u/AnInMoon

What’s WF trying to do?

Seems like WF is recruiting a lot of managers and licensed bankers from Chase, I heard they’re trying to turn WF into another Chase, so in a few year everybody will be licensed. How is it gonna work in the long run? Right now premiers get paid minimum $90k while PCB only get $60k, I image a lot of people will be upset if they lower the base pay. If not then how will they afford to have everybody in the branch be licensed in a few years? The goal is to pay employees as little as possible while making the most profit possible. I know so many premiers in their roles for 20+ years and don’t want to leave because of how good the pay is, even with the recent change of micromanagement. The current model is working well honestly, big branches usually have 2-3 premiers that take all the affluent clients and 3-5 personal bankers that handle the general public. If everybody will be premiers then we all will be fighting for the affluent clients and no one will want to service mass. Is that how it is at Chase now? I would hate my job if I get interrupted during my calls by another nobody walking in demanding to know why they still haven’t gotten their SS payment this month.

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u/AnInMoon — 4 days ago

So right now they auto enroll me in the target date 2060 but I don’t want it and just want to put 80-100% in the total market index fund. I have my IRA at Fidelity buying FSKAX so I believe at Vanguard it’s VTSAX. However they do not offer that as an option in my 401k. But they have Fidelity funds for some reason. But the website is very hard to navigate and not modern like Fidelity so idk where anything is, idk what’s the fee for each of the fund. Where should I even find the fee information? Is the fee the same as when I buy it at Fidelity? Should it not be VTSAX and other Vanguard equivalent funds instead of Fidelity? Here’s all the funds they offer in my 401k.

Fidelity 500 Index Fund (FXAIX)

Fidelity Mid Cap Index (FSMDX)

Fidelity Small Cap Index (FSSNX) Fidelity Total Market Index Fund (FSKAX)

Vanguard FTSE Social Index Adm (VFTAX) B

Vanguard Inflation-Protected Sec Adm (VAIPX) B

Vanguard Short-Term Bond Index Adm (VBIRX)

Vanguard Target Retirement 2020 Fund (VTWNX) 

Vanguard Target Retirement 2025 Fund (VTTVX) 

Vanguard Target Retirement 2030 Fund (VTHRX) 

Vanguard Target Retirement 2035 Fund (VTTHX) 

Vanguard Target Retirement 2040 Fund (VFORX)

Vanguard Target Retirement 2045 Fund (VTIVX) 

Vanguard Target Retirement 2050 Fund (VFIFX) 

Vanguard Target Retirement 2055 Fund (VFFVX) 

Vanguard Target Retirement 2060 Fund (VTTSX) 

Vanguard Target Retirement 2065 Fund (VLXVX) 

Vanguard Target Retirement 2070 Fund (VSVNX) 

Vanguard Target Retirement Income Fund (VTINX) 

Vanguard Total Bond Market Index Adm (VBTLX) 

Vanguard Total Intl Stock Index Adm (VTIAX) 

Vanguard Treasury Money Market (VUSXX)
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u/AnInMoon — 12 days ago