James48843
12-14-2007, 01:35 PM
The Thrift Board's presentation talked about comparisons to private funds, saying that most private funds limit trades.
So I started checking into it.
Vangard, on their website, does not list any limits at all. They DO have some funds with associated transaction fees- mostly the foreign funds (as we talked about elsewhere), where redemtion fees of up to 2% are charged. However, this only applies to a small number of the individual funds. Some are at 2% redemption fee, others at 1% redemption fees, but the vast majority have no fees at all.
Here is the list of Vanguard's products:
Vanguard® Funds by Asset Class Prices and performance
Expense ratio information can be found on the Overview page.
Click a fund name to view standardized returns, after-tax returns, and expense ratio information.
Important fund performance information (https://personal.vanguard.com/us/content/Funds/FundsImportantFundInfoJSP.jsp)
Money market funds (https://personal.vanguard.com/us/funds/vanguard/bytype#4) | Bond funds (https://personal.vanguard.com/us/funds/vanguard/bytype#3) | Balanced funds (https://personal.vanguard.com/us/funds/vanguard/bytype#2) | Stock funds (https://personal.vanguard.com/us/funds/vanguard/bytype#1)
Change share class (https://personal.vanguard.com/us/content/Funds/FundsVGFundsShareClassDefJSP.jsp) Investor Shares Admiral Shares Institutional Shares All
Money Market Funds
A money market mutual fund investment is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market mutual fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in such a fund.
Taxable Money Market
NameFund
No.Price as of 12/13/2007YTD Returns
as of
12/13/2007Average Annual Total
Returns as of 11/30/2007PriceChangeYield (https://personal.vanguard.com/#)1 Year5 Year10 YearSince InceptionAdmiral Trsy Money Mkt (https://personal.vanguard.com/us/funds/snapshot?FundId=0011&FundIntExt=INT)0011$1.00$0.000.00%3.90%C (https://personal.vanguard.com/#)4.58%4.87%2.86%3.63%3.96%12/14/1992Federal Money Mkt Fund (https://personal.vanguard.com/us/funds/snapshot?FundId=0033&FundIntExt=INT)0033$1.00$0.000.00%4.56%C (https://personal.vanguard.com/#)4.84%5.12%2.89%3.70%5.75%07/13/1981Prime Money Mkt Fund (https://personal.vanguard.com/us/funds/snapshot?FundId=0030&FundIntExt=INT)0030$1.00$0.000.00%4.67%C (https://personal.vanguard.com/#)4.90%5.18%2.93%3.74%6.46%06/04/1975Treasury Money Mkt Fund (https://personal.vanguard.com/us/funds/snapshot?FundId=0050&FundIntExt=INT)0050$1.00$0.000.00%3.78%C (https://personal.vanguard.com/#)4.45%4.74%2.70%3.46%5.08%03/09/1983Return to top (https://personal.vanguard.com/us/funds/vanguard/bytype#)
</DIV>Bond Funds
Taxable Short-Term Bond
NameFund
No.Price as of 12/13/2007YTD Returns
as of
12/13/2007Average Annual Total
Returns as of 11/30/2007PriceChangeYield (https://personal.vanguard.com/#)1 Year5 Year10 YearSince InceptionShort-Term Bond Index Inv (https://personal.vanguard.com/us/funds/snapshot?FundId=0132&FundIntExt=INT)0132$10.10–$0.02–0.20%3.79%A (https://personal.vanguard.com/#)6.67%6.80%3.79%5.13%5.40%03/01/1994Short-Term Federal Inv (https://personal.vanguard.com/us/funds/snapshot?FundId=0049&FundIntExt=INT)0049$10.52–$0.01–0.09%4.05%A (https://personal.vanguard.com/#)6.79%6.80%3.48%5.12%6.23%12/31/1987Short-Term Invest-Gr Inv (https://personal.vanguard.com/us/funds/snapshot?FundId=0039&FundIntExt=INT)0039$10.63–$0.01–0.09%4.84%A (https://personal.vanguard.com/#)5.41%5.95%4.13%5.13%7.36%10/29/1982Short-Term Treasury Inv (https://personal.vanguard.com/us/funds/snapshot?FundId=0032&FundIntExt=INT)0032$10.59–$0.02–0.19%3.17%A (https://personal.vanguard.com/#)7.37%7.40%3.59%5.07%5.48%10/28/1991Return to top (https://personal.vanguard.com/us/funds/vanguard/bytype#)
(more)
© 1995–2007 (https://personal.vanguard.com/#)The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corp.,
5
So I started checking into it.
Vangard, on their website, does not list any limits at all. They DO have some funds with associated transaction fees- mostly the foreign funds (as we talked about elsewhere), where redemtion fees of up to 2% are charged. However, this only applies to a small number of the individual funds. Some are at 2% redemption fee, others at 1% redemption fees, but the vast majority have no fees at all.
Here is the list of Vanguard's products:
Vanguard® Funds by Asset Class Prices and performance
Expense ratio information can be found on the Overview page.
Click a fund name to view standardized returns, after-tax returns, and expense ratio information.
Important fund performance information (https://personal.vanguard.com/us/content/Funds/FundsImportantFundInfoJSP.jsp)
Money market funds (https://personal.vanguard.com/us/funds/vanguard/bytype#4) | Bond funds (https://personal.vanguard.com/us/funds/vanguard/bytype#3) | Balanced funds (https://personal.vanguard.com/us/funds/vanguard/bytype#2) | Stock funds (https://personal.vanguard.com/us/funds/vanguard/bytype#1)
Change share class (https://personal.vanguard.com/us/content/Funds/FundsVGFundsShareClassDefJSP.jsp) Investor Shares Admiral Shares Institutional Shares All
Money Market Funds
A money market mutual fund investment is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market mutual fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in such a fund.
Taxable Money Market
NameFund
No.Price as of 12/13/2007YTD Returns
as of
12/13/2007Average Annual Total
Returns as of 11/30/2007PriceChangeYield (https://personal.vanguard.com/#)1 Year5 Year10 YearSince InceptionAdmiral Trsy Money Mkt (https://personal.vanguard.com/us/funds/snapshot?FundId=0011&FundIntExt=INT)0011$1.00$0.000.00%3.90%C (https://personal.vanguard.com/#)4.58%4.87%2.86%3.63%3.96%12/14/1992Federal Money Mkt Fund (https://personal.vanguard.com/us/funds/snapshot?FundId=0033&FundIntExt=INT)0033$1.00$0.000.00%4.56%C (https://personal.vanguard.com/#)4.84%5.12%2.89%3.70%5.75%07/13/1981Prime Money Mkt Fund (https://personal.vanguard.com/us/funds/snapshot?FundId=0030&FundIntExt=INT)0030$1.00$0.000.00%4.67%C (https://personal.vanguard.com/#)4.90%5.18%2.93%3.74%6.46%06/04/1975Treasury Money Mkt Fund (https://personal.vanguard.com/us/funds/snapshot?FundId=0050&FundIntExt=INT)0050$1.00$0.000.00%3.78%C (https://personal.vanguard.com/#)4.45%4.74%2.70%3.46%5.08%03/09/1983Return to top (https://personal.vanguard.com/us/funds/vanguard/bytype#)
</DIV>Bond Funds
Taxable Short-Term Bond
NameFund
No.Price as of 12/13/2007YTD Returns
as of
12/13/2007Average Annual Total
Returns as of 11/30/2007PriceChangeYield (https://personal.vanguard.com/#)1 Year5 Year10 YearSince InceptionShort-Term Bond Index Inv (https://personal.vanguard.com/us/funds/snapshot?FundId=0132&FundIntExt=INT)0132$10.10–$0.02–0.20%3.79%A (https://personal.vanguard.com/#)6.67%6.80%3.79%5.13%5.40%03/01/1994Short-Term Federal Inv (https://personal.vanguard.com/us/funds/snapshot?FundId=0049&FundIntExt=INT)0049$10.52–$0.01–0.09%4.05%A (https://personal.vanguard.com/#)6.79%6.80%3.48%5.12%6.23%12/31/1987Short-Term Invest-Gr Inv (https://personal.vanguard.com/us/funds/snapshot?FundId=0039&FundIntExt=INT)0039$10.63–$0.01–0.09%4.84%A (https://personal.vanguard.com/#)5.41%5.95%4.13%5.13%7.36%10/29/1982Short-Term Treasury Inv (https://personal.vanguard.com/us/funds/snapshot?FundId=0032&FundIntExt=INT)0032$10.59–$0.02–0.19%3.17%A (https://personal.vanguard.com/#)7.37%7.40%3.59%5.07%5.48%10/28/1991Return to top (https://personal.vanguard.com/us/funds/vanguard/bytype#)
(more)
© 1995–2007 (https://personal.vanguard.com/#)The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corp.,
5