What is your overall portfolio weighted expense ratio

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s8r
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Re: What is your overall portfolio weighted expense ratio

Post by s8r » Fri Jan 18, 2019 1:54 am

Approximately 0.2%. Not low enough.

MarvinK
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Re: What is your overall portfolio weighted expense ratio

Post by MarvinK » Fri Jan 18, 2019 1:24 pm

0.045%
-Thankful I know HOW to calculate it.
-Thankful for the past five years of fortunate advice/reading here and other places. Otherwise, I'd be around .50 - 1.4%

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ruralavalon
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Re: What is your overall portfolio weighted expense ratio

Post by ruralavalon » Fri Jan 18, 2019 1:33 pm

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

Post by MnD » Fri Jan 18, 2019 1:37 pm

Now down to 0.094% post-retirement.
Our now 5 Dodge and Cox funds still make up the lions share of expenses.
Core holdings in TSP and Schwab ETF's are next to nothing.
MnD wrote:
Sat Jun 11, 2016 10:20 am
.11%.
If I didn't have 4 Dodge and Cox funds it would be a lot lower.
70/30 AA for life, Global market cap equity. Rebalance if fixed income <25% or >35%. Weighted ER< .10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.

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Darth Xanadu
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Re: What is your overall portfolio weighted expense ratio

Post by Darth Xanadu » Fri Jan 18, 2019 1:52 pm

0.028%
Only looking at funds (i.e. ignoring cash and individual stock holdings).

pasadena
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Re: What is your overall portfolio weighted expense ratio

Post by pasadena » Fri Jan 18, 2019 1:58 pm

Retirement: 0.024%
Non-Retirement: 0.058%

boglewill34
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Re: What is your overall portfolio weighted expense ratio

Post by boglewill34 » Fri Jan 18, 2019 2:03 pm

Around .05%. Most of that is due to international and EM. The CITs in my 457 for US equities and bond fund are all .01-.02%.
Last edited by boglewill34 on Fri Jan 18, 2019 4:06 pm, edited 1 time in total.

lostdog
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Re: What is your overall portfolio weighted expense ratio

Post by lostdog » Fri Jan 18, 2019 2:44 pm

Around .07%.

I'm grateful the 401k has low cost blackrock index funds.
Global Market Cap Equity || 25x Expenses

Shamb3
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Re: What is your overall portfolio weighted expense ratio

Post by Shamb3 » Fri Jan 18, 2019 3:25 pm

Somewhere between .08 and .1

My 401k fees are actually paid by my employer unless I request something by mail.
We have Vangaurd Large cap at a lower expense ratio than admiral shares.
And Vanguard Small / Mid cap at a really low expense ratio.

My total retirement saving average is like 8-10 basis points, but is due to some money I have at Janus that was invested in my youth and some money I invested before I knew how important expenses were.

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Spinola
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Re: What is your overall portfolio weighted expense ratio

Post by Spinola » Fri Jan 18, 2019 3:47 pm

I have multiple TIAA plans, 3 legacy, 2 current, plus 2 IRAs, and in the IRAs and Legacy plans, the lowest index funds Equity Index and Global Equities QCEPX, QCGLPX, are 0.3 or 0.31. In my current plan and supplemental RA I have access to the TIAA Equity Index Institutional class TIEIX, which is 0.05.. The IRAs I have TIAA Equity Index Retirement class TIQRX 0.30, and DFA Global Real Estate Securities DFGEX 0.24. Weighted is probably around .225

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topper1296
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Re: What is your overall portfolio weighted expense ratio

Post by topper1296 » Fri Sep 20, 2019 10:10 am

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
Sep 2019 check up and now down to 0.11% :sharebeer
Last edited by topper1296 on Mon Jul 27, 2020 6:01 pm, edited 2 times in total.

sixtyforty
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Re: What is your overall portfolio weighted expense ratio

Post by sixtyforty » Fri Sep 20, 2019 10:45 am

About .13%
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ruralavalon
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Re: What is your overall portfolio weighted expense ratio

Post by ruralavalon » Fri Sep 20, 2019 10:50 am

The weighted average expense ratio for our portfolio is 0.06%.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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anon_investor
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Re: What is your overall portfolio weighted expense ratio

Post by anon_investor » Fri Sep 20, 2019 10:54 am

Excluding 529 plans (which I do not count as part of my portfolio as the asset allocation is different), my overall expense ratio is sub 0.03% :D . Thanks mega corp 401k for the 0.01% expense ratio index funds!

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packet
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Re: What is your overall portfolio weighted expense ratio

Post by packet » Fri Sep 20, 2019 10:59 am

packet wrote:
Wed Sep 26, 2018 11:26 am
packet wrote:
Wed Mar 01, 2017 10:45 am
packet wrote:
packet wrote:0.1014 ... My ER is slowly drifting up
0.1036% ... As promised, drifting up ...
0.0845 ... W00T! ... Our 403b fund is switching ...
0.0747 ... drifting, drifting, drifting down ... weeee!
Talking to myself ... :/

Another good change to our plan. I'm now in Fidelity Zero funds.

0.0678%

:beer Cheers,
packet
First round’s on me.

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cashboy
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Re: What is your overall portfolio weighted expense ratio

Post by cashboy » Fri Sep 20, 2019 10:16 pm

3 fund

.021
Three-Fund Portfolio: FSPSX - FXAIX - FXNAX (with slight tilt of CDs - CASH - Canned Beans - Rice - Bottled Water)

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topper1296
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Re: What is your overall portfolio weighted expense ratio

Post by topper1296 » Mon Jul 27, 2020 6:01 pm

topper1296 wrote:
Fri Sep 20, 2019 10:10 am
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
Sep 2019 check up and now down to 0.11% :sharebeer
Jul 2020 check up and going down. Currently at 0.08%. :beer

swellkarl
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Re: What is your overall portfolio weighted expense ratio

Post by swellkarl » Mon Jul 27, 2020 9:39 pm

swellkarl wrote:
Fri Jun 10, 2016 6:17 pm
Under 0.07%, including a $28.75/quarter admin fee for my employer's Vanguard 401k plan.
July 2020 update. My retirement assets are now in Vanguard IRAs.

500 Index Admiral, 0.04% ER
Core Bond Admiral, 0.10% ER
Fed Money Market, 0.11% ER

Total ER is now down to about 0.06%

Karl

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galeno
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Re: What is your overall portfolio weighted expense ratio

Post by galeno » Tue Jul 28, 2020 3:51 am

As USA-NRAS w/o USA tax treaty we have additional portfolio expenses.

ER = 0.18%
Dividend withholding tax = 0.12%
Misc (currency, comissions, spreads) = 0.21%

TER = 0.51%

Using a 4% AWR that's a 12.8% annual "income tax".

We get to spend $0.87 (in our currency) from every $1 of gross portfolio income.
KISS & STC.

dcabler
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Re: What is your overall portfolio weighted expense ratio

Post by dcabler » Tue Jul 28, 2020 5:27 am

<0.07%

I have only 2 holdings with e/r's higher than I'd like
1. LTPZ at 0.20% - there really isn't another choice for me for a long term TIPs fund
2. SCZ at 0.40% - I prefer it over some of the lower expense choices, but the amount I hold isn't that large.

Ignoring Ibonds, everything else is between 0.03% and 0.08%

Cheers

whereskyle
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Re: What is your overall portfolio weighted expense ratio

Post by whereskyle » Tue Jul 28, 2020 6:20 am

Institutional Russel 3000 index fund at work: ER .02
VTI: ER .03
VT: ER .08
VTSAX: ER .04
VTWAX: ER .10

Weighted average: ER .05
"I am better off than he is – for he knows nothing and thinks that he knows. I neither know nor think that I know." - Socrates. "Nobody knows nothing." - Jack Bogle

Jack FFR1846
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Re: What is your overall portfolio weighted expense ratio

Post by Jack FFR1846 » Tue Jul 28, 2020 7:42 am

Jack FFR1846 wrote:
Wed Apr 26, 2017 1:02 pm
Jack FFR1846 wrote:0.050. My 401k is very small but at Fidelity with a match and no added fees. All in a Fido S&P 500 fund at 0.04%.
So at the beginning of the year, my wife's old 401k, for the first time added a management fee. So in minutes, that has been rolled over to her Fidelity IRA, changing the fund from a Vanguard bond fund to a Fidelity one. Shaved some ER off while at it. I've also since opened up a couple taxable accounts at Schwab and Fidelity and the wife opened a Roth at Schwab and taxable at TDAmeritrade. Overall ER is now below 0.045%

Between zero funds being added and my 401k ER dropping, my overall has dropped to 0.0179%. Lately, I've been buying VTI, which of course doesn't help the ER, but it's not horrible.

I live by "You get what you don't pay"

.....and "I live my life a quarter mile at a time. For those 10 seconds or less.....I'm free". :lol:
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packet
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Re: What is your overall portfolio weighted expense ratio

Post by packet » Wed Jul 29, 2020 11:52 am

packet wrote:
Fri Sep 20, 2019 10:59 am
packet wrote:
Wed Sep 26, 2018 11:26 am
packet wrote:
Wed Mar 01, 2017 10:45 am
packet wrote:
packet wrote:0.1014 ... My ER is slowly drifting up
0.1036% ... As promised, drifting up ...
0.0845 ... W00T! ... Our 403b fund is switching ...
0.0747 ... drifting, drifting, drifting down ... weeee!
0.0678%
You folks made me look ... 0.0647%

:beer Cheers,
packet
First round’s on me.

jason2459
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Re: What is your overall portfolio weighted expense ratio

Post by jason2459 » Wed Jul 29, 2020 11:56 am

Happen to have this calculated out on my Google sheets.

0.028

alluringreality
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Re: What is your overall portfolio weighted expense ratio

Post by alluringreality » Wed Jul 29, 2020 12:12 pm

I prefer keeping as much as possible in tax advantaged accounts, so our 0.15% 401k administration fee is my primary expense.
Targets: 15% I Bonds, 15% EE Bonds, 45% US Stock (Mid & Small Tilt), 25% Ex-US Stock (Small Tilt)

bck63
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Re: What is your overall portfolio weighted expense ratio

Post by bck63 » Wed Jul 29, 2020 4:19 pm

.....
Last edited by bck63 on Fri Jul 31, 2020 7:38 am, edited 1 time in total.

Mr.BB
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Re: What is your overall portfolio weighted expense ratio

Post by Mr.BB » Wed Jul 29, 2020 5:25 pm

This was a great idea to do. Mine is 0.15%
Last edited by Mr.BB on Wed Jul 29, 2020 7:35 pm, edited 2 times in total.
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abyan
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Re: What is your overall portfolio weighted expense ratio

Post by abyan » Wed Jul 29, 2020 5:28 pm

0.08% — it would be lower but I splurged on a pricey gold ETF. And I don’t have a workplace 401(k), but I do have an i401(k) and there are no expenses at all. My funds cost the same ER as they do in my IRA and Roth IRA.

Gadget
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Re: What is your overall portfolio weighted expense ratio

Post by Gadget » Wed Jul 29, 2020 5:50 pm

.048%

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abuss368
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Re: What is your overall portfolio weighted expense ratio

Post by abuss368 » Wed Jul 29, 2020 5:55 pm

Very very low when reviewing Portfolio Watch on Vanguard’s website.
John C. Bogle: Two Fund Portfolio - Total Stock & Total Bond - “Simplicity is the master key to financial success."

lostdog
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Re: What is your overall portfolio weighted expense ratio

Post by lostdog » Wed Jul 29, 2020 5:56 pm

It's .07.
Global Market Cap Equity || 25x Expenses

RadAudit
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Re: What is your overall portfolio weighted expense ratio

Post by RadAudit » Wed Jul 29, 2020 6:08 pm

0.12% I guess I'm paying extra for all the rebalancing VG is doing in the LifeStrategy funds.
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fatcoffeedrinker
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Re: What is your overall portfolio weighted expense ratio

Post by fatcoffeedrinker » Wed Jul 29, 2020 6:12 pm

5 bps.

Escapevelocity
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Re: What is your overall portfolio weighted expense ratio

Post by Escapevelocity » Wed Jul 29, 2020 6:44 pm

mine is .08%

jarjarM
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Re: What is your overall portfolio weighted expense ratio

Post by jarjarM » Wed Jul 29, 2020 6:49 pm

Only on boglehead where everyone is comparing how low their weighted expense ratio is :twisted: :beer

afan
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Re: What is your overall portfolio weighted expense ratio

Post by afan » Thu Jul 30, 2020 3:55 pm

I gave spent my career at large employers and the retirement plan providers do not charge the participants fees. Either paid by the employer or, more likely, the providers take no fee on the plan in order to get the assets into their funds.

All in cap weighted index funds at rock bottom prices. I don't calculate the exact cost but I think it is around 0.05%.
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Mr.BB
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Re: What is your overall portfolio weighted expense ratio

Post by Mr.BB » Thu Jul 30, 2020 5:41 pm

jarjarM wrote:
Wed Jul 29, 2020 6:49 pm
Only on boglehead where everyone is comparing how low their weighted expense ratio is :twisted: :beer
+1 LOL
"We are what we repeatedly do. Excellence, then, is not an act, but a habit."

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Spinola
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Re: What is your overall portfolio weighted expense ratio

Post by Spinola » Fri Jul 31, 2020 12:08 am

I definitely got the "keep fees low!" memo.. :mrgreen:

in 403b
TIEIX 0.05%
BTMKX 0.03%
VLGSX 0.07%
TIAA Traditonal 0%

In SEP and Roth IRA's

VTI 0.03%
VTV 0.04%
VIG 0.06%
SPTL 0.06%
SPLG 0.03%

Ferdinand2014
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Re: What is your overall portfolio weighted expense ratio

Post by Ferdinand2014 » Fri Jul 31, 2020 11:41 pm

FXAIX 0.015 82.5%
VTSAX 0.04 9.5%
Treasury bills 0.00 8%

About 0.016 weighted average
Last edited by Ferdinand2014 on Sat Aug 01, 2020 1:11 pm, edited 1 time in total.
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abuss368
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Re: What is your overall portfolio weighted expense ratio

Post by abuss368 » Sat Aug 01, 2020 9:55 am

I know it is very low when looking on Vanguard’s website. Maybe 0.08 or less. Not sure without looking up.
John C. Bogle: Two Fund Portfolio - Total Stock & Total Bond - “Simplicity is the master key to financial success."

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