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My Personal Investment Plan - Fund Selection

Written by Dogberry on October 27th, 2006
Filed Under: Personal Finance

Below are the funds that I am considering or have considered for my investment porfolio. The funds that are bolded are funds that I am currently using for my investment portfolio at Schwab.

Bond Funds

Short Term Bond Funds IRA Initial Subsequent Expense Turnover Redemption Fee
Short-Term Bond Market Fund (SWBDX) $1,000 $1 0.55% 109% none

U.S. Equity Funds

Large-Cap Equity Funds IRA Initial Subsequent Expense Turnover Redemption Fee
Schwab S&P 500 Index Fund (SWPIX) $1,000 $1 0.37% 4% 2%/30d/0
Schwab 1000 Index Fund (SNXFX) $1,000 $1 0.50% 6% 2%/30d/0
Small-Cap Equity Funds IRA Initial Subsequent Expense Turnover Redemption Fee
Schwab Small-Cap Index Fund (SWSMX) $1,000 $1 0.58% 40% 2%/30d/0
Large-Cap Value Funds IRA Initial Subsequent Expense Turnover Redemption Fee
American Beacon Lg Cap Value Plan (AAGPX) $1,000 $250 0.86% 25% -/-/+Schwab
Schwab Dividend Equity Fund - Investor Shares (SWDIX) $1,000 $1 1.07% 26% 2%/30d/0
Allianz NFJ Dividend Value D (PEIDX) $2,500 $500 1.10% 26% 2%/7d/+Schwab
Small-Cap Value Funds IRA Initial Subsequent Expense Turnover Redemption Fee
Northern Small Cap Value (NOSGX) $1,000 $500 1.00% 32% -/-/+Schwab
Schwab Small-Cap Equity Fund - Investor Shares (SWSIX) $1,000 $1 1.30% 90% 2%/30d/0
Paradigm Value (PVFAX) $1,000 $500 2.06% 67% 2%/90d/+Schwab
Gabelli Small Cap Growth AAA (GABSX) $1,000 $500 1.44% 6% 2%/7d/+Schwab

International Equity Funds

Large Blend International Funds IRA Initial Subsequent Expense Turnover Redemption Fee
Schwab International Index Inv (SWINX) $1,000 $1 0.69% 10% 2%/30d/0
Small-Cap International Value Funds IRA Initial Subsequent Expense Turnover Redemption Fee
Artisan International Value (ARTKX) $1000 $500 1.31% 53% 2%/91d/+Schwab
Large Cap International Value Funds IRA Initial Subsequent Expense Turnover Redemption Fee
Thomas White International (TWWDX) $1,000 $500 1.50% 36% 2%/60d/+Schwab
American Beacon Intl Equity Plan (AAIPX) $2,500 $250 0.95% 37% 2%/90d/+Schwab
Emerging Market International Funds IRA Initial Subsequent Expense Turnover Redemption Fee
Harding Loevner Emerging Markets (HLEMX) $1,000 $500 1.68% 36% 2%/90d/+Schwab

Definitions:

  • IRA Initial: The minimum amount that can be invested in an IRA account.
  • Subsequent: The minimum amount that can be added after initial IRA investment.
  • Expense: Annual fund operating expenses, expressed as a percentage of the fund’s average net assets.
  • Turnover: A measure of a mutual fund’s trading activity. A higher percentage indicates more turnover.
  • Redemption Fee: Percentage charged by the mutual fund if fund shares are sold within indicated period of time. Schwab may also charge a short-term redemption fee on certain funds that have been held for 90 days or less.

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