VZ 3a passive solution - experience?

[nugget]

@rogerized

do you have your a <0.1% portfolio already posted somewhere? Sounds insane.

yes, here with theoretical 0.098% TER.
however i refer to the average expense of my ETFs. The IB fees (in my case ~0.17%) come on top.
the key ingredients is vanguard ETFs (US). they have market wide lowest TERs.