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user-inactivated · 3210 days ago · link · · parent · post: The retirement revolution that failed: Why the 401 (k) isn't working
Vanguard doesn't really have fees. I think it comes out to $25 a year or something if you add the various fine print up, but you can get a chunk of that back if you sign up for paperless everything. It's been a while since I looked closely. The variable part is tiny. As far as composition, usually an index fund owns pretty much everything you've heard of. A "passive" plan doesn't change much. Vanguard's one of the best. I just bought most of a condo, so I'm certainly not banking on the stock market for my retirement. francopoli details elsewhere why that's nuts.