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Re: Mysterious Fees in my 401(k)

I've got something similar. It shows up on two lines, but they're identical dollar amounts, so I'm not actually sure if it's one deduction or two.

Trustee Fee
Quarterly Fee


More fees, because 0.95-1.35% on the mutual funds just isn't enough.
by Jeff7
Fri Jan 30, 2015 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 10
Views: 765

Re: What I Learned About Investing

I look at the actively-managed Growth Fund of America from American Funds. Check out its graph on Morningstar. It plunged during 2009, losing almost 50% of its value, and its performance closely follows large-cap indexes. They've got teams of high-paid alleged experts, and they still weren't able to...
by Jeff7
Wed Jan 28, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: What I Learned About Investing
Replies: 5
Views: 919

Re: What to do when you don't meet the minimums

Sphinx wrote:This seems like a reasonable way to go. When my husband started his Roth IRA at Vanguard seven years ago, he started with the STAR fund ($1000/minimum).
...
Another vote for this.

It's not the cheapest fund, but it's certainly not bad, and it's a fine way to get started.
by Jeff7
Wed Jan 28, 2015 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do when you don't meet the minimums
Replies: 15
Views: 1248

Re: Please help with 401k choices

Please also post the fund expense ratios. That'll really help guide the advice. Even if the company claims they're paying the fees, well, I doubt that, since the funds themselves have expenses. The 401k itself has admin fees, which they likely are paying as part'n'parcel of having the plan in the fi...
by Jeff7
Mon Jan 26, 2015 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k choices
Replies: 3
Views: 275

Re: Recommend a clickless mouse

Yes, and I couldn't find one. I actually tried one of the ones on Amazon, and it still clicks for sure. Most of the 'noiseless' mice actually do click. Not loudly, but if it's dead silent in the house, and you're clicking away at 4AM, it's quite audible, even from the other room. But maybe i need t...
by Jeff7
Sun Jan 25, 2015 7:25 am
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2352

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

InvestorNewb wrote:Wow. How can someone lose that much money? That's insane.
"Keep digging deeper! That'll fix it!"
by Jeff7
Wed Jan 21, 2015 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6666

Re: BlackRock aims to beat active and passive funds

In an interview, Mr Fink said that investors who simply tracked equity market indices would have been less able to profit from the recent tumble in the oil price, because they would be exposed to winners and losers alike. It's great to know that their employees have finally attained clairvoyance. T...
by Jeff7
Mon Jan 19, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: BlackRock aims to beat active and passive funds
Replies: 9
Views: 1235

Re: How Many Credit Cards do you have?

One. It's a basic card that gives 1% back on various purchases. It's mainly a way of building credit, and of partly decoupling purchases from my bank account. Though I will add that my debit card has been compromised a few times through means unknown, and not once have the banks left me hanging. I'm...
by Jeff7
Tue Jan 06, 2015 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 16611

Re: Computing the Effects of ER on Investments

Or.....if you don't mind me adding... Link :wink: But it might be nice to have a calculator around if the Internet's out, assuming you're not rocking back and forth in a corner, waiting for it to come back. Either way, yes, a "mere" 1% fee can sure eat away at your money. It's a mosquito w...
by Jeff7
Tue Jan 06, 2015 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Computing the Effects of ER on Investments What is your data
Replies: 2
Views: 346

Re: Poll: Do you own I Bonds?

Yes. Savings accounts pay virtually nothing, and interest-bearing checking accounts that I've come across require more monthly debit transactions than I care to have to keep up with. At the moment, I'm not sure where else to stash money such that it pays something in interest, and is still fairly li...
by Jeff7
Tue Jan 06, 2015 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5474

Re: Do you generally spend more when using credit cards?

I'd like to say "no," but statistically that's unlikely. I've also read that credit users spend 10-18% more on average. (Which makes it interesting that some businesses try to steer credit users away in order to avoid the fees. Shun +10% in sales to avoid a 3% expense. Huh.) On the other h...
by Jeff7
Tue Jan 06, 2015 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2713

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

To me it is always amazing how much people pay in fees for their 401k plans. My last 2 employers also didn't offer good choices and in both cases, HR had no idea on how to choose a 401K company with lower fees. A couple of months ago I took a look at my daughter-in-law's 401k plan and was truly agh...
by Jeff7
Mon Jan 05, 2015 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2847

Re: Another silly anti index article

Brilliant cartoon Nisiprius. Is it repostable? Original site link. For those new to XKCD, hover your cursor over the image. Alt-text pops up as a sort of secondary caption. The page itself gives instructions for linking and embedding the image. Great !!! Market veteran gives stockpickers the edge i...
by Jeff7
Tue Dec 30, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Another silly anti-index article
Replies: 42
Views: 4089

Re: Do you have or recommend a Financial Only PC?

I think you are missing the point and there are 2 I can think of. The biggest I would assume is if the machine is never used to surf web sites and only used for financial transactions it would be unlikely to download the malware or be probed for the information needed for these hacks. The second wa...
by Jeff7
Mon Dec 22, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7328

Re: Do you have or recommend a Financial Only PC?

I haven't heard of anything like this. I wouldn't expect people to try to break into individual PCs. The good hauls would be had from places that store credit card information from thousands or millions of users. About all you can do then is use a long, strong, and randomized password and hope that ...
by Jeff7
Mon Dec 22, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7328

Re: WiFi, brick walls, metal

There are some factors here: - How much distance is there between the router and the fridge? - How far away will your device(s) be from the router? Yes, there will be some signal loss. But when you look through a window, you're also getting signal loss, as glass is not 100% transparent. It's just no...
by Jeff7
Thu Dec 11, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: WiFi, brick walls, metal
Replies: 12
Views: 1091

Re: Vanguard Wish List

- Keep costs low, and funds diverse. - Beware of doing things, like tirelessly chasing the moving target that is above-market returns, that would move Vanguard away from its original focus - Take measures to mitigate risks of internal corruption or scandal. - Maintain an easy-to-use and practical we...
by Jeff7
Wed Dec 10, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3106

Re: What to do with VGPMX?

My opinion, pick what you want and STICK to it. It seems you make some great reasons/ excuses to change your asset allocation in the recent past. They may be legitimate, but in the end they are another example of not sticking to the plan. I have NEVER seen a person's portfolio blow up having money ...
by Jeff7
Mon Dec 08, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 40
Views: 3932

Re: Advice on old beater car. Best way to get rid?

Demolition derby. :sharebeer I was getting rid of an old Elantra that had endured the Rust Belt. After the exhaust tried to make a run for it, I decided it was time to move on. (The bolts rusted off and the exhaust almost slammed into the ground. An oxygen sensor wire was the only thing holding the...
by Jeff7
Wed Dec 03, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Advice on old beater car. Best way to get rid?
Replies: 34
Views: 2856

Re: HTTPS (aka TLS, aka SSL) comes to bogleheads.org

Neat, thank you! :sharebeer For those interested: HTTPS Everywhere , which is an addon for Firefox, Chrome, and Opera. It will cause the browser to try to use the HTTPS version of most websites, if it's available. Caveat: Some sites will glitch out with this. I guess a site is normally supposed to r...
by Jeff7
Mon Dec 01, 2014 6:55 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS (aka TLS, aka SSL) comes to bogleheads.org
Replies: 44
Views: 4644

Re: 2015 Suburu Outback

I've not had experience with the 2015 models or Outback, but I do have a 2012 Impreza and am content with it. Yes, there are some things I would change if I could (example: The climate controls are all round knobs, making it impossible to tell their status by touch alone), but you'll get that with a...
by Jeff7
Mon Nov 24, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5882

Re: How to buy oil in the stock market?

I am surprised they went live with that. Because if they have done it, it's as important to National Security, potentially, as the development of the hydrogen bomb. A fusion reactor that small would also be a great bomb-making plant. A race as fond of political and religious conflict as ours is, ar...
by Jeff7
Fri Oct 24, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: How to buy oil in the stock market?
Replies: 32
Views: 2364

Re: How to buy oil in the stock market?

I have some extra money in my etrade account, and I was thinking about buying oil shares. I know ETF like USO don't track oil prices, so are there any other ETF that do closely track oil? Or is the only way to do it like that is to buy oil futures? Aares, I would not recommend investing in oil or a...
by Jeff7
Thu Oct 23, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: How to buy oil in the stock market?
Replies: 32
Views: 2364

Re: Why are 401k plans expensive?

401(k) plans are a challenge. A few years ago, the disclosure requirements in terms of fees were implemented. I expected that to have a little more impact than it appears to have been. Best. A requirement like that is nothing a good marketing department can't spin. The disclosure can weave in some ...
by Jeff7
Fri Oct 17, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3252

Re: Creating a 401k for my company through Employee Fiduciar

But, the glide path shouldn't be "automatic" or black boxed by the investor. With the lifestrategy funds - the big education items are stocks, bonds, and asset allocation. Once someone understands AA - they can choose a life strategy. To get to TR funds - you have to do further education ...
by Jeff7
Fri Oct 17, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 11102

Re: Crazy asset-based fees in my 401K!

Well, there are costs to administer a 401k for employees, right? And those costs have to be covered somehow. I wonder if your company is getting the administration services "free" because their employees are paying for it with higher expense ratios and fees. Or maybe your company is actua...
by Jeff7
Wed Oct 15, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2681

Re: Creating a 401k for my company through Employee Fiduciar

I do audits of a 401k. It is clear to me that people do not take a methodical approach to investing in their 401k. So, I am now pretty well convinced that simple is better. Fewer, good low cost is better. Administratively - fewer options are also better, easier to manage, and easier to reconcile. B...
by Jeff7
Mon Oct 13, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating a 401k for my company through Employee Fiduciary
Replies: 85
Views: 11102

Re: Do you every turn your smart phone off?

Wow...what a well-researched site. Myth 5: Don't charge your phone until it's completely dead. The truth: It's better to charge your phone every day than to do a "deep charge" from time to time. Lithium-ion batteries, like the kind used in Samsung and Apple products fare better when they'r...
by Jeff7
Mon Oct 13, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 2059

Re: manipulating Amazon reviews

Isn't that what most advertising is anyway? Know more about your customers or potential customers so that you can manipulate them into buying (more of) your products or services. That's why you've got things like LG Smart TVs that send back data on what channels you're watching, how long you're watc...
by Jeff7
Fri Oct 03, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 3143

Re: Fidelity Offers A Round-Trip to Europe for New Account

I wonder how much that adds to their fund expense ratios? :P
by Jeff7
Fri Oct 03, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3308

Re: Supreme Court to hear fiduciary duty/high cost funds cas

If it goes through that low-cost funds must be offered, I hope they don't leave any gaping holes that permit the fees to be "recouped" through other means. "Low-cost funds have been added. In a completely unrelated matter, the annual administration fee for your plan will be increasing...
by Jeff7
Thu Oct 02, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 28
Views: 3666

Re: How can I change my password?

At the upper-left of the screen:

User Control Panel --> Profile tab --> Edit Account settings.
by Jeff7
Mon Sep 08, 2014 11:23 am
 
Forum: Forum Issues and Administration
Topic: [How do I change my password?]
Replies: 16
Views: 1666

Re: 12b-1 Fees

Never invest in anything you don't understand. ... I wouldn't want to invest in something that the selling company doesn't seem to properly understand. :D The question of "What are you charging me for the service you are providing?" should not be a difficult one for the provider to answer...
by Jeff7
Wed Aug 27, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 12b-1 Fees
Replies: 13
Views: 755

Re: Stopping Junk mail from USPS

If a place mailed me something with a form and a postage-prepaid envelope, I'd write "REMOVE" on the form and send it back.


It takes a few weeks for them to receive and process it, but I don't seem to get as many credit card offers as I used to. :happy
by Jeff7
Sat Aug 23, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 2055

Re: 401K help

Yes, at least contribute enough to get the full company match. Lobby for inclusion of some Fidelity Spartan funds in the plan. 1% ER is not great, but I've seen much worse unfortunately Or try to get their Four-in-One fund (FFNOX). That might help "sell" the idea, since it's a very divers...
by Jeff7
Fri Aug 22, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 22
Views: 1358

Re: Do you take all of your allowed paid vacation time?

Numerous options: 75-95% of vacation time is taken. (Or it rolls over. One way or the other though, it doesn't just go away.) I sort of stay connected. It depends on what's going on back at work, who's still there who isn't also on vacation, and where I'm staying and what I'm doing. If I've got down...
by Jeff7
Fri Aug 22, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 6501

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

I actually find this just a little bit troubling. No, I am not someone who sells active funds using the "what if everybody indexed" talking point, but I do worry about "will success spoil Vanguard?" Jack Bogle has a essay, is it in "Clash of the Cultures?" about the ri...
by Jeff7
Thu Aug 21, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 7514

Re: Subaru Blues

Have had close to a dozen Subarus in the (extended) family for the past 15+ years, next to no issues with them. They last forever. You can get a lemon with any brand. Similar here. My mom had a '92 Legacy up until about a year ago. Perhaps 10 years ago it sustained a deer impact at 45mph (rural PA,...
by Jeff7
Thu Aug 21, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8562

Re: Your biggest "Missed Money" event that still kills you?

The usual: I didn't start sooner. For quite a long time, I only knew the stock market as a high-end casino, and so I didn't do any investing. I also knew only of savings bonds, and no others. But even the expert economists and professional stock pickers couldn't seem to figure it out and reliably gi...
by Jeff7
Wed Aug 20, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8932

Re: Spouse not ready to cut ties with financial advisers

... I discussed most of the points in this thread with DH this morning. His overriding concern is that we will make a mistake and it will cost us a lot more than 1%. He said that everyone he knows who has ever chosen to manage their own funds has lost money in the stock market. I tried to explain i...
by Jeff7
Sun Aug 17, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 10454

Re: Vanguard Lost My Account

To toto238: That is an interesting perspective. I did not consider that as a possibility that they might put their jobs in jeopardy. I know who I am , and I am me. I am no fraudster. however, I imagine that there are more than a few instances of social manipulation of the service rep and fraudsters...
by Jeff7
Fri Aug 15, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 94
Views: 12351

Re: Two factor identification and your password safe

Food for thought regarding the security of storing your password safe on USB: http://www.wired.com/2014/07/usb-security/ .....wow. That's kind of impressive actually. I think of computer code like a machine. But instead of gears, motors, shafts, drive chains, and cams, it's all a bunch of tiny elec...
by Jeff7
Mon Aug 11, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2114

Re: Where do you buy clothes?

Mostly JCPenney. Walmart's clothing quality was not so good. Things would start to fall apart rather quickly. St John's brand shirts and Arizona brand pants get the job done adequately. For specialty items like coats, I'll go to Cabela's or LL Bean. I'm a little bit south of Canada, so I expect a lo...
by Jeff7
Mon Aug 11, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10244

Re: "Strong passwords"

Bogleheads: I alerted Administrator, Larry Auton, who is a computer whiz. This was his reply: This isn't really news to folks who do what we do. People should use strong passwords but they never will. This particular case doesn't affect us directly. Thank you, Larry. Best wishes. Taylor Of course, ...
by Jeff7
Wed Aug 06, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8718

Re: average American eats out 203 times per year

Wow. I'm at maybe once every 2 weeks, assuming take-out counts. I thought once a week was a lot. :shock: I guess I don't get out much. :mrgreen: Ever since my student loans were paid off, I've gotten lazier and lazier about cooking at home. I just find it to be a really tedious and uninteresting act...
by Jeff7
Tue Aug 05, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 7033

Re: 401(k) Asset Allocation help

Lincoln Financial Group?
It gives me a bit of hope to see that you've at least got a few low-cost options available.
They also do the 401k plan where I work, and we've got nothing but expensive American Funds options.
by Jeff7
Mon Aug 04, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Asset Allocation help
Replies: 8
Views: 912

Re: Question about managed account

Yes, my portfolio is very complicated: looks like 28 different funds. I discovered if I click the name, the link will tell me the fund's category. Looks like some of them are PRRDX, MWTRX, EXWAX, YAFFX, and AEMGX. PRRDX: Pimco Real Return. 0.85% ER. MWTRX: Metropolitan West Total Return Bond. 0.62%...
by Jeff7
Mon Jul 14, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about managed account
Replies: 17
Views: 1404

Re: [Poll] Are you more risk averse than average?

How about an option for "average?" :wink:



I'll assume I'm average until I see evidence that says otherwise.
by Jeff7
Mon Jul 14, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2902

Re: Why do companies put up with high expense 401k choices?

It basically comes down to one of 2 things: ⋅  ignorance where they have no clue that much lower cost options exist or that the "absolutely no cost to the company" plan is just hiding the often exorbitant costs by gouging the employees ⋅  collusion where they go with t...
by Jeff7
Thu Jul 10, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Why do companies put up with high expense 401k choices?
Replies: 15
Views: 1605

Re: Erasing hard disk that have died

Without damaging anything? Not sure... If you want to save yourself the trouble of taking it apart, drill two or three holes through it. (Use a cheap drill bit. There are a few of these things that used glass platters.) Do an image search for "hard drive internals" so you know where to dri...
by Jeff7
Mon Jul 07, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3680
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