Well I had Vanguard with my old employer and continued to use Vanguard with all my past 401k accounts transferred to a Traditional IRA.
Largest Retirement Account:
Vanguard Traditional IRA
- 73% VTSAX - Admiral Total Stock
- 24% VBTLX - Admiral Total Bond
- 3% VGSLX - Admiral REI
With the new company my 401k & HSA accounts are held with Fidelity. The first thing I did was transfer my HSA from HealthEquity to Fidelity. Goal was to remove the monthly charges HE had. Also from research I came to the conclusion that Fidelity was the better choice
HSA Picked Option [Small still putting money in]
- 100% FZROX - FIDELITY ZERO TOTAL MARKET INDEX Exp Ratio Gross/Net (0.0%)
401k Option [Small still putting money in]
- 70% FXAIX - Fidelity® 500 Index Fund - Exp Ratio Gross/Net (0.015%)
- 30% My IT Company Stock
The issues that I noticed was that Fidelity’s ‘ZERO’ options appeared better than the Vanguard ‘Total’ options with expense ratios/costs. Also my 401k was limited on which mutual funds that I could choose. I picked the best I could find with the idea of low exp ratios and ‘Total Market’. The Fid500 was closely tied to the SP500 and appeared to be my best option.
I was wondering what others thought about the Vanguard ‘Total’ vs Fidelity ‘ZERO’ funds.
