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re: If your IRA chart looks like this how concerned are you?
Posted on 12/18/18 at 12:53 pm to bayoubengals88
Posted on 12/18/18 at 12:53 pm to bayoubengals88
EDIT: As mentioned in the edit of my previous post, this post contained wrong information. I'm removing the bad info to avoid confusion for any future readers. Everyone is still free to point and laugh at my mistakes that were quoted by others, though.
Also, I didn't even think of looking at dividend yields on OP's funds earlier. Google says the current yields are:
OPTFX: .01%
OPOCX: 0%
QVGIX: .01%
OPPAX: 0.56%
OPSIX: 5.07%
OUSGX: 2.68%
And an addendum to my previous post. The net expense ratio for the funds:
OPTFX: 1.05% net expense ratio
OPOCX: 1.08% net expense ratio
QVGIX: 1.28% net expense ratio
OPPAX: 1.12% net expense ratio
OPSIX: 0.99% net expense ratio
OUSGX: 0.75% net expense ratio
OP, EDIT: research the funds a bit more and compare them to those of Vanguard and other providers if you would like the employer to switch. My info about returns was faulty and should not be used.
Also, I didn't even think of looking at dividend yields on OP's funds earlier. Google says the current yields are:
OPTFX: .01%
OPOCX: 0%
QVGIX: .01%
OPPAX: 0.56%
OPSIX: 5.07%
OUSGX: 2.68%
And an addendum to my previous post. The net expense ratio for the funds:
OPTFX: 1.05% net expense ratio
OPOCX: 1.08% net expense ratio
QVGIX: 1.28% net expense ratio
OPPAX: 1.12% net expense ratio
OPSIX: 0.99% net expense ratio
OUSGX: 0.75% net expense ratio
OP, EDIT: research the funds a bit more and compare them to those of Vanguard and other providers if you would like the employer to switch. My info about returns was faulty and should not be used.
This post was edited on 12/18/18 at 4:55 pm
2
Posted on 12/18/18 at 2:14 pm to Omada
Thanks for all your advice. I will be making a recommendation to a new provider. The big factor as to why no one noticed such poor performance is that I work for a small company and may have been one of only few employees under this plan moving forward.
Even with those results, I knew I something was not right with this mix of funds. I have even been taking some premature distributions. I know it is not smart when Uncle Sam takes his cut in taxes and an extra 10 percent. But with the employer match in the IRA some of this is like playing with house money. I still have a long time before retirement.
Even with those results, I knew I something was not right with this mix of funds. I have even been taking some premature distributions. I know it is not smart when Uncle Sam takes his cut in taxes and an extra 10 percent. But with the employer match in the IRA some of this is like playing with house money. I still have a long time before retirement.
Posted on 12/18/18 at 3:34 pm to Omada
quote:I just back tested this portfolio with equal weighting from 01/11 through 11/18 and Annualized growth is 4.97%. And every single one of those funds has had positive growth.
And an addendum to my previous post. The 5 year % return (total, not annual) for his funds and the net expense ratio:
OPTFX: -12.93%, 1.05% net expense ratio
OPOCX: -19.78%, 1.08% net expense ratio
QVGIX: 4.02%, 1.28% net expense ratio
OPPAX: -24.55%, 1.12% net expense ratio
OPSIX: -12.59%, 0.99% net expense ratio
OUSGX: -5.54%, 0.75% net expense ratio
Something doesn’t make sense.
This post was edited on 12/18/18 at 3:40 pm
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