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Age And Credit Scores 18-24 year olds typically have the lowest average credit score by age (643). The age group of 55+ has the highest average credit score by age, 693. Personal Loan - Documents Required For bond funds, the average expense ratio was 0.61% last year. That's flat from a year ago but down from 0.75% a decade earlier. Money-market funds saw their average expense ratio fall to 0.17% last year from 0.18% in 2012 and 0.42% in 2003.


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