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REDDIT

Have an Advised account at Vanguard, thinking of changing it up

J
Feb 26, 2026 · 12:08

Long story short I have a traditional IRA that I'm not contributing to, just letting it ride. Plan on retiring in 17-20 years. It's an Advised account, currently has 175k in it.

The advisor has it pretty diversified. I'm just about ready to cancel the advisor service and go back to controlling it myself.

it's split roughly evenly between VADGX, VADVX, VAIGX, VHCAX, VTSAX, VZICX, VTI, and VXUS.

It's growing ok, I can't really complain, but it really seems like I could have done better just throwing it all on VOO or VFIAX.

I forget the exact number but I think the advisor fee is 31 points.