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the right way to invest blog

DFA's "Core" and "All-In-One" Funds Explained

2/14/2018

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Included are links to two PDFs.  2018 Core Solutions Brochure explains why we use “core” funds in our investment portfolios.  One key component is how they are designed to reduce turnover (turnover is buying and selling stocks within the fund) and transaction costs.  Reducing those ultimately lowers mutual fund costs, and those savings are passed on to you the investor in the form of a low expense ratio.
 
The expense ratio is the price you pay to be in the fund.  A fund with an expense ratio of .31% means you pay $3.10 for every $1,000 you have invested in the fund, and you pay this on a yearly basis, too.  The expense ratio is rolled into the price of the fund, you do not see it come out of your account like you do our management fee.
 
Depending on your investment portfolio selection, those funds are titled US Core Equity 1, US Core Equity 2, US Vector Equity, International Core Equity 1, International Vector Equity, and Emerging Markets Core Equity.  I encourage you to read page 2 – there I highlighted some text explaining why we use them and how they are designed. 
 
2018 Global Allocation Funds Brochure is for those of you with All-In-One funds in your investment account.  These funds go by the names DFA Global Equity, DFA Global Allocation 60 / 40, and DFA Global Allocation 25 / 75.  Pages 2 & 3 dive into how these funds are constructed and how they are managed behind the scenes.
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    Michael Pensinger, CFP® is Owner and President of Pensinger Financial, Inc.

    He grew up in Park Forest, Illinois and now resides in Lemont, Illinois with his wife, two children, and two dogs. Michael is actively involved in his community; coaching kids' sports, having served as Treasurer for the Lemont Area Chamber of Commerce Board of Directors, sitting on the Board of Directors for Hope & Friendship Foundation, and volunteering for the Lemont Heritage Woodland Sanctuary Open Space Committee. Read More

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ABOUT US
A Quick Look
Core Values
Background
What it Means to be a CFP
Code of Ethics
Investment Philosophy
WHAT WE DO
Our Services 
Our Pricing 
401(k) / 403(b) Rollover
Small Business Retirement Plans
​HCBA Retirement Solution
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Reading Recommendations
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Videos
​The Right Way To Invest Blog

Photos
​​That Familiar Voice
DFA Youtube Channel
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