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	<title>Comments on: Wednesday Roundup &#8211; Back at the Ranch Edition</title>
	<atom:link href="http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/</link>
	<description>personal finance tips, tricks, and commentary</description>
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		<title>By: Pinyo</title>
		<link>http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/comment-page-1/#comment-115763</link>
		<dc:creator>Pinyo</dc:creator>
		<pubDate>Thu, 06 Mar 2008 14:34:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/#comment-115763</guid>
		<description>Welcome back and thank you for the opportunity.  You have a really great audience here and my post was very well received.  Thank you!</description>
		<content:encoded><![CDATA[<p>Welcome back and thank you for the opportunity.  You have a really great audience here and my post was very well received.  Thank you!</p>
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		<title>By: Ryan S</title>
		<link>http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/comment-page-1/#comment-115762</link>
		<dc:creator>Ryan S</dc:creator>
		<pubDate>Thu, 06 Mar 2008 14:16:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/#comment-115762</guid>
		<description>Hey Nickel, thanks for the quick reply! I&#039;m pretty comfortable trusting vanguard, but I still might give them a call before starting our Roth IRA. Thanks for your hard work! I hope you get fair compensation.

Just to let you know who&#039;s reading your blog: twenty-something, married, last year of a masters, training to be a Christian pastor, looking forward to some sort of an income...</description>
		<content:encoded><![CDATA[<p>Hey Nickel, thanks for the quick reply! I&#8217;m pretty comfortable trusting vanguard, but I still might give them a call before starting our Roth IRA. Thanks for your hard work! I hope you get fair compensation.</p>
<p>Just to let you know who&#8217;s reading your blog: twenty-something, married, last year of a masters, training to be a Christian pastor, looking forward to some sort of an income&#8230;</p>
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		<title>By: nickel</title>
		<link>http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/comment-page-1/#comment-115761</link>
		<dc:creator>nickel</dc:creator>
		<pubDate>Thu, 06 Mar 2008 13:19:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/#comment-115761</guid>
		<description>Ryan: It might vary from fund to fund, but my understanding of the Vanguard offerings is that there is one fee. It&#039;s a bit higher than you&#039;d pay for, say, the 500 Index fund but that&#039;s because other underlying funds (Emerging Markets, etc) have higher fees associated with them. It appears to be sort of an average of the underlying classes, and is probably at least as low as you could achieve by buying the different funds separately. That being said, I&#039;m not 100% sure on this.</description>
		<content:encoded><![CDATA[<p>Ryan: It might vary from fund to fund, but my understanding of the Vanguard offerings is that there is one fee. It&#8217;s a bit higher than you&#8217;d pay for, say, the 500 Index fund but that&#8217;s because other underlying funds (Emerging Markets, etc) have higher fees associated with them. It appears to be sort of an average of the underlying classes, and is probably at least as low as you could achieve by buying the different funds separately. That being said, I&#8217;m not 100% sure on this.</p>
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		<title>By: Ryan S</title>
		<link>http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/comment-page-1/#comment-115760</link>
		<dc:creator>Ryan S</dc:creator>
		<pubDate>Thu, 06 Mar 2008 13:09:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/#comment-115760</guid>
		<description>Hey Nickel,

Could you explain the expense ratios of target dated funds? Are there two layers of expenses? As in, the expenses of the target fund itself and of all the funds contained within?
(cuz that would be a lot of expenses, some being quite hidden)</description>
		<content:encoded><![CDATA[<p>Hey Nickel,</p>
<p>Could you explain the expense ratios of target dated funds? Are there two layers of expenses? As in, the expenses of the target fund itself and of all the funds contained within?<br />
(cuz that would be a lot of expenses, some being quite hidden)</p>
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		<title>By: Lily</title>
		<link>http://www.fivecentnickel.com/2008/03/05/wednesday-roundup-back-at-the-ranch-edition/comment-page-1/#comment-115756</link>
		<dc:creator>Lily</dc:creator>
		<pubDate>Thu, 06 Mar 2008 03:55:11 +0000</pubDate>
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		<description>Thanks for the mention! :)</description>
		<content:encoded><![CDATA[<p>Thanks for the mention! <img src='http://www.fivecentnickel.com/wordpress/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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