Long story short, looking to swap some mutual funds to ETF's, but the comparison charts show that a couple of my funds have outperformed VT, VOO and QQQ over multiple timeframes. Not by huge amounts, but still rather significant.
I know past performance does not equal yada yada yada, but I wonder if I should just keep money where it's been for the last 30 years. It seems to have done well.
Do Fidelity.com comparison charts already factor in fees?
byu/PHL1365 ininvesting
Posted by PHL1365
2 Comments
The effect of expense ratios is factored in, yes, because those are internal to the fund; it’s not like you get “charged” for it separately.
And there are certainly funds out there which have outperformed broad market indexes. The tricky thing though sometimes is quantifying tax drag in accounts which aren’t tax-sheltered.
With ETF the fees are built into the return; so yes the return of the ETF are NET of fees.
With mutual funds they are mostly net of fees as well however some MF may have some front load or back load fee, however IMHO those funds probably should be avoided there is no real reason to pay some 5% front load on a fund, there will be 100s of other MF that have no transaction fee or load