What is your overall portfolio weighted expense ratio

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chuckb84
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Re: What is your overall portfolio weighted expense ratio

Post by chuckb84 »

DonCamillo wrote:
chuckb84 wrote:Without blending in special cases (CDs, cash, employer paid fees), the lowest possible seems to be around 0.05%, so 99.95% of your money is YOUR money!
99.95% is not quite accurate, as we hold on average for many years, and the expenses are deducted every year. Over time, assuming growth, your money trends to an average of what you put in and er divided by growth. If you are paying 5 basis points in expenses and earning 7%, or 700 basis points, then your account is growing annually by roughly 695 basis points. It is only approximate due to timing issues such as a loss one year and a bigger gain another.

For those who are in their early years of investing and contributing strongly, contributions tend to hide even relatively high expenses. For those who have large fund balances, and especially retired people who have stopped contributing, expenses can be devastating. If you are in the Edmund Jones accounts offered to my son as his only choice at his new employer for a 401k, you could be paying roughly 2% expenses on a yield of about 6%, so one third of your retirement income could go to expenses. Of course, the easy solution to that is to move all the 401k funds to a Vanguard IRA on retirement. It is still worthwhile for him to participate due to a company match.
Gotta love this forum for pointy pencil accuracy :D. What I meant was, when you CONTRIBUTE $100 of your money, then $99.95 stays. When you earn interest it is reduced, as you say, a few basis points. In your example, what you keep of EARNINGS is 695/700= 99.29%, not 99.95%, true enough, but still pretty great!
Tom1320
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Re: What is your overall portfolio weighted expense ratio

Post by Tom1320 »

We have 401k, 403b, HSA, IRA, and Roth IRA accounts spread among four institutions. Including management / admin fees our all in expenses are 0.199%. Looking to do some transfers out of old plans that could get down to 0.14% or so. These are all mutual funds, no ETFs.
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SGM
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Re: What is your overall portfolio weighted expense ratio

Post by SGM »

At the time this thread started I suspect my overall portfolio ER was about .01. The only time I accurately knew my overall ER was when I had Vanguard do a free plan. At that time the ER was .026. It is higher now because I have less individual stock and more index and bond funds.
Dottie57
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Re: What is your overall portfolio weighted expense ratio

Post by Dottie57 »

Finally calculated my portfolio expense ratio and it is 0.1147%. 401k has several more spendy funds which move it up.
PhilosophyAndrew
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Re: What is your overall portfolio weighted expense ratio

Post by PhilosophyAndrew »

0.12%
arowback
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Re: What is your overall portfolio weighted expense ratio

Post by arowback »

0.07%

This is between 401k, Roth at Vanguard, and HSA.
gkaplan
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Re: What is your overall portfolio weighted expense ratio

Post by gkaplan »

0.105%
Gordon
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Re: What is your overall portfolio weighted expense ratio

Post by 10.06am »

Made some adjustments after posting for advice a few weeks ago.

Weighted ER is now 0.039

Fidelity 401k & Vanguard
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leeks
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Re: What is your overall portfolio weighted expense ratio

Post by leeks »

0.15% vanguard target retirement (in 401K and Roth IRAs)
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samsoes
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Re: What is your overall portfolio weighted expense ratio

Post by samsoes »

0.05912%
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watchnerd
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Re: What is your overall portfolio weighted expense ratio

Post by watchnerd »

.08%

If the Vanguard calculator is accurate.
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mervinj7
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Re: What is your overall portfolio weighted expense ratio

Post by mervinj7 »

With the announcements made by Fidelity last month, our weighted ER has dropped even further. All of our Roth IRAs now have access to the institutional share classes of their respective index funds. In addition, I setup my Roth IRA to use the new ZERO funds as an experiment.
  • Her 403b (managed by Fidelity with Vanguard Institutional Funds): 0.039%
  • His 401k (managed by Fidelity with BlackRock Institutional Funds): 0.020%
  • His Roth IRA (Fidelity with ZERO funds): 0.003% :twisted:
  • Her Roth IRA (Fidelity with lowered index funds): 0.028%
  • His HSA (Fidelity): 0.05%
  • Total Weighted ER: 0.029%
All of the above accounts implement roughly the same asset allocation:
  • 60% Total US Stock
  • 25% Total Intl Stock
  • 15% US Bond
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packet
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Re: What is your overall portfolio weighted expense ratio

Post by packet »

packet wrote: Wed Mar 01, 2017 10:45 am
packet wrote:
packet wrote:0.1014
My ER is slowly drifting up towards 0.16 due to the S&P 500 fund in my 403b. It would be 0.0847 today and drifting downward, if not for my 403... :/
0.1036%
As promised, drifting up ...
W00T!
Our 403b fund is switching out of the S&P 500 fund for VINIX (Vanguard Institutional Index Fund Institutional Shares) with an ER of .04!
My new weighted ER will be 0.0845 ... happy camper I am ... :)
Of course, it's not really that big of a difference... but it still makes me happy.
0.0747 ... drifting, drifting, drifting down ... weeee!

:beer Cheers,
packet
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fennewaldaj
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Re: What is your overall portfolio weighted expense ratio

Post by fennewaldaj »

.224 I have a few active funds dragging it up a bit as well as some of the more expensive fundamental indexes(international small cap dividend, fundamental emerging market ect)
bhjjk19
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Re: What is your overall portfolio weighted expense ratio

Post by bhjjk19 »

1.2m , 60/40, weighted E/R: 0.074
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elgob.bogle
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Re: What is your overall portfolio weighted expense ratio

Post by elgob.bogle »

Current ER is .052 DW has 401k which represents about 1/4 of our combined portfolio which now is all Fixed Income: 46% TBM, 27% Short TIPS, 27% Short Treasuries. Loosing some to inflation now, & waiting for DW to retire in 18 months before any planned tweaking. Likely will replace TBM with Intermediate TIPS. ER should be about the same or little higher. We have made our number & are coasting!
Chris K Jones
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Re: What is your overall portfolio weighted expense ratio

Post by Chris K Jones »

.08%; Vanguard and Fidelity index funds and wee bit of individual stocks.
jmanter
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Re: What is your overall portfolio weighted expense ratio

Post by jmanter »

mervinj7 wrote: Wed Sep 26, 2018 10:44 am With the announcements made by Fidelity last month, our weighted ER has dropped even further. All of our Roth IRAs now have access to the institutional share classes of their respective index funds. In addition, I setup my Roth IRA to use the new ZERO funds as an experiment.
  • Her 403b (managed by Fidelity with Vanguard Institutional Funds): 0.039%
  • His 401k (managed by Fidelity with BlackRock Institutional Funds): 0.020%
  • His Roth IRA (Fidelity with ZERO funds): 0.003% :twisted:
  • Her Roth IRA (Fidelity with lowered index funds): 0.028%
  • His HSA (Fidelity): 0.05%
  • Total Weighted ER: 0.029%
All of the above accounts implement roughly the same asset allocation:
  • 60% Total US Stock
  • 25% Total Intl Stock
  • 15% US Bond
We're very similar.

Her Roth IRA (Fidelity with half ZERO funds): .016
Her Rollover IRA (Fidelity with ZERO funds): .004
HIS Roth IRA (Fidelity with half ZERO funds): .0146
His 401a (Vanguard Institutional Funds): .053
Total Weighted ER: 0.021%

All around this allocation.
64% Total US Stock
18% Total Intl Stock
18% US Bond
CarpeDiem22
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Re: What is your overall portfolio weighted expense ratio

Post by CarpeDiem22 »

Currently, its 0.46%. Used to be 0.65% 2 months back. Will be around 0.20% in a year from now (not correcting for reasons related to capital gains).
Rhadamanthus
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Re: What is your overall portfolio weighted expense ratio

Post by Rhadamanthus »

Just rolled over my previous 401(k) to my tIRA due to a job change, liquidating my Growth Index fund holdings (VIGAX, 0.05% ER) and buying a bunch more International (VTIAX, ER 0.11%), so my overall ER is up a bit now to 0.0583%. Thank goodness for having lots of VTSAX and VBTLX (0.04 and 0.05)!
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Phineas J. Whoopee
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Re: What is your overall portfolio weighted expense ratio

Post by Phineas J. Whoopee »

Down to four basis points now.

I won't bother to specify tenths of a basis point, that is, 1/1,000 of one percent.

PJW
coupleofcents
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Re: What is your overall portfolio weighted expense ratio

Post by coupleofcents »

.08% per Personal Capital. Of course, my work retirement account expense ratios are paid by my employer:)
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DartThrower
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Re: What is your overall portfolio weighted expense ratio

Post by DartThrower »

Phineas J. Whoopee wrote: Thu Sep 27, 2018 7:21 am Down to four basis points now.

I won't bother to specify tenths of a basis point, that is, 1/1,000 of one percent.

PJW
One one-hundreth of a basis point has sometimes been referred to as a "Bogle Unit". :D
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Rhadamanthus
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Re: What is your overall portfolio weighted expense ratio

Post by Rhadamanthus »

DartThrower wrote: Thu Sep 27, 2018 10:42 am
Phineas J. Whoopee wrote: Thu Sep 27, 2018 7:21 am Down to four basis points now.

I won't bother to specify tenths of a basis point, that is, 1/1,000 of one percent.

PJW
One one-hundreth of a basis point has sometimes been referred to as a "Bogle Unit". :D
So using this! "My portfolio ER is 583 Bogles, or just a little under 0.6 kiloBogles (kB)."
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DartThrower
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Re: What is your overall portfolio weighted expense ratio

Post by DartThrower »

700 BU here.
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ishkadetto
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Re: What is your overall portfolio weighted expense ratio

Post by ishkadetto »

To calculate an overall weighted expense ratio, would one use the ERs from only stock and bond fund holdings, or stock, bond, and money market funds? (VMMXX Vanguard Prime Money Market = 0.16%, for example)?
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dwickenh
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Re: What is your overall portfolio weighted expense ratio

Post by dwickenh »

.110 here
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topper1296
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Re: What is your overall portfolio weighted expense ratio

Post by topper1296 »

topper1296 wrote: Sat Feb 25, 2017 8:40 pm 0.19% between Fido, VG and Schwab.
Just checked this again and down to 0.13
Nowizard
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Re: What is your overall portfolio weighted expense ratio

Post by Nowizard »

Wish I could respond, but am using a computer (Personal) not used before while away from home. Vanguard's identification requirement of entering a texted code for unrecognized computers was entered correctly, but still resulted in being locked out from my account. Not good, Vanguard, on a Sunday.

Tim
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oldzey
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Re: What is your overall portfolio weighted expense ratio

Post by oldzey »

0.12% weighted portfolio ER as of 9/30/18.
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letsgobobby
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Re: What is your overall portfolio weighted expense ratio

Post by letsgobobby »

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pokebowl
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Re: What is your overall portfolio weighted expense ratio

Post by pokebowl »

I am in a rare situation where my current 401k plan offers funds cheaper than what is obtainable in my IRAs (minus Fido zero funds), thus currently my overall ER is sitting at 0.062%.
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vineviz
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Re: What is your overall portfolio weighted expense ratio

Post by vineviz »

I just got mine down to .145%.
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PFInterest
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Re: What is your overall portfolio weighted expense ratio

Post by PFInterest »

0.06% including all management fees as well.
Glockenspiel
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Re: What is your overall portfolio weighted expense ratio

Post by Glockenspiel »

It’s 0.128%, including my 401k, which is only about 15% of the overall portfolio. My 401k expenses are around 0.56%, in vanguard index funds.
2beachcombers
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Re: What is your overall portfolio weighted expense ratio

Post by 2beachcombers »

0.05% total - mix of Vanguard and Fido etf's and MF

jerry
LukeHeinz57
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Re: What is your overall portfolio weighted expense ratio

Post by LukeHeinz57 »

0.07%
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Rajsx
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Re: What is your overall portfolio weighted expense ratio

Post by Rajsx »

0.06 %

Mostly Index Funds in IRAs & Taxable
No 401k
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topper1296
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Re: What is your overall portfolio weighted expense ratio

Post by topper1296 »

topper1296 wrote: Sun Sep 30, 2018 12:46 pm
topper1296 wrote: Sat Feb 25, 2017 8:40 pm 0.19% between Fido, VG and Schwab.
Just checked this again and down to 0.13
Now down to 0.12 after I switched out of my last actively managed fund (VG ST Investment Grade to VG ST Bond Index).
ipabrewer
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Re: What is your overall portfolio weighted expense ratio

Post by ipabrewer »

er=.059

I'm using Rob Berger's excel sheet, downloaded from his webpage (https://www.doughroller.net/).

My highest er investments are VWELX (.25%, in ROTH) and 2 investments in the HSA (VSIAX and VWIAX) that if I add the maintenance fee the er come to .4% and .47%. HSA has a low overall impact, since it's fairly small compared to the other savings types. Looking into moving the HSA funds elsewhere. The VWELX investment will drop to .17% within 2 years, as we add future funds to it.
I like index funds!
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Doc
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Re: What is your overall portfolio weighted expense ratio

Post by Doc »

My overall e/r weighted average is 0.24%. :( You all say?

I have a considerable position in a fund with an e/r of 1.19%

Oh my, should I sell it?

But it has overperformed the category average over the last 15 years by 4.07% and the appropriate index by 3.43%.

Alas it's closed to new investors. I wonder why. :D
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retire2022
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Re: What is your overall portfolio weighted expense ratio

Post by retire2022 »

all

using Morningstar X-Ray tools you will be able to see your expense ratio as long as your balance was correct after closing bell (7:30PM EST for me)

Enter the fund symbol and respective balance in less than a few minutes you shall see your results. Don't use commas or dollar sign.

https://www.morningstar.com/portfolio.h ... Entry.aspx?
John Z
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Re: What is your overall portfolio weighted expense ratio

Post by John Z »

Morningstar X-Ray has my total portfolio as .08%.
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topper1296
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Re: What is your overall portfolio weighted expense ratio

Post by topper1296 »

topper1296 wrote: Sun Sep 30, 2018 12:46 pm
topper1296 wrote: Sat Feb 25, 2017 8:40 pm 0.19% between Fido, VG and Schwab.
Just checked this again and down to 0.13
Thanks Jack.
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Post by hdas »

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boglefannyc
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Re: What is your overall portfolio weighted expense ratio

Post by boglefannyc »

0.19% for my 401k which includes a $100 administrative fee
0.12% across all accounts
RNJ
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Re: What is your overall portfolio weighted expense ratio

Post by RNJ »

~ .17%
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Portfolio7
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Re: What is your overall portfolio weighted expense ratio

Post by Portfolio7 »

DonCamillo wrote: Sat Apr 29, 2017 9:36 am
chuckb84 wrote:Without blending in special cases (CDs, cash, employer paid fees), the lowest possible seems to be around 0.05%, so 99.95% of your money is YOUR money!
99.95% is not quite accurate, as we hold on average for many years, and the expenses are deducted every year. Over time, assuming growth, your money trends to an average of what you put in and er divided by growth. If you are paying 5 basis points in expenses and earning 7%, or 700 basis points, then your account is growing annually by roughly 695 basis points. It is only approximate due to timing issues such as a loss one year and a bigger gain another.

For those who are in their early years of investing and contributing strongly, contributions tend to hide even relatively high expenses. For those who have large fund balances, and especially retired people who have stopped contributing, expenses can be devastating. If you are in the Edmund Jones accounts offered to my son as his only choice at his new employer for a 401k, you could be paying roughly 2% expenses on a yield of about 6%, so one third of your retirement income could go to expenses. Of course, the easy solution to that is to move all the 401k funds to a Vanguard IRA on retirement. It is still worthwhile for him to participate due to a company match.
It may be possible to move the funds earlier. I understand that some 401k funds allow transfers while you are still with the company.
"An investment in knowledge pays the best interest" - Benjamin Franklin
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Portfolio7
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Re: What is your overall portfolio weighted expense ratio

Post by Portfolio7 »

Doc wrote: Sat Nov 17, 2018 1:26 pm My overall e/r weighted average is 0.24%. :( You all say?

I have a considerable position in a fund with an e/r of 1.19%

Oh my, should I sell it?

But it has overperformed the category average over the last 15 years by 4.07% and the appropriate index by 3.43%.

Alas it's closed to new investors. I wonder why. :D
Doc, lol; that's far from the highest er in the thread. I'd stay invested too, providing the extra return wasn't driven by wandering outside the category.

I pay 35 basis points but it doesn't bother me; my returns to date have been sufficient so that I feel the fees justified.
"An investment in knowledge pays the best interest" - Benjamin Franklin
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gas_balloon
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Re: What is your overall portfolio weighted expense ratio

Post by gas_balloon »

Down to 0.066, thanks in large part to an excellent 401K with ultra low ER funds.
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