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I'm interested in your thoughts about investing in mutual fund families. Is it important to hold IRA accounts through different organizations or not? (I'm also ready to roll a 401(k)from an employer.)

I'm comfortable with one group and they have low expense ratios. However, Grandma used to say, "Don't put all your eggs in one basket". Is it smarter to pay a higher expense ratio just to spread your investment between at least 2 mutual fund groups, and thus lower risk?
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You get the most flexibility by having your IRA with a brokerage like Schwab, Fidelity, or Ameritrade. Then you can buy just about any mutual fund you want, so if you want to sell one and buy another from a different family, you do not have to change accounts.

The bottom line for a fund is its performance after all the fees have been paid, so it is wrong to concentrate just on the fees.
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