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The Markets are fickle. But costs are something you can control, and keeping them down is crucial to your success as an investor.
Cut your fund fees. Okay, so you've wisely learned to avoid sales fees, but do you know how much your mutual funds really cost you each year? Morningstar's "Instant X-Ray" feature (click on "Tools" at www.morningstar.com) will break down your funds' fees into hard dollar figures and compare them with the average costs of similar funds. Boot out any funds with above-average expenses along with poorly performing actively managed funds, and replace them with low-cost index funds or exchange-traded funds.
Find a bargain broker. Our favorite online broker, Fidelity, doesn't have rock-bottom commissions, but we like its wide range of research and investment options. For bare-bones service, we favor WellsTrade, which offers 100 free trades per year as long as you maintain a minimum balance of $25,000, and Just2Trade, which charges a flat $2.50 commission for stock and fund trades.
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Haggle with your adviser. The best time to negotiate your adviser's fees is when you're still shopping around. Already settled? Ask for a dollar-by-dollar breakdown of the exact fees you're paying, then "ask very respectfully, 'Is there anything we can do to lower that price tag?'" says planner Sheryl Garrett, founder of the Garrett Planning Network. If you pay by the hour, start doing more paperwork and research at home so that you'll spend less time and money with your adviser.
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How Much It Costs to Host a Super Bowl Party in 2026Hosting a Super Bowl party in 2026 could cost you. Here's a breakdown of food, drink and entertainment costs — plus ways to save.
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3 Reasons to Use a 5-Year CD As You Approach RetirementA five-year CD can help you reach other milestones as you approach retirement.
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Your Adult Kids Are Doing Fine. Is It Time To Spend Some of Their Inheritance?If your kids are successful, do they need an inheritance? Ask yourself these four questions before passing down another dollar.
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Best Banks for High-Net-Worth Clientswealth management These banks welcome customers who keep high balances in deposit and investment accounts, showering them with fee breaks and access to financial-planning services.
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Stock Market Holidays in 2026: NYSE, NASDAQ and Wall Street HolidaysMarkets When are the stock market holidays? Here, we look at which days the NYSE, Nasdaq and bond markets are off in 2026.
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Stock Market Trading Hours: What Time Is the Stock Market Open Today?Markets When does the market open? While the stock market has regular hours, trading doesn't necessarily stop when the major exchanges close.
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Bogleheads Stay the CourseBears and market volatility don’t scare these die-hard Vanguard investors.
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The Current I-Bond Rate Is Mildly Attractive. Here's Why.Investing for Income The current I-bond rate is active until April 2026 and presents an attractive value, if not as attractive as in the recent past.
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What Are I-Bonds? Inflation Made Them Popular. What Now?savings bonds Inflation has made Series I savings bonds, known as I-bonds, enormously popular with risk-averse investors. How do they work?
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This New Sustainable ETF’s Pitch? Give Back Profits.investing Newday’s ETF partners with UNICEF and other groups.
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As the Market Falls, New Retirees Need a Planretirement If you’re in the early stages of your retirement, you’re likely in a rough spot watching your portfolio shrink. We have some strategies to make the best of things.
