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indextown personal finance and investing in mutual funds and etfs personal finance and investing in mutual funds and etfs about investing resources my asset allocation latest posts minimizing fees with saturna hsa indexfundfan october 5 2017 3 comments this year i became eligible to contribute to a health savings account hsa after reviewing many web resources including hsa search boglehead s hsa wiki morningstar s 2017 hsa review i shortlisted three hsa provider options the hsa authority lively hsa link to boglehead discussion saturna hsa link to boglehead discussion selection criteria my primary purpose of having the hsa is for investing my hsa provider selection criteria include no wrap fees any hsa with wrap fee is a non starter for me hsas that have wrap fees are eliminated and not considered first dollar investing several hsas require you to keep a certain amount of money in a usually low paying savings account before you can invest your money or to waive their fees the amount of money could range from 1 000 to 5 000 to me this is a cash drag penalty on investments if we assume a yearly portfolio return of 5 to 6 the implicit fee in having each 1 000 kept in cash could be like 50 year if we do not put a value to the implicit fee we would not realize how huge this fee could be for example hsa bank offers to waive the total 5 50 month fee if 5 000 is kept in cash seriously the implicit fee for this is like 250 year access to low cost funds i give preference to hsas with funds that have low expense ratios low fees the lower the monthly or yearly maintenance or account fees the better the hsa authority first dollar investing 36 year fee to invest in mutual funds investment options include vanguard s p500 tsm both with er 0 04 emerging mkts er 0 14 eafe er 0 17 short term bond index er 0 07 other options include smallcap midcap tips reit and lifestrategy funds from vanguard lively hsa first dollar investing 2 50 month for access to td ameritrade s brokerage with 100 commission free etfs including vanguard etfs fee apparently is paid from outside the hsa good con brand new startup saturna hsa first dollar investing mutual funds and etfs are available through their brokerage transaction fees 0 for ntf mutual fund trade 14 95 for each etf stock trade 24 95 for vanguard or fidelity mutual fund trade link to the list of ntf funds at saturna requires a minimum of one transaction per calendar year otherwise there is a yearly 25 inactivity fee which is reduced to 12 50 if the account only holds mutual funds con lengthy application forms which must be sent in through snail mail after reviewing and reminding myself that i would probably be making only one transaction a year i decided to go with saturna however if i would be making more than one transaction a year lively and the hsa authority are probably better choices fee minimization strategy using saturna and limiting to one etf trade a year the hsa running cost is 14 95 year however i realized that by bunching etf purchases to once every two years i can save on commission fees even more the following is one such strategy year one invest the entire year one hsa contribution into t rowe price s s p 500 index fund preix er 0 21 this is a ntf fund no trade fee 2 500 minimum 6 month holding period year two january sell all preix add the proceeds to year two contribution and purchase the schwab international equity etf schf er 0 06 for a 14 95 trade fee year three january put the entire year three contribution and any schf dividends into preix make no change to schf year four january sell all preix add the proceeds and any schf dividends to year four contribution and purchase more schf for a 14 95 trade fee and so on notes because the ntf fund preix has a higher expense ratio compared to the equivalent products from vanguard or schwab there is an implicit fee in using preix assuming vanguard s us largecap etf has an er of 0 05 this implicit fee is an er difference of 0 21 0 05 0 16 this fee is applicable one out of every two years years 1 3 5 etc and is roughly limited to the yearly contribution amount of around 6 800 so on average this fee is about 0 5 x 6 800 x 0 0016 5 44 year this fee could be a little higher depending on the growth of the fund the etf trade fee of 14 95 happens once every other year on average this fee is 7 48 year schwab s schf was chosen because it only distributes its dividends once a year in december in january this dividend gets invested on the other hand if i were to use vanguard s vea or voo i would have to deal with q1 q2 and q3 dividend distributions there is a fee to reinvest dividends from etfs there is no fee to automatically reinvest dividends for preix it might appear that i am changing my asset allocation between us largecap and eafe equity every year in reality i can make compensating trades in my other tax advantaged iras to account for these changes there is a transaction every year meeting the account activity requirement conclusion the total fee using the above saturna hsa strategy is approximately 5 44 7 48 12 92 year this is lower than either lively s 30 year or the hsa authority s 36 year brokerage investing strategies setting up a small business 401 k plan part 2 indexfundfan december 31 2016 1 comment part 1 selecting a provider part 2 selecting the investment options in this second part we look at some of the investment options selected for the 401 k plan as a recap the following were the objectives of the plan the plan offers a choice of low cost mutual funds that cover diversified asset classes and the plan is not overly expensive for the company to sponsor based on the criteria given the following requirements were put forth simplicity provide three core asset classes for those who value simplicity diversification provide exposure to the entire u s stock market most of the international stock market and the u s aggregate bond market low expenses mutual funds with low expense ratios target retirement funds that own the core investments rebalance automatically and become more conservative over time investment options i worked with the vanguard representatives and came up with the following list of vanguard mutual funds for ease of understanding the investment options are divided into four groups group a this group consists of target retirement funds these funds are for those who prefer simplicity above all else participants just pick the one fund that most closely matches the planned retirement year these funds own all the core asset classes re balance automatically and become more conservative over time group b this group offers the core asset classes as individual funds for participants to mix and match their desired ratio participants can also use group b to semi manage and re balance their portfolio in concert with their ira or taxable account investments group c this group offers additional asset classes for participants who want to duplicate fama french s research group d this group offers cash equivalent investments either a stable value fund or the federal money market or both faq q how are the investments options selected a the investment options in particular groups a and b options are modeled based upon the federal government s thrift savings plan www tsp gov the tsp is the largest defined contribution plan in the world and one of the very best more information on tsp is available from searching on the web e g from cbs news http www cbsnews com news thrift savings plan the model for all 401k plans q why are there so many index funds a index funds have no manager risk no style drift no asset bloat no fund overlap and never below average performance for comparison to actively managed funds please refer to this report which studies the relative outperformance or underperformance of actively managed funds against their benchmarks http us spindices com documents spiva spiva us year end 2014 pdf q i want to use the target retirement fund which one should i choose a please use this link from vanguard https investor vanguard com mutual funds target retirement to get more information it helps you choose the appropriate fund given your age or years to retirement q what are the participant fees for the 401 k plan a the fees range from 0 05 to 0 31 per year so on a 10 000 balance participants will be paying not more than 31 per year note that these fees are already reflected in the fund s daily quoted price i e there is no separate annual account fee there is an administrative cost to sponsor the plan that cost is borne by the company brokerage indexing investing brokerage investing holiday tree of historical returns indexfundfan december 28 2016 0 comments i saw this very interesting holiday tree of returns figure and i d thought i would share it the returns are based on the us stock market and the spread resembles a bell curve i am encouraged to see that the bell curve has a fat tail on the upper end for this year 2016 it looks like the return will fall into the 0 to 10 column indexing investing investing post navigation 1 2 3 100 next recent posts minimizing fees with saturna hsa october 5 2017 setting up a small business 401 k plan part 2 december 31 2016 holiday tree of historical returns december 28 2016 setting up a small business 401 k plan part 1 december 26 2016 entering early retirement december 25 2016 recent comments 46th carnival of investing 1st million at 33 on cash balance interest and margin account steve on minimizing fees with saturna hsa indexfundfan on minimizing fees with saturna hsa hsanewbie on minimizing fees with saturna hsa 5 myths about index investing us china news on my asset allocation tags admin banking brokerage economy etf investing investing_strategy mortgage my portfolio personal finance portfolio updates tax technology voip categories admin 8 investing 237 brokerage 56 etf 25 indexing 17 my portfolio 85 portfolio updates 51 strategies 41 tax issues 18 tools 1 non financial 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