How To Read A 401k Fund Menu In Three Steps
Twenty names built from the same eight words. Three things on that screen tell you what you need, and the rest is decoration.
Topic
index funds
Target Date Funds: What The Year On The Label Buys
One fund holding several others, shifting toward bonds on a published schedule. The convenience is real and the question is only ever what you are paying for it.
Lump Sum Or Dollar Cost Averaging: Which Wins?
The arithmetic favours putting the whole amount in immediately, and the arithmetic is not the only thing in the room. Both answers are defensible and only one of them is free.
What A Brokerage Account Costs You At Tax Time
A regular brokerage account has no contribution limit and no rules about when you take the money out, and it charges you for that freedom every single year. The bill arrives as a tax form.
ETFs vs Mutual Funds: Only One Difference Costs You
Two wrappers around an identical basket of stocks, from the same firm, tracking the same index. Three things separate them, and only one of them will ever cost you money.
What A 0.75% Expense Ratio Costs Over 30 Years
The number is small, it is deducted invisibly, and over three decades it takes roughly a fifth of your balance. Here is the arithmetic, line by line, so you can check it yourself.
What You Actually Own When You Buy An Index Fund
An index fund is a rule, a list and a copy of that list. Once you see how the weighting works, the top ten holdings stop being trivia and start being the actual answer to what you own.
Compound, weekly
One money decision a week, with the arithmetic left in.
What the thing is, what it costs, and the sums worked out in full so you can check them. Free, no affiliate links, and you can leave in a click.
The form is not connected yet, so no address is sent or stored. What the letter covers