Business is Personal (Finance)

Woo hoo!  Vanguard just announced they are eliminating Signal Share minimum requirements.  I will contact Employee Fiduciary ASAP to get our funds upgraded.  The funds we have with Signal classes:

Value (Large Cap)  0.14% <- 0.26%
Growth (Large Cap) 0.14% <- 0.26%
European           0.16% <- 0.27%
Pacific            0.16% <- 0.27%
Emerging Markets   0.27% <- 0.40%
REIT               0.14% <- 0.26%

We're only a few months away from Admiral for Intermediate Treasury (VFITX) but with the takeover of Fannie Mae/Freddie Mac, the Intermediate Government Bond option has become the same.

Intermediate-Term Government Bond 0.15% <- 0.25%

The chart comparing VSIGX against VFITX shows no difference other than a weird 1-day spike (probably a data issue at Morningstar).



If you are in a 401K plan using Vanguard investor-class funds, ask you administrator to request upgrades to signal-class.  The full list of Vanguard funds with Signal shares:

https://institutional.vanguard.com/VGApp/iip/site/institutional/investments/aggregateviews?cl=00000001#hist=upperTB%3AexpensesTBI%3A%3AlowerTB%3AperfQtrEndTBI%3A%3Acat%3AMutualFunds0000SIGNAL%3A%3AsubCatL1%3Aundefined%3A%3A%3Aundefined%3A%3AsubCatL2%3A

(Filed in retirement plans)