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re: question regarding target date retirement fund
Posted on 7/21/14 at 10:27 am to HailToTheChiz
Posted on 7/21/14 at 10:27 am to HailToTheChiz
I was actually in the middle of calculating the fee breakdown for recreating a Vanguard Target 2045. It's imperfect because it uses a domestic bond fund that isn't available to individual investors, but it came out to just over .185% in fees (I don't have the numbers in front of me as my girlfriend dragged me out to have breakfast by the pool...). When I get back inside, I'm going to finish the calculations, including the total fee for moving each element of the Target fund into Admiral shares.
1
Posted on 7/21/14 at 11:15 am to Joshjrn
Alright, with the aforementioned imperfection with the domestic bond fund and taking into consideration that I'm doing some half-assed early morning rounding, here are the numbers:
Fund . Percentage of Allocation . Investor Fee . Admiral Fee
Total Stock 63.1% (.17) (.05)
Total Int Stock 27% (.22) (.14)
Total Bond 7.9% (.20?) (.08?)
Total Int Bond 2% (.23) (.20)
Total investor shares fee - .1869
w/ Total Stock Adm - .1114
+Total Int Adm - .0898
+Total Bond Adm - .08032
+Total Int Bond Adm (all funds admiral shares)- .07972
Fund . Percentage of Allocation . Investor Fee . Admiral Fee
Total Stock 63.1% (.17) (.05)
Total Int Stock 27% (.22) (.14)
Total Bond 7.9% (.20?) (.08?)
Total Int Bond 2% (.23) (.20)
Total investor shares fee - .1869
w/ Total Stock Adm - .1114
+Total Int Adm - .0898
+Total Bond Adm - .08032
+Total Int Bond Adm (all funds admiral shares)- .07972
This post was edited on 7/22/14 at 8:42 am
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