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Switching Vanguard mutual funds to ETFs in Roth IRA
Posted on 4/23/24 at 8:29 pm
Posted on 4/23/24 at 8:29 pm
I’ve read up on the differences between the two and appears that ETFs are cheaper with lower expense ratios. Would I do better by switching what I have on VTSAX over to an ETF? We have 2 Roths at over $100k each. ETFs weren’t around when I initially set up the accounts.
This thread helped explain the differences: ETF vs Mutual Fund
This thread helped explain the differences: ETF vs Mutual Fund
3
Posted on 4/23/24 at 8:49 pm to meeple
For someone who actively DCAs ETFs are superior as well.
I DCA weekly but if there’s blood I’ll do an extra buy. With a mutual fund you just get the days closing price, but often that isn’t close to the low of day. It’s small and possibly insignificant delta but a half percentage here and there should add up.
I DCA weekly but if there’s blood I’ll do an extra buy. With a mutual fund you just get the days closing price, but often that isn’t close to the low of day. It’s small and possibly insignificant delta but a half percentage here and there should add up.
Posted on 4/23/24 at 9:08 pm to meeple
VTSAX- expense ratio .04
VTI- .03
You should compare Vanguard funds to similar Fidelity funds as far as expense ratios. The lower the expenses the more in your pocket.
VTI- .03
You should compare Vanguard funds to similar Fidelity funds as far as expense ratios. The lower the expenses the more in your pocket.
Posted on 4/23/24 at 9:29 pm to Louie11
Looks like Fidelity Total Stock Market Index Fund is $0.015
Vanguard used to be the leader for these funds right? This seems like a big enough difference to at least switch to Fidelity.
Vanguard used to be the leader for these funds right? This seems like a big enough difference to at least switch to Fidelity.
This post was edited on 4/23/24 at 9:30 pm
Posted on 4/24/24 at 4:13 am to meeple
How about zero fees? Look at Fidelity Zero funds. They are mutual funds not etf’s, but they are free. They have them that match S&P 500, etc. (although they don’t say S&P 500 because then they would have to pay a fee to S&P 500 thus causing expenses)
Posted on 4/24/24 at 6:39 am to meeple
Using mutual funds is like using a rotary phone. It works, but there are more efficient options now with ETF’s that perform better, because of lower cost and lack of forced selling, than mutual funds that have always consistently underperformed the market.
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