ST Alpha - "One of the main things to assess about funds in a 401K/IRA is the expense ratio of the fund." (Reading a Post)

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In response to "I am not sure if he gets a commission however he doesn't take any annual management fee. This guy is from the university credit unit" by James Bond (aka Igor)

One of the main things to assess about funds in a 401K/IRA is the expense ratio of the fund.

Posted by ty97 Sep 22 '14, 16:44

Funds with higher expense ratios need to work hard to consistently beat the other funds and make the expenses worth it.

To my knowledge, research shows that in the long run, they just don't do that.

Responses:

ETFs are the way to go if you have an IRA that allows you to get them -- nm - Bacon Sep 22, 16:45 5
- If you want to manage them, yes. If not, then a fund is the way to go. -- nm - spamlet Sep 22, 16:47 4
  - True true. I like to manage my own funds. Great Western (Wife's) we have 22 mutual funds to allocate her funds into. - Bacon Sep 22, 16:56 3
    - Well with an ETF you have to reinvest dividends and whatnot. -- nm - spamlet Sep 22, 16:58 1
      - TD Ameritrade has me on something call drip. My dividends are reinvested back in without any fees. Great tool to use there -- nm - Bacon Sep 22, 17:00
    - My IRA I can buy anything on the market. That can be a good thing or a very bad thing if you aren't paying attention. - Bacon Sep 22, 16:58

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One of the main things to assess about funds in a 401K/IRA is the expense ratio of the fund.

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