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Sly · 02-12-2026, 04:22 PM

Many years ago I had a 401(k) managed through an employer and a Roth IRA managed by me through Vanguard. I had the exact same stocks, with almost the exact same quantity of stocks.

My Roth IRA slaughtered the 401(k). This is when I learned a valuable lesson that most people never learn and I wish would...

Your 401(k) manager is likely killing you. Get away from them if possible. Pay attention to fees. Fees will make a difference you would not believe until you sit down and do the math. It's massive. The difference between a great retirement and a modest retirement supplemented by Social Security.

Ramit Sethi has some good material about fees.

02-12-2026, 04:22 PM
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,365	Many years ago I had a 401(k) managed through an employer and a Roth IRA managed by me through Vanguard. I had the exact same stocks, with almost the exact same quantity of stocks. My Roth IRA slaughtered the 401(k). This is when I learned a valuable lesson that most people never learn and I wish would... Your 401(k) manager is likely killing you. Get away from them if possible. Pay attention to fees. Fees will make a difference you would not believe until you sit down and do the math. It's massive. The difference between a great retirement and a modest retirement supplemented by Social Security. Ramit Sethi has some good material about fees. __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.