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As with anything in life, you pay for quality. I pay higher fees (0.70% minimum) but get higher returns so the value that I earn more is enough to cover for the difference in the fees.

 

I had Vanguard when I was younger. Big mistake. Mura nga pero napapamura ako. LOL.

 

I'm a Boglehead so i love Vanguard! They are dirt cheap and you get market returns everytime. Simplicity is good for me. I only buy passive funds, not the active funds so i dont have to worry about a fund manager changing style, or resigning and moving to competitors or making errors in trading decision. But i understand why people chase to beat the market by buying active mutual funds. I just decided, thats not for me.

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  • 3 weeks later...

I have a lifestyle change. Less savings, more helping parents.

 

So instead of targeting $2K increase in my Mutual Fund Retirement Account, I will just target $1K per month.

 

The key is to keep the discipline of saving regularly. :)

 

I will keep a 60% equity : 40% money market position and just stay the course.

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