Search found 2031 matches

by jhfenton
Sun Oct 15, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

It isn't easy putting together a core four via the commission-free ETF offerings from TD Ameritrade if I exclude Vanguard. I got halfway there with IVV (S&P tracker) and AGG (US bonds) so far. Dirt cheap, too (0.04 and 0.06 respectively). They definitely don't have a complete iShares lineup yet. If...
by jhfenton
Sun Oct 15, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

Would you be kind enough to elaborate on what the Saturna annoyance may be? I need to switch and am trying to decide between Saturna and Lively. I put money in my HSA once a year, and have to date not spent a cent from it. Due to the tax advantage, I really need to turn it into a buy and hold inves...
by jhfenton
Sat Oct 14, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 40
Views: 5433

Re: Innovis and ChexSystems freeze confirmation letters

Requested both on 9/16. Letter from Innovis took about 2.5 weeks. Letter from Chexsystems arrived today, so 4 weeks. Ours were on the same schedule as yours. Our ChexSystems letters both arrived on Thursday. They took 27 days, from 9/15 to 10/12. Our Innovis we requested 9/14 and received them the ...
by jhfenton
Sat Oct 14, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

He confirmed that “most of them would be rotating out” Thank you for that info. This breaks the deal for me. The Vanguard ETFs were the clincher. It would definitely cause me to wait and see if my money weren't already on the way. The best case scenario is that they're going to swap in much of the ...
by jhfenton
Sat Oct 14, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

I received an email this morning from Lively that my investment link to TD Ameritrade was set up. In the account online, it shows my HSA balance ($0) and my investment balance ($0), and has a very simple interface to Transfer or Withdraw funds. There is a "My Positions" tab and an "Activity" tab, so...
by jhfenton
Sat Oct 14, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 1379

Re: HSA investment [use guaranteed 4% or use equities]

I'd be crazy to pass on a guaranteed 4% in favor of equities, right? In general, I'd jump at a 4% guaranteed return and use it as part of my fixed income allocation. Having it in an HSA where it can't be rebalanced with anything else is not ideal, but starting out I'd go 100% for the guaranteed 4%....
by jhfenton
Sat Oct 14, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 594

Re: Voluntary Corporate Action Tendered Offer Wal-Mart questions

It is the only corporate bond I own. It is in an inherited IRA. The other individual bonds I own are a mix of MBS and agency bonds and UITs. I don't have any specific reason to keep it other than it is earning a good interest rate. If I were to sell it, I would consolidate with my other Total Bond ...
by jhfenton
Fri Oct 13, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 594

Re: Voluntary Corporate Action Tendered Offer Wal-Mart questions

I don't think you're missing anything. For your bond, it appears that they're offering slightly less than fair market value. I looked up your CUSIP, and the bid/ask and third-party price quote today were in the 125.103 to 125.679 range. Walmart is offering 124.189. I'd decline, and if I wanted to se...
by jhfenton
Fri Oct 13, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3744

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

I agree with the suggestions to be up front and put it in your contract. It makes it feel less personal than if you bring it up when the situation arises. I know, given my personality--analytical, laidback, but suspicious of authority--that I would probably not react well in the spur of the moment t...
by jhfenton
Fri Oct 13, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

The clean website is a nice bonus too. Is there anything I'm missing here? The only downside I see is the non-trivial chance that their current business model doesn't work. Maybe fees go up. Maybe they go under. But that would just be an inconvenience. Our assets will be safe at Choice Bank and/or ...
by jhfenton
Fri Oct 13, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds Now?
Replies: 33
Views: 2805

Re: Why would anyone buy long term bonds?

You won't find many bogleheads that buy a specific long-term bond fund, but many of us own the Total Bond Market, which has a small allocation to long-term bonds. Again, since we don't know the future, we diversify. And that is the primary reason I don't own Total Bond. I don't want long-term bonds...
by jhfenton
Fri Oct 13, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: New investment account vs. credit freeze?
Replies: 7
Views: 804

Re: New investment account vs. credit freeze?

Last month I froze my credit with the big 3, Innovis, and ChexSystems. This month I opened a new HSA with Lively and an accompanying HSA brokerage account with TD Ameritrade. Neither online system blinked. (I did have accounts at TD Ameritrade from 199x-2015, so maybe I was still in their system.)
by jhfenton
Fri Oct 13, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

Left account open but staying with SelectAccount HSA for now, b/c the minimal difference in expenses isn't worth the hassle of two active accounts. I understand that. :beer I've been grumbling about the growing fees in my employer-sponsored HSA for two years. Twice, I had even downloaded all of the...
by jhfenton
Fri Oct 13, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

My HSA transfer just arrived at Lively (though the money is still marked as pending). I also plan to set up with TD Ameritrade soon. I have a question for you regarding the $2.50 a month: you earlier said, "One additional tidbit with Lively: they take the $2.50/month investment fee from your linked...
by jhfenton
Fri Oct 13, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

Since my HSA rollover could arrive at Lively as early as this weekend, I clicked through the link on Lively to set up my TD Ameritrade account. The process was painless. All of my account information was automatically populated. I just had to answer the standard brokerage questions, accept all of TD...
by jhfenton
Thu Oct 12, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Why no stable value accounts for "retail" investors?
Replies: 11
Views: 1290

Re: Why no stable value accounts for "retail" investors?

While some stable-value funds pay 3% or better, that's usually because of contractual reasons. Megacorp pays 2.42% currently. The TSP G fund is 2.250%. That's about what you can get with 5-year CDs. Wouldn't be much point. And the one in my midcorp Fidelity 401(k) yields 1.53% (as of 9/30/17). It's...
by jhfenton
Thu Oct 12, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity HSA?
Replies: 3
Views: 347

Re: Fidelity HSA?

Not as far as I know, at least not a few months ago. I asked a Fidelity rep because my employer's 401(k) plan is with Fidelity, and he said that they did not for individuals.
by jhfenton
Wed Oct 11, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

In my search for a HSA provider, I assign a "fee" value of $40 per year for each thousand that cannot be invested. $2k that cannot be invested is like a fee of $80 / year. That's pretty generous. I would just think of the $1000 cash requirement in my HSA as part of my emergency fund and lower my ba...
by jhfenton
Wed Oct 11, 2017 8:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1176

Re: Vanguard bond ETF/funds

dbr wrote:
Wed Oct 11, 2017 8:40 am
For most people there is no reason to buy a bond ETF rather than a mutual fund.
I agree with this. I prefer bond mutual funds for ease of reinvestment of dividends and guaranteed liquidity. There are ETF shares classes of VSIGX (VGIT), VICSX (VCIT), and VSCSX (VCSH), but I use the Admiral Shares.
by jhfenton
Wed Oct 11, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond ETF/funds
Replies: 21
Views: 1176

Re: Vanguard bond ETF/funds

If I could own only one Vanguard bond fund, it would be VSIGX (Vanguard Intermediate Term Government/Treasury Bond Index Fund Admiral Shares) or VBILX (Vanguard Intermediate Term Bond Index Fund Admiral Shares) (50/50 govt/corp), depending on the size of my bond allocation. VSIGX was, in fact, my fi...
by jhfenton
Wed Oct 11, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

My transfer check from my current/former custodian is supposed to be in the mail today. They received the transfer form Friday. Monday was a bank holiday. Yesterday, my balance dropped to $0 with the transfer pending. I did have to call my current custodian because they marked the account as being c...
by jhfenton
Wed Oct 11, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

Does your money go direct from your current HSA to Choice Financial, or does Lively have custody of it? - If it goes direct to Choice Financial, isn't your money safe since they are FDIC insured? - If it does not go direct, I guess the time Lively has it is when you are at risk. - Once the money is...
by jhfenton
Mon Oct 09, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 3711

Re: HSA’s: What level of risk do you prefer?

I'm treating my HA like a Roth IRA, so it's 100% equities. Up until now I had to keep $2,000 in cash, but I'm in the process of rolling it over to reduce fees and get first-dollar investing. The only cash I'll have going forward will be what builds up in my employer-sponsored HSA in-between trustee-...
by jhfenton
Mon Oct 09, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3704

Re: What specific changes have you made post-Equifax?

Already Done: * Follow best available practices for each financial account, email account, and electronic device (the best available varies by provider) Done Since: * Froze Equifax, Experian, Innovis, ChexSystems * Credit Lock at TransUnion Haven't Done (for example): * Enable USB key on Vanguard - ...
by jhfenton
Mon Oct 09, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5550

Re: Does anyone hold cash?

We do not (usually) hold significant cash inside our "retirement assets." We do hold cash in checking (current spending) and in high-yield savings (emergency fund), but for reasons of mental accounting, those are not "investment assets." We do hold some VSCSX (Vanguard Short-Term Corporate Bond Inde...
by jhfenton
Mon Oct 09, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: New Fiduciary Rule seems to be a big disappointment
Replies: 18
Views: 2298

Re: New Fiduciary Rule seems to be a big disappointment

The Fiduciary Rule, or being a fiduciary in general, doesn't automatically make anyone a low-cost provider. Fiduciary obligations don't prevent you from being a high-cost provider. It just means that within your overall cost framework, you make decisions in the best interests of your clients. (There...
by jhfenton
Mon Oct 09, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: overloaded w/ Goog?
Replies: 10
Views: 1185

Re: overloaded w/ Goog?

I'd set up a sell program and don't look back. +1 As I did so, I'd also tilt my 56% non-Google equity investments toward (small) value and away from the tech industry, since my job and a chunk of my portfolio were tied to tech in general and Google specifically. With large cap funds/ETFs being so t...
by jhfenton
Sun Oct 08, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7442

Re: Do you want your receipt?

1. Yes, if it's a purchase of a kind that might be returned. 2. No, if it's a small purchase at a retail establishment (non-restaurant or fast-food restaurant) where there is no tipping. 3. No, if it's a small purchase at one of the places downtown near my office where I regularly eat lunch. 4. Yes,...
by jhfenton
Sun Oct 08, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Small cap ETF, differernce between VB and IJR
Replies: 4
Views: 423

Re: Small cap ETF, differernce between VB and IJR

IJR (strike the word value from its name) follows a narrower, curated index that tracks smaller companies on average than the broader CRSP (85-98th percentile) index that VB tracks. The S&P 600 small cap index is also curated, with inclusion criteria that give it a bit of a quality tilt. VB pulls in...
by jhfenton
Sun Oct 08, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12055

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

I dont understand how buffet or bogle saying this, is any different than people here who say "Im thinking of going all cash". I doubt this thread is actionable, so it will probably be locked. I dont base my investment decisions on 90+ year old men's thoughts about the market. But, we are due for a ...
by jhfenton
Sun Oct 08, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: mimicking duration of total bond using municipal bond funds
Replies: 5
Views: 666

Re: mimicking duration of total bond using municipal bond funds

I wouldn’t find it worth the trouble to use all three funds. I’d use the CA long and the national limited-term. That’s what I do in Ohio. (We don’t have an OH intermediate fund anyway.) Using the CA long fund makes most of your interest state tax exempt; the national limited term gives you some low-...
by jhfenton
Sat Oct 07, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 102
Views: 5671

Re: Has your "risk tolerance" been tested?

We were tested in 2008. We had a six-figure portfolio at that point, and I was laid off in December 2008. We stayed 100% equities throughout, and my wife continued to contribute to her 401(k). At that point, our retirement accounts were the last thing on our mind. And I was convinced throughout that...
by jhfenton
Sat Oct 07, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 1919

Re: Health Savings Account recommendation

For ease of setup, flexibility, low cost, and first-dollar investing, Lively seems now to be the new best choice at $2.50/month (period) to access a TD Ameritrade brokerage account with 100 commission-free ETFs. There are no other fees. Saturna was previously the most attractive, but the inconvenien...
by jhfenton
Sat Oct 07, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

I also just opened a Lively account 5 minutes ago and will do a trustee-to-trustee transfer of $25k from Alliant CU. So far, the on-boarding process was fairly painless and entirely online. The post-signup communication is a little lacking. While I opt'ed for the 2 micro deposits to link my CU acco...
by jhfenton
Thu Oct 05, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

I've exchanged numerous emails with Lively support. I've verified the ACH microdeposits, and my account is live. I e-signed the trustee-to-trustee transfer form that they filled out with information I gave them. And they faxed it to my current custodian. There's a separate step to create the linked ...
by jhfenton
Wed Oct 04, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

One additional tidbit with Lively: they take the $2.50/month investment fee from your linked bank account not your HSA cash account or your TD Ameritrade investment account.
by jhfenton
Wed Oct 04, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: HSA fees??
Replies: 10
Views: 636

Re: HSA fees??

50 bp is quite high if you have a sizable HSA balance. I'm jumping ship from my employer-sponsored HSA because they increased their investment fee from 10 bp to 20 bp (plus $2/month). With the new fee, we'd be paying more than $100 per year (>$45K HSA). I'm in the process of moving to Lively with th...
by jhfenton
Wed Oct 04, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

I am going to broach the subject with our VP of finance and maybe our VP of HR after I get a sense of how well Lively works. But it's going to be a hard (impossible) sell for a few reasons: (1) Our current HSA is with a prominent local bank. (2) Lively is new. (3) The investment options are "too co...
by jhfenton
Tue Oct 03, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

Going to suggest to our controller to look into them. Anyone have any experience getting an employer to add a provider? I am going to broach the subject with our VP of finance and maybe our VP of HR after I get a sense of how well Lively works. But it's going to be a hard (impossible) sell for a fe...
by jhfenton
Tue Oct 03, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7750

Re: New HSA provider Lively offers investments for $30/yr fee

I opened up an account on Lively's portal yesterday, and I'm still waiting for final approval. I called and spoke to a (the?) support person to see if I could stop the debit card from being sent, but she checked and it is automated. She said I could just not activate and destroy it. Has anyone submi...
by jhfenton
Tue Oct 03, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 27
Views: 2617

Re: Domestic SCV? [Small Cap Value]

In tax-advantaged we own lots and lots of VSIAX (Vanguard Small Cap Value Index Admiral). At 7 bp, I'm perfectly happy to just load up on it, even if it is not as pure as some of the others. But we own VIOV in taxable, largely because it is more tax-efficient than VSIAX. Unless you day trade, it is...
by jhfenton
Mon Oct 02, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 27
Views: 2617

Re: Domestic SCV? [Small Cap Value]

In tax-advantaged we own lots and lots of VSIAX (Vanguard Small Cap Value Index Admiral). At 7 bp, I'm perfectly happy to just load up on it, even if it is not as pure as some of the others. But we own VIOV in taxable, largely because it is more tax-efficient than VSIAX. Unless you day trade, it is ...
by jhfenton
Mon Oct 02, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 26
Views: 1579

Re: VWEHX High-Yield Corporate bond

CorradoJr wrote:
Mon Oct 02, 2017 7:23 am
I don't plan to hold long-term….
VWEHX is only appropriate as a long-term holding. In a credit crunch, it can easily lose 10%, 20%, or more, especially from current elevated credit valuations.
by jhfenton
Mon Oct 02, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6034

Re: Are credit cards rewards worth it?

After having our debit cards both compromised a decade ago, we don't use them except at our home ATM. They just don't provide the hassle-free security protection that credit cards do. (We got our money back, but it was gone for a few days. If it had been a larger amount at a critical time, it could ...
by jhfenton
Sun Oct 01, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 41
Views: 2850

Re: Vanguard Brokerage Accounts

... 7 brokerage accounts! Is that not a lot to manage and reconcile? 7 sounds OK, after all, married bogleheads are REQUIRED to have: 401k/IRA Spouse 1 Roth IRA Spouse 1 inherited IRA Spouse 1 same 3 accounts for Spouse 2 Joint taxable account, That's 7 accounts minimum and I can add more: 529 plan...
by jhfenton
Sun Oct 01, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 41
Views: 2850

Re: Vanguard Brokerage Accounts

As it is, I just download and save the monthly PDF statements. I use Quicken and download transactions once a week usually on weekends so there is no closing date issues - 4 banking accounts and 7 brokerage accounts. I reconcile about monthly. I have no need to look at any statements at all except ...
by jhfenton
Sat Sep 30, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 41
Views: 2850

Re: Vanguard Brokerage Accounts

We get monthly statements for every account with any activity and quarterly statements otherwise. We do not receive a comprehensive year-end statement. Maybe we are addressing two different things. The "1099_Consolidated_v2016" tax form has detailed income including Dividends, Interest and Capital ...
by jhfenton
Fri Sep 29, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 41
Views: 2850

Re: Vanguard Brokerage Accounts

Bogleheads - I have a few questions related to the Vanguard Brokerage Accounts otherwise known as the "upgrade" that is noted on the website. Overall How has the new brokerage accounts worked for you? Do you like them better than mutual fund accounts? Dividend Income & Fractional Shares Does a brok...
by jhfenton
Thu Sep 28, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 2458

Re: Paid off Debt...credit score dropping and future mortgage

I'm a banker, and I think you are right to be concerned. Typically once you close all your credit accounts, your score will begin to drop after about 6 months and then it will really nosedive all the way to zero over the course of the next year or so. Reports vary and we don't know the exact algori...
by jhfenton
Thu Sep 28, 2017 9:48 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6425

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

This post made me think, when was the last RBD? A year ago, Friday, the 9th of September, 2016 was my last day my portfolio dropped more than 2% (2.41%). On Tuesday, September 13, 2016, it dropped another 1.77%. (It was up 0.73% the day in between.) Since then, there have been a couple of 1.3%-1.4%...