You can improve your investment returns with one simple step -- cut costs. 
In a recent article in the The Journal of Financial Planning, William Ulivieri notes that a typical intermediate term bond fund charges between $450 and $1,110 per year if you invest $100,000 with them. Over 25 years, that would cost you $11,250 to $27,500.
Compare those costs to the similar yielding iShares U.S. Government Bond Exchange Traded Fund or ETF (symbol TLT) that would charge you $150 if you invest $100,000 with them. Over 25 years, that would cost you $3,750.
By switching to the ETF, You could save $300 to $950 a year or $7,500 to $23,750 over a 25 year period. Or to put it another way, you could earn $23,750 more by this one simple step.
Keep this simple step in mind the next time you read some dribble from a Wall Street guru or your broker tells you about a fabulous stock or bond mutual fund. Costs matter so cut them in your investment portfolio.
Comments
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