last 2 years
last 6 months, looks like S is not doing so hot last 3 months
last 3 months. at a glance, both VTI and SCHB look a bit better, but
add linear regression trendlines and things get clearer
On Wednesday, February 2, 2022, 07:27:53 AM EST, ukchamps29_1999 via groups.io <ukchamps29_1999=yahoo.com@groups.io> wrote:
Probably not going to change your mind much, but TSP includes your roth balance when factoring Required Minimum Distributions. Commercial accounts do not do this, relying solely on your traditional year end balance.
The Fees are lower on the commercial side. Set up a Schwab account is free, and place your holdings in an ETF costs nothing. The expenses on those funds are .03% but you pay nothing, like the TSP they magically are paid and factored into share price. Vanguard, Fidelity, etc all a similar story.
Shop around and make an informed decision, but don't rely on TSP brainwashing that says they have the lowest fees around. They have actually become quite more expensive than commercial offerings over the last 20 years.
Keep in mind, I am not advocating you pay a firm a 1% management fee of your assets, unless you find the management fee is offset by much higher returns. Know there are options out there without management fees tied to them and less fees than TSP.
It would be interesting if one of the chart gurus could plot VTI and SCHB vs C, S and I offerings of the TSP.
The Fees are lower on the commercial side. Set up a Schwab account is free, and place your holdings in an ETF costs nothing. The expenses on those funds are .03% but you pay nothing, like the TSP they magically are paid and factored into share price. Vanguard, Fidelity, etc all a similar story.
Shop around and make an informed decision, but don't rely on TSP brainwashing that says they have the lowest fees around. They have actually become quite more expensive than commercial offerings over the last 20 years.
Keep in mind, I am not advocating you pay a firm a 1% management fee of your assets, unless you find the management fee is offset by much higher returns. Know there are options out there without management fees tied to them and less fees than TSP.
It would be interesting if one of the chart gurus could plot VTI and SCHB vs C, S and I offerings of the TSP.
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