Index Fund Fee Wars Great for Investors

Okay, if you saw the riff on index funds in the Money Book for the Young, Fabulous & Broke (check out page 228 for a quick refresher) you know I am a big-time fan.

And the game just got even better.

There's a nice competitive war going on between Vanguard and Fidelity; the two big-boys of the no-load fund world. Vanguard used to have bragging rights to offering the lowest expense ratio (the annual fee that is skimmed off of a fund's performance to pay bills etc...) in the business. The 0.18 percent expense ratio on its Vanguard 500 Index fund is flat out cheap. But Fidelity stepped in and said it would offer its Spartan Index funds for just 0.10 percent, until further notice. Well, just today Fidelity said the 0.10 percent is permanent. The only catch with the Fidelity funds is that you typically need $10,000 to get started; but if you're self-employed and have a SEP-IRA the minimum gets down to $500. Over at Vanguard the minimum for any type of IRA is $1,000. If you can find the cash to invest in these super cheap index funds, just do it. Over time, those lower expenses (about one-10th or less what a typical stock fund charges) are going to make a huge huge difference in how big your account gets over the years.

Don't believe me? Check out this Fund Expense Calculator. (Some tips on using the calculator: on the first page plug in a hypothetical investment of any amount, and 8 percent for the annual rate of return. Pick a long Holding Period; since you're YF&B and investing for your retirement, I'd recommend plugging in 30 years. Everything else can stay set to "0" since you are only investing in a no-load fund. And just check "no" on the Convert question on the bottom. Then on the next page you'll be asked to plug in an annual expense ratio for each fund. Here's where it gets fun. Use 0.18 and 0.10 and then for the third fund choose a higher expense ratio. If you are currently invested in a fund, use its expense ratio. Or just go with 1.5 percent, which is the average ER for actively managed stock funds.) If you're on the index fund fence, I think I will knock you over to my side once you catch a glimpse of the "savings" you get with index funds.

Comments

[Ben Vanasselberg]

Dear Suze,

I could not agree with you more. I LOVE index funds, espically if you dollar cost average. I am 28 years old. I have 15,000 in my Roth IRA with Vanguard in S&P 500 Index, and Vanguards Small Cap Idex. I have 10,000 in my 401(k) at work that does not offer any good funds with low expenses except the Vanguard Instiutional Index which is just like the S&P 500 Index with Vanguard except expense ratio is .05 which is AWESOME!! So I have my 401(k)in that one fund and dollar cost averaging. I have no credit card debt, and just bought my first house this year, and I owe it all to you Suze. If I would have never seen you on the TV I would have never known the right steps to take in the financial world. Now I try to help all my friends and tell them to tune in to your show on Saturday nights. You have been an inspiration to me Suze. Thanks for everything.

Ben

[Kristin]

Dear, Suze

I'm 23 yrs old and I recived $60,000 from a car accident settelment. I got it 3 yrs ago and had it invested since that day, unfourtanetly I had a financial advisor who put most of it in a variable annuity account which I now know aren't the best option. I can't get out of it without taking a big loss, so I don't know what to do. The investor I handed it over to said that if I wait a couple years the penalty goes down. Is this true? The rest is invested in Mutal funds and has been doing good. Do you have any suggestions on what I should do?

Kristin

[Juanita]

Dear Suze,

I want to thank you for making my life so simple. I am now debt-free and it feels good but I have a question for you and your viewers. My company matches 15% of what I put in. Should I still go for my 401k or open up a roth IRA? I would love to hear your feedback. Thanks!

Juanita

[Micheline Medina]

Hi Suze,

I have no credit card debt-- i'm actually finacially sound. I got money to invest into a roth ira but dont know whether to go with Fidelity, which manages my 401k that my company matches, or go with Citibank or Vanguard. I hope I am doing the right thing to secure a great financial future. Do you have any advice..

Thanks!

[Cynthia]

This dark blue background gives very poor contrast.
Can it be changed to light blue?
Thank you.

[jackie]

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