Author Topic: Latest TSP Vid about Expense Ratios  (Read 2123 times)

simonsez

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Latest TSP Vid about Expense Ratios
« on: June 04, 2013, 09:16:17 AM »
http://www.youtube.com/tsp4gov

The presentation is called 'What Do You Pay to Save?'.  As soon as another new video comes out, the link will no longer connect directly but should still be searchable.

It perhaps unfair to compare the average of all funds to the average TSP fund (no variance in TSP funds' expense ratios, all TSP funds had 2.7 basis points in 2012).  For comparison to Vanguard, the unweighted average of the 122 Vanguard funds is 24.02 basis points.
https://personal.vanguard.com/us/FundsByName

The following are the Vanguard funds with 10 basis points or less:
VFIAX     5
VTSAX     5
VUSXX   10
VBIAX   10
VDMAX   10
VIGAX   10
VBILX   10
VLCAX   10
VMGMX   10
VIMAX   10
VMVAX   10
VGSLX   10
VBIRX   10
VTAPX   10
VSGAX   10
VSMAX   10
VSIAX   10
VTMGX   10
VBTLX   10
VVIAX   10

I'm not really trying to prove a point or lambast non-fed plans, just putting it out there for general info.


Johnny Aloha

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Re: Latest TSP Vid about Expense Ratios
« Reply #1 on: June 04, 2013, 01:06:59 PM »
Yes, TSP is a great deal for those who are eligible.

Nords

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Re: Latest TSP Vid about Expense Ratios
« Reply #2 on: June 04, 2013, 08:12:32 PM »
... all TSP funds had 2.7 basis points in 2012.
I think Vanguard would love to have the fund sizes enjoyed by the TSP's index funds.

And Vanguard may even be jealous of this:
"**** Expenses are offset by the forfeitures of Agency Automatic (1%) contributions of FERS employees who leave Federal Service before they are vested, other forfeitures, and loan fees."

grantmeaname

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Re: Latest TSP Vid about Expense Ratios
« Reply #3 on: June 05, 2013, 07:30:31 AM »
The overall, weighted average of the Vanguard funds is probably much lower than 24bp when you consider fund sizes - total stock market, total bond market, and 500 index alone are like 20% of Vanguard's assets under management. TSP is wicked cheap, though. Even Bogleheads is in love with it. I wish big employers offered something similar.