What is a mutual fund?

What is a mutual fund?

 What types of mutual funds are there?

What types of mutual funds are there?

How can I buy a mutual fund?

How can I buy a mutual fund?

What is a loaded fund?

What is a loaded fund?

What is the difference between A, B and C shares?

What is the difference between A, B and C shares?

What is a no load fund?

What is a no load fund?

What is a 12b-1 fee?

What is a 12b-1 fee?

What mutual fund fees are normal?

What mutual fund fees are normal?

What else should I look for in mutual fund selection?

What else should I look for in mutual fund selection?

Can I just look at the number of stars a fund has in Morningstar?

Can I just look at the number of stars a fund has in Morningstar?

What mistakes do people make when investing in mutual funds?

What mistakes do people make when investing in mutual funds?

What are the types of mutual funds that I should be investing in?

What are the types of mutual funds that I should be investing in?

Are mutual funds the best type of investment?

Are mutual funds the best type of investment?

What is an asset class?

What is an asset class?

Financial Planning

Financial Planning

Are there rules for handling finances when you are married?

Are there rules for handling finances when you are married?

What is the fastest way of doubling my money?

What is the fastest way of doubling my money?

What are the categories and types of U.S. Bonds?

What are the categories and types of U.S. Bonds?

What are the asset classes within appreciation?

What are the asset classes within appreciation?

What investments fall in the asset class "Hard Asset Stocks?"

What investments fall in the asset class "Hard Asset Stocks?"

How long should I plan on needing money during retirement?

How long should I plan on needing money during retirement?

What is a stock index?

What is a stock index?

How can I keep the expenses of investing as low as possible?

How can I keep the expenses of investing as low as possible?

How is a stock's price determined?

How is a stock's price determined?

 What is a mutual fund?

What is a mutual fund?

How do I start investing?

How do I start investing?

What different types of  accounts are there?

What different types of accounts are there?

What is dollar cost averaging?

What is dollar cost averaging?

Is bankruptcy ever the right option?

Is bankruptcy ever the right option?

Why does the stock market fluctuate?

Why does the stock market fluctuate?

In addition to finances, what issues are important for retirement planning?

In addition to finances, what issues are important for retirement planning?

The Importance of a Written Financial Plan for Retirement

The Importance of a Written Financial Plan for Retirement

Investing the Right Way During Retirement

Investing the Right Way During Retirement

Avoid CD Investment For Retirement

Avoid CD Investment For Retirement

Systemic Withdrawal Plan For Retirement Investments

Systemic Withdrawal Plan For Retirement Investments

Creating A Plan For Retirement

Creating A Plan For Retirement

Understanding Health Care Costs During Retirement

Understanding Health Care Costs During Retirement

Refinancing A Mortgage Before Retirement

Refinancing A Mortgage Before Retirement

Evaluate Income Sources Before Retirement

Evaluate Income Sources Before Retirement

Annuitizing Income

Annuitizing Income

Financial Strategy For A Down Economy

Financial Strategy For A Down Economy

Investment For Beginners

Investment For Beginners

Investment Planning

Investment Planning

View more ...

David John Marotta

President, Marotta Wealth Management, Inc., Marotta Wealth Management, Inc.

http://www.emarotta.com  

434-244-0000

David John Marotta is the President of Marotta Wealth Management, a fee-only financial planning and asset management firm in Charlottesville, Virginia. He is an oft-quoted writer and speaker on financial matters and his weekly financial column can be found at www.eMarotta.com

What mutual fund fees are normal?

Host: What mutual fund fees are normal?

David Morotta: All mutual fund companies have fees but some mutual fund companies have higher fees than others. Sometime it s a higher fee because they are an actively traded fund and there is lots of buying and selling that is going on. Sometimes it is an index fund, so they do not have make many decisions and there is very little buying and selling, in which case the fees are lower.

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Host: What mutual fund fees are normal?

David Morotta: All mutual fund companies have fees but some mutual fund companies have higher fees than others. Sometime it s a higher fee because they are an actively traded fund and there is lots of buying and selling that is going on. Sometimes it is an index fund, so they do not have make many decisions and there is very little buying and selling, in which case the fees are lower.

Low expenses ratios will be 1% or less. Very low will be a half of a percent or less and the lowest mutual funds will have 0.

1% or 0.

2%. So, you can get for the very well managed large funds, you can get to your expense ratios down. We recommend keeping expense ratio on your portfolio as a whole under a half percent.

That may mean that some of your sand has an expense ratio of 1% but your rocks are very, very low which is your bigger part of your portfolio. Foreign mutual funds will have higher cost. So, foreign mutual funds might be 1.

2% or 1.

4%, a bond fund might have lower expense ratios.

When should parents introduce the concept of money?

When should parents introduce the concept of money?

How should parents introduce money to preschoolers?

How should parents introduce money to preschoolers?

When should children begin earning money outside the house?

When should children begin earning money outside the house?

How to Teach Your Kids About Money

How to Teach Your Kids About Money

Why is it important to teach my kids about money?

Why is it important to teach my kids about money?

How early should I begin teaching my kids about money?

How early should I begin teaching my kids about money?

Should I rely on schools to educate my children about money?

Should I rely on schools to educate my children about money?

What are good ways to teach younger children about money?

What are good ways to teach younger children about money?

How can I help my teens learn good money habits?

How can I help my teens learn good money habits?

What are some everyday ways to teach my children about money?

What are some everyday ways to teach my children about money?