r/Bogleheads • u/DrawingOk8403 • 4d ago

Advisor vs three fund portfolio

I have vt and bnd in my ira at chase. The advisor there had tried to sell me a divided configured sma promising it offered more downside protection. (Less growth). However it comes with a 1.45% AUM fee. It’s also actively managed. Which may in cases like what’s happening now may be beneficial.
I’d like to know what others here think about this? It’s probably too late to switch over now but is this something anyone here would consider ?

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u/ivobrick 4d ago

That price is extreme, even for eu standards. If you have bnd and vt, you have what i have. Im good, even after drops. We continue.