I believe accumulating and distributing shouldn't make a difference because they're different share classes of the same fund. But for comparison, VWRA is over $30bn assets under management. So even with $2bn, I'd be a little worried.
If the only risk is that the fund closes (and not tracking error), it may still be worth holding them in a tax advantaged account where no capital gains taxes would be due. At the same time, 0.15% in management fees isn't really a big deal. On a $500k portfolio, you're looking at $750/year in savings... but daily swings on the order of +/- $5k. It would be nice if this put some pressure on Vanguard to lower their fees...
If the only risk is that the fund closes (and not tracking error), it may still be worth holding them in a tax advantaged account where no capital gains taxes would be due. At the same time, 0.15% in management fees isn't really a big deal. On a $500k portfolio, you're looking at $750/year in savings... but daily swings on the order of +/- $5k. It would be nice if this put some pressure on Vanguard to lower their fees...
Statistics: Posted by HKexpat — Sat Feb 01, 2025 10:09 pm — Replies 9 — Views 1000