- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
401K Fees
Posted on 3/23/24 at 11:42 am
Posted on 3/23/24 at 11:42 am
I have a 401K with Charles Schwab. It’s a managed retirement fund. I noticed that it charges fees. Would it be better for me to rebalance my funds and choose to invest in the Schwab S&P 500 index fund that my 401K offers which has lower fees? I’m 33 years old so I have a long time before I retire. I also have a Roth IRA. Thanks.
6
Posted on 3/23/24 at 11:54 am to Tigersbr2nola
Yes, actively managed funds that help “diversify your portfolio” are a load of shite. Its a sucker play imo. Diversify it yourself with cash and index funds. Not financial advice
Posted on 3/23/24 at 7:12 pm to Tigersbr2nola
What are the fees? My fees are nominal and Fidelity did a nice job last year with mine?
Posted on 3/24/24 at 12:28 am to Tigersbr2nola
SWPPX has been berry berry good to me
Posted on 3/24/24 at 8:41 am to Tigersbr2nola
It depends on you. Does he help motivate you? Whatever it takes to keep you invested over many years is what you need.
I have mostly self-managed my stuff, but have been self-motivated. I inherited a relatively small amount 10 years ago, and left if with the broker my parents used. Both paths have been good to me.
I have mostly self-managed my stuff, but have been self-motivated. I inherited a relatively small amount 10 years ago, and left if with the broker my parents used. Both paths have been good to me.
This post was edited on 3/25/24 at 8:35 am
Posted on 3/24/24 at 8:53 am to Tigersbr2nola
If you’re unsure, you can’t go wrong by converting to cash now. Take your profits and jump back in once you find the fund you feel most comfortable with. You could get lucky and catch it on an overdue correction. 
Posted on 3/24/24 at 10:03 pm to Tigersbr2nola
Minimizing fees is one of the keys to long term success investing for retirement. Look for passive broad low cost index funds.
Basically every major 401k broker should have access to these at extremely low fees,. Expense ratios under 0.10% are standard now. These fees at 0.50 and above will really add up over time and almost guarantee you perform worse than those that track the S&P500 over the long run
Basically every major 401k broker should have access to these at extremely low fees,. Expense ratios under 0.10% are standard now. These fees at 0.50 and above will really add up over time and almost guarantee you perform worse than those that track the S&P500 over the long run
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News