Search found 217 matches
- Sun Feb 11, 2024 12:03 pm
- Forum: Personal Investments
- Topic: Liquidate my individual stocks now?
- Replies: 20
- Views: 2703
Re: Liquidate my individual stocks now?
I don't see any reason to sell these individual stocks. Look at the overall portfolio. You can be well diversified even with some individual stock holdings. Wait for stepped up basis at death. Your heirs will be better off as a result.
- Mon Feb 05, 2024 10:38 pm
- Forum: Personal Consumer Issues
- Topic: Sleeping struggles with two people one bed
- Replies: 71
- Views: 6829
- Fri Feb 02, 2024 2:12 pm
- Forum: Personal Consumer Issues
- Topic: family movie night recommendations
- Replies: 15
- Views: 1914
- Tue Jan 30, 2024 3:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Help with Trusts and Step up of Basis
- Replies: 11
- Views: 1192
Re: Help with Trusts and Step up of Basis
For much the same reason, I am always surprised when people put their residences in irrevocable trusts. When you pass, your heirs will likely sell the residence, and they won't get the stepped up basis.
At least for stock, the trust can more easily continue holding, and the heirs can enjoy the dividends without having to realize the capital gain.
At least for stock, the trust can more easily continue holding, and the heirs can enjoy the dividends without having to realize the capital gain.
- Tue Jan 02, 2024 1:49 am
- Forum: Personal Investments
- Topic: Muni funds instead of "cash?"
- Replies: 7
- Views: 1354
Re: Muni funds instead of "cash?"
In your tax bracket, I think it is better to avoid munis and pay the tax on the interest you are earning.
- Sat Dec 30, 2023 9:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Rate of return on primary residence
- Replies: 56
- Views: 6801
Re: Rate of return on primary residence
duplicate
- Sat Dec 30, 2023 9:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: Rate of return on primary residence
- Replies: 56
- Views: 6801
Re: Rate of return on primary residence
I view the real rate of return on owning a residence as
The rent I would otherwise pay for renting a similar residence minus the cost of ownership (property taxes and maintenance) divided by the cost of the property.
This assumes the value you place on living at the residence is reflected in the imputed rental price. If the value is less than that, you should not be living there. Sell immediately. It also assumes that the price of the residence will keep pace with inflation.
The rent I would otherwise pay for renting a similar residence minus the cost of ownership (property taxes and maintenance) divided by the cost of the property.
This assumes the value you place on living at the residence is reflected in the imputed rental price. If the value is less than that, you should not be living there. Sell immediately. It also assumes that the price of the residence will keep pace with inflation.
- Sat Dec 30, 2023 9:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Rate of return on primary residence
- Replies: 56
- Views: 6801
Re: Rate of return on primary residence
duplicate
- Sun Dec 24, 2023 12:33 pm
- Forum: Investing - Theory, News & General
- Topic: The variable annuity advantage - holding bonds for high earners in high tax states
- Replies: 46
- Views: 3916
Re: The variable annuity advantage - holding bonds for high earners in high tax states
I agree with OP that variable annuities makes sense if you have limited tax deferred space and can hold the annuity for a long period. That is the reason I set up variable annuities for my kids when they were born (about 30 years ago). I figured that 65 years of tax deferral (from their birth to their retirement) would more than make up for the higher cost.
- Fri Dec 22, 2023 10:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Inheritance Financial/Moral Dilemma
- Replies: 105
- Views: 12937
Re: Inheritance Financial/Moral Dilemma
I recommend 50/50 unless the pre-inheritance disparity in resources is very, very, very great. If you deviate from 50-50, make sure you discuss your plan openly with everyone when you are alive. Otherwise, you will leave much family turmoil and resentment after you pass. I speak from experience. My mother circulated a will with an equal split to the relevant parties many years before she died, but she then apparently changed her mind at age 92, after several small strokes and one year before she died. She kept the change a secret from me (but let my half-sister, the beneficiary of the change, know). This all caused irreparable harm to family relations, which I am sure was not my mother's intent. Many 92-year-olds suffer from diminished cogn...
- Sat Dec 09, 2023 11:16 am
- Forum: Personal Consumer Issues
- Topic: Vacation ideas with under 2 toddler
- Replies: 72
- Views: 7276
Re: Vacation ideas with under 2 toddler
This resort provides a vacation nanny:
https://fdrholidays.com/free-vacation-nanny/
We went there many years ago with small children, and they loved it.
https://fdrholidays.com/free-vacation-nanny/
We went there many years ago with small children, and they loved it.
- Thu Nov 16, 2023 6:58 am
- Forum: Investing - Theory, News & General
- Topic: World ex-US returns are only 4.4% - 120 years of data
- Replies: 110
- Views: 11146
Re: World ex-US returns are only 4.4% - 120 years of data
Here is how I interpret it: In 2023, the US is the most economically prosperous country. That fact about 2023 was not known 120 years ago. If you know what the most prosperous country will be 120 years from now, you should overweight that country. But without that knowledge, diversification is your best bet.
- Sun Oct 29, 2023 7:14 am
- Forum: Personal Investments
- Topic: Am I being a simpleton for just adding to VMATX (Massachusetts Tax-Exempt Fund)?
- Replies: 34
- Views: 2465
Re: Am I being a simpleton for just adding to VMATX (Massachusetts Tax-Exempt Fund)?
7 percent is the tax-equivalent yield. It comes from the yield of 3.52 percent and a top tax rate (state + federal) of almost 50 percent.CloseEnough wrote: ↑Sat Oct 28, 2023 12:33 pmInteresting. 7% after tax yield - I wonder what assumptions are in that?QBoy wrote: ↑Sat Oct 28, 2023 12:10 pmCheck out FMAXX as a money fund alternative. It is Mass tax free.TomatoTomahto wrote: ↑Sat Oct 28, 2023 10:48 amI should probably have mentioned that I also add money to Schwab’s Municipal Money Market (SWTXX), but with Massachusetts’ recent increase in tax for high earners (went from 5% to 9%), I want a state specific place to park some money.retired@50 wrote: ↑Sat Oct 28, 2023 10:40 am
If you don't want to extend duration any further, you could mix in some VMSXX municipal money market fund.
- Sat Oct 28, 2023 12:10 pm
- Forum: Personal Investments
- Topic: Am I being a simpleton for just adding to VMATX (Massachusetts Tax-Exempt Fund)?
- Replies: 34
- Views: 2465
Re: Am I being a simpleton for just adding to VMATX (Massachusetts Tax-Exempt Fund)?
Check out FMAXX as a money fund alternative. It is Mass tax free.TomatoTomahto wrote: ↑Sat Oct 28, 2023 10:48 amI should probably have mentioned that I also add money to Schwab’s Municipal Money Market (SWTXX), but with Massachusetts’ recent increase in tax for high earners (went from 5% to 9%), I want a state specific place to park some money.retired@50 wrote: ↑Sat Oct 28, 2023 10:40 am
If you don't want to extend duration any further, you could mix in some VMSXX municipal money market fund.
- Sat Oct 21, 2023 3:30 pm
- Forum: Investing - Theory, News & General
- Topic: Permanent Insurance vs Term + Systematic Investing
- Replies: 12
- Views: 1096
Re: Permanent Insurance vs Term + Systematic Investing
1. Comparing a whole life policy and stock market returns is a bit unfair. The returns of the whole life policy are driven by a large bond portfolio with small allocations to real estate, stocks, and personal loans, along with reimbursement for overzealous estimates of mortality and administrative expenses. To be fair, then, the A+B side should be invested in something like a 10/90 portfolio. To compare stock vehicles, the appropriate comparison would be to a variable universal life policy. I have done that math if you want a copy of the spreadsheet. PM me if interested. (The conclusion is still that 99% of people should not use permanent life insurance.) 2. Tax expenses cannot be ignored since the permanent life insurance policy is design...
- Sun Oct 08, 2023 4:08 pm
- Forum: Personal Consumer Issues
- Topic: College Applications: SAT scores optional
- Replies: 24
- Views: 3759
Re: College Applications: SAT scores optional
If her score is above the school's median, I would definitely submit it.
And I would do so even if it is slightly below the median.
Not submitting the score conveys the message that her score is low.
And I would do so even if it is slightly below the median.
Not submitting the score conveys the message that her score is low.
- Sat Sep 30, 2023 6:35 pm
- Forum: Personal Investments
- Topic: Help Me Rid Myself of a Dog (VNQI)
- Replies: 21
- Views: 3176
Re: Help Me Rid Myself of a Dog (VNQI)
Diversification means always hating part of your portfolio. Rebalancing requires buying more of what you hate the most.
I also own some VNQI in my Roth IRA and recently bought more.
I also own some VNQI in my Roth IRA and recently bought more.
- Fri Sep 22, 2023 5:59 pm
- Forum: Personal Investments
- Topic: Schwab Login Not Working
- Replies: 12
- Views: 1253
Re: Schwab Login Not Working
now fixed
- Fri Sep 22, 2023 4:19 pm
- Forum: Personal Investments
- Topic: Schwab Login Not Working
- Replies: 12
- Views: 1253
Re: Schwab Login Not Working
Yes, same problem. I presume that if we wait, they will fix the problem.
- Wed Aug 30, 2023 11:08 am
- Forum: Investing - Theory, News & General
- Topic: Direct Indexing Adventure
- Replies: 180
- Views: 36124
Re: Direct Indexing Adventure
How far does a stock fall before their algorithm sells it to tax-loss harvest? Is there some percentage threshold?
- Fri Jul 28, 2023 2:07 pm
- Forum: Investing - Theory, News & General
- Topic: JNJ spin off KVUE [Johnson and Johnson spinoff - Kenvue]
- Replies: 91
- Views: 18376
Re: JNJ spin off KVUE
Isn't the 7 percent discount a strong argument in favor of converting?
- Thu Jun 29, 2023 7:16 am
- Forum: Personal Investments
- Topic: Confused by Vanguard "Performance" tab
- Replies: 3
- Views: 570
Re: Confused by Vanguard "Performance" tab
Your date range say it ends June 28, whereas the rate of return ends May 31. That may explain the difference.
- Thu Jun 22, 2023 6:32 am
- Forum: Personal Consumer Issues
- Topic: Family vacation ideas (kids 3, 6yo)?
- Replies: 38
- Views: 3538
Re: Family vacation ideas (kids 3, 6yo)?
Lots of nice places on the Jersey shore. Long Beach Island, for instance.
- Sun Jun 18, 2023 8:29 pm
- Forum: Investing - Theory, News & General
- Topic: Expected Returns
- Replies: 15
- Views: 2001
Re: Expected Returns
Expected value is 2.5 real, for a balanced portfolio over the next decade. Would not be surprised at zero or 5, however.
- Thu Jun 01, 2023 10:12 pm
- Forum: Personal Investments
- Topic: Is a smart-beta portfolio worth it for 200+ bp fee?
- Replies: 18
- Views: 1739
Re: Is a smart-beta portfolio worth it for 200+ bp fee?
Those fees are very, very high. You would do better in, say, Vanguard Balanced Index Fund. Compare your year-by-year returns with the returns on that fund:
https://www.morningstar.com/funds/xnas/ ... erformance
https://www.morningstar.com/funds/xnas/ ... erformance
- Sat May 27, 2023 1:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: Inherited my parents' home but don't want it
- Replies: 23
- Views: 5781
Re: Inerited my parents' home but don't want it
If the estate is not settled, you should talk to a lawyer about whether you can disclaim your right to the house. If so, perhaps it would enter the overall estate which (I am assuming) would be split equally among the siblings, depending on how will is written. That way, you don't need to use up some of your own estate tax exemption, which could be much smaller when you die than it is today.
- Tue May 23, 2023 3:07 pm
- Forum: Personal Investments
- Topic: Question about Wash Sale Rule
- Replies: 6
- Views: 365
Re: Question about Wash Sale Rule
I understand how the wash sale rule works in general, but I get confused when the repurchase occurs before the sale. Consider these scenarios: 1. I buy 100 shares of stock X on March 1, another 100 shares on March 2, and then sell the first 100 shares at a loss on March 15. Does the March 2 purchase disqualify the loss on March 15? 2. I buy 200 shares on March 1 and then sell 100 shares for a loss on March 15. Does the second hundred shares bought on March 1 disqualify the loss on March 15? I think the answer is yes to the first question but no to the second. But I am not sure. These two scenarios seem similar, so it seems odd that the tax code would treat them differently. Example 2 on the below page is the same as your example 2. The rea...
- Tue May 23, 2023 2:14 pm
- Forum: Personal Investments
- Topic: Question about Wash Sale Rule
- Replies: 6
- Views: 365
Question about Wash Sale Rule
I understand how the wash sale rule works in general, but I get confused when the repurchase occurs before the sale. Consider these scenarios:
1. I buy 100 shares of stock X on March 1, another 100 shares on March 2, and then sell the first 100 shares at a loss on March 15. Does the March 2 purchase disqualify the loss on March 15?
2. I buy 200 shares on March 1 and then sell 100 shares for a loss on March 15. Does the second hundred shares bought on March 1 disqualify the loss on March 15?
I think the answer is yes to the first question but no to the second. But I am not sure. These two scenarios seem similar, so it seems odd that the tax code would treat them differently.
1. I buy 100 shares of stock X on March 1, another 100 shares on March 2, and then sell the first 100 shares at a loss on March 15. Does the March 2 purchase disqualify the loss on March 15?
2. I buy 200 shares on March 1 and then sell 100 shares for a loss on March 15. Does the second hundred shares bought on March 1 disqualify the loss on March 15?
I think the answer is yes to the first question but no to the second. But I am not sure. These two scenarios seem similar, so it seems odd that the tax code would treat them differently.
- Wed May 10, 2023 1:40 am
- Forum: Personal Investments
- Topic: Step up basis?
- Replies: 15
- Views: 1854
Re: Step up basis?
Full step up.
- Thu May 04, 2023 7:35 am
- Forum: Personal Finance (Not Investing)
- Topic: Unequal Inheritance (Aunt) do I say something in advance?
- Replies: 59
- Views: 7735
Re: Unequal Inheritance (Aunt) do I say something in advance?
Why are you mad at sister? Wasn’t it your mothers responsibility to divulge the details if she chose? Many people at the age of 92 do not have the full cognitive capacity to make wise decisions. That my mother, having suffered several small strokes, decided at that late stage of life to secretly change the estate plan she had agreed to with her husband (then deceased) and had previously announced to her children (my half sister and me) suggests that her decisions were not that of a fully functioning rational mind. Did you challenge the will re: diminished cognitive capacity? I talked to a lawyer about it. Diminished capacity is hard to prove, and the dollar values involved were not large, so I decided to let the issue pass. My mom was told...
- Wed May 03, 2023 9:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Unequal Inheritance (Aunt) do I say something in advance?
- Replies: 59
- Views: 7735
Re: Unequal Inheritance (Aunt) do I say something in advance?
Secrecy about this kind of situation can put a large wedge in a family. My mother, having said she would split her estate equally among her children, changed her mind at the age of 92, and left the largest share of her estate to my half sister. My half sister knew about the change, but kept it a secret until after our mother had passed. Needless to say, my half sister and I are now estranged, and that is unlikely to change. The bottom line: Inequity creates hard feelings, but inequity kept secret is inexcusable. Why are you mad at sister? Wasn’t it your mothers responsibility to divulge the details if she chose? Many people at the age of 92 do not have the full cognitive capacity to make wise decisions. That my mother, having suffered seve...
- Wed May 03, 2023 9:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Unequal Inheritance (Aunt) do I say something in advance?
- Replies: 59
- Views: 7735
Re: Unequal Inheritance (Aunt) do I say something in advance?
Secrecy about this kind of situation can put a large wedge in a family. My mother, having said she would split her estate equally among her children, changed her mind at the age of 92, and left the largest share of her estate to my half sister. My half sister knew about the change, but kept it a secret until after our mother had passed. Needless to say, my half sister and I are now estranged, and that is unlikely to change. The bottom line: Inequity creates hard feelings, but inequity kept secret is inexcusable. Why are you mad at sister? Wasn’t it your mothers responsibility to divulge the details if she chose? Many people at the age of 92 do not have the full cognitive capacity to make wise decisions. That my mother, having suffered seve...
- Wed May 03, 2023 7:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Unequal Inheritance (Aunt) do I say something in advance?
- Replies: 59
- Views: 7735
Re: Unequal Inheritance (Aunt) do I say something in advance?
Secrecy about this kind of situation can put a large wedge in a family. My mother, having said she would split her estate equally among her children, changed her mind at the age of 92, and left the largest share of her estate to my half sister. My half sister knew about the change, but kept it a secret until after our mother had passed. Needless to say, my half sister and I are now estranged, and that is unlikely to change. The bottom line: Inequity creates hard feelings, but inequity kept secret is inexcusable.
- Thu Apr 13, 2023 3:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Family Gifting Trust
- Replies: 11
- Views: 1197
Re: Family Gifting Trust
I believe that one downside of this arrangement is that you lose the stepped up basis at death, which means a greater capital gains tax liability when the house is sold.
- Sat Mar 04, 2023 9:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Financial efficiency = Lifetime income to networth
- Replies: 101
- Views: 10604
Re: Financial efficiency = Lifetime income to networth
The White Coat Investor suggests that a reasonable benchmark is a net worth to lifetime income ratio of 0.25:
https://www.whitecoatinvestor.com/a-net ... r-doctors/
I have taken some comfort in being above that benchmark.
https://www.whitecoatinvestor.com/a-net ... r-doctors/
I have taken some comfort in being above that benchmark.
- Fri Feb 10, 2023 4:47 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard CEO on Direct Indexing
- Replies: 94
- Views: 11580
Re: Vanguard CEO on Direct Indexing
Here is a Vanguard study of the topic:
https://www.vanguardmexico.com/content/ ... n-plan.pdf
My take: To make direct indexing attractive from a tax standpoint, you need to assume that the investor will consistently have realized capital gains elsewhere in his portfolio. If not, you are paying higher fees just to accumulate capital loss carryforwards.
https://www.vanguardmexico.com/content/ ... n-plan.pdf
My take: To make direct indexing attractive from a tax standpoint, you need to assume that the investor will consistently have realized capital gains elsewhere in his portfolio. If not, you are paying higher fees just to accumulate capital loss carryforwards.
- Mon Feb 06, 2023 12:07 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity Core Real Estate Fund
- Replies: 9
- Views: 2828
Fidelity Core Real Estate Fund
I got an email from Fidelity about a new private vehicle for real estate investing:
https://www.fidelity.com/go/alternative ... eal-estate
What are the advantages of such an investment compared with publicly traded REITs or a REIT index fund, like VNQ?
Lack of liquidity is clear disadvantage, but I was wondering if there are compensating advantages.
https://www.fidelity.com/go/alternative ... eal-estate
What are the advantages of such an investment compared with publicly traded REITs or a REIT index fund, like VNQ?
Lack of liquidity is clear disadvantage, but I was wondering if there are compensating advantages.
- Sun Dec 25, 2022 10:10 pm
- Forum: Personal Investments
- Topic: FIPDX Huge Drop?
- Replies: 18
- Views: 2309
Re: FIPDX Huge Drop?
Thank you. I did not know that.Geologist wrote: ↑Sun Dec 25, 2022 3:36 pmTIPS Funds are required to pay out the inflation adjustment on their TIPS holdings in their dividends.QBoy wrote: ↑Sun Dec 25, 2022 3:30 pmEven so, the dividend puzzles me. The dividend was about 9 percent of the price, much higher than the yield on TIPS. Does somehow the revaluation of principal based on the rising CPI somehow become a dividend?retiringwhen wrote: ↑Sun Dec 25, 2022 2:43 pm There is a whole thread about how they hold the entire years dividend for this fund for one distribution
- Sun Dec 25, 2022 3:30 pm
- Forum: Personal Investments
- Topic: FIPDX Huge Drop?
- Replies: 18
- Views: 2309
Re: FIPDX Huge Drop?
Even so, the dividend puzzles me. The dividend was about 9 percent of the price, much higher than the yield on TIPS. Does somehow the revaluation of principal based on the rising CPI somehow become a dividend?retiringwhen wrote: ↑Sun Dec 25, 2022 2:43 pm There is a whole thread about how they hold the entire years dividend for this fund for one distribution
- Sun Dec 25, 2022 2:27 pm
- Forum: Personal Investments
- Topic: FIPDX Huge Drop?
- Replies: 18
- Views: 2309
- Mon Dec 19, 2022 5:02 pm
- Forum: Investing - Theory, News & General
- Topic: Jeremy Siegel: Blame TIPS for the Bear Market
- Replies: 60
- Views: 8131
Re: Jeremy Siegel: Blame TIPS for the Bear Market
My interpretation: Tight monetary policy, as reflected in TIP yields, drove up discount rates for all assets. Higher discount rates mean lower stock prices for any path of future cash flows.
- Thu Dec 15, 2022 11:42 am
- Forum: Personal Finance (Not Investing)
- Topic: How much to tip the taxi driver?
- Replies: 81
- Views: 7587
Re: How much to tip the taxi driver?
I tip 20 percent. More for small fares.
- Sun Sep 04, 2022 7:31 am
- Forum: Personal Finance (Not Investing)
- Topic: Gift limits and large transfers
- Replies: 14
- Views: 1700
Re: Gift limits and large transfers
What you say is correct for the estate tax. But I believe Massachusetts treats gifts different. That is, if my recollection is correct, Massachusetts does not treat bequests and lifetime gifts in the same way. So it is better to give the money while living,Jack FFR1846 wrote: ↑Sun Sep 04, 2022 7:13 am And don't forget that some states have far lower limits for estates. Mine, Massachusetts has a $1M limit at which point a cliff exists and tax applies back to the first dollar.
- Thu Jul 28, 2022 8:54 pm
- Forum: Personal Consumer Issues
- Topic: Classic Board Games
- Replies: 62
- Views: 5013
Re: Classic Board Games
Quiddler. A card game based on word creation.
- Sat Jul 23, 2022 1:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Estate Plan with Vacation Home
- Replies: 7
- Views: 1047
Re: Estate Plan with Vacation Home
The hard case is if both want to own it outright, and neither want so sell their half to the other.
- Thu Jul 21, 2022 8:43 am
- Forum: Investing - Theory, News & General
- Topic: Who should overweight international equities?
- Replies: 47
- Views: 4610
Re: Who should overweight international equities?
Yes, but "home bias" is a description of the facts, not an explanation. Is it rational home bias? If so, how? Or is it a nationalistic prejudice?BitTooAggressive wrote: ↑Thu Jul 21, 2022 7:01 amThey are not international to them, only to US investors are THEY international. They have a home country bias.
- Thu Jul 21, 2022 6:07 am
- Forum: Investing - Theory, News & General
- Topic: Who should overweight international equities?
- Replies: 47
- Views: 4610
Who should overweight international equities?
International equities (that is, non-US equities) are roughly 40 percent of world equity capitalization, and that is roughly the weighting in my portfolio. Many here hold less than that. I have a question for them.
If you and many like you underweight international equities, then simple accounting means that other investors must overweight them. After all, the average investor must hold the market.
Why do these other people overweight international equities? Are there circumstances different from yours? If so, how? Or are they being foolish in your judgment?
If you and many like you underweight international equities, then simple accounting means that other investors must overweight them. After all, the average investor must hold the market.
Why do these other people overweight international equities? Are there circumstances different from yours? If so, how? Or are they being foolish in your judgment?
- Tue Jul 12, 2022 4:53 pm
- Forum: Personal Consumer Issues
- Topic: College application question for child (econ top private vs business state school)
- Replies: 102
- Views: 8473
Re: College application question for child (econ top private vs business state school)
If she does not like math at all, she should probably avoid econ as a major. (FYI, I am an econ prof.)
Some elite private schools do have business majors, though not most. Wharton at UPenn is the most famous. Another example is Brown:
https://www.brown.edu/academics/busines ... nizations/
The main advantage of the elite private schools is the quality of your peers. Students learn as much from fellow students as they do from professors.
Some elite private schools do have business majors, though not most. Wharton at UPenn is the most famous. Another example is Brown:
https://www.brown.edu/academics/busines ... nizations/
The main advantage of the elite private schools is the quality of your peers. Students learn as much from fellow students as they do from professors.
- Mon Jul 04, 2022 11:09 am
- Forum: Personal Investments
- Topic: Can me and my wife split our joint Vanguard funds/stocks?
- Replies: 11
- Views: 2076
Re: Can me and my wife split our joint Vanguard funds/stocks?
I don't see any downside to doing this.
- Sun Jul 03, 2022 1:40 pm
- Forum: Investing - Theory, News & General
- Topic: What is the best way to invest in commodities?
- Replies: 9
- Views: 1183
Re: What is the best way to invest in commodities?
There are etfs that hold commodity futures. Examples are GSG and DBC.
Here is an academic study about their role in a portfolio:
https://www.tandfonline.com/doi/abs/10. ... 62.n2.4083
Here is an academic study about their role in a portfolio:
https://www.tandfonline.com/doi/abs/10. ... 62.n2.4083