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Re: Schwab Intelligent Portfolios [now live]

Does it really matter to have a lot of small % in various stock funds ? And then, how much is to low to actually make a difference ? 2%, 5% ?? That's an interesting question that one could also ask of a Total US index as well. E.g., VTI's largest holding is AAPL at 3.24%. Next is XOM at 1.61%, MSFT...
by harikaried
Sat Mar 28, 2015 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

Schwab only purchases fractional ETF shares as part of dividend reinvestment. In SIP, I'm not sure whether ETF dividends are automatically reinvested, or simply added to the cash allocation. Looking at the positions view of the regular schwab.com website but for the SIP account, all ETFs are set to...
by harikaried
Sat Mar 28, 2015 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

I was checking out Wealthfront's blog about their new direct indexing Wealthfront 100, and I noticed a separate blog about how Wealthfront has no minimums for TLH now. https://blog.wealthfront.com/tax-loss-harvesting-for-everyone/ I would assume this is in direct response to Schwab Intelligent Portf...
by harikaried
Sat Mar 28, 2015 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Introducing the Next Level of Direct Indexing: The Wealt

Then, through an unexplained magic, you get better performance than TSM, at only four times the expense ratio. At a conceptual level, do you agree that splitting a collection of differently moving stocks would provide for more opportunities to TLH? Instead of having a "smoothed" out aggre...
by harikaried
Sat Mar 28, 2015 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Introducing the Next Level of Direct Indexing: The Wealthfro
Replies: 16
Views: 1816

Re: Apply For HELOC as Emergency Funds???

My wife and I have a HELOC for this very purpose - to supplement our emergency savings. Our HELOC had no origination fees, no annual fees, no zero-balance fees. No fees whatsoever. We paid nothing and will pay nothing so long as we don't use the HELOC account. This was our use and experience as wel...
by harikaried
Sat Mar 28, 2015 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Apply For HELOC as Emergency Funds???
Replies: 17
Views: 1030

Re: Change W-4 after paying off mortgage

An allowance on the W-4 is not equivalent to a personal or dependent exemption amount of $4,000. For 2014 tax year, if a single person had $60k income or $5k/mo and $12k in itemized deductions, the total tax owed is $6,875. If instead the itemized deduction was $4k less for $8k, the total tax owed ...
by harikaried
Sat Mar 28, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change W-4 after paying off mortgage
Replies: 11
Views: 829

Re: Change W-4 after paying off mortgage

I opened my (already filed) 2014 tax return in my tax software, and reduced my 1098 mortgage interest to about zero... The result was about $1100 more owed in federal taxes. How do I translate that into W-4 allowances (I currently have it set to 4)? I believe each allowance is effectively a persona...
by harikaried
Sat Mar 28, 2015 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Change W-4 after paying off mortgage
Replies: 11
Views: 829

Re: Schwab Intelligent Portfolios [now live]

Just to test out their rebalancing, I added $1k to the account earlier this week, which resulted in a cash amount of 7.40%. This did not trigger a rebalancing the next day. I then added another $1k, which pushed cash to 8.97%, so it exceeded the 2% threshold above the 6% cash target. The account was...
by harikaried
Fri Mar 27, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: My 30-day trial experience with Betterment

So it turns out that Betterment's TLH algorithm is a lot more complex than I originally thought. It has continued to harvest losses in developed and emerging markets multiple times without waiting for the 30-day wash sale period to pass. Indeed, they go into various details of tertiary ETFs. I talk...
by harikaried
Mon Mar 23, 2015 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 84
Views: 13209

Re: Restaurant tipping

Most of the suggested tip calculators on receipts don't consider tax in their numbers either. I was surprised by this since it would be an easy way to boost $$ if someone relied on that calculation. Suggested tips printed by the POS tends to be based on the subtotal. Suggested tips from the credit ...
by harikaried
Mon Mar 23, 2015 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 190
Views: 10651

Re: Google voice

I recently routed the text for the Vanguard 2-factor verification to google voice. Probably not with Vanguard, but has anyone else run into issues where automated systems can't text a Google Voice number? I don't remember offhand, but I feel like I had to use a different number at some point for so...
by harikaried
Mon Mar 23, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4323

Re: Better late than never!

Rearranging your numbers to show how much money is in each of your accounts: Taxable: 24.06% 401k: 1.01% Roth 401k: 1.01% Old 401k: 20.19% Old Roth 401k: 40.38% Fidelity IRA: 3.06% Fidelity Roth: 6.38% TRP Roth: 3.91% You can consolidate those: Taxable: 24.06% 401k: 1.01% Roth 401k: 1.01% IRA: 23.25...
by harikaried
Mon Mar 23, 2015 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Better late than never!
Replies: 3
Views: 1025

Re: Schwab Intelligent Portfolios [now live]

Betterment put up a comparison of their offering with SIP: https://www.betterment.com/schwab-intelligent-portfolios/ Interestingly, they list the cash drag at 0.38% to 0.57% for 6% - 30% cash allocation. They're pretty reasonable in that they calculate the 6% cash drag with 6.38% annual returns whil...
by harikaried
Sun Mar 22, 2015 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: What won't you pay with Credit Card?

-Gas stations that charge more for using credit Today, Costco gas is $2.81 while Valero is $2.83. With 2% a cash back AmEx, the effective price is $2.75. On a 15 gallon refuel, that's just barely over $1, so using credit saves a little. At the same Valero, the credit price is $2.89, and our 5% cash...
by harikaried
Sun Mar 22, 2015 10:11 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8275

Re: Does it make sense to pay off this mortgage?

We have about $30k of retirement space available (pretax 401k/403b + ROTH). I count ($18k + $5.5k) * 2 = $47k in retirement space each year, and you're using $16.9k of it or 36%. The $12k extra principal in pre-tax dollars (towards 401k/403b) would be $16k in the 25% tax bracket. If you did that, y...
by harikaried
Sun Mar 22, 2015 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to pay off this mortgage?
Replies: 24
Views: 2105

Re: How do you invest your taxable account?

I disagree with most of these replies. Putting stocks into taxable accounts is like locating your chicken coop next to a den of foxes (the IRS) and then planting your veggies in a fenced area (IRS-protected space). You are better off planting your veggies next to the foxes and protecting your egg-l...
by harikaried
Sun Mar 22, 2015 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5816

Re: Regular contributions to taxable

This will quickly make me unbalanced, so in my tax-advantaged accounts, I set up an automated exchange to move the excess funds from TSM and TISM to bonds. This keeps my overall balance correct. How unbalanced do you allow the accounts to get from market fluctuations? We used to try to keep all the...
by harikaried
Sun Mar 22, 2015 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular contributions to taxable
Replies: 10
Views: 1259

Re: Manufactured Spending - Good Idea / Bad Idea?

1. Unless you have a mortgage / refi application coming up, probably your credit score will be OK. I'm guessing you're thinking of churning through credit card sign up bonuses where applying and opening new accounts impact credit scores in multiple ways. For manufactured spending, the main credit i...
by harikaried
Sun Mar 22, 2015 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 48
Views: 3956

Re: Manufactured Spending - Good Idea / Bad Idea?

mortgage+extra principal payments To give some context, if we aim to pay off our remaining $70k mortgage @ 2.625% in the next 24 months, we would make payments of $3k/mo. The total payment would be roughly $72k with $2k interest for the remainder of the mortgage. We would get 2% cashback on the $72...
by harikaried
Sun Mar 22, 2015 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 48
Views: 3956

Re: Manufactured Spending - Good Idea / Bad Idea?

We do have a Softcard Serve prepaid card. We've used it from time to time to pay with NFC, but it's not as convenient as just swiping a card. We did load it up to the $1500 max and made auto loan and mortgage+extra principal payments. Not sure if you consider those as manufactured spending, but we d...
by harikaried
Sun Mar 22, 2015 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 48
Views: 3956

Re: My 30-day trial experience with Betterment

The dates of all the harvests so far are 9/22, 9/25, 10/1, 10/3, 10/9, 10/10, 10/13, 10/14, 10/15, 12/8, 12/15, and this year 3/11. Looking at the changes between those dates on a rough US equity and Intl equity approximation.. 9/22-9/25: VTI -1.87%, VXUS -2.25% 9/25-10/1: VTI -1.15%, VXUS -1.95% 1...
by harikaried
Sun Mar 22, 2015 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 84
Views: 13209

Re: And then there were three....

Fidelity Freedom 2040 Fund The funds you listed have expense ratios of 0.78%, 0.78%, 0.71%. Use Fidelity's Index version instead: https://fundresearch.fidelity.com/mutual-funds/summary/315793885 FBIFX Fidelity Freedom® Index 2040 Fund Exp Ratio (Net) 0.16% I've had great service with Fidelity onlin...
by harikaried
Sun Mar 22, 2015 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: And then there were three....
Replies: 6
Views: 913

Re: Splitting a Food Tab on a Combined Birthday Lunch

Pretend there there were 2 separate lunches of $10.50 each instead of a combined one of $21. Matthew's lunch: Matthew: $0 Mark: $10.50 (own) + $3.50 Luke: $10.50 + $3.50 John: $10.50 + $3.50 Total: $42.00 Mark's lunch: Matthew: $10.50 + $3.50 Mark: $0 Luke: $10.50 + $3.50 John: $10.50 + $3.50 Total:...
by harikaried
Sat Mar 21, 2015 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3692

Re: Restaurant Tipping, No Waiter/Waitress

$1 or 10% (whichever is more) if its a casual place (no waiter) or a place thats not a chain fast food that I frequent Same as above for takeout ($1 or ~10%), esp if its a restaurant. This is exactly our approach although we add extra cents so the total is a whole dollar. Basically we treat pay-fir...
by harikaried
Sat Mar 21, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant Tipping, No Waiter/Waitress
Replies: 18
Views: 2779

Re: Restaurant tipping

Not too long ago 15% was considered a standard tip for standard quality service, now it seems that 20+% is considered standard. Where does this "standard" come from? Does a wait staff comment? Or a friend comments on your tip amount? Maybe our friends are outdated, but in groups of 6 or f...
by harikaried
Sat Mar 21, 2015 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 190
Views: 10651

Re: Math majors needed in here for loan interest rates thoug

While I wouldn't take out a 2-5% loan on a car in attempts of earning 9% in the market, I would take a 0% loan so that I wouldn't trigger capital gains. We did get a 36-mo 0.99% auto loan for about $30k are choosing not to pay it down any faster. We calculated that the total interest over the 3 year...
by harikaried
Sat Mar 21, 2015 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math majors needed in here for loan interest rates thoughts
Replies: 36
Views: 2086

Re: Schwab Intelligent Portfolios [now live]

SFLNX ( the mutual fund version of fundamental large cap) has been around for like 8 years, has 5 BILLION dollars in assets, and still has an ER of .35%. These aren't exact matches of Schwab ETFs and mutual funds, but typically the ETFs are about half the expense ratio of the mutual fund. US Total:...
by harikaried
Sat Mar 21, 2015 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Math majors needed in here for loan interest rates thoug

2) get a $40k loan. (updide here is that this will cost you less in the long run, because the interest on a loan will be between 2-5%, which is less than the 9% I'd gain keeping the money in stocks) B) get the longest possible term loan, 72+ months. (benefit here is you get to keep more dollars per...
by harikaried
Sat Mar 21, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math majors needed in here for loan interest rates thoughts
Replies: 36
Views: 2086

Re: Math majors needed in here for loan interest rates thoug

shouldn't be a difficult argument to make that a 85% stock portfolio composed of mostly US stocks and some intl will gain maybe around 9%. Maybe 8%. Maybe 0. Maybe 25. I never once hinted in my post that 9% is guaranteed but you should be able to understand what I'm saying. Any reason why you didn'...
by harikaried
Sat Mar 21, 2015 4:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Math majors needed in here for loan interest rates thoughts
Replies: 36
Views: 2086

Re: Schwab Intelligent Portfolios [now live]

What I don't get is if you buy into the idea that fundamental indexing is sueprior - why do they use the cap weighted indexes too in SIP? Because they perform differently ... http://www.russell.com/documents/indexes/research/passive-fundamental-index-investing.pdf Thanks. Looks like they compare va...
by harikaried
Fri Mar 20, 2015 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

What is the benefit to Schwab Intelligent Portfolio vs simply investing in a Vanguard LifeStrategy fund that matches my target allocation? The LifeStrategy and target date funds are similar to some of what robo-advisors provide in that you just put money in and you're set for a diversified, low cos...
by harikaried
Fri Mar 20, 2015 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

I am retired and want income for expenses from my SIP. Will the SIP generate a monthly paycheck and put the money into my checking account? Thanks Playing around with their Add/Withdraw Money interface, it looks like you can only set recurring transfers into the SIP account (from other Schwab accou...
by harikaried
Thu Mar 19, 2015 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: master bath remodel: return on investment?

wilked wrote:A good first order estimate is to recover 50%. Given 4 years of use, then, only you can judge if the $350/month usage cost is worth it to you.
Converting that to a per day cost... ~$10/day. Would you spend $10/day to keep your wife happy? :)
by harikaried
Wed Mar 18, 2015 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2819

Re: job offer, 2x salary

If you'll be making twice as much, maybe you can retire in half the time. This has been mentioned a couple times, but doesn't the time-to-retire depend on savings rates? E.g., if one saved 20% of original salary towards retirement each year, a doubled salary would be an extra 100% salary of savings...
by harikaried
Wed Mar 18, 2015 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4810

Re: Schwab Intelligent Portfolios [now live]

Do I like heavy usage of fundamental indexes over Betterment's lower cost fund selection? Right. The total fees among the various robo advisors are similar. Schwab costs us 0.23%. Betterment's blended ER is around 0.11%, and combined with their 0.15% advisor fee gives a total of 0.26%. Similarly, W...
by harikaried
Wed Mar 18, 2015 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

That is including ERS or total cost. So the actual cash drag in that table is 0.05% to 0.26%. Please feel free to correct me if I am reading that table wrong, as obviously I am doing that with do. Well, clearly a point of clarification, I'm reading the cash drag as 0.28-0.38%. Perhaps the poster ca...
by harikaried
Wed Mar 18, 2015 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Poll: When to pay down debt rather than invest

For those who answered > 0% - would you say the same to paying down existing debt vs. taking out additional debt? i.e. if you are holding on to your mortgage in order to invest, are you also doing cash-out-refi's to get more low interest money to invest? We got a 0.99% car loan last year even thoug...
by harikaried
Mon Mar 16, 2015 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When to pay down debt rather than invest
Replies: 49
Views: 3904

Re: Schwab Intelligent Portfolios [now live]

- Re: the Cash cost. Holding cash at Schwab vs the ER at Betterment/Wealthfront is cheaper if the interest difference in what Schwab offers for cash vs what you can get elsewhere (MM, ST bond, Muni) is <2.5% for 6% cash allocation (Betterment) and <4.16% for Wealthfront. See the GoogleDoc for other...
by harikaried
Mon Mar 16, 2015 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

And the nice aspect of automation is that one doesn't need to manually check each of these 10+ asset classes every day. Lots of people have the misconception that things move so much that one needs to check every day. * * The news media is quite cooperative in pointing out days that one may wish to...
by harikaried
Mon Mar 16, 2015 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

https://docs.google.com/spreadsheets/d/1md7lYcPQSuKk74R6UAC7rLb85BbVmzf7zjqNP4nWj80/edit?usp=sharing Here is a Google Docs that I created that lists all of the ETFs used by Schwab IP, Betterment and Wealthfront. I also included ERs, bid-ask spread, "secondary" ETFs, and the blended ER and...
by harikaried
Mon Mar 16, 2015 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

As far as I understand (And please correct me if I am wrong) - these all rebalance with new money - as long as it is not too frequent - like once or twice a month - I do not see how it is that much easier or simple than a 2-3 fund solution with VG mutual funds. In addition, the auto TLH (per anothe...
by harikaried
Mon Mar 16, 2015 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

Good posts so far. I may have missed it, but has anyone taken an Intelligent Portfolio and back tested it. I think it would be interesting to see how a suggested portfolio would have actually performed historically. Meb Faber recently wrote about the introduction of Schwab Intelligent Portfolio in ...
by harikaried
Sun Mar 15, 2015 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Retiring to California. Keep 401k money pre-tax?

Here is some background on the portfolio: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=160513 The bigger question might be where in California are they looking to move? In the other thread, you said a planned $24k/year expenses. Was that for their current low/fixed rent? If moving to sa...
by harikaried
Sun Mar 15, 2015 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring to California. Keep 401k money pre-tax?
Replies: 21
Views: 1337

Re: New Credit Card for Home Improvements

In both 2013 and 2014, Discover Card's 5% cash-back category for Q2/April-June included home improvement. However, their rewards calendar's images seem to indicate Q3 is the time for home improvement cash back in 2015: https://www.discover.com/credit-cards/cashback-bonus/cashback-calendar.html For 2...
by harikaried
Sun Mar 15, 2015 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Credit Card for Home Improvements
Replies: 3
Views: 443

Re: Schwab Intelligent Portfolios [now live]

With Betterment: I have 100,000 * 1.05 = $105,000 less $157.50 (15 bps) fee = 104,842.50 With Schwab: 94,000 invested * 1.05 = $98,700 + $6000 cash x 1.001 = 6,006 = $104,706.00 With Wealthfront: 105,000 less $262.50 (25 bps fee) = $104,737.60 How much cash do you have outside in your checking or s...
by harikaried
Sat Mar 14, 2015 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

But the main market for SIP is unsophisticated investors -- people who don't know what opportunity cost is, don't like to do math, don't want to think about their investments at all. They just want to trust someone to do it fairly. I would think there's quite a few people who just hold cash in thei...
by harikaried
Sat Mar 14, 2015 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: 25YO Newlyweds -- Too Much Cash?

3. Parents recently informed me I have a taxable account they are custodians of. Turns out it is valued at about $30k, yielding dividends of just shy of $1k annually. It is invested in only a couple S&P 500 companies. My estimates are we will be right at the 15/25% tax bracket threshold, depend...
by harikaried
Sat Mar 14, 2015 3:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 25YO Newlyweds -- Too Much Cash?
Replies: 10
Views: 1737

Re: Schwab Intelligent Portfolios [now live]

And yes, I would rather pay a set fee that I know up front or an Expense Ratio rather than having a percentage of my holdings basically in a dead hole. The cash portion in SIP earns us more interest than what the cash would have earned in our checking account, so not only is SIP no fee, we basicall...
by harikaried
Sat Mar 14, 2015 2:54 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Schwab Intelligent Portfolios [now live]

Should there be concerns of people/machines trading around that time to take advantage of this pattern and volume? Here's a response from a chat: "We use time weighted average price - to make sure there's no lop sided trades, and there's actual traders managing the trades, not just dumping a l...
by harikaried
Thu Mar 12, 2015 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 271
Views: 19768

Re: Dip? What Dip? Did you catch it?

Not only did we buy at the bottom of the dip, we sold just before the drop! What fortunate accidental timing. ;) We sold an equity index mutual fund on Monday, transferred the money to our Schwab Intelligent Portfolio account on Tuesday, and SIP bought ETFs on Wednesday. So far this robo-advisor is ...
by harikaried
Thu Mar 12, 2015 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10467
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