Index Fund Portfolios Using Etrade Commission-Free ETFs

Updated on September 14th, 2018
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Etrade made its name in the 1990s as one of the leading online-only stockbrokers. They, along with other internet brokers such as Scottrade and Ameritrade, brought rock-bottom, sub-$10 commissions to investors.

Some index fund investors may have accounts at Etrade for various reasons. When I worked on Wall Street, my investment bank only allowed personal investment accounts to be held at Etrade or Schwab. Etrade also offers an excellent individual 401(k) plan, so self-employed physicians or small business owners may choose to have an Etrade account for this reason.

Etrade also currently (as of July 31, 2018) offers a bonus of up to $2,500 for new deposits. So some investors may choose to invest their money at ETrade for the nice upfront bonus.

If you have an Etrade account, you can purchase over 250 ETFs commission-free, including many from Vanguard and iShares. Here’s how to build a simple, low-cost diversified index fund portfolio at Etrade, commission-free.

Components of a Three-Fund Portfolio

For those new to index fund investing, there are three major components of a diversified index-fund portfolio:

  1. U.S. Stocks
  2. International Stocks
  3. U.S. Bonds

Some investors think it can be beneficial to hold international bonds as well as U.S. bonds. They argue that if it is beneficial to diversify into international stocks, then it can be beneficial to add a fourth index fund or ETF for international bonds.

U.S. Stock ETFs

Etrade offers three great options to get U.S. stock exposure in their list of commission-free ETFs:

  1. iShares S&P 1500 Index Fund (ITOT, ER 0.03%) — I personally own ITOT in my taxable account at Fidelity. It’s a great, low-cost ETF that gives exposure to large-cap, mid-cap, and small-cap stocks by tracking the S&P 1500 index.
  2. Vanguard Total Stock Market ETF (VTI, ER 0.04%) — Etrade offers Vanguard’s total stock market ETF, VTI, commission-free.
  3. Vanguard S&P 500 ETF (VOO, ER 0.04%) — if you prefer to invest in the S&P 500 instead of the total stock market, you can purchase Vanguard’s S&P 500 ETF.

International Stock ETFs

There are several low-cost, commission-free international stock ETFs to choose from at Etrade:

  1. iShares Core MSCI Total International Stock ETF (IXUS, 0.10%) — this ETF gives exposure to large-cap, mid-cap, and small-cap international companies. It also invests in both developed international and emerging market economies.
  2. Vanguard Total World Stock ETF (VT, 0.1%) — like IXUS, this Vanguard ETF gives complete exposure to the international stock markets (large/mid/small-cap, developed/emerging markets).
  3. Vanguard FTSE Developed Markets ETF (VEA, 0.07%) — this ETF invests in large-cap, mid-cap, and small-cap international companies, but it only invests in developed international economies. VEA does not invest in emerging markets. It is the cheapest of the three available low-cost, commission-free ETFs at Etrade.

Low-Cost, Commission-Free U.S. Bond ETFs

Etrade only has one commission-free ETF that offers broad exposure to the U.S. Bond market, the Vanguard Total Bond Market ETF (BND, 0.05%). Even though there is only one option, this is an excellent option.

Etrade offers multiple low-cost, commission-free ETFs through Vanguard and iShares if you want to slice and dice your bond allocation by duration or bond-type, but I find this unnecessary for the majority of investors.

International Bond ETFs

There are two commission-free options at Etrade to get exposure to international bonds, BNDX and IAGG.

  1. Vanguard Total International Bond ETF (BNDX, 0.11%) has significantly more assets under management ($11.6 billion as of 8/15/18) and is more liquid (average bid-ask spread is 0.02%) than BNDX.
  2. iShares International Aggregate Bond ETF (IAGG, ER = 0.09%) is also commission-free at Etrade, but they have significantly lower assets under management ($843 million as of 8/15/18) and a higher bid-ask spread (0.07%) than IAGG.

How should I allocate my money between these three or four ETFs?

A very common question asked by new investors is how much of each ETF to buy for their portfolios. This is a personal question with no perfect answer. A good starting point for new investors is to follow the asset allocation of the appropriate Vanguard Target Retirement Fund. For example, if you plan to retire in 2040, then you could start with the asset allocation of the Vanguard Target Retirement 2040 Fund (VFORX):

  • U.S. Stocks: 51%
  • International Stocks: 34%
  • U.S. Bonds: 11%
  • International Bonds: 4%

If you only wanted to use three-funds, you would combine the U.S. and international bond allocation and invest 15% of your portfolio in Vanguard Total Bond Market ETF (BND).

Remember that this is a starting point for an asset allocation. If you believe that you cannot handle the ups and downs of the stock market as well as the average investor, then you might include more bonds and fewer stocks in your portfolio. Some investors may also include fewer or more international stocks according to their preferences. But following the asset allocation of the Vanguard Target Retirement Fund based on your age and planned retirement date is a good starting point to decide your asset allocation.

Conclusion

You can build a low-cost, diversified portfolio using only Etrade commission-free ETFs. Here’s a summary table of the commission-free ETFs to use:

Asset Class Option 1 Option 2 Option 3
U.S. Stocks ITOT VTI VOO
International Stocks IXUS VT VEA
U.S. Bonds BND
International Bonds BNDX IAGG

What do you think? Do you have an account at Etrade? How do you invest your money there?

 

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    I happened to fall for a crypto currency scam trick Late last year.Through a phishing scam, a Facebook imposter convinced me of howI would gain a large sum of profit from an authorized crypto company that he claimed helped traders invest and gain large profits. They ripped me of and made a way off with $114000 woth of crypto.I was in disbelief and discomfort as this was my hard earned funds. After reading positive articles and online testimonies about a licensed group of hackers RECOVERY MASTERS of how they are experts in crypto/btc recovery and any form of hacking. After hitting a conversation with them,they were able to recover back my funds.As a form of appreciation this was the best I could do for them.
    Contact; Email (Support@ lostrecoverymasters. com) or reach them through;Whatsapp; 1(204)819-5505 Learn more:  https:// lostrecoverymasters. com/ 
    Don’t forget to mention Ben referred you.f and discomfort as this was my hard earned funds. After reading positive articles and online testimonies about a licensed group of hackers RECOVERY MASTERS of how they are experts in crypto/btc recovery and any form of hacking. After hitting a conversation with them,they were able to recover back my funds.As a form of appreciation this was the best I could do for them.
    Contact; Email (Support@ lostrecoverymasters. com) or reach them through;Whatsapp; 1(204)819-5505 Learn more:  https:// lostrecoverymasters. com/ 
    Don’t forget to mention Ben referred you.

  29. You feel like a digital pioneer with your cache of Bitcoins as you go about your business. Everything in life seems perfect until you discover that a cunning cybercriminal has taken your money one day. You experience panic and believe that the internet community has directly harmed you. You find Hi Tech Recovery in a desperate attempt to find a solution. You reach out to them with little expectation as you are intrigued by their intriguing moniker and the ray of hope they seem to give. However, as luck would have it, their amiable group of tech-savvy wizards reacts right away and is prepared to assist you. If someone has stolen your hard-earned money, place it on the Hi Tech Recovery desk.
    Here is their email contact; hitechrecovery@contractor.net
    Whatsapp: +1 (863) 606-8347

  30. There are so many things that are possible in this world of technology, I don’t believe that a lost cryptocurrency can be retrieved or recovered, I lost the sum of $87,680 USDT on a fake trading platform. I felt so bad because I invested all I had into these, I told my co-worker about this issue and she told me that I had not heard of Adrian Lamo Hacker and I said no, she told me they are professional hacker with the best recovery experience, I had to contact the hacker and showed them all the necessary prove they requested within 48hrs they retrieve all my lost USDT back. I am very happy and excited because I never thought I could recover my lost USDT. Here’s a contact for professional hacker Email address: Adrianlamo@consultant.com they are reliable

  31. I’m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, Elite Wizard Bitcoin Recovery, who helped me recover my money from these fake investors. It took Elite Wizard Bitcoin Recovery 48 hours to recover my money and I was able to track down these people. I’m truly grateful for their service and I highly recommend them to anyone with the same problem.

    Email: eliterecovery247@cyber-wizard.com

    Call/WhatsApp +1 (805) -386-9670

  32. June 28, 2023 I mistakenly sent $116,000 worth of BTC to a recipient in a failed business deal and he refused to refund it and even went ahead to block me. I felt heartbroken. In my search for a solution, I contacted multiple recovery firms I found online including Daniel Meuli Recovery and today I only mention them because they were the ones who successfully tracked my transaction through their expert technology and was able to recover my stolen money eventually and the thief exposed and arrested. All questions and requests regarding Crypto transactions should be forwarded to Daniel Meuli Recovery for a solution using:
    Telegram @ Danielmeuli
    or whatsapp +.3.9.3.5.1.2.0.1.3.5.2.8.

  33. THE ONLY LEGITIMATE CRYPTO RECOVERY EXPERT….!!!

    Good day Audience, I want to use this great medium to announce this information to the public about Mr MORRIS GRAY. few months back, I was seeking an online BTC investment plan when I got scammed for about $172,000. I was so down and didn’t know what to do until I came across a timeline about Mr MORRIS GRAY. so I reached out to him and to my greatest surprise, they were able to recover all the funds which I had previously lost to the Devils. I am so glad to share this wonderful news with you all because it cost me nothing to announce a good and reliable Hacker as Mr MORRIS GRAY, His direct email is Morris Gray 830 at gmail dot com, WhatsApp: +1 (607) 698-0239…..!!!!!

  34. Hello, everyone! Today, I’m about to unravel the biggest secret I’ve encountered – an ATM card I stumbled upon in the depths of the internet. It’s not every day you encounter something as enigmatic as this! an ATM card from a clandestine online shop that allows you to withdraw a whopping $5,000 daily.
    This card has no branding, no company name, and it arrived in a completely nondescript package. Its origin remains a mystery. The only clear message: $5,000 daily withdrawals. Could it be too good to be true?
    For the past month, I’ve been using this enigmatic ATM card, and it’s nothing short of mind-blowing. It works like a charm, allowing me to withdraw $5,000 each day. I’ve tested it at various ATMs, and it delivers on its promise. I must admit, no card is perfect. There have been a couple of instances when the card didn’t work in very remote areas, but that’s more about the local banking infrastructure than the card itself.
    This card is like a treasure chest in your pocket, it has high-reward, works seamlessly, and I’ve made a fortune from this card’s ATM withdrawals! Compared to other cards in the market, it stands out for its transparency and excellent customer support.
    If you’re looking for a financial ally that empowers you, I can’t recommend this ATM card enough. The $5,000 daily withdrawal is real. Check it out t.me/Darkwebatmcard and take control of your financial future.

  35. I am posting this review here because I want to be of help to everyone out there, who in one or two ways has been scammed by online investment platforms. After going through a lot to recover my bitcoin although many people told me it’s impossible. If you’ve lost your bitcoin as a result of investing in binary options, trading platforms, your account was hacked or other bitcoin related scams or lost money to scammers online in whichever ways then You’re not alone. (I lost over $65,950 to skyrockettrade). Being a scam victim myself, I tried several means to recover my funds all to no avail, till I came across a cyber crime and recovery expert’s address online by name morriswhite789@cyberservices.com He literally saved my life, all i lost to these fake investors skyrockettrade was recouped in just a few days (a total of 3.7721 BTC) was recovered, Kindly send a message to the contact below if you’ve been in such situations and you are seeking recovery morriswhite789@cyberservices.com and thank me later..

  36. I couldn’t bear the pain of losing all my money to a fake cryptocurrency platform because I had been taken for a fool who trusted the wrong people. I went to the authorities but there was nothing they could do to get back my money from this cryptocurrency platform until my friend told me about Spyweb Cyber Security Service, after my research about Spyweb Cyber Security, I found them to be the most reliable and trustworthy crypto recovery service out there. I provided all the information of my scam to Spyweb Cyber Security Services and my money was recovered within 72 hours. I’m truly grateful for their top-notch service and Spyweb Cyber Security is indeed the best and most reliable cryptocurrency recovery company. I would suggest you contact them if you wish to recover your cryptocurrency.

    E-Mail: SPYWEB @ CYBERDUDE. COM
    Whats App Contact: +1 323 904 8824

  37. In search of help??, you need help spying on your spouse, or you need help getting information from their phone and you want this to be done without been noticed you just contact Brillianthackers800@gmail.com Via Whatsapp +14106350697, They deliver jobs right on time and they carry out jobs discreetly.

  38. Contact Spyweb Cyber Security for your cryptocurrency recovery. This is the best crypto recovery company I have encountered and I’m here to share my experience with you all. Spyweb Cyber Security was able to recover my crypto funds from the locked account of my crypto investment platform. It took Spyweb Cyber Security Service just 72 hours to recover the sum of $374,000 that I lost in cryptocurrency. I’m truly grateful for their help and professional service. Spyweb Cyber Security can be trusted as they are very reliable and trustworthy.

    Their contact information is as follows

    E-Mail: (SPYWEB@CYBERDUDE. COM)

    What’s App: (+13239048824)

  39. I would love to extend my gratitude and utmost appreciation to Geo Coordinates Hacker security company for helping me recover my money back. They helped me recover my stolen money, 34,000 dollars worth of bitcoin effortlessly. Their service is not only quick but professional and reliable. As someone who was skeptical about the process, I was pleasantly surprised to see my bitcoins returned in such a swift and hassle-free manner. Geo Coordinates Hacker security company truly goes above and beyond to ensure their clients’ satisfaction. I would highly recommend Geo Coordinates Hacker company for all your cryptocurrency recovery, digital funds recovery, hacking, and cybersecurity-related issues. Without a doubt, they are the best and I am very grateful to them for helping me recover my money. In case you have the same issues related to mine do not hesitate to reach out to them through their email Contact; geocoordinateshacker@proton.me.

  40. I lost my bitcoin to fake bitcoin trading option impostors on Facebook, they contacted me as blockchain official support and i fell stupidly for their mischievous act, this made them gain access into my blockchain wallet whereby 5.5938 btc was stolen from my wallet in total .I was almost in a comma and dumbfounded because this was all my savings i relied on . Then I made a research online and found a recovery expert , with the contact address- info@georgewizardrecoveryhome.com /georgewizardrecoveryhome @ gmail.com / WhatsApp- (+1 (908) 768-4663)
    I wrote directly to the specialist explaining my loss. Hence, he helped me recover my bitcoin just after 2 days he helped me launch the recovery program , and the culprits were identified as well , all thanks to his expertise . I hope I have been able to help someone as well . Reach out to the recovery specialist to recover you lost funds

  41. Jeanson James Ancheta wizard approach is unparalleled support service obtainable for supporting you in recovering your missing cryptocurrencies while controlling your binary trading technique. It’s conceivable that you’ve previously suffered fraud by a scam or a bitcoin dealer without a licence. It’s important to note that consumers who were conned into falling for the Bitcoin scam can get their money back. A similar problem I ran into led me to Contact him on Email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166. a hacking group that helped me get back my lost bitcoins, which were worth a total of $134,000, thanks to an anonymous tip.You can contact them on email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101. : for their excellent performance in this capacity.

  42. Jeanson James Ancheta wizard, I will like to appreciate this organization, all the gratitude and appreciation goes to this organization,they are the best, I can’t appreciate them enough I don’t know how or where to start from, first of all I will like to say am so grateful and thankful for this organization for being part of my progress over the years they have help me to recover my $55, 000 worth of stolen cryptocurrency, this would not have been possible without their help and support, at first I didn’t believe they will be able to help me recover the money but later on I was astonished, and amazed on how they were able to help me recover my money without stress it was very easy for him help me to recover my money am super excited and grateful to them, for their help. Contact him using email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101.

  43. ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED. Jeanson James Ancheta wizard is a financial regulator, private investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score. All software tools needed to execute RECOVERIES from start to finish are available in stock. Kindly NOTE that the available tools does NOT apply to CREDIT FIX. Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate. Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.Email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101. Stay Safe out there.

  44. A growing number of experienced and beginner investors are drawn to cryptocurrency investments due to their growing popularity. But because cryptocurrencies are digital, there’s a chance that they could be lost accidentally, stolen, or the target of a hack. Thus, the necessity for efficient techniques for recovering cryptocurrency assets has grown. You know that terrifying moment when you realize you’ve misplaced your crypto assets? Yeah, it’s like finding out you left the stove on after leaving the house – panic mode activated. With more and more people being involved in the cryptocurrency space, recovering cryptocurrency assets has become a critical concern. Since these digital currencies are decentralized, there is no bank or customer support hotline that you may contact for assistance. Web recovery solutions come to the rescue in this situation. As the crypto market explodes like a fireworks display, the need for web recovery solutions has skyrocketed. These tools act as a much-needed safety net for crypto investors, providing a lifeline to retrieve lost or stolen assets. Think of them as the crypto equivalent of a trusty superhero sidekick, rescuing your digital wealth from the clutches of misfortune. With cyber threats lurking around every corner of the internet, having a reliable web recovery solution is crucial for any crypto investor looking to sleep soundly at night. The enchanted answer to all of your concerns about protecting your cryptocurrency assets is here: Pro Wizard Gilbert Recovery. This tech wizard is coming to protect your priceless cryptocurrency holdings with a spell of protection. An unique web-based technology called Pro Wizard Gilbert Recovery was created especially for cryptocurrency investors who wish to protect and recover their funds in case of emergency. It provides you complete control over your cryptocurrency empire by fusing state-of-the-art technology with an intuitive user interface. Pro Wizard Gilbert Recovery is like having a trusty sidekick who has your back in the face of danger. It offers a range of benefits that make it the go-to choice for crypto asset protection. Firstly, it provides a seamless account recovery process, so you can breathe easy knowing that if you lose access to your crypto accounts, Pro Wizard Gilbert Recovery will swoop in to save the day. Contact
    Pro Wizard Gilbert Recovery through: Email: prowizardgilbertrecovery(@)engineer.com & Telegram: @Pro_Wizard_Gilbert_Recovery

  45. HOW I FINALLY RECOVERED MY LOST CRYPTO: I lost all my crypto to a fake investment scam to someone I met online. I started searching for help legally to recover my funds, and I came across a lot of Testimonies about HACKER STEVE. I contacted him, providing the necessary information and it took him and his team of experts about 36 hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this helps as many out there who are victims. I strongly recommend Steve professional services for assistance with swift and efficient recovery (Crypto, Credit card, Forex, NFT, etc) on Gmail: Hackersteve911@gmail.com | https://hackersteve.great-site.net/

  46. RECOVER YOUR LOST/STOLEN BITCOIN WITH THE HELP OF CRYPTO RECOVERY WIZARD
    When it comes to retrieving stolen bitcoin, CRYPTO RECOVERY WIZARD is unique due to its skill, dedication, and experience. Knowing the ins and outs of the cryptocurrency world, they work closely with law enforcement and utilize cutting edge methods to locate and track down stolen bitcoin. Their exceptional reputation in the bitcoin recovery services industry stems from their individualized approach and unwavering dedication to client satisfaction. My bitcoin was stolen, and although I reached out to several hackers who said they could help me get it back, all they did was take additional money from me in the process. Upon reaching out to CRYPTO RECOVERY WIZARD for support, all hope was reestablished. I was first skeptical, but CRYPTO RECOVERY WIZARD eventually managed to retrieve my bitcoin. Thank you very much. contact CRYPTO RECOVERY WIZARD for help to get your lust/stolen funds back and be happy.
    Email: cryptorecoverywizard@gmail. com

  47. I do think that those who give out reviews should consider leaving behind a relevant link that others can easily use to seek their crypto/funds recovery service. I did pick a couple of hackers’ links, websites and emails but most were just failing. for a long time. It is only okay to give truthful information. I am reviewing The Exner Hacker, the guy behind the recovery of my $20,000, in BTC. Thank you man for your services. the fact that you don’t demand payment before service is a plus. Your fast results were all that I had been looking for. if you would like your crypto or funds back, what about you reach THE EXNER HACKER by email and see how you like them: TheeTheexnerhacker@protonmail.com

  48. BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast 
    you can be to get the new PROGRAMMED blank ATM card that is capable of
    hacking into any ATM machine,anywhere in the world. I got to know about 
    this BLANK ATM CARD when I was searching for job online about a month 
    ago..It has really changed my life for good and now I can say I’m rich and 
    I can never be poor again. The least money I get in a day with it is about 
    $50,000.(fifty thousand USD) Every now and then I keeping pumping money 
    into my account. Though is illegal,there is no risk of being caught 
    ,because it has been programmed in such a way that it is not traceable,it 
    also has a technique that makes it impossible for the CCTVs to detect 
    you..For details on how to get yours today, email the hackers on : (
    atmmachinehackers1@gmail.com < Tell your 
    loved once too, and start to live large. That's the simple testimony of how 
    my life changed for good…Love you all .

  49. I’m willing to talk about my experience investing in bitcoin. You can, however, get your stolen bitcoins back. I was taught that recovering bitcoin was impossible, therefore I never thought it was conceivable. I recently lost close to $195,000 after falling for a forex scam that promised absurdly large returns. I looked everywhere for assistance before finding a Recovery Nerds article online. When I contact Recovery Nerds, my excitement was once more total. Get in touch with Recovery Nerds as soon as possible. They are a registered hacking group that can help with a quick and efficient bitcoin recovery. Contact Recovery Nerds at:
    Email: mailus@recoverynerds.com
    Whatsapp: +1 (514) 312-2803

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