Search found 315 matches

by confusedinvestor
Thu Feb 22, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Help invest an extra $5,000 per month
Replies: 19
Views: 2096

Re: Help invest an extra $5,000 per month

You can call Vanguard (maybe VPAS ?) ask this question, but, you may check Vanguard 20/80 LifeStrategy fund. https://investor.vanguard.com/mutual-funds/lifestrategy/#/mini/overview/0723 Typically, it is not not recommended to invest in Stock Market if your investment timeframe is 3-5 years. Do you w...
by confusedinvestor
Tue Feb 13, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

Hi Livesoft, Interesting business proposition. Well, I got carried away by Schwab's 'markerting fluff' of Auto TLH in Schwab's Robo (Intelligent Portfolio) > 50K account... I'm hoping the market to tank so my STC gains will reduce so i can liquidate w/o limited tax gain impacts and do correct asset ...
by confusedinvestor
Fri Feb 09, 2018 12:07 am
Forum: Investing - Theory, News & General
Topic: Passive Investing / Index Fund Bubble - ?
Replies: 4
Views: 702

Passive Investing / Index Fund Bubble - ?

Per CNBC and/or many other sources, they say current market drop may be due to passive investing bubble ? Is this another trick by Wall Street and/or Media ? How would BH feel about this? https://www.etftrends.com/is-there-a-passive-investing-bubble/ I'm staying the course with my 3 Fund P, keeping ...
by confusedinvestor
Thu Feb 08, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

Re: No Emergency Funds yet Major Car Emergency

Not yet, b/c, I am getting a AAA membership today before I can get my tow covered by AAA - My last toe was covered by Geico and they wont cover a 2nd tow, per policy I'll update everyone what my local mechanic says, thank you all for all the help! Have you had the car diagnosed by a local independan...
by confusedinvestor
Thu Feb 08, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

Re: No Emergency Funds yet Major Car Emergency

I have always took care of my car from the authorized mazda dealer and my last service was 8 weeks back and they said everything is ok, fluid levels, oil - muti point inspection passed, yet, how come my engine of 2011 80K died after driving 4 miles with solid yellow check-engine light with no prior ...
by confusedinvestor
Thu Feb 08, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

Re: No Emergency Funds yet Major Car Emergency

Watty, Thank you so much for your detailed thoughts and advises! My Mazda is 2011 with 84K Miles on it, and, I own it. 1.Do you know what is the difference of 'rebuilt' engine vs 'engine from a wrecked car' ? 2. After I install the "used" engine, beside smog re-test, is there any other 3rd party ind...
by confusedinvestor
Thu Feb 08, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

Re: No Emergency Funds yet Major Car Emergency

Thank you everyone for all your help. Updates, Facts: - My check-engine 'yellow' light never flashed nor showed Red indicating that engine is getting overheated to the point of complete failure - After my engine light came on, i drove approx 5-7 miles max before my car shutdown with engine out - My ...
by confusedinvestor
Wed Feb 07, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

Re: No Emergency Funds yet Major Car Emergency

I saw the engine light and in matter of 5 mins, my car went to a screeching stall and I had to call the cops as i was on unsafe position with my 7 yr old twins in the back seats. Sad situation. Does water pump goes out yet it doesnt show a warning light? Dealer is saying they found coolent mixed wit...
by confusedinvestor
Wed Feb 07, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

Re: No Emergency Funds yet Major Car Emergency

I have 80K miles,
What is lemon law communication ?
rgs92 wrote:
Wed Feb 07, 2018 12:18 pm
This sounds like a defective engine, even out of warranty, if it has less than, say, 60K miles. Even if you pay it, I would try some lemon-law communication to Mazda or others.
by confusedinvestor
Wed Feb 07, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

Re: No Emergency Funds yet Major Car Emergency

Great advise, let me call the local shop now...thank you!
ps: Glad I reached out to my BH Support group for help....
ps: Now, I know the point of 3 month of EF.
Watty wrote:
Wed Feb 07, 2018 11:29 am
One other thought, if you call the other shop they can likely arrange to have it towed for a lower cost than you can.
by confusedinvestor
Wed Feb 07, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

Re: No Emergency Funds yet Major Car Emergency

Thank you! this helps. Given my brand new factory installed engine went out in 7 yrs, i'd take risk with used engine with local shop. Local shop will give warranty for 6 months. I think I have a Bank of America Travel Rewards Credit Card which offers 0% interest for 12 months, I may use that... Than...
by confusedinvestor
Wed Feb 07, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3010

No Emergency Funds yet Major Car Emergency

Hello Folks, Need some help please. I have no Emergency Funds and now have a Car emergency. My 2011 Mazda CX-9 broke down yesterday and the dealer said my Engine is out (due to undecteded water pump leak ?, normal wear and tear of water pump and coolent leaked and blew out my engine) and now it will...
by confusedinvestor
Mon Feb 05, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: NextAdvisor - Anyone using this? $10/month
Replies: 4
Views: 512

Re: NextAdvisor - Anyone using this? $10/month

Yes, I do use that Schwab feature but it doesnt show my AA (Stock vs Bonds) nor any Tax Locations - It just tracks the overall Networth Schwab has a new feature that allows you to link non-Schwab accounts to your Schwab account and see all your financial holdings in one place. I don't know if Vangua...
by confusedinvestor
Mon Feb 05, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: NextAdvisor - Anyone using this? $10/month
Replies: 4
Views: 512

NextAdvisor - Anyone using this? $10/month

Hello Folks, Is it worth paying $10/month using NetAdvisor to link all external accounts (His/Her 401ks, Roths, Taxables, HSAs) to track entire portfolio and/or goals with tax insights ? https://www.nextcapital.com/#/track They have both free and premium service (10$/month) I currently use Personal ...
by confusedinvestor
Fri Jan 26, 2018 2:18 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6041

Re: Your bond allocation when you were 48

Age - 25
My Age: 43, so 80:20 now.
retire by 57: 60:40 until death - then step by basis for my kids
by confusedinvestor
Fri Jan 26, 2018 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2583

Re: Recommendation from a Fee Only Advisor

Thank you Livesoft. Just sharing - this is a good article. https://www.kitces.com/blog/risk-composure-stability-risk-perception-predicting-investor-behavior-biases/#disqus_thread Last year, I paid 2 advisers to run same Risklyze for my wife so she has better understanding of risk aversion most impor...
by confusedinvestor
Thu Jan 25, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17533

Re: My boneheaded financial mistakes

Given this comment, I am thinking now if I made a mistake of Choosing Schwab vs Vanguard a year back for my Taxable Brokerage? In Schwab, I do invest now only with Schwab 3 Funds portfolio but, I do get commission free Vanguard mutual funds investor class shares. open TD ATrade and Scott T to get si...
by confusedinvestor
Thu Jan 25, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17533

Re: My boneheaded financial mistakes

Which Robo do you use? Just Curious. I use Schwab. I worte in my IPS to use Schwab Robo for Auto TLH but expect to under perform 3 Fund over long run, but, it stick to it. No TLH in Schwab for last 1 yr, i guess b/c market keeps going up ? - Investing in Robo Advisors in Taxable Accounts Why is this...
by confusedinvestor
Thu Jan 25, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17533

Re: My boneheaded financial mistakes

+1 Probably my biggest mistakes was the fear of making a mistake...........sorta like.....paralysis by analysis. :| I was a perfectionist......(not so much anymore) but that condition can be a serious impediment to learning. Eventually, I started to push myself on certain issues. Yep....made a few b...
by confusedinvestor
Thu Jan 25, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17533

Re: My boneheaded financial mistakes

Yes, spoke with VPS, I think 0.30 for 50K is high, given all they offer is typical 3 Fund + BNDX I do use Schwab SIA - .28 on 25K (half the price of VPS) with unlimited CFP calls and access to MoneyGuidePro - but, I plan on dropping it once I'm financially educated...thanks to this forum and folks l...
by confusedinvestor
Thu Jan 25, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17533

Re: My boneheaded financial mistakes

My Mistakes: - Joined this Forum 2012, yet, not finished reading our WiKi until 2017 - Rushed Buying a House in 5 days after moving to a new city with little kids - Not contributing to 401K as I never asked what a 401K is during employee orientation - Loss of 5 yrs of employer match of 6K - Rolled o...
by confusedinvestor
Thu Jan 25, 2018 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2583

Re: Recommendation from a Fee Only Advisor

Thank you. Do you have recommendations how one can avoid/correct such 'combination' of behavioral errors pointed out in our wiki? Do you think if one can precisely calculate his risk tolerance he will be insured from Risk Aversion behavioral pitfall ? The biggest behavioral error is Loss Aversion. S...
by confusedinvestor
Wed Jan 24, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2583

Re: Recommendation from a Fee Only Advisor

Livesoft, What are behavioral errors you suggest we should all avoid ? Here is few of my few behavioral issues I plan on addressing this year: -- not investing yet saving -- not staying the course -- not gliding risk as I age -- not creating a goal plan yet investing -- not knowing my need/ability/w...
by confusedinvestor
Wed Jan 24, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2583

Re: Recommendation from a Fee Only Advisor

My adviser suggests 2 Fund Portfolio this:

VT 70
TIPS 30
by confusedinvestor
Mon Jan 22, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

6% cash is part of Fixed income allocation and is considered a 0 yr duration bond, only drag would be 2-8 bps if we compare with short term bond (not compare cash drag with 100% stocks) and Schwab gives 15 - 25 bps interest on that cash. Cash drag is overblown. this was thoroughly backtested in this...
by confusedinvestor
Sun Jan 21, 2018 11:16 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

1.1 with 6K/year ($500/month investments to encourage savings) which was $65/yr in fees. But I may not use her anymore as she has to increase her fees b/c she cant trade commission-free VT anyone in TD. She does hourly consultation $150/hr and she is a CFA+CFP. Also lot of Bogleheads dont like Finan...
by confusedinvestor
Sun Jan 21, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

The lions share of my investments are in 401k accounts where I use low cost ETFs similar to a 4 fund portfolio. My Wealthfront account is small so I'm not charged a fee. I keep my small amount of taxable in WF and make monthly contributions. I'm not sure why so many bogleheads are anti-robo. It's a...
by confusedinvestor
Sun Jan 21, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

I do find the independent Robo Report (https://theroboreport.com/ - you have to subscribe to get a copy) interesting and this independent firm shows since 2015 Schwab SIP offered better risk adjusted returns after net fees + ER vs Betterment, Vanguard is distant... ER of my SIP is .19; cash-allocati...
by confusedinvestor
Sun Jan 21, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

Thank you. My SIP Activity has No Sales for last 9 months since April 2017, so i guess no TLH, except under-performance from 3 Fund and more taxes b/c of REITS/Commodities etc.... Why do you guys choose Robo where Robos are more expensive vs 3 Fund ? I bought into their marking of "Auto" TLH as i am...
by confusedinvestor
Sun Jan 21, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

Hi, How do you know that your WF account did ? I cant tell from my Schwab Robo and one one in Schwab can explain how much (IF ANY) was harvested last year or this year. Looks like I am impacted by Schwab's marketing gimic of Auto TLH and paying high Robo ER with REITS/Commodities in Taxable. Sad. US...
by confusedinvestor
Sat Jan 20, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

Hi Narullah,

Can you advise what did your CPA said about 'reality' of TLH for Robo?
nasrullah wrote:
Sat Jan 20, 2018 5:30 pm
My Wealthfront account and TLH has generated losses for me over the past couple of years. I was more excited about it until filing taxes and my CPA explained the reality to me.

by confusedinvestor
Sat Jan 20, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

Are you happy with SIP and it's under performance vs 3 Fund ?
How do anyone know that SIP actually saved you on Taxes via it's Auto TLH ?
JFP_SF wrote:
Sat Jan 20, 2018 4:47 pm
I use SIP, but I had no losses to harvest. Nor did I on the funds I invest myself. It's a tough problem :D
by confusedinvestor
Sat Jan 20, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3416

Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

Hi, Today, I invest in Schwab Intelligent Portfolio (SIP) [85% Stock, 9% Fixed, 6% Cash] b/c my independent advisor suggested with use SIP for Automated Tax Loss Harvesting which he said is a good value of typical Robo Advisors. Question: Does anyone have seen any real results with TLH savings from ...
by confusedinvestor
Thu Jan 18, 2018 2:59 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7572

$399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Hi, 1. Has anyone taken this new $399 course ' Fire your Financial Advisor' by WhiteCoat Investor (line below) ? If yes, is the course worth the value $399? https://www.whitecoatinvestor.com/fire-your-financial-advisor-the-wci-online-course/ 2. Are there any similar 'paid' courses such as this besid...
by confusedinvestor
Fri Dec 22, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to Tax Loss Harvest on Wife ESPP Shares ?
Replies: 1
Views: 181

How to Tax Loss Harvest on Wife ESPP Shares ?

Folks, I need some help with Tax Loss Harvesting for my DW ESPP shares. Here is the info from ETrade: Grant Date: Dec 01 2016 Purchase price: $9 Quantity: 350 Discount % = 15% Grant Date FMV = $11 Purchase Date FMV = $13 Plan = Qualified Contribution = Employee Salary Expected Ordinate Income = $3 C...
by confusedinvestor
Thu Dec 07, 2017 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Anyone mirror AA acorss multiple accounts ?
Replies: 23
Views: 1718

Re: Anyone mirror AA acorss multiple accounts ?

Livesoft, All, thank you for your suggestions. I have started reading the book Bogleheads Guide to Investing. Me (42) and DW (42) and we have all these accounts b/c we made mistakes of making it complex sadly. However, our goal is taxable right now is to draw if I cant work until 59.5, given my heal...
by confusedinvestor
Thu Dec 07, 2017 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Anyone mirror AA acorss multiple accounts ?
Replies: 23
Views: 1718

Re: Anyone mirror AA acorss multiple accounts ?

Thank you renue74 . I've private messaged you if you dont mind sharing a no-personal-data copy of your Google sheet. I'll really appreciate that. My wife old 401K was with TRPrice but moved the $ to her current 401k so we have to see if we can still access it for X-ray access. I'm not sure mirroring...
by confusedinvestor
Wed Dec 06, 2017 1:19 am
Forum: Investing - Help with Personal Investments
Topic: Anyone mirror AA acorss multiple accounts ?
Replies: 23
Views: 1718

Anyone mirror AA acorss multiple accounts ?

Is anyone mirror AA across multiple accounts and let get go some tax efficiency for easier re-balancing when you have 2 401Ks, 2 Roths, 2 Taxables, 1 Robo ( for automate TLH) ? What is the best way to ballpark calculate how much I'm loosing in taxes/yrs for placing CA-Muni + TIPS in Taxable beside T...
by confusedinvestor
Tue Jun 13, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plans
Replies: 10
Views: 1629

Re: Schwab 529 Plans

Curious - What accounts do you have in Schwab? and What account you are planning on moving from Vanguard to Schwab? Asking b/c I am in the same boat. You can ask your local Schwab branch to waive all commsions on all Vanguard funds but admiral shares are not available sometimes.... and another downs...
by confusedinvestor
Mon Jun 12, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plans
Replies: 10
Views: 1629

Re: Schwab 529 Plans

I have lot of Schwab accounts - DIY, SIA, SIP I think SChwab has own Schwab ETFs for free commision but Fidelity has iShares ETF for free commision, No Fidelity own ETFs Thanks very helpful information and in line with what I was guessing. I would not use their actively managed option but instead wo...
by confusedinvestor
Sun Jun 11, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 845

Re: Schwab SIP

I'd be curious to know what PC website/app would say on Schwab 3Fund vs Vanguard 3Fund ER for investor shares (not admiral).... Wellington, Wessesly is active and SIP is passive. Schwab claims they put Gold, Junk in Taxable b/c of assest class diversification and take more risk in Fixed side b/c the...
by confusedinvestor
Sun Jun 11, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 845

Re: Schwab SIP

Why would anyone hold VWELX - Vanguard Wellington Fund Investor Shares which has ER 0.25 ER vs SIP IP 7 which is same AA 65:35 which has less ER 0.18 wighted which can include MUNIs and auth TLH ?
by confusedinvestor
Sun Jun 11, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much Life Insurance or Disability Insurance you have?
Replies: 8
Views: 791

Re: How much Life Insurance or Disability Insurance you have?

thanks you! so the schwab calculator is not taking in account of SS, thank you. Initially enough to pay off mortgage, college for child and x number of years for living expenses for survivors, assuming spouse would take some time off from working. Add up your liabilities subtract assets, subtract so...
by confusedinvestor
Sun Jun 11, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: How much Life Insurance or Disability Insurance you have?
Replies: 8
Views: 791

Re: How much Life Insurance or Disability Insurance you have?

Thanks you for the information. I'm 41 and I am paying $70/month for 1 M LI, and now I have to pay extra $50/m for just another 300K LI coverage. DI is very high - Would you mind sharing or PM me please your DI agent info? How do you re-negotiate even ? Life insurance is a 20 year Term . Me - 3 mil ...
by confusedinvestor
Sun Jun 11, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plans
Replies: 10
Views: 1629

Re: Schwab 529 Plans

thanks you. so Customized is .03 more expensive vs Index age for UESP Fees which is $90/year for my 300K with UESP now, beside undelying fund expenses...not bad.... oh my god, I didnot know I was paying extra ER for a customized based plan vs Index plan in Uath 529 How do I find out how much extra a...
by confusedinvestor
Sun Jun 11, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: How much Life Insurance or Disability Insurance you have?
Replies: 8
Views: 791

How much Life Insurance or Disability Insurance you have?

1. How much Life Insurance do you have or suggest ? Term Life? 2. How much Disability Insurance do you have or suggest ? 3. Does Vanguard help with Life Insurances like Schwab ? My financial advisor told me we are under-insured so I am trying to figure out how much extra I need, I dont want to up-bu...
by confusedinvestor
Sun Jun 11, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Schwab SIP
Replies: 8
Views: 845

Re: Schwab SIP

I have 55K in SIP for 85:15 AA and I am yet to find out what is the true cost value of auto THL. You can get a SIP 60:40 with either CA or National Muni, if you want. Are you sure it costs 0.2 after your calculate the "weighted" avg? You can call Schwab and they can send you internal performance dat...
by confusedinvestor
Sun Jun 11, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Schwab 529 Plans
Replies: 10
Views: 1629

Re: Schwab 529 Plans

oh my god, I didnot know I was paying extra ER for a customized based plan vs Index plan in Uath 529 How do I find out how much extra am i paying customized vs index plan at Utah ? they are closed now, but I can call on Monday. I heard NY is better vs Uath as NY is cheaper vs Utah. As I live in CA, ...
by confusedinvestor
Thu Jun 08, 2017 12:40 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 10909

Re: 100% Stock Portfolio?

and then 1908 ?
Avo wrote:The reason most of us don't do this at age 40 is that we want to retire at age 65, and we worry that it might be 1907 ...
by confusedinvestor
Wed Jun 07, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with choosing Financial Planning / Investment Firm
Replies: 15
Views: 1441

Re: Help with choosing Financial Planning / Investment Firm

You may want to try http://www.xyplanningnetwork.com/ I'd look for the cheapest CFA national wide. I'm in So CAL and after taking to 30 advisors, I recently hired 2 Advisors as I dont know which Advisor would work out in long term... Hi All, Looking for input on Financial Planner / Investment Manage...