{ "media_type": "text", "post_content": "What fund would you recommend to invest Roth IRA money in? I had started an account with EJ when I was straight out of college and didn't know much about investing. But now realizing EJ charges pretty high trade fees for buying with them. Also, while the Franklin Templeton funds they have me in have great returns, the expense ratios are close to 1%. So, looking for something with good returns but more cost-effective.", "post_id": "61d795574ef9b7002fa48e7d", "reply_count": 4, "vote_count": 2, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early", "feed_type": "bowl" }

What fund would you recommend to invest Roth IRA money in? I had started an account with EJ when I was straight out of college and didn't know much about investing. But now realizing EJ charges pretty high trade fees for buying with them. Also, while the Franklin Templeton funds they have me in have great returns, the expense ratios are close to 1%. So, looking for something with good returns but more cost-effective.

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Ditch them for sure. Open an account at Vanguard or Fidelity and invest it all into VTSAX or FSKAX/FZROX, respectively. VTSAX is 0.04%, FSKAX is 0.015%, and FZROX is 0%. They are all basically the same fund (total US market). And I'm willing to bet they outperformed your current funds by a lot after fees. The US market is up 21% in 1 year and 102% in the last 5. A 1% fee in the long run can add up to a million dollars, which is crazy to think about.

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Thanks for the recommendations! Yeah, now that I understand what expense ratios mean, 1% like you said adds up!

I use SoFi, no fee from them and let them auto invest in an aggressive portfolio.

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I use TD Ameritrade

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