안녕하세요.
회사에서 401K를 Fidelity로 하고 있어요. 지금까지 WellsFargo2055 Target fund CIT E3 를 100%해서 했는데요. ROTH IRA에 있는 MF 다르게 dividends가 전혀 없습니다. 그래서 Vanguard Institutional 500 index trust가 fee도 낮아서 (0.06% vs 0.0108%) 100% 바꾸려는데요.
1. Dividends 가 없는 401K 투자는 안 좋은것 인가요?
2. Vanguard Institutional 500 index Trust (Shareholder fees: No additional fees apply)라고 써있는데요. 예전에 Fidelity account에서 Vanguard 상품을 구입하면 transaction fee가 있다고 들었는데 그럼 trasaction fee를 매번 내야 되는건가요 아님 No additional fees apply라고 있으니, 그냥 0.0108% fee만 내면 되는건가요?
3. 401K account에서 봤을 때, Vanguard Institutional 500 index trust Fund의 inception date (8/23/19)이랑 NAV ($136.53)가 Vanguard homepage에 있는 정보랑 다릅니다 (Inception 6/24/16 and NAV $181.79). 그럼 같은 fund가 아닌건가요?
4) Vanguard Institutional 500 index trust 로 100% 하려고 하는데. 다른 추천있으신가요?
WF TRGT 2055 CIT E310/22/2012 |
Blended Fund Investments* |
Asset Allocation |
0.06% |
VANG INST 500 IDX TR08/23/2019 |
Stock Investments |
Large Cap Blend |
0.0108% |
VANG IS EXT MKT IDX08/23/2019 |
Stock Investments |
Mid-Cap Blend |
0.0225% |
SS GACEQ EX-US IDX K06/30/2015 |
Stock Investments |
Foreign |
0.078% |
NT TIPS INDEX NL 307/28/2011 |
Bond Investments |
Intermediate-Term |
0.0325% |
SS US BOND INDEX M02/02/2004 |
Bond Investments |
Intermediate-Term |
0.025% |
US LG CAP ACTIVE EQ07/31/2013 |
Stock Investments |
Large Cap Blend |
0.3316% |
US SMID ACTIVE EQ08/23/2019 |
Stock Investments |
Small Cap Blend |
0.5722% |
AF EUROPAC GROWTH R6 (RERGX)04/16/1984 |
Stock Investments |
Foreign |
0.46% |
WT EMRG MKT RESEARCH05/15/2019 |
Stock Investments |
Diversfd Emerging Mkts |
0.76% |
PIM ALL ASSET INST (PAAIX)07/31/2002 |
Blended Fund Investments* |
Asset Allocation |
1.335% |
DIV ACTIVE BOND FUND09/01/2010 |
Bond Investments |
Intermediate-Term |
0.1481% |
|