Sammy_M wrote:Robert, portfoliovisualizer.com shows the following factor loads when using the Frazzini-Pederson Factors and including Quality factor. Just wondering, why the difference?
in_reality wrote:I think SCHC (Schwab international small cap (0.19%ER) could also be paired with VEA to get total market (minus emerging). There must be a Vanguard fund though.
Sheepdog wrote:You aren't the only one who is having problems with USAA today. See USAA consumer complaints: http://www.consumeraffairs.com/insurance/usaa_auto.html
manwithnoname wrote:The reason your theory doesn't work is that you will never know when the market has hit bottom so its impossible to time when to buy sufficient equities to generate income needed for expenses.