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Home/Markets & Investing/INDEX FUND EXPENSE RATIO

Non-Profit Hospital Employees Can Double Their Annual Tax-Advantaged Savings

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Charlie Covington

index fund expense ratio · Apr 9, 2026

Non-Profit Hospital Employees Can Double Their Annual Tax-Advantaged Savings

Source: DojiDoji Data Terminal

A nurse at a non-profit hospital can contribute a combined $49,000 in annual tax-advantaged savings, while a nurse at a for-profit hospital is limited to $24,500 in a single 401(k).

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The Dividend Misconception Costs Retirement Investors Their Principal

Retirement investors drawing income from dividend ETFs like the iShares Select Dividend ETF believe their principal remains untouched while they draw down their base. This occurs because a company's assets decline by the amount it pays out as a dividend. On the ex-dividend date, the stock price adjusts downward by the dividend amount. Dividends represent a reallocation of value from the fund holdings to the investor rather than additive income. A $100 stock paying a $5 dividend becomes a $95 stock plus $5 cash. The iShares Select Dividend ETF, which yields 3.8%, is often used by retirees who treat dividend payments like interest on a savings account. Investors who spend these distributions while assuming their portfolio value is unchanged are slowly drawing down their base.

This structural advantage is a result of the tax code. Non-profit hospitals, as 501(c)(3) organizations, provide employees access to both 403(b) and 457(b) plans. Unlike the 401(k) and 403(b), the 457(b) has its own separate elective deferral limit. In 2026, the limit for each plan is $24,500, allowing non-profit employees to double the savings capacity of their for-profit counterparts.

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The Vanguard Growth ETF Outpaced the S&P 500 by 2 Percentage Points Annually Over a Decade

Investors using the Vanguard Growth ETF (VUG) achieved a 16% average annual return over the past 10 years, compared to 14% for the S&P 500. This outperformance is driven by a strategy that targets growth stocks, which typically outperform value stocks over the long term. The fund tracks the CRSP U.S. Large Cap Growth Index, which selects holdings based on six factors: expected long-term and short-term growth in earnings per share, three-year historical growth in earnings per share and sales per share, and current investment-to-assets ratio and return on assets. The Vanguard Growth ETF is 15% more volatile than the S&P 500, with a 10-year beta of 1.19. The S&P 500 has a 10-year annualized return of 14%.

index fund expense ratio

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