Search found 817 matches

by harikaried
Sat Jun 27, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 5934

Re: What credit should you get? (Ask me anything)

2% All: Fidelity Amex, Priceline Visa, Citi Double Cash MasterCard (Sam's Club) 5% Grocery: Sallie Mae 5% Dining and Amazon: Citi Forward 5% Gas: PenFed Cash Rewards That's pretty much what we have: 5% Grocery/Gas: Sallie Mae (up to $250/mo on each of groceries and gas) 6.667% Restaurants/Amazon/Mo...
by harikaried
Wed Jun 24, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45690

Re: Schwab Intelligent Portfolios [now live]

Schwab's Institutional Intelligent Portfolios are now live as of yesterday allowing RIAs to automate trades/rebalancing of customized portfolios. https://institutionalintelligent.schwab.com/advisor There's 450 ETFs to choose from that matched various requirements: • Correspond to one of 28 available...
by harikaried
Wed Jun 24, 2015 10:24 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45690

Re: Schwab Intelligent Portfolios [now live]

Emerging Markets TLHed on 6/1 and Developed Markets on 6/8 This might just be the difference in triggering methods. I believe Betterment looks at how much a given lot has lost as a threshold whereas Schwab looks at how much of the total account has lost as a threshold. My recent purchase of Emergin...
by harikaried
Wed Jun 24, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 5934

Re: What credit should you get? (Ask me anything)

How about cash-ish sign up bonuses over $400? E.g., statement credits, amazon gift card, purchase redemption. In the last 3 months, we've received 2x each of capital one venture, barclay arrival plus, chase sapphire preferred, amex premier gold, wells fargo propel world for a total of ~$6000 in rewa...
by harikaried
Tue Jun 23, 2015 3:43 am
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3753

Re: Ask me anything - Mortgages

I can't speak for everyone but major banks want to charge you fees and sell your loan to Fannie or Freddie. Is this why one can get a significant rate buy up / negative points enough to put towards principal curtailment (even after fees/costs)? So banks get paid their fees in the process even thoug...
by harikaried
Mon Jun 22, 2015 11:23 pm
Forum: Investing - Theory, News & General
Topic: Robo Advisor for people in retirement
Replies: 8
Views: 1494

Re: Robo Advisor for people in retirement

2. Do roboadvisors allow automated monthly withdrawals? I don't think so. Schwab Intelligent Portfolio seems to be built on the usual Schwab Brokerage account, so you can do recurring withdrawals as usual. It allows for various options: Monthly Quarterly Annually Twice a year Twice a month Weekly-M...
by harikaried
Sun Jun 21, 2015 7:57 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45690

Re: Schwab Intelligent Portfolios [now live]

Has the tax loss harvesting benefited as of yet? Not at all. I'm not sure if I'm doing something that is preventing SIP from tax loss harvesting, or their thresholds just haven't been exceeded. In particular, I've been adding 2%-of-account cash at the beginning and middle of each month enough to tr...
by harikaried
Sun Jun 21, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45690

Re: Schwab Intelligent Portfolios [now live]

This article on Friday 6/19 from RIABiz seems to indicate Schwab Intelligent Portfolio total managed assets is now $2.8b. http://www.riabiz.com/a/4987740034695168/schwabs-robo-for-rias-is-set-to-launch-in-next-10-days-to-delight-of-online-forerunners That would put it a good bit ahead of Betterment ...
by harikaried
Sun Jun 21, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45690

Re: Schwab Intelligent Portfolios [now live]

The performance view was updated this week to show a benchmark. They also made a new blog post describing the "blended benchmark": With Schwab Intelligent Portfolios, your portfolio is broadly diversified across up to 20 asset classes, with allocations to stocks, fixed income, commodities ...
by harikaried
Thu Jun 18, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)
Replies: 5
Views: 700

Re: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)

Thanks for the suggestions. I suppose another option is to buy Fidelity Spartan mutual funds with the cash -- perhaps some international fund Global ex-US (FSGDX), International Developed (FSIVX), or Emerging (FPMAX). None of them are Intl. Small Cap, but they're free without spread. But they all ha...
by harikaried
Thu Jun 18, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on what to pay off first: mortgage or car payment
Replies: 23
Views: 2346

Re: Suggestions on what to pay off first: mortgage or car payment

Car loan: -30k -1.9% interest -5 years remaining Is this a 2014 or 2015 new vehicle? You can refinance it to a 0.99% 48-month loan at PenFed. Saves you a little bit of interest but higher monthly payments. Current loan: ~$525/mo and $1500 total interest vs new loan: ~$640/mo and $600 total interest...
by harikaried
Wed Jun 17, 2015 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Tax savings of moving to no income tax state
Replies: 24
Views: 3366

Re: Tax savings of moving to no income tax state

From our experience moving from California Bay Area to Nevada but assuming OP's $500k income, a 2000sqft house, $100k local spending/yr, drive 15k mi/yr @ 20mpg. Santa Clara tax: income tax: 11.3% bracket -> ~$42k (8.4%) property tax: median $906/sqft -> ~$24k (4.8%) sales tax: 8.75% -> ~$9k (1.8%) ...
by harikaried
Sun Jun 14, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)
Replies: 5
Views: 700

Fidelity intl small cap: VSS ($7.95) vs SCZ/EEMS (free)

Just making sure, is it basically a no brainer to buy/hold VSS (Vanguard FTSE All-World ex-US Sm-Cp ETF) to get international small cap at Fidelity even with the $7.95 trade fee compared to buying 2 separate iShares ETFs at 80/20 weighting to get something similar with SCZ (iShares MSCI EAFE Small-C...
by harikaried
Wed Jun 10, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

If you don't actually know how the risk and return properties of your portfolio depend on the various asset allocations you are discussing then there is no rationale at all for any of the choices, including not "tilting" at all. Doing some backtesting of asset class allocation over 1972 -...
by harikaried
Wed Jun 10, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

We tilt to SV (actually, VSS, which isn't really SV) in international too. Oh that's interesting. I don't think Fidelity has something that's Global Small Cap. That's a pretty clever way to get small cap. We used 2:1 ratios all over the portfolio, including equities/bonds, but am now sliding toward...
by harikaried
Wed Jun 10, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

pt32 wrote:Do REITs provide any additional inflation protection compared to stocks?
I believe that's the common wisdom, but I don't have anything offhand to substantiate.
by harikaried
Wed Jun 10, 2015 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

I'm not sure what you are looking at Just doing a search for IJS and IJR with google using the site search. Digging in a bit more shows there's some debate about using IWN that tracks Russell 2000. IJS: About 1,310 results IJR: About 2,330 results IWN: About 3,910 results Although I see from this p...
by harikaried
Tue Jun 09, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

feh wrote:We use 2:1 ratio: US eq:ex-US eq and total market:small-value.
We currently have 2US:1ex-US. Any reason why you tilted small value for US but nothing for ex-US?
by harikaried
Tue Jun 09, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

SpideyIndexer wrote:Perhaps you do not believe the REIT overperformance will persist but you do with SV?
Some reason it seems that tilts to REITs tend to be small percentages as opposed to say 2US:1REIT or even 4US:1REIT. In fact, the Core Four has 48% US and 8% REIT for a 7US:1REIT ratio.
by harikaried
Tue Jun 09, 2015 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

ruralavalon wrote:I don't see any reason to require the same ratio, either 2:1 or 1:1, in all four areas.
I think the consistency/symmetricity keeps it closer to simple than having a bunch of different percentages especially by avoiding fixed percentage tilts, e.g., 5% REITs.
by harikaried
Tue Jun 09, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

I like the 1:1 plan, minus the TIPS at this point We don't have REITs for that rough inflation protection, so we'll go with TIPS. The 1:1 plan is nice in that there's just 2 percentages: one for the UStotal/USsmall/Global/Emerging and another for USbonds/TIPS. It is quite a big change from what we ...
by harikaried
Tue Jun 09, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

watchnerd wrote:Intl Dev: 1 Europe: 1 Pacific
This adds another level of splitting that moves things further from simple. I think we'll stop at Equity vs Bond -> US vs Intl -> Total vs Emerging for now before adding -> Europe vs Pacific.
by harikaried
Tue Jun 09, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

matjen wrote:Just looking at google hits is not the way to go about this decision
It's still curious why there's more discussions involving IJR than IJS. Are there more people talking about tilting to small cap instead of small cap value?
by harikaried
Tue Jun 09, 2015 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: 529 vs Brokerage Account when Saving for College
Replies: 3
Views: 626

Re: 529 vs Brokerage Account when Saving for College

It looks like the main argument for brokerage account for education saving is assuming one will be in 10-15% tax bracket to be able to realize long term capital gains at 0% tax. A secondary item is the state capital gains tax rate, where in Virginia you have it at 5.75%, but if you move to another s...
by harikaried
Mon Jun 08, 2015 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

I use IJS in my Fidelity account. It may be free still to buy or perhaps like $7 Thanks. A quick look seems to indicate free. I'm not sure how much I value keeping everything as mutual funds to simplify exchanges. A quick Google search reports 1300 pages mentioning IJS vs 4010 pages mentioning IJR....
by harikaried
Mon Jun 08, 2015 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

going from no tilt to a 50/50 Total Stock Market/Small Cap Value tilt is a big move. I would go 3 to 1 or perhaps 4 to 1. Same for International and Emerging Markets Some reason I feel that smaller moves isn't really worthwhile when an asset class ends up less than 5%. (I realize my example had TIP...
by harikaried
Mon Jun 08, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Re: Total:Tilt ratios for Small/Emerging/TIPS

US: 2 Total US : 1 Small Cap, <= looks reasonable to me but prefer small cap value, link Fidelity doesn't have a Small Cap Value Spartan fund, so plain FSSVX Small Cap is a proxy for that. Sounds like some people use IJR ETF at Fidelity to tilt, but that's also Small Cap and not SCV. Bonds: 2 US Bo...
by harikaried
Mon Jun 08, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2115

Total:Tilt ratios for Small/Emerging/TIPS

We were thinking of adding in some tilt (from the 3-fund), and I wanted to keep things relatively simple with nice ratios. From some searching around here, it looks like there's quite the range of tilts. I'm currently leaning towards 2:1 ratios, i.e., Equity: 2 US : 1 Intl US: 2 Total US : 1 Small C...
by harikaried
Sun Jun 07, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6146

Re: What Percent Of Your Annual Expenses Are Property Taxes?

Assuming annual expenses are all things paid other than income-related taxes for that year.

2013: 0.90%
2014: 0.96%

Although in 2013, there was some new furniture and appliances expenses, and 2014 had some remodeling expenses.
by harikaried
Thu Jun 04, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Home Improvement Projects
Replies: 9
Views: 1566

Re: Home Improvement Projects

We have a project of similar price. We put it all on 10 new credit cards earning about $5k cash from sign up bonuses.
by harikaried
Wed Jun 03, 2015 6:57 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 5755

Re: Heads up on a great CC promotion (Chase Freedom)

555 wrote:I can't see what I could spend $500 on (though I could spend it on 1% things just to get the bonus).
Just to make sure, you're trying to decide between 41% cash-back vs 45% cash-back?
by harikaried
Tue Jun 02, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Firefox Reader View - Nice!
Replies: 3
Views: 1013

Re: Firefox Reader View - Nice!

This works on both Firefox for Android and the usual desktop client. It's especially useful on mobile as it sizes the main article nicely.
by harikaried
Fri May 29, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Home Equity as part of your Net Worth?
Replies: 25
Views: 2850

Re: Home Equity as part of your Net Worth?

Did a couple of searches but didn't see any past posts as to how much your home equity should ideally be as part of your overall net worth. Perhaps you were missing a keyword of " percentage / ratio home equity net worth " Common answers seem to fall between 10% and 30%. Unless the person...
by harikaried
Wed May 27, 2015 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3053

Re: Penfed 0.99% auto loan

Just to follow up, we received on Tuesday via USPS the one page loan paperwork (truth in lending disclosure / promissory note) to sign and return (no postage necessary). We also deposited the check with mobile deposit, and we'll handle it like we handle any additional cash/paycheck/bonus. Our monthl...
by harikaried
Tue May 26, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45690

Re: Schwab Intelligent Portfolios [now live]

how can I avoid having a commodity allocation in SIP? Here's a sheet with the various allocations: https://docs.google.com/spreadsheets/d/1APKgMzRAXjQqqV_ZyNk42SSU6gZx4b0sbWuBS6ulllI/edit?usp=sharing Equity Gold 94 0 85 3.1 77 4.7 69 5.8 65 5 61 5 54 5 45 4 37 2 28 1 21 1 12 0 Only the most aggress...
by harikaried
Mon May 25, 2015 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 and Arizona and Deleware
Replies: 10
Views: 806

Re: Fidelity 529 and Arizona and Deleware

Fidelity has 4 plans: New Hampshire, Arizona, Delaware, Massachusetts. They say the national one is New Hampshire. https://www.fidelity.com/529-plans/overview All 4 seem to have the same total expenses. There's some slight differences in maximums. We set ours up with the UNIQUE College Investing Pla...
by harikaried
Mon May 25, 2015 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Accounts Asset Allocation
Replies: 12
Views: 921

Re: Multiple Accouints Asset Allocation

4. In my Betterment account I would select 100% stock strategy to make sure I do not have any bond positions there 5. I would do the same in Wealthfront Do you have them automatically tax loss harvest? I believe both of them use VTI, VEA, VWO; so this might cause wash sales that are tricky to track...
by harikaried
Sun May 24, 2015 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 3221

Re: At what point does 529 make sense

We're done funding 529s for two future children where we put in half of some expected growth to cover future higher education expenses. We're expecting it to not be enough, but we can combine the 529s if one child doesn't need it. Part of this decision is from comparing downsides of overfunding vs u...
by harikaried
Sun May 24, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Current 0% effective APR leveraging opportunities
Replies: 1
Views: 481

Current 0% effective APR leveraging opportunities

Using No-fee 0% balance transfer (2008), free money (2010), cash advance (2012) and convenience checks (2014) seems to be done by some members here when there's $0 annual fee, $0 setup fee, 0% interest for a 0% effective APR. From various threads here, there seems to be regularly repeating offers fo...
by harikaried
Sat May 23, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Loans and credit lines with interest from 0% to 1%?
Replies: 5
Views: 771

Re: Loans and credit lines with interest from 0% to 1%?

After doing some more searching, it seems that some places do offer 0.99% introductory rates on HELOCs for the first 6-12 months. If we move our 2.625% ARM to the HELOC and pay it off not too long after the introductory rate expires, I suppose we could save at most some hundred dollars in interest t...
by harikaried
Fri May 22, 2015 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to go about paying down loans?
Replies: 8
Views: 834

Re: How to go about paying down loans?

I'm not quite sure how student loan refinancing works... But a $156k loan at 1.9% with 5 year term would be paid off in that time with monthly payments of $2727. Total interest paid $7.7k. Paying it off in the same 5 year period but at 6.8% would require monthly payments of $3074. Total interest pai...
by harikaried
Fri May 22, 2015 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to go about paying down loans?
Replies: 8
Views: 834

Re: How to go about paying down loans?

Should I just skip paying the interest off on the GREAT Lakes loans for several months and pay the entire Navient loan off ($5554.45) and be done with it? Just making sure, both sets of loans are at 6.8%? If so, paying down any of the loans should be equivalent, i.e., you're saving 6.8% interest on...
by harikaried
Fri May 22, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Loans and credit lines with interest from 0% to 1%?
Replies: 5
Views: 771

Re: Loans and credit lines with interest from 0% to 1%?

2.625% and 3.75% are still very low. I wouldn't pre-pay on either. Unless you're trying to pay down the ARM before it resets. We are paying it down before it adjusts in about 1.5 years. We also take the standard deduction, so no mortgage deduction. Why are you trying to borrow all this money at low...
by harikaried
Fri May 22, 2015 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Loans and credit lines with interest from 0% to 1%?
Replies: 5
Views: 771

Re: Loans and credit lines with interest from 0% to 1%?

I get junk mail from Chase Slate all the time about 0% balance transfers and 0% interest for 15-18 months Double check the fine print. We also only get these balance transfer checks from Chase, but they tend to have some fee for us. Either some dollar amount or 2-3%. I have seen truly no fee and 0%...
by harikaried
Fri May 22, 2015 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Am I crazy to have this asset allocation?
Replies: 21
Views: 3112

Re: Am I crazy to have this asset allocation?

Putting those numbers into Morningstar's Instant X-Ray tool: http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx It says the asset allocation is.. Asset Class Long% Short% Net% Cash 34 -22 11 U.S. Stocks 10 0 10 Foreign Stocks 43 -15 28 Bonds 60 -15 45 Other 10 -4 6 Total 157 -57 100...
by harikaried
Fri May 22, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Loans and credit lines with interest from 0% to 1%?
Replies: 5
Views: 771

Loans and credit lines with interest from 0% to 1%?

What types of loans or credit lines typically have very low interest rates? The ones I can think of: - credit cards are effectively 0% until the statement due date and paid in full - auto loans often are 0% or PenFed's current 0.99% 48-month - store cards have 0% APR promotions for up to 60 months u...
by harikaried
Thu May 21, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3053

Re: Penfed 0.99% auto loan

mikep, I called PenFed for you to ask about the deductible, and they said $1000 is fine and gave a phone number to double check with their 3rd party insurance verification service. That service said that PenFed determines the requirements, and PenFed actually changed their requirements about a year ...
by harikaried
Thu May 21, 2015 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3053

Re: Penfed 0.99% auto loan

I was told I'd have to change my deductible from 1000 to 500 I'm not sure if it's because we've had the loan with a $500 deductible for a year already, but given how quickly the person responded, it didn't seem like a huge deal. If you own your car outright, you can still take advantage of the deal...
by harikaried
Thu May 21, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3053

Re: Penfed 0.99% auto loan

mikep wrote:They require a $500 deductible
That's what it says on the letter to insurance that also requests putting PenFed as a lienholder. I called them to see if $1000 deductible was fine, and the person immediately said it was no problem.
by harikaried
Thu May 21, 2015 5:11 pm
Forum: Investing - Theory, News & General
Topic: Multiple Account Management
Replies: 30
Views: 1210

Re: Multiple Account Management

We have 9 accounts: brokerage, charitable, 2x 401k, 2x IRA, 2x 529, inherited IRA. We have 11 funds, so that's 1 fund in each account except 2 funds in each of the 401ks. One 401k has US/Bonds because there the Intl fund there is large-cap only. The other (self-employed) 401k is US/Intl.

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