Cruian t1_jecekz9 wrote on March 31, 2023 at 12:04 AM

Reply to comment by DharaniA in Should I follow 2 funds portfolio across all my retirement accounts? by DharaniA

>I wanted to move to ETFs because of their low expense ratio.

Low ERs is not exclusive to ETFs. In fact, several Fidelity mutual funds beat the ER of any comparable ETF.

Low ERs is usually far more of an issue of index based vs actively managed. Index mutual funds exist, actively managed ETFs exist.

>My 401k fund options are very limited.

That's usually the case.

>So I chose the funds I mentioned.

You only need FSKAX of those 3.

You should also look into adding at least an ex-US fund somewhere.

DharaniA OP t1_jeclk02 wrote on March 31, 2023 at 12:56 AM

Thank you. Will there be any difference between how ETFs are taxed vs Mutual funds are taxed?

Cruian t1_jecvpp9 wrote on March 31, 2023 at 2:14 AM

Within tax advantaged accounts, no.

DharaniA OP t1_jecwxui wrote on March 31, 2023 at 2:23 AM

Thanks. I see your point. It makes sense. What is your take on sticking to the same list of index funds (when the expense ratio is zero) across all my retirement accounts?