Search found 216 matches

by whereskyle
Mon Apr 06, 2020 1:00 pm
Forum: Personal Investments
Topic: Holding Factor Funds - Turnover through factor change?
Replies: 4
Views: 124

Re: Holding Factor Funds - Turnover through factor change?

maybe I need to get serious about selling all of my factor funds and buying into total-market funds to make sure that I indeed remain a buy-and-hold investor." whereskyle: I agree that you "need to get serious" about selling your factor funds and, instead, buy into total-market index funds. The cur...
by whereskyle
Mon Apr 06, 2020 11:44 am
Forum: Personal Investments
Topic: New investment: VGT vs IGM vs QQQ
Replies: 52
Views: 1707

Re: New investment: VGT vs IGM vs QQQ

I may take advantage of rally today to sell DFA to be honest. VIOV May be better choice in taxable. QQQ not horrible at .2, so I could see making argument to have it for simplicity and lower risk relative to smaller and midsize companies in the index. Thanks, always good advice I can’t hear enough ...
by whereskyle
Mon Apr 06, 2020 11:28 am
Forum: Personal Investments
Topic: New investment: VGT vs IGM vs QQQ
Replies: 52
Views: 1707

Re: New investment: VGT vs IGM vs QQQ

Give me that argument on here, I find it odd that people favor DFA funds. I have DFA small value and it’s fees are very high relative to other small value funds. But I’m owning it in my 401k based on reputation. Perhaps I should reconsider I have purchased funds based on reputation in the past. The...
by whereskyle
Mon Apr 06, 2020 11:17 am
Forum: Personal Investments
Topic: New investment: VGT vs IGM vs QQQ
Replies: 52
Views: 1707

Re: New investment: VGT vs IGM vs QQQ

You like it over QQQ just because of cost or mostly due to holdings ? The longer I've held VGT and VUG, the longer I've liked them for both reasons. The sum of my current view: I pay less $ to own more companies than in QQQ while holding the most impactful leaders at comparable weights to QQQ. Sinc...
by whereskyle
Mon Apr 06, 2020 11:00 am
Forum: Personal Investments
Topic: Holding Factor Funds - Turnover through factor change?
Replies: 4
Views: 124

Holding Factor Funds - Turnover through factor change?

Hello all, I am invested in some factor funds, and I'm concerned about what companies they will hold in the future. I started investing with the betterment portfolio, which holds three U.S.-value ETFs. I have moved away from betterment by adding elsewhere, and to balance out the tilt, I bought some ...
by whereskyle
Mon Apr 06, 2020 10:43 am
Forum: Personal Investments
Topic: Stay in Blended Fund or Pick Separate Funds?
Replies: 11
Views: 506

Re: Stay in Blended Fund or Pick Separate Funds?

Compared to the expense ratios on the individual funds it might be worthwhile to avoid the 0.25% ER on the blended fund. I say might because 0.25% is not in the range of terrible either. The blended fund will have the advantage of keeping everything balanced instead of you having to move things aro...
by whereskyle
Mon Apr 06, 2020 10:12 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 106
Views: 4429

Re: What percentage of your paycheck do you invest?

My family puts 10% of each paycheck into our investment accounts. We are looking to increase this to 15% moving forward. How about all of you? If I earned more income, it would be a lot more. Limited income, so 10%. I consider that a minimum and I have been coming up with ways to invest more since ...
by whereskyle
Mon Apr 06, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 254
Views: 39714

Re: How Much in Your Emergency Fund And Is It Used?

I typically do not use my emergency fund even for "emergencies" like unexpected maintenance costs. Typically, in those situations I just buckle down and use money that is typically allotted for luxuries like eating out. My emergency fund is for major emergencies, like if I or a family member suffers...
by whereskyle
Mon Apr 06, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: Good advice [from Vanguard CEO]
Replies: 2
Views: 311

Good advice [from Vanguard CEO]

https://investornews.vanguard/a-message ... ain-times/

Vanguard CEO Tim Buckley with some good and concise advice.
by whereskyle
Mon Apr 06, 2020 9:35 am
Forum: Personal Investments
Topic: New investment: VGT vs IGM vs QQQ
Replies: 52
Views: 1707

Re: New investment: VGT vs IGM vs QQQ

I have reviewed these and I am invested in VGT. For some reason, Vanguard sector funds are better compared to ishares ETF and QQQ. I am invested in VGT as well. If you want the FAANG apart from Apple though, you will have to also buy VUG, which I have done. ERs are lower on these two funds than QQQ...
by whereskyle
Mon Apr 06, 2020 8:51 am
Forum: Personal Investments
Topic: Stay in Blended Fund or Pick Separate Funds?
Replies: 11
Views: 506

Re: Stay in Blended Fund or Pick Separate Funds?

Compared to the expense ratios on the individual funds it might be worthwhile to avoid the 0.25% ER on the blended fund. I say might because 0.25% is not in the range of terrible either. The blended fund will have the advantage of keeping everything balanced instead of you having to move things aro...
by whereskyle
Mon Apr 06, 2020 8:32 am
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Re: Beating the market with less risk using these 6 ETfs [Portfolio Review]

Exactly. I am performance chasing, but I am doing it with very little added risk. No matter what, the portfolio carries little additional risk when compared to the overall market, and it follows Jack's advice. Diversify and buy only low cost funds. First, the average ER across the portfolio is prob...
by whereskyle
Mon Apr 06, 2020 8:21 am
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Re: Beating the market with less risk using these 6 ETfs [Portfolio Review]

I have a simplified option for you. Beats yours as well and sp500, still simpler VOO and MGK @ 50/50 allocation VOO .03% ER MGK .07%ER (https://investor.vanguard.com/etf/profile/MGK), Mega copr growth 1) Has more focused MS/APPL, since there are only 119 stocks 2) Cheaper https://www.portfoliovisua...
by whereskyle
Mon Apr 06, 2020 6:59 am
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Re: Beating the market with less risk using these 6 ETfs [Portfolio Review]

I have a simplified option for you. Beats yours as well and sp500, still simpler VOO and MGK @ 50/50 allocation VOO .03% ER MGK .07%ER (https://investor.vanguard.com/etf/profile/MGK), Mega copr growth 1) Has more focused MS/APPL, since there are only 119 stocks 2) Cheaper https://www.portfoliovisua...
by whereskyle
Mon Apr 06, 2020 6:52 am
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Re: Beating the market with less risk using these 6 ETfs [Portfolio Review]

Exactly. I am performance chasing, but I am doing it with very little added risk. No matter what, the portfolio carries little additional risk when compared to the overall market, and it follows Jack's advice. Diversify and buy only low cost funds. First, the average ER across the portfolio is proba...
by whereskyle
Sun Apr 05, 2020 7:55 pm
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Re: Beating the market with less risk using these 6 ETfs [Portfolio Review]

It looks like a tilt towards large-cap, quality, and tech. Well done! It's certainly a better place to be right at the moment. Who knows if it continues? I might quibble with VT though - if you want an international component, why not explicitly own VXUS or VEA at a lower weighting and up the alloc...
by whereskyle
Sun Apr 05, 2020 7:34 pm
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Re: Beating the market with less risk using these 6 ETfs [Portfolio Review]

OP, Please explain to us why are you doing this? Why are you doing all this work for close to nothing? You outgain S&P 500 by 3.5% with 20% of your portfolio. So, essentially, you increase your portfolio return by 20% X 3.5% = 0.7%. This is a lot of work for minimal gain. Why bother to do this? Mea...
by whereskyle
Sun Apr 05, 2020 7:33 pm
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Re: Beating the market with less risk using these 6 ETfs [Portfolio Review]

VTI (Vanguard U.S. total market ETF, ER .03): 20% VUG (Vanguard Growth ETF, ER .04): 15% VGT (Vanguard Tech Sector ETF, ER .10): 30% VDC (Vanguard Consumer Staples Sector ETF, ER .10): 10% VIG (Vanguard Dividend Appreciation ETF, ER .06): 15% VT (Vanguard Total World ETF, ER .08): 10% I don't see w...
by whereskyle
Sun Apr 05, 2020 7:11 pm
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Re: Beating the market with less risk using these 6 ETfs [Portfolio Review]

OP, 30% in Tech Sector fund - don't you think this is a bit too much? Tech is about 25% of VTI already, and another 30% of Growth Index, so you are tripling up to eye balls in Tech, after a decade of outstanding returns. Consider that Tech had negative returns for a decade from 2000-2009. Your init...
by whereskyle
Sat Apr 04, 2020 3:36 pm
Forum: Personal Investments
Topic: Beating the market with less risk using these 6 ETfs [Portfolio Review]
Replies: 36
Views: 1954

Beating the market with less risk using these 6 ETfs [Portfolio Review]

I have 70% of my portfolio (destined for retirement) in U.S. total market funds. With the other 20% (10% I keep in HYS account for emergencies), I plan to pursue a 6-fund strategy in an attempt to beat the market with less risk. The goal is to buy a house sooner than I otherwise would have, but ther...
by whereskyle
Fri Apr 03, 2020 12:46 pm
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-and-Hold Investments?

I have most of my retirement savings in VTSAX, but as my eye strays toward considering building my own passive portfolio... So your mind is not at ease investing in the second largest mutual fund in the world (Vanguard SP500 is #1) and you think you could do a better job yourself. Really??? As has ...
by whereskyle
Fri Apr 03, 2020 10:57 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-and-Hold Investments?

Thanks for the helpful response. I am curious, and I know that this may be super technical, but I wonder if you can explain: Does Vanguard buy stocks everyday for the purpose of having those stocks at that day's prices for the sake of keeping in line with whatever purchases of VTSAX occur during th...
by whereskyle
Fri Apr 03, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-and-Hold Investments?

Thanks for the helpful response. I am curious, and I know that this may be super technical, but I wonder if you can explain: Does Vanguard buy stocks everyday for the purpose of having those stocks at that day's prices for the sake of keeping in line with whatever purchases of VTSAX occur during th...
by whereskyle
Fri Apr 03, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-and-Hold Investments?

https://novelinvestor.com/market-cap-weighted-index/ Quoted from the above: "I don’t know anyone who used an S&P 500 index fund as a way to own Apple. Yet, by owning the index you’re vested in Apple and its performance along with 499 other companies that were hand-picked by the Standard & Poor’s in...
by whereskyle
Fri Apr 03, 2020 9:54 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-and-Hold Investments?

https://novelinvestor.com/market-cap-weighted-index/ Quoted from the above: "I don’t know anyone who used an S&P 500 index fund as a way to own Apple. Yet, by owning the index you’re vested in Apple and its performance along with 499 other companies that were hand-picked by the Standard & Poor’s ind...
by whereskyle
Fri Apr 03, 2020 8:28 am
Forum: Personal Investments
Topic: Roth Withdrawals
Replies: 3
Views: 287

Re: Roth Withdrawals

See this: https://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund If your investment inside your Roth loses money, then you cannot get a tax benefit. But if your investment inside your taxable account loses money, then you can get a tax benefit. Thanks. The investment is pretty small and my i...
by whereskyle
Fri Apr 03, 2020 8:14 am
Forum: Personal Investments
Topic: Roth Withdrawals
Replies: 3
Views: 287

Roth Withdrawals

Hello all, I am planning to put some money in the market in addition to my HYS account savings and apart from my retirement funds in the hopes of increasing the amount I can put down for a house in 10 years. I have read that Roths allow withdrawals up to $10k for first-time homebuyers, which I will ...
by whereskyle
Thu Apr 02, 2020 11:52 am
Forum: Investing - Theory, News & General
Topic: Investing in stocks in the current market conditions: how and when would you do it?
Replies: 83
Views: 5577

Re: how many Bogleheads cheating..

I admit to cheating. I've bought some alibaba, Adobe, Amazon, Google, and I'm thinking about buying some Disney. Not touching anything for very short-term gain that I consider actually risky, like airlines or cruiselines. But these side purchases pale in comparison to the buying I've been doing of V...
by whereskyle
Thu Apr 02, 2020 10:48 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9269

Re: Does anyone else just not care/worry?

Happy that I work a government job so that at the very least I can expect that we'll have money for food and shelter. I am perhaps too excited for my first bear market and am buying more equities than I had planned. This is my first chance to channel Jack's wisdom that I've tried so hard to internal...
by whereskyle
Thu Apr 02, 2020 9:44 am
Forum: Personal Investments
Topic: Betterment Portfolio Help
Replies: 9
Views: 491

Re: Betterment Portfolio Help

Sell your taxable investments. Have your wife open a Roth IRA with Schwab, Fidelity or Vanguard, and max her 2019 and 2020 Roth IRA contributions using the taxable funds Of secondary importance, rollover your Roth IRA funds to Schwab, Fidelity or Vanguard. No financial penalty. Invest as you please...
by whereskyle
Wed Apr 01, 2020 12:53 pm
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-and-Hold Investments?

...From what I understand, index funds do a lot of selling to maintain market-cap weighting... That is not how market cap weighted index funds work. It is however a widely held, frequently repeated , completely false idea. Wheresklye, here is a quiz question for you. In 2014, Dow Jones and Morgan S...
by whereskyle
Wed Apr 01, 2020 7:09 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-and-Hold Investments?

. From what I understand, index funds do a lot of selling to maintain market-cap weighting, and, even worse, they sell low and buy high, which is counterintuitive. This is not what happens. Index funds have more in stocks with a larger market capitalization, but the market causes this to happen; if...
by whereskyle
Tue Mar 31, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-an-Hold Investments?

FWIW, even if one was to build a portfolio of "Buy-an-hold" individual stocks, you would still need a strategy for accumulation (what you buy when), and eventually which ones you sell when you're spending down. Along the way you'll have special dividends and other corporate events like buyouts and ...
by whereskyle
Tue Mar 31, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-an-Hold Investments?

Honestly, I'm still not entirely sure what buying and selling at the margins refers to. Largely, it's minor changes to an index like dropping previous company 499 and 500 from the S&P or adding an IPO to the TSM or a change with regard to an emerging or developing market, etc. This only happens to ...
by whereskyle
Tue Mar 31, 2020 11:37 am
Forum: Personal Investments
Topic: why do we have the stock market
Replies: 26
Views: 2154

Re: why do we have the stock market

i hope this isn't a dumb question but why do we have the stock market? what is the point of it? for example, AAPL has a market cap of 1.1 trillion and each share selling at roughly @ $255 we all know AAPL is very strong company and will be around for decades to come what does this 1.1 trillion mean...
by whereskyle
Tue Mar 31, 2020 10:51 am
Forum: Personal Investments
Topic: SP500 Index fund will outperform total stock market?
Replies: 51
Views: 5532

Re: SP500 Index fund will outperform total stock market?

likely QQQ will beat both VOO and VTI. "Likely"??? Historical returns are otherwise. The more diversified funds, S&P 500 and total stock market, have had better CAGR (Compound annual growth rate) than Invesco QQQ Trust (QQQ). Portfolio Visualizer, 2000-2020 Just as arbitrary as any other timeframe-...
by whereskyle
Tue Mar 31, 2020 10:44 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-and-Hold Investments?

OP, Your favored SeekingAlpha author is engaged in a classic pattern of rationalization to justify guiding small retail investors away from the best portfolio they can own consistent with modern portfolio theory. You need to understand that you should ignore him. One of the best things you can do f...
by whereskyle
Tue Mar 31, 2020 10:42 am
Forum: Personal Investments
Topic: SP500 Index fund will outperform total stock market?
Replies: 51
Views: 5532

Re: SP500 Index fund will outperform total stock market?

But wouldn’t the S&P 500 index fund have a larger % of the top 10 companies (at whatever time/companies in future)compared with a Total stock market fund, and therefore perform slightly better? Difference in top-10 weighting currently is 3.5% higher in S&P 500. Last year, VOO (S&P 500 ETF) outperfo...
by whereskyle
Tue Mar 31, 2020 10:26 am
Forum: Personal Investments
Topic: SP500 Index fund will outperform total stock market?
Replies: 51
Views: 5532

Re: SP500 Index fund will outperform total stock market?

likely QQQ will beat both VOO and VTI. "Likely"??? Historical returns are otherwise. The more diversified funds, S&P 500 and total stock market, have had better CAGR (Compound annual growth rate) than Invesco QQQ Trust (QQQ). Portfolio Visualizer, 2000-2020 Just as arbitrary as any other timeframe-...
by whereskyle
Tue Mar 31, 2020 10:17 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-an-Hold Investments?

FWIW, even if one was to build a portfolio of "Buy-an-hold" individual stocks, you would still need a strategy for accumulation (what you buy when), and eventually which ones you sell when you're spending down. Along the way you'll have special dividends and other corporate events like buyouts and ...
by whereskyle
Tue Mar 31, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-an-Hold Investments?

I know this doesn't answer your question, but the point of buy-and-hold is to get good long term return without any effort on your part. Who cares what buying and selling the fund managers have to do at the margins? All you do is buy and hold. Absolutely. I'm just interested in to what extent retur...
by whereskyle
Tue Mar 31, 2020 9:27 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-an-Hold Investments?

FWIW, even if one was to build a portfolio of "Buy-an-hold" individual stocks, you would still need a strategy for accumulation (what you buy when), and eventually which ones you sell when you're spending down. Along the way you'll have special dividends and other corporate events like buyouts and ...
by whereskyle
Tue Mar 31, 2020 8:56 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-an-Hold Investments?

Another fact to consider is the turnover ratio. While it is true that VTSAX may sell and buy a large total amount of dollars, the turnover ratio is held in percent which for VTSAX is 4% from what I can find. This is the percent that is bought or sold annually. If you look at actively traded funds t...
by whereskyle
Tue Mar 31, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Re: Are Index Funds Not True Buy-an-Hold Investments?

From what I understand, index funds do a lot of selling to maintain market-cap weighting, and, even worse, they sell low and buy high, which is counterintuitive. If we are talking about having to buy or sell due to price movements - the answer is no they don't. The portfolio naturally adjusts. Yes,...
by whereskyle
Tue Mar 31, 2020 8:24 am
Forum: Investing - Theory, News & General
Topic: Are Index Funds Not True Buy-and-Hold Investments?
Replies: 50
Views: 3180

Are Index Funds Not True Buy-and-Hold Investments?

Hello all, I am about a year into investing, and the thing Jack's writings have most convinced me of is the superiority of buying and holding a diverse set of equities. I am a compulsive DIYer. I like to open the hood and see how things work. And looking under the hood of index funds (in which I am ...
by whereskyle
Mon Mar 30, 2020 6:34 pm
Forum: Personal Investments
Topic: i cannot help myself anymore [buy the dip?]
Replies: 45
Views: 3856

Re: i cannot help myself anymore [buy the dip?]

Boeing is a great example. No way the gov't will allow that company to go downhill. If it goes to 120 or lower i feel like it will at least double if not triple in value fairly quickly i don't know much about stock picking but i know most people would agree with me on that statement. Six Flags, Hil...
by whereskyle
Mon Mar 30, 2020 5:44 pm
Forum: Personal Investments
Topic: i cannot help myself anymore [buy the dip?]
Replies: 45
Views: 3856

Re: i cannot help myself anymore [buy the dip?]

i was referring to individual stocks. I'm very tempted to buy them now but trying to stay away at the same time so I won't do any damage to my long term goals I bought a couple growth blue chips with tons of cash on hand at a "discount" > 30% on Monday. They have since lagged the S&P 500 by about 6...
by whereskyle
Mon Mar 30, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Is the 2 Fund Portfolio the new "3 Fund portfolio"?
Replies: 59
Views: 4390

Re: Is the 2 Fund Portfolio the new "3 Fund portfolio"?

I recently re read Jack Bogles thoughts on international investing and essentially, his belief due to the international component of all US stocks now, that an international portion may be unnecessary. With the recent market roller coaster, i am seeing that when a black swan occurs, there really is...
by whereskyle
Fri Mar 27, 2020 12:44 pm
Forum: Personal Investments
Topic: When to jump back in?
Replies: 48
Views: 4780

Re: When to jump back in?

When As Soon As Possible. The Compounding Machine Never Sleeps :mrgreen: If you're trying to market time again, I'd say a $2T giftbag to corporations on the president's desk might signal a bottom. If it's not the bottom, Congress will just draft up another one, so in my view, you really can't lose.
by whereskyle
Fri Mar 27, 2020 10:05 am
Forum: Personal Investments
Topic: Moving $1M+ from Wealthfront to...? Help please
Replies: 7
Views: 460

Re: Moving $1M+ from Wealthfront to...? Help please

Hi there, all. Thanks in advance. Looking to move a ~$1M+ account from Wealthfront to another platform. I have been quite dissatisfied with Wealthfront (I signed up for Risk Parity and didn't do my correct homework despite being in the financial market field). Any suggestions? Vanguard? Which produ...