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Published: Monday 02 September, 2013

clothes women online clothes women online ?T Rowe Price or Vanguard for Roth IRA



Fidelity, T Rowe Price or Vanguard for Roth IRA?



I am planning to open a Roth IRA before this year ends, Im 25 yearold and plan to invest in one of those target date retirement, is that a good idea or should I make up my own portfolio consisted of all stocks since Im still young? In addition, Im debating of where to open my account between Vanguard, Fidelity and T Rowe Price. I see that Vanguard has the lowest expense ratio, but what about their performance? Where should I have my account open? Please share your experience. Thanks!



They all have some excellent funds but not all of the funds at each of the companies are excellent, only some. I do not personally think that it matters which you choose. If you do choose a target date retirement fund, you will miss out on the fun of choosing which funds to invest in. Investing actually can be fun. Personally, I would rather pick my own funds and have the option of choosing whether to invest my money in foreign stocks, U S stocks, large cap, small cap, or bonds. But many young investors have a tendency to go for broke when they are picking mutual funds. Many of them did go broke as a result in 20012003 when their go for broke funds went broke. So picking a target date retirement fund means you leave the choice of investment allocation to someone who is not so likely to use a daring strategy. I do have one criticism of the target date funds however. They are way over allocated to U S stock holdings. To me that is extremely risky. The Vanguard 2050 is 72% U S stocks for example.



Fidelity 69%. T Rowe Price 64%. Personally I think about 40% is about the maximum that should be invested in U S equities. The U S economy is not the most healthy on the face of the Earth.



I have money with each of the three companies you mentioned. I started with Fidelity because they are the largest mutual fund company. T Rowe Price had the best performance in the small cap value fund that I wanted. Vanguard has the best cost structure.



The decision to make about mutual funds versus building your own stock portfolio should be determined by your time/skill requirements. If you enjoy researching stocks and have the time/inclination to do it, do it. Each mutual f clothes women online und company has a brokerage arm to it.



If you are going to go with index funds, go with Vanguard because each index fund should have approximately the same return minus operating costs.



I started with mutual funds then expanded to individual stocks once I got some understanding of how the stock mar clothes women online kets work and what it can do for my retirement account.



I can only echo the other answers. All three of these companies have an excellent reputation for offering high quality, low cost mutual funds. My money is currently in Vanguard, but I have owned both Fidelity and T Rowe Price funds in the past. I have no complaints about any of these companies. I suggest you base your choice by researching the various mutual funds they offer and simply pick the ones you like the best. For example, I have heard good things about T Rowe Price target date retirement funds.



Like some people have said already, the companies are so very similar. I trade for about 6 different people family and friends all with Fidelity. their site is easy to use, shows all the info you need to keep track, to research, compare etc. They have funds from many, many different companies that are nofee for transactions. but get some international exposure.



maybe FGBLX. a global fund from Fidelity that is a little conservative.



Get conservative when you have profits to protect. down the road 10 to 15 years from now.



Good luck.



I personally use Fidelity and I really like their service. I don think that there is a material difference between the companies. They are all very large, secure, noload companies. If you check out the web site for the three fund families that you mentioned, they will all most definitely have a link that talks about all of their 4 5 star rated Morningstar Rating funds. You may want to choose the fund family that has the most highly rated funds over a broad spectrum of investments. That is why I like fidelity.



Most of the target retirement date mutual funds invest the majority of the assests in mutual funds of the same mutual fund family. In this respect, it is probably better to pick the family that has the largest and most diverse portolio of funds. It is a very good investment choice for a small investor.



Try to also pick a family or service that will offer you options down the road. My point is, you my want that feature in five years.



I strongly encourage you to investigate the websites for all three. Ask yourself what kind of research and analysis features they offer you. If you are 25 and saving for retirement, you already a leg up on most Americans. Down the road, you want many of those features.



Expenses are very important in determining your net return over long periods of time. In the long run, very few maybe 1 in clothes women online 20 mutual funds will outpace their respective index by a significant margin. And, any shortfall of the average return will be further worsened by the fees paid out of fund shareholder pockets loads, high expense ratios, 12b1 fees, the transaction costs of portfolio turnover, causing the majority of mutual fund investors to capture only a fraction of the total wealth that is there for the taking. The sensible alternative is to use lowcost index mutual funds. Play the par and keep more of what is rightfully yours. In doing so, you will probably outperform most of your peers.



Don think costs are important? Spend 25 minutes reading my chapter on costs. Or, don read it. I don care. I make no money from it anyway.



As far as performance is concerned, I will give you two statements to ponder:



1 Past performance is about as useful as reading tealeaves for predicting future performance. Morningstar rating mean ABSOLUTELTY NOTHING when selecting your funds.



2 Index funds always give returns consistent with the average minus some small expenses, such that you will not need to worry about how well it has performed or will perform in the future.



Personally, I use the Vanguard Target Date 2035 Fund for my Roth IRA. The Fidelity Freedom funds are a pretty decent choice, but are very complex, investing in 15+ underlying funds, all of them activelymanaged with higher turnover than a pure index fund.



As a fund investor, you put up all of the money and shoulder all of the risk. Therefore, who do you think is entitled to the majority of the total wealth provided by the stock and bond markets? The fund managers, the brokerages, the brokers, the government, or you? clothes women online

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