists of 2-3 of the Zero funds. While some of the history is short in their performance what is the downside to them versus the equivalent Fidelity fund that may be around a .02 expense ratio? I also notice the share price is much less. How does...

Ok. I saw in their website they offer my type of account (called select) and managed accounts that do have AUM fees. With that said, I can easily see how fees under the AUM structure get out of control. I guess that was my confusion. However, I still need/want my money to operate more...

From what I can tell I don’t have a AUM fee. I have a select account. I basically pay as I buy/sell.

I did some more examining of my fees with EJ. Under my current plan and investment strategy, I am paying about $1,200 a year. This includes a the 5% load on my American Funds, 2% in our taxable account (ETFs), and account maintenance fees on a $225k account that invests $2500 a month. If I...

I did a check with EJ. I have a "select account". No management fee to be found in my records or listed on their website for select accounts. They do charge a fee for different types of accounts though. https://www.edwardjones.com/us-en/working-financial-advisor/fees From what I have...

Those are similar funds. The returns over a 10ys and 5yr were little better over the zero funds. However, Expense ratio averaged 0.025 vs 0. Generally, I am finding and reading these broad funds perform near the same when comparing apples to apples. I am looking at some of the type of accounts...

I did open a Fidelity account yesterday after reading reviews, videos, and a comparison on Clark Howard. I threw a $20 in to buy two ETFs (IVV, IJH) to see how the platform works. I called Fidelity about transfer fee reimbursement. They cover this on accounts over $25k. They took my...

This is what I came up with: I made a call to Fidelity about transfer fees. If the account is over 25k they will cover the fee. I have a mostly inactive traditional IRA and another account less than 25k. The person on the phone gathered my contact info and is going to have someone call me back...

I will send them an email now. I remember it was a thing with Obama. If I remember correctly I was grandfathered in as I already had a dollar cost averaging plan going.

I don't believe I am paying a management fee on top of the load. I was given the option as I was grandfathered in.The EJ guy advised against opting in to the program but I can recheck that.

Thank you for the responses. I will have to ask about Fidelity bonuses and transfer reimbursement. Yes my American funds are cl A. The load expense is water under the bridge. They perform well but the expense ratio is high. Likely I would let them grow and stay in my portfolio and reinvest in...

I am considering moving over the next few months from EJ to Fidelity. I own multiple ETFs and mutual funds. Some of the Mutual funds are with American. I read somewhere I may be charged a 1% fee on the ones less than a year old. Anyone know if this? I also read of people getting some of the...

Yes, I should clearify, if I am talking Roth on both TSP and Fidelity.