# VZ 3a passive solution - experience?

**URL:** https://forum.mustachianpost.com/t/vz-3a-passive-solution-experience/172
**Category:** Banks, Insurances & Third Pillar
**Created:** [February 18, 2017, 8:13pm UTC](https://forum.mustachianpost.com/t/vz-3a-passive-solution-experience/172 "2017-02-18T20:13:23Z")
**Posts on this page:** 1
**Showing post:** 51

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### Author: ![nugget](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/nugget/32/57_2.png) [@nugget](https://forum.mustachianpost.com/u/nugget)
#### Post date: [September 2, 2017, 1:38pm UTC](https://forum.mustachianpost.com/t/vz-3a-passive-solution-experience/172/51 "2017-09-02T13:38:07Z")

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> [@rogerized](#):
>
> do you have your a \<0.1% portfolio already posted somewhere? Sounds insane.

yes, [here](https://forum.mustachianpost.com/t/mustachian-portfolios/108/72) 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.

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