What's your weighted average expense ratio?

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Ron Scott
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What's your weighted average expense ratio?

Post by Ron Scott » Sat Nov 11, 2017 9:21 pm

I just calculated mine at 0.0506%

Caveats--these are sizable assets and are included in the calcs:
Muni funds in taxable cost .09% each
Post NUA company stock is held for free
Transferred bond ladder in taxable is held free

Real estate and some CDs not included in the calcs.

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dwickenh
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Re: What's your weighted average expense ratio?

Post by dwickenh » Sat Nov 11, 2017 10:00 pm

.10 with all Vanguard funds, 76% indexed and 24% Wellesley admiral in the TIRA.
The market is the most efficient mechanism anywhere in the world for transferring wealth from impatient people to patient people.” | — Warren Buffett

letsgobobby
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Re: What's your weighted average expense ratio?

Post by letsgobobby » Sat Nov 11, 2017 10:00 pm

8 basis points

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Sandtrap
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Re: What's your weighted average expense ratio?

Post by Sandtrap » Sat Nov 11, 2017 10:30 pm

.09
9 basis points

Johm221122
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Re: What's your weighted average expense ratio?

Post by Johm221122 » Sat Nov 11, 2017 10:33 pm

If you don't count savings bonds and stable value,It's about .5(two thirds of my stock allocation is .63,cheapest option in 401)
If i change in December to a new bond fund offered in my 401,it will increase even more

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FrugalInvestor
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Re: What's your weighted average expense ratio?

Post by FrugalInvestor » Sat Nov 11, 2017 10:43 pm

0.05%

Basically a 2-fund portfolio consisting of Total Stock Market and Total Bond Market.
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tibbitts
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Re: What's your weighted average expense ratio?

Post by tibbitts » Sat Nov 11, 2017 10:49 pm

Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone?

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FrugalInvestor
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Re: What's your weighted average expense ratio?

Post by FrugalInvestor » Sat Nov 11, 2017 10:53 pm

tibbitts wrote:
Sat Nov 11, 2017 10:49 pm
Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone?
I don't bother to calculate it either, it just shows up on my Vanguard Portfolio Watch page. We're just bragging and who else but Bogleheads would appreciate these numbers - so this is the only place we can do it. :D
IGNORE the noise! | Our life is frittered away by detail... simplify, simplify. - Henry David Thoreau

lazylarry
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Re: What's your weighted average expense ratio?

Post by lazylarry » Sat Nov 11, 2017 10:54 pm

tibbitts wrote:
Sat Nov 11, 2017 10:49 pm
Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone?
Mine is <0.1. I think it's just more for fun than anything. Instead of having a having a favorite sports team, bogleheaders have a favorite ER.
Asking questions: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 | My profile: https://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=86026

PFInterest
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Re: What's your weighted average expense ratio?

Post by PFInterest » Sat Nov 11, 2017 11:07 pm

1.47%
















Made your blood pressure jump!

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Re: What's your weighted average expense ratio?

Post by lazylarry » Sat Nov 11, 2017 11:14 pm

PFInterest wrote:
Sat Nov 11, 2017 11:07 pm
1.47%
















Made your blood pressure jump!
I actually thought you put a typo and meant it to be 0.147%. I feel like you would be auto-banned from this forum if your ER was 1.47. :happy
Asking questions: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 | My profile: https://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=86026

Yossarian
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Re: What's your weighted average expense ratio?

Post by Yossarian » Sun Nov 12, 2017 1:29 am

0.054%

Ron Scott
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Re: What's your weighted average expense ratio?

Post by Ron Scott » Sun Nov 12, 2017 7:19 am

FrugalInvestor wrote:
Sat Nov 11, 2017 10:53 pm
tibbitts wrote:
Sat Nov 11, 2017 10:49 pm
Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone?
I don't bother to calculate it either, it just shows up on my Vanguard Portfolio Watch page. We're just bragging and who else but Bogleheads would appreciate these numbers - so this is the only place we can do it. :D
$9000 pet M invested EVERY YEAR FOREVER. That’s the difference between our 0.1% and the industry average 1%.

A. THIS is what “financial advisors” should be selling and advising. :annoyed

B. Most guys I know would snap to attention and move their butts if you presented this opportunity to them so clearly...UNTIL they realize they’d have to restructure their portfolio; then they freeze.
Last edited by Ron Scott on Sun Nov 12, 2017 7:26 am, edited 1 time in total.

bgf
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Re: What's your weighted average expense ratio?

Post by bgf » Sun Nov 12, 2017 7:24 am

Last year it was 0.19%.

I only calculate it at the end of the year.
My wife's 403(b) doesn't offer much in the way of Vanguard funds, and my current Simple IRA has a 1.0% fee on top of everything held in it, which is thankfully just cheap Vanguard ETFs.

It should be a few basis points lower this year.

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oldcomputerguy
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Re: What's your weighted average expense ratio?

Post by oldcomputerguy » Sun Nov 12, 2017 7:27 am

0.067%
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dcabler
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Re: What's your weighted average expense ratio?

Post by dcabler » Sun Nov 12, 2017 7:36 am

0.13 total with 0.19 for stock portion and 0.08 for bond portion. Stock portion will come down over time.
Another way to look at it, is that it represents about 1.3 weeks per year living expenses.
Last edited by dcabler on Sun Nov 12, 2017 7:55 am, edited 1 time in total.

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birdog
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Re: What's your weighted average expense ratio?

Post by birdog » Sun Nov 12, 2017 7:50 am

0.094%
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trueson1
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Re: What's your weighted average expense ratio?

Post by trueson1 » Sun Nov 12, 2017 7:58 am

0.07%

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ruralavalon
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Re: What's your weighted average expense ratio?

Post by ruralavalon » Sun Nov 12, 2017 8:06 am

About 0.0672%, just approximately more or less.

Down in the range of expense ratio most of us are located, the differences just don't matter.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

truenorth418
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Re: What's your weighted average expense ratio?

Post by truenorth418 » Sun Nov 12, 2017 8:28 am

Mine is .07%

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badbreath
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Re: What's your weighted average expense ratio?

Post by badbreath » Sun Nov 12, 2017 8:37 am

As of today .07
“While money can’t buy happiness, it certainly lets you choose your own form of misery.” Groucho Marx

Theseus
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Re: What's your weighted average expense ratio?

Post by Theseus » Sun Nov 12, 2017 8:46 am

just calculated mine. 0.1839 :x

My biggest offenders are
- Money Market fund (SPAXX). Due to a windfall I have a large amount of cash at the moment parked in this fund that is skewing expenses.

And some funds below that i had purchased before becoming a boglehead. Being in the highest tax bracket over the years, selling them to save on expenses would have actually created less value overall. So I have just kept them. I will start swapping them out as my tax situation is changing starting next year.

- Bond funds (AGDYX, SPHIX, PRVAX)
- Active equity funds (FBIOX, HSCSX, MPGFX)

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blaugranamd
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Re: What's your weighted average expense ratio?

Post by blaugranamd » Sun Nov 12, 2017 8:50 am

tibbitts wrote:
Sat Nov 11, 2017 10:49 pm
Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone?
It's not necessarily about learning anything but it helps to normalize low ERs. Don't forget there are tons of members who are still on the edge about changing their portfolios, leaving higher ER funds, and the Google searches who stumble upon these threads. I don't think the spattering of us who already have low ER portfolios bragging helps us necessarily, just let's the rest of the world see that it is easy and can be done. Maybe that thread stalker who is staring down the barrel of an EJ AUM fee on top of a portfolio of 1% ER funds will feel more empowered realizing they could could cut 90+% of their expenses.

Last I calculated I was 5.5 basis points in Feb but since then my TSP proportion has grown and my taxable investments have gone from investor to admiral shares. Probably not much change. I'll figure it all again when it's time to redo my math and AA in January. #IPS
-- Don't mistake more funds for more diversity: Total Int'l + Total Market = 7k to 10k stocks -- | -- Market return does NOT = average nor 50th percentile, rather 80-90th percentile long term ---

tibbitts
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Re: What's your weighted average expense ratio?

Post by tibbitts » Sun Nov 12, 2017 9:00 am

Ron Scott wrote:
Sun Nov 12, 2017 7:19 am
FrugalInvestor wrote:
Sat Nov 11, 2017 10:53 pm
tibbitts wrote:
Sat Nov 11, 2017 10:49 pm
Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone?
I don't bother to calculate it either, it just shows up on my Vanguard Portfolio Watch page. We're just bragging and who else but Bogleheads would appreciate these numbers - so this is the only place we can do it. :D
$9000 pet M invested EVERY YEAR FOREVER. That’s the difference between our 0.1% and the industry average 1%.

A. THIS is what “financial advisors” should be selling and advising. :annoyed

B. Most guys I know would snap to attention and move their butts if you presented this opportunity to them so clearly...UNTIL they realize they’d have to restructure their portfolio; then they freeze.
It "shows up" in Portfolio Watch for Vanguard funds but not for a lot of what you're invested in. That stable value fund in your retirement account has an expense ratio that on the one hand we don't really care about, but it's probably not very low. Your TIAA investments... that opens a whole different can of expense worms, and we don't need another argument about the Real Estate account expense ratio, but it will likely bust your .0-whatever average. The fact is that some people can take advantage of opportunities like TSP or low-cost megacorp plans that others don't have available. And that's not even getting into the fact that even in the VG universe, less diversification yields lower expense ratios (owning those foreign bonds can be pricey), so when you set out low expenses as essentially an objective, you have to be careful what other effects come along with it.

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Bodacious
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Re: What's your weighted average expense ratio?

Post by Bodacious » Sun Nov 12, 2017 9:34 am

8 basis points plus a $50 annual fee for my Schwab PCRA. Before the PCRA "escape hatch", I was paying 70 basis points for similar funds in my Nationwide 457b.

CppCoder
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Re: What's your weighted average expense ratio?

Post by CppCoder » Sun Nov 12, 2017 9:49 am

5.6 basis points. It would be lower, but I'm getting "creamed" by the NY 529 plan at 15 basis points :D. It helps to have a 401k with ERs between 1 and 4 basis points.

Dave55
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Re: What's your weighted average expense ratio?

Post by Dave55 » Sun Nov 12, 2017 9:53 am

.08

Dave

Jack FFR1846
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Re: What's your weighted average expense ratio?

Post by Jack FFR1846 » Sun Nov 12, 2017 10:08 am

Including savings bonds, 0.0376%. Not including savings bonds, 0.0446%.
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student
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Re: What's your weighted average expense ratio?

Post by student » Sun Nov 12, 2017 10:11 am

0.18% not counting TIAA Traditional.
Last edited by student on Sun Nov 12, 2017 10:25 am, edited 1 time in total.

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Veiled
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Re: What's your weighted average expense ratio?

Post by Veiled » Sun Nov 12, 2017 10:14 am

0.03. 8-)
Pardon me as I read these one hundred and fifty-seven SP vs LLC vs Scorp threads...

lostdog
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Re: What's your weighted average expense ratio?

Post by lostdog » Sun Nov 12, 2017 10:15 am

.07%

Vanguard Total Stock .04%
BlackRock U.S. Equity Index M .02%
Vanguard Total International .11%
"Our life is frittered away by detail. Simplify, simplify." -Thoreau

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Sandtrap
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Re: What's your weighted average expense ratio?

Post by Sandtrap » Sun Nov 12, 2017 10:20 am

Veiled wrote:
Sun Nov 12, 2017 10:14 am
0.03. 8-)
Wow!
How did you get it so low?

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TD2626
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Re: What's your weighted average expense ratio?

Post by TD2626 » Sun Nov 12, 2017 10:32 am

One question is whether those with CDs, high yield savings accounts, individual stocks, individual bonds, or physically held precious metals figure an overall expense ratio. Do these assets have zero expense ratio?

What if most of your expenses involve transaction fees or one-time loads? Do these fees need to be spread out over many years to find an "average year's" expense ratio?

What about physically owned real estate held for investment purposes? Does the cost of maintenance and insurance count as an investment expense?

What about "invisible" costs - like the bid-ask spread with ETFs?

What about the time cost of calculating your weighted average expense ratio? If you spend several hours calculating your weighted average expense ratio, should you also include as a cost of investing the $30 that you could have earned and invested by driving for Uber instead?

ProfLA
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Re: What's your weighted average expense ratio?

Post by ProfLA » Sun Nov 12, 2017 1:47 pm

0.147% overall.

Further breakdown:

Fixed income 36 % of portfolio ER 0.29 (Have some actively managed bonds, munis with relatively high ER's)
International equities 17 % of portfolio ER 0.11
Domestic equities 48 % of portfolio ER 0.05

hushpuppy
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Re: What's your weighted average expense ratio?

Post by hushpuppy » Sun Nov 12, 2017 5:29 pm

delete
Last edited by hushpuppy on Fri Nov 17, 2017 9:46 am, edited 2 times in total.
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Veiled
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Re: What's your weighted average expense ratio?

Post by Veiled » Sun Nov 12, 2017 10:09 pm

Sandtrap wrote:
Sun Nov 12, 2017 10:20 am
Veiled wrote:
Sun Nov 12, 2017 10:14 am
0.03. 8-)
Wow! How did you get it so low?
Posting was a little dweebish of me. It's not fair to compare me with others posting because I'm very new at this. Right now I hold almost 100% US stocks, mostly in institutional shares through my 403(b). The bondish part of my portfolio (low risk/certain return/fixed income) is currently coming from paying off debt. When that's gone (and I start acquiring bonds) and as I slowly move towards my goal of 70/30 US/intl equities, my AA will change and I guesstimate I'll be 0.05-0.07 like many others posting.
Pardon me as I read these one hundred and fifty-seven SP vs LLC vs Scorp threads...

jadedfalcons
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Re: What's your weighted average expense ratio?

Post by jadedfalcons » Sun Nov 12, 2017 10:14 pm

.65%.

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FrugalInvestor
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Re: What's your weighted average expense ratio?

Post by FrugalInvestor » Sun Nov 12, 2017 10:29 pm

Veiled wrote:
Sun Nov 12, 2017 10:09 pm
Sandtrap wrote:
Sun Nov 12, 2017 10:20 am
Veiled wrote:
Sun Nov 12, 2017 10:14 am
0.03. 8-)
Wow! How did you get it so low?
Posting was a little dweebish of me. It's not fair to compare me with others posting because I'm very new at this. Right now I hold almost 100% US stocks, mostly in institutional shares through my 403(b). The bondish part of my portfolio (low risk/certain return/fixed income) is currently coming from paying off debt. When that's gone (and I start acquiring bonds) and as I slowly move towards my goal of 70/30 US/intl equities, my AA will change and I guesstimate I'll be 0.05-0.07 like many others posting.
Congratulations on starting out on the right foot! Many if not most of us didn't know about the importance of expense ratios when we started investing and/or didn't have very low cost funds available to us. Having the knowledge, opportunity and ability to build a low cost portfolio from the beginning is a huge advantage and it sounds as if you're taking full advantage.
IGNORE the noise! | Our life is frittered away by detail... simplify, simplify. - Henry David Thoreau

slowbutsteady
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Re: What's your weighted average expense ratio?

Post by slowbutsteady » Sun Nov 12, 2017 11:18 pm

0.11 (according to SigFig)

Highest ER in our portfolio is 0.54.
The tortoise wins every time I read that story.

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StevieG72
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Re: What's your weighted average expense ratio?

Post by StevieG72 » Mon Nov 13, 2017 7:50 am

.06

I am trying to convince my friend with a larger portfolio than myself that fees matter. He is in denial.

I am hoping he will see the light soon. His portfolio is underperforming due to excessive cash holdings.
He quotes returns based on the 57% invested in stocks, ignoring the 43% in cash.
Fools think their own way is right, but the wise listen to others.

lostdog
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Re: What's your weighted average expense ratio?

Post by lostdog » Mon Nov 13, 2017 9:03 am

StevieG72 wrote:
Mon Nov 13, 2017 7:50 am
.06

I am trying to convince my friend with a larger portfolio than myself that fees matter. He is in denial.

I am hoping he will see the light soon. His portfolio is underperforming due to excessive cash holdings.
He quotes returns based on the 57% invested in stocks, ignoring the 43% in cash.
I tried the same with my friend. I had to drop the subject entirely. They can get defensive. Be careful.
"Our life is frittered away by detail. Simplify, simplify." -Thoreau

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Kenkat
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Re: What's your weighted average expense ratio?

Post by Kenkat » Mon Nov 13, 2017 9:12 am

0.37% per Morningstar X-ray

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ruralavalon
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Re: What's your weighted average expense ratio?

Post by ruralavalon » Mon Nov 13, 2017 9:25 am

lostdog wrote:
Mon Nov 13, 2017 9:03 am
StevieG72 wrote:
Mon Nov 13, 2017 7:50 am
.06

I am trying to convince my friend with a larger portfolio than myself that fees matter. He is in denial.

I am hoping he will see the light soon. His portfolio is underperforming due to excessive cash holdings.
He quotes returns based on the 57% invested in stocks, ignoring the 43% in cash.
I tried the same with my friend. I had to drop the subject entirely. They can get defensive. Be careful.
You are of course correct about the damage done by high fees, and about cash drag.

But it's often best to keep quiet unless asked for advice. At most just mention what you do without argument.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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Sandtrap
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Re: What's your weighted average expense ratio?

Post by Sandtrap » Mon Nov 13, 2017 9:30 am

lostdog wrote:
Mon Nov 13, 2017 9:03 am
StevieG72 wrote:
Mon Nov 13, 2017 7:50 am
.06

I am trying to convince my friend with a larger portfolio than myself that fees matter. He is in denial.

I am hoping he will see the light soon. His portfolio is underperforming due to excessive cash holdings.
He quotes returns based on the 57% invested in stocks, ignoring the 43% in cash.
I tried the same with my friend. I had to drop the subject entirely. They can get defensive. Be careful.
+1
I've yet to meet anyone that asks for let alone accepts any tips or suggestion, or even hints.
Defensive to argumentative. Ego is human nature. The need to be "right".
I no longer talk about investment finance except to those that are equally interest in learning more about it.
j

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Sandtrap
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Re: What's your weighted average expense ratio?

Post by Sandtrap » Mon Nov 13, 2017 9:30 am

Kenkat wrote:
Mon Nov 13, 2017 9:12 am
0.37% per Morningstar X-ray
How did you get it so low?
j

Ant7
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Re: What's your weighted average expense ratio?

Post by Ant7 » Mon Nov 13, 2017 9:59 am

0.028% is the weighted average ( below 3 bp)

0.01% for S&P500 fund in her 401k (plan with large investment bank)
0.038% for international fund (MSCI ACWI ex-US) in his 401k (plan with different large investment bank)
0.04% for Vanguard's total market (VTSAX) in our IRA accounts

In last 3 years the ER for S&P500 fund in both of ours 401k plans dropped from 0.06%/0.08% to 0.01% :happy
Last edited by Ant7 on Mon Nov 13, 2017 10:05 am, edited 1 time in total.

onthecusp
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Re: What's your weighted average expense ratio?

Post by onthecusp » Mon Nov 13, 2017 10:03 am

0.18% Sliced and Diced.

AnonJohn
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Re: What's your weighted average expense ratio?

Post by AnonJohn » Mon Nov 13, 2017 10:36 am

.085%. Helped by TSP, hurt by muni-bonds and Wellington (both of which have very large requirements for Admiral shares). Considering slicing out Emerging Markets to use lower cost international TSP funds (yes, I realize indexes are not quite aligned to make that easy) and seek to do more TLH in the more volatile portion. Might let me get costs a little lower at the same time ...

bigred77
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Re: What's your weighted average expense ratio?

Post by bigred77 » Mon Nov 13, 2017 10:42 am

Mine is about 12 basis points with a slice and dice approach, close to 50% of equities are international, and I factor in trading costs of ETFs within my 401k brokerage link.

I'm satisfied. I think one day I could get it under 10 basis points as the index fund price wars rage on.

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midareff
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Re: What's your weighted average expense ratio?

Post by midareff » Mon Nov 13, 2017 10:46 am

It's .14% due to some Fidelity Sector Funds I play with in a Roth which are up about 40% YTD..

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