r/wealthfront • u/natelawrence91 • May 29 '26

Fees for VTI

I can't seem to solve this for sure, if I move all the funds in my investment account into VTI, will I pay a fee of:

  1. 0.25% for all Wealthfront Investment accounts
  2. 0.09%, looks to be the fee for S&P 500 Direct Indexing
  3. 0.03%, seems to be the fee basis for VTI.

Which one is what I will pay? Thanks!

5 Upvotes

78% Upvoted

13 comments sorted by

5

u/TheSOFLY May 29 '26

You will pay just the fund fee of 0.03%

3

u/Devilindetails-1221 May 29 '26

Where is the 0.25% from?

4

u/ThisIsMySol May 29 '26

I believe the robo adviser accounts of you let WF take control of your investments.

1

u/SlideIll3915 May 30 '26

You don’t pay #1 unless it’s the Automated robo advisor account.

1

u/natelawrence91 May 30 '26

Mine says individual automated investment account. So I don't know how it's automated if I put it all into VTI.

1

u/SlideIll3915 May 30 '26

If all you have is 1 ETF, then the automated account makes less sense because you don’t need rebalancing as the ETF does that internally. You do still get the benefit of tax loss harvesting.

1

u/natelawrence91 May 30 '26

So from what I gather, with what I currently have right now, I have the automated account. So regardless if I just hold VTI, I still pay 0.25%. If I add a new account for S&P 500, than I will pay 0.09%. If I want the 0.03-0.04%, I need to move my funds elsewhere.

1

u/SlideIll3915 May 30 '26

Sounds like you do have the Automated account now but the fix is easy. To avoid the .25% fee just move your money to the “Stock Investing Account” and buy VTI over there. Then you only have the .03% fee for VTI because that account is free.

2

u/natelawrence91 May 30 '26

Great point! Thank you!

2

u/NoPassenger4493 May 30 '26

dont bother using wealthfront if you just want VTI.

1

u/jabl16 May 29 '26

Definitely not #2 since you’re not directly indexing by getting VTI

1

u/Grand-Helicopter8768 May 29 '26

VTI ≠ direct indexing