Vanguard Investments simply despatched an early Valentine’s present to its thousands and thousands of buyers. The funding administration firm has lower the expense ratio on 168 share courses throughout 87 mutual funds and trade-traded funds (ETFs). Vanguard says that is the biggest expense-ratio lower in its 50-12 months historical past and can save buyers greater than $350 million this 12 months alone. An expense ratio is the annual…