Wealthy PotInvesting Basics
BND vs VBTLX: Same Fund, Two Wrappers
BND and VBTLX are two share classes of one Vanguard fund. Same bonds, same manager, 0.03% against 0.04%. The real decision is the wrapper and your broker.
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Investing Basics
DIVO vs SCHD: A 4.84% Payout Against a 3.32% Dividend Yield
DIVO vs SCHD from the filings: DIVO pays 4.84% but its stock dividends yield 1.35%. What the rest of that cash is, how it is taxed, what it costs.
Investing Basics
FNILX vs VOO: What a 0.00% Fee Actually Buys You
FNILX vs VOO from the prospectuses and SEC filings: FNILX charges 0.00% but does not track the S&P 500, and it only lives at Fidelity. 64 holdings differ.
Investing Basics
FXAIX vs SWPPX: Two Funds, One Index, Half a Basis Point
FXAIX and SWPPX track the same index and hold the same ten stocks to within 0.02 points. From the filings: 0.015% against 0.02%, quarterly against annual dividends, and a 60x lending gap.
Investing Basics
IVV vs VTI: What the Other 3,000 Companies Actually Buy You
IVV vs VTI from both issuers' SEC filings: 88% of VTI's weight is already the S&P 500. Same 0.03% fee, same tax drag, and a 0.43 point ten-year gap.
Investing Basics
SCHD vs SCHY: The International Sibling Follows a Different Rulebook
SCHD vs SCHY from the filings and the index rulebook: a volatility screen SCHD does not have, a 15% sector cap instead of 25%, and 9.95% of SCHY's dividends lost to foreign withholding tax.