FinancialDave wrote:I would check the expense ratios very closely (and the yearly results) on the Transamerica site and compare to Vanguard over the exact same dates.
I don't know what company had a 401k with Vanguard funds but when I was reviewing it online they were adding over .5% to the expenses above what Vanguard would charge, which I think was .07% or .1%.
Big Worm wrote:I guess I didn’t realize that Vanguard has funds other than the ones that are on their own website. The VASVX expenses on the Vanguard site and the Transamerica site are identical so I guess they are the same exact cost. I am sure Vanguard likes the business from the “outside” but I am not sure how Transamerica benefits from this one.
My question is if there is any difference between investing in Vanguard funds through Vanguard itself or investing in Vanguard through another site (Transamerica in this case)?
Does anyone have any suggestions on investing in the above funds and the mix? I don’t really like switching investments around much but would be willing to rebalance every five years or so. I am 43 and if I am lucky I will retire in 20 years or so.
I have about $125,000 to invest. TIA.
ResearchMed wrote:Go to the main Vanguard site (Vanguard.com) and click on "INSTITUTIONAL INVESTORS" and "go to the site" (not personal investors).
Then click on "VIEW ALL INVESTMENTS".
And then, go to the bottom and click "SHOW ALL PRODUCTS" (yup, a bit redundant).
You will then see ALL of the different "classes" for each fund.
Some are only available in one or two classes; others in quite a few.
You can click on the exact symbol that you want.
If there is an Investor or Admiral class, then you could invest in it outside your company's program.
Their institutional and signal classes, etc., have lower ER's, so having access to those is good.
WHY Vanguard makes it so difficult to find this information isn't clear, especially as many "personal investors" have these other classes in their 401k/403b accounts.
(We regularly use this chart, and actually had a complaint FROM Vanguard that we "should" be using the "personal investor" page. How helpful...!)
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