Search found 54 matches

by ai_3_us
Fri Dec 01, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Placement and Tax Efficiency
Replies: 19
Views: 1233

Re: Bond Placement and Tax Efficiency

I am in a similar situation to the OP but 5 years younger. I currently have my Roth filled entirely with VGSLX since I would like some REITs and they are the least tax efficient. I have access to a 403(b) through TIAA-CREF and a WA State 457(b). The only bond fund in the 457(b) is a WA State bond fu...
by ai_3_us
Tue Oct 03, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Are distributions and capital gains very different quarter to quarter?
Replies: 14
Views: 668

Re: Are distributions and capital gains very different quarter to quarter?

Does it really matter much? Take last year's distribution and go +/- 10%. Will it make that much difference to you in your total income from this fund? I've held the fund for nearly 20 years and the best I can do is estimate. Distributions fluctuate and no one can tell you what the distribution wil...
by ai_3_us
Tue Oct 03, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Are distributions and capital gains very different quarter to quarter?
Replies: 14
Views: 668

Re: Are distributions and capital gains very different quarter to quarter?

I fear looking at one year alone is not enough to determine how much of a difference I should expect. When I look at most of my funds, it looks like any differences are small and a pattern is hard to establish. I downloaded the history for VTSMX. Since Q1 2008, the history-averaged Q4 distributions ...
by ai_3_us
Tue Oct 03, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Are distributions and capital gains very different quarter to quarter?
Replies: 14
Views: 668

Are distributions and capital gains very different quarter to quarter?

I am currently trying to estimate my total income for 2017. Is it reasonable to expect that a given mutual fund will have similar distributions in Q4 as it had in Q1, Q2, and Q3? Or, is there something special about the end of the year that would make mutual funds distribute more or less in Q4?
by ai_3_us
Wed Feb 22, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with decision [leaving Edward Jones]
Replies: 11
Views: 1308

Re: Need help with decision [leaving Edward Jones]

I recently left Edward Jones for Vanguard and am very pleased with my decision. I cannot comment much on the customer service as I don't rely on it much. However I can say that a big advantage for me was the ability to actually look at, control, and access my money. Whenever I needed money from Edwa...
by ai_3_us
Wed Feb 22, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional IRA contribution pending a recharacterization
Replies: 3
Views: 310

Re: Roth vs Traditional IRA contribution pending a recharacterization

There really is no 20% bracket unless you're talking about the increased cap gain tax on high earners. The normal brackets are 15% and 25% for ordinary income; 0% for cap gains falling in the 15% bracket limits and 15% for cap gains that are above the 15% bracket limits (until you get to the magic ...
by ai_3_us
Wed Feb 22, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional IRA contribution pending a recharacterization
Replies: 3
Views: 310

Roth vs Traditional IRA contribution pending a recharacterization

I am currently on the edge between the 15% and 25% tax bracket. Because of the 0% LTCG tax in the 15% tax bracket, I would very much like to stay in this tax bracket. I have $3k to contribute to an IRA. Depending on how some of my active funds behave (ugh I know, I am in the process of selling them)...
by ai_3_us
Mon Jan 23, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 28
Views: 4793

Re: Getting out of Edward Jones ...

I'll give this a shot. For each fund, find the value of each purchase of additional shares in 2016, which includes dividends and cap gain distributions you reinvested. Use your 2016 statement, use the # of shares times the NAV of day to get the value of each purchase. Then find the present value (c...
by ai_3_us
Wed Jan 18, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Edward Jones ...
Replies: 28
Views: 4793

Re: Getting out of Edward Jones ...

bananastand I am curious to hear what happened with your capital gains taxes during this switch and if they ended up as you expected. I am currently in the process of transferring my EJ funds to Vanguard and am thinking about how to sell everything without taking large capital gains. When I look on ...
by ai_3_us
Wed Jan 18, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]

There is another update: It appears I may be eligible for a government 457(b) with an annual administrative fee of 0.1283%. This fund has targeted retirement plans as well as a Domestic Large Cap Index Fund, Global Equity Index Fund, US Small Cap Value Equity Index Fund, and Emerging Market Equity I...
by ai_3_us
Mon Jan 16, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

ai_3_us - I merged your post into your first thread. In order to give appropriate advice, it's best to keep all the information in one spot. Additionally, the members who've helped you before will have the thread show up in Your posts , so they'll be able to help you again. I retitled the thread an...
by ai_3_us
Mon Jan 16, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

403(b) Fidelity or TIAA Cref allocation, and do I want one?

Update: Thanks to the good advice of people here, my EJ funds are currently being transferred to Vanguard, a move I feel confident about. Many have suggested that I maximize my 403(b) contributions and sell off taxable funds periodically for living expenses. Note: my 403(b) offers no matching from m...
by ai_3_us
Wed Jan 11, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

You also have to add in LTCG to your income if you have any, so instead of typing STCG, you should've use simply CG. And it is not clear if you understand that ordinary dividends are both non-qualified ordinary dividends and qualified ordinary dividends. Or, if you like, there are ordinary non-qual...
by ai_3_us
Wed Jan 11, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

livesoft wrote:
Can't I also calculate my taxable income as: Salary + STCG + Ordinary dividents - 403(b) contributions?

Not if you make Roth 403(b) contributions.


Yes of course, sorry. I meant traditional 403(b) contributions.
by ai_3_us
Wed Jan 11, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

You can fill out mock tax returns and see your own tax story. If you don't get your taxable income low enough to be in 15% marginal income tax bracket where you qualified dividends and LTCG are not taxed, then you will probably want to use a traditional 403(b) to make that happen. A Roth 403(b) wil...
by ai_3_us
Wed Jan 11, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

UPDATE: I spoke with a Vanguard adviser. He confirmed the $50k number for Voyager status and said that if I transferred everything over in-kind, I would be subject to the $20 sell transaction fee. As written, that is NOT true. You must have $50K of Vanguard products to get Voyager status. Assets in...
by ai_3_us
Wed Jan 11, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Well then you haven't been killed on taxes on cap gains distributions … yet. But you would've noticed on your tax returns that you didn't pay any taxes, so what's up with that? That's a good question. Are they short term capital gains taxes? My only ordinary income is from my job, and it is $26,000...
by ai_3_us
Wed Jan 11, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Thanks again for the wealth of information livesoft. 1. Do not sell all funds all at once. Instead sell $250,000 worth of funds for the minimum number of $35 fees. One will have to figure out the puzzle. For instance, if one has a fund with $260,000 in shares, then sell that fund and nothing else. I...
by ai_3_us
Wed Jan 11, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Once your eyes are open to the fees you are paying you cannot close them. You are in the denial phase at this point. That is ok. I was there as well. I escaped less than 2 years at EJ with a good "life lesson". My parents choose to stay at EJ. They don't want to make their advisor "f...
by ai_3_us
Wed Jan 11, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

I think that at the very best my portfolio is performing on par with the indices (after fees) Some of the brightest minds on this board have told you otherwise and after 3 pages of non biased feedback you continue to believe this. No one here has an agenda except to see you learn and succeed. The r...
by ai_3_us
Tue Jan 10, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

What asset allocation do you want, and does this portfolio provide that? It doesn’t look like you have any bonds (although I don’t know all of those funds, so maybe some include them). Is this what you want? Assuming you want a 100% stock portfolio (and assuming you indeed don’t have any bonds in y...
by ai_3_us
Tue Jan 10, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Interesting thought, but I wonder if it's coincidence. For instance on this thread https://www.bogleheads.org/forum/viewtopic.php?t=155404 the total funds with front load is > 70%. Also these funds may not have represented 49.8% of my investments when I initially invested >5 years ago? I don't know...
by ai_3_us
Tue Jan 10, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

I even wonder if you have 19 instead of 20 funds and 49.8% of your investment in funds with pre-loads rather than 50% to avoid triggering some rule to protect account holders from outrageous behavior by the "adviser". Interesting thought, but I wonder if it's coincidence. For instance on ...
by ai_3_us
Tue Jan 10, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

^I like the 5 funds with "international" in the names, plus the emerging markets fund. Clearly, they have no clue when it comes to selecting the "best" fund for an asset class, so they just try to select them all. Livesoft, isn't it possible that the international funds and emer...
by ai_3_us
Tue Jan 10, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Morik wrote:The fees charged by a mutual fund are subtracted from the fund's NAV, so you would just see a lower price per share than you would if the fee was lower.


Thank you for this info. I think this was the missing piece.
by ai_3_us
Tue Jan 10, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

I look at fees. You're paying about $5,000 on your (about) $500k portfolio. By comparison, I'm all in index funds with some iBonds included since they're part of my investments. On a $2MM portfolio, I pay less than $900 a year in fees. If you believe that the EJ mother ship can conjur up hocus pocu...
by ai_3_us
Tue Jan 10, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Could I get some clarification? I hear various discussions in this very long and fascinating thread that OP's EJ fees are (variously) 1%, or 2%, or ? Is it true that EJ charges 1% for overall supervision plus the underlying Expense Ratios, so the OP is clearly spending closer $10K per year than $5,...
by ai_3_us
Tue Jan 10, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Note how the FA didn't help you with financial advice on reducing taxes. That's because it would cut into their income they get from you. If I was in your situation, I'm pretty sure I could figure ou how to not pay any income taxes. May I ask what were your taxes in 2015 anyways, Form 1040 Line 63?...
by ai_3_us
Tue Jan 10, 2017 1:12 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

But you can reduce your taxable income by $18,000 to 403(b) $5,500 to Roth IRA Can 403(b) contributions be made outside of taking directly from my paycheck? From my employer's website it looks as though contributions need to come from my paycheck. Note how the FA didn't help you with financial advi...
by ai_3_us
Tue Jan 10, 2017 12:58 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Well then you haven't been killed on taxes on cap gains distributions … yet. But you would've noticed on your tax returns that you didn't pay any taxes, so what's up with that? That's a good question. Are they short term capital gains taxes? My only ordinary income is from my job, and it is $26,000...
by ai_3_us
Tue Jan 10, 2017 12:57 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

What's your long term capital gains rate? I do not know the answer to that question or how to determine it. m Well in that case, 0%. Then you should certainly fund the Roth (and 401(k), HSA, etc.) with your taxable account, if necessary. You should also consider tax gain harvesting . Interesting. A...
by ai_3_us
Tue Jan 10, 2017 12:54 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Well then you haven't been killed on taxes on cap gains distributions … yet. But you would've noticed on your tax returns that you didn't pay any taxes, so what's up with that? That's a good question. Are they short term capital gains taxes? My only ordinary income is from my job, and it is $26,000...
by ai_3_us
Tue Jan 10, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

TIAX wrote:
ai_3_us wrote:
TIAX wrote: What's your long term capital gains rate?


I do not know the answer to that question or how to determine it.

https://www.bogleheads.org/wiki/Capital ... stribution


Well in that case, 0%.
by ai_3_us
Tue Jan 10, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

TIAX wrote: What's your long term capital gains rate?


I do not know the answer to that question or how to determine it.
by ai_3_us
Tue Jan 10, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

" This appears to be the crux of your problem. You've already started the move to Vanguard. But because someone else set up the account with your great-grandfather's money, you're afraid of screwing it up, right? Having the FA at EJ "manage" it, even if it costs more and doesn't perf...
by ai_3_us
Tue Jan 10, 2017 12:30 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Again, I hope you will run your own numbers, my guess is they will convince you once you assess and validate all assumptions with enough research to get them correct. These numbers are actually similar to calculations I have done before, which is what got me thinking along this path in the first pl...
by ai_3_us
Tue Jan 10, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Unfortunately my income is not enough right now to fully support my Roth, though I would like to. If you are making at least $5500/year in earned income, then you can max your Roth IRA. As livesoft mentioned, you can withdraw from your EJ account for living expenses. Your income is less than $5500/...
by ai_3_us
Tue Jan 10, 2017 12:24 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

If you have a job with earned income, then you should contribute the max possible to your 401(k) or other employer plan. If you are self-employed you should have a self-employed retirement plan. You should also contribute the max to your Roth IRA. This "contribute the max" should be no pr...
by ai_3_us
Tue Jan 10, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

We all want to think we are better than the norm. We think we can research the market or hire somebody who is an expert advisor who can do better than the market. It's our innate nature to want to do better than the norm. Actually, I am a big believer in following the norm exactly, I don't need to ...
by ai_3_us
Tue Jan 10, 2017 12:10 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Novine wrote:Who set you up initially at EJ? Are other family members invested there too?


Yes. It was set up before I had any knowledge of it.
by ai_3_us
Tue Jan 10, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

My portfolio is larger...that's why I was paying my FA $12K/year. The fee structure also looks more aggressive, but I guess it's close enough that it does not matter much. That's another thing you need to look at....as your portfolio grows, your annual FA advisor fee will grow and all of that fee c...
by ai_3_us
Tue Jan 10, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

* Your funds at EJ have an eyeball average Expense ratio of about 0.9% compared to Vanguard's average of under 0.1% Your funds seem to be doing about the same as an index fund but I'll bet you that to do this, you are actually investing in higher risk funds. I suggest you look up your funds at Morn...
by ai_3_us
Mon Jan 09, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

In April 2015, I found this forum. At that time, I had a FA who had me in "OK" funds, but all were average 0.75% to 1.5% expense fees, plus she was taking 0.75% to 1.00% (sliding scale based on my portfolio). You run those numbers using the Betterment fee analyzer and over 20 years, as my...
by ai_3_us
Mon Jan 09, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

You are getting killed on those capital gains distributions. They may even put you in a higher tax bracket. The index funds that I own have $0.00 in capital gains distributions for a 7-figure portfolio. Yeah I see that. Is there a particular reason that would be occurring? If I were to do some simp...
by ai_3_us
Mon Jan 09, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Let's say that all your money was invested at Vanguard paying no loads and much lower fees. If an EJ rep approached you today and asked you to move all your money to EJ, would you? No, at least certainly not immediately. I would see what was offered and seek out more information, as I am doing righ...
by ai_3_us
Mon Jan 09, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

You are getting killed on those capital gains distributions. They may even put you in a higher tax bracket. The index funds that I own have $0.00 in capital gains distributions for a 7-figure portfolio. Yeah I see that. Is there a particular reason that would be occurring? If I were to do some simp...
by ai_3_us
Mon Jan 09, 2017 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

To answer you post title, you are paying about what other EJ clients are paying: 1% AUM plus about .9% (eyeballing it) in ERs. But if you don't really care about a quarter of a million dollars (way more than $100,000 due to compounding and high ERs) over the next 20 years, so be it. It's your money...
by ai_3_us
Mon Jan 09, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

Look at your 2015 tax return (and 2016, too). I recommend that you have less than $10 on the top half of Schedule B and mostly qualified dividend income on the bottom half of Schedule B. The amount of dividends from a $500,000 portfolio would be about $10,000 at the most. You should have essentiall...
by ai_3_us
Mon Jan 09, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

When I brought my concerns up with my financial advisor (regarding fees and active/passively managed funds), he warned me that yes indices have been doing better in recent years, but that the EJ accounts do better in down years. This is a claim I asked to be backed up with data but he was not able ...
by ai_3_us
Mon Jan 09, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 6114

Re: EJ not [costing me as much as] others?

I do not believe your portfolio will out perform a simple 3 fund index fund porfolio over time. Here is a link that includes a table of the difference fees make. A 2 % difference is huge over years. https://www.bogleheads.org/forum/viewtopic.php?t=192276 You are so fortunate to have such a nest egg...