Search found 113 matches

by MittensMoney
Fri Jul 08, 2016 10:28 am
Forum: Investing - Theory, News & General
Topic: What Portfolio analysis tool do you use?
Replies: 22
Views: 1894

Re: What Portfolio analysis tool do you use?

I use Personal Capital to analyze my portfolio. The setup is easy if you link your accounts, or you can simply enter in each position manually.
by MittensMoney
Tue Jul 05, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Betterment Stock/Bond Ratio Question
Replies: 5
Views: 1032

Re: Hypothetical Betterment Stock/Bond Ratio Question

How old are you? Do you have emergency savings (i.e. won't need to access this money til retirement)? If you have a long investment timeline and won't need to touch the money until retirement, why even consider a conservative allocation? The price for that smoother ride is extremely high. Stocks out...
by MittensMoney
Thu Jun 30, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if I should dump a loser stock
Replies: 28
Views: 1813

Re: Please help me decide if I should dump a loser stock

At least you learned a lesson! However, I think you made a mistake by not holding onto the stock after making the initial mistake. Selling low and buying into bonds is exactly the type of fear-based reaction you should avoid.
by MittensMoney
Fri May 06, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Netspend 5% Saving not showing on personal capital
Replies: 8
Views: 1158

Re: Netspend 5% Saving not showing on personal capital

Netspend may not be supported by PC. Smaller, newer, or less common institutions don't always get supported because establishing and maintaining connections with each financial institution can be demanding, so they'll focus their efforts based on need. I'm waiting on Robinhood to get a connection, h...
by MittensMoney
Fri Apr 08, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital "Your Portfolio Is Not Well Diversified"
Replies: 13
Views: 2658

Re: Personal Capital "Your Portfolio Is Not Well Diversified"

They're most likely referring to your sector allocation. Common indexing in low cost ETF's are market-cap weighted, and will not only skew your portfolio towards Large Cap, but also towards Tech & Financial Services companies because they are the largest in our economy. Personal Capital will recomme...
by MittensMoney
Tue Apr 05, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital says I'm way off track..what do you think?
Replies: 51
Views: 8995

Re: Personal Capital says I'm way off track..what do you think?

So they took 10 asset classes and decided it made sense to divide them up equally and give 10% to each one based on…what? Some theory that round equal numbers will improve performance? Just wanted to point out that the theory behind this asset allocation is called Modern Portfolio Theory, which ear...
by MittensMoney
Mon Mar 28, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Paychex 401k with no match
Replies: 3
Views: 691

Re: Paychex 401k with no match

You'll need to do some math, it can work out differently depending on your income and tax bracket. Qualifying 401k contributions can reduce your taxable income, which can be more beneficial in the short-term. However, expense ratios across a long-investment time period could make investments in Vang...
by MittensMoney
Mon Mar 28, 2016 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investing Help - $200k
Replies: 10
Views: 1798

Re: Need Investing Help - $200k

Wealthfront and Betterment won't offer a human advisor to guide you financially. Consider either Personal Capital or Vanguard, they will invest your savings in a smart way and also offer financial planning advice in other areas. Both have fee's but will offer smart investment strategies, 'free' advi...
by MittensMoney
Mon Jan 25, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital
Replies: 39
Views: 8648

Re: Personal Capital

I am considering them along with the other robo-investor firms. Has anyone figured out why PC charges much more of a service charge than the other robo firms? 0.89% for the first $1m is very high compared to Wealthfront (0.25%) and FutureAdvisor (0.5%). Do they do anything that makes them worth the...
by MittensMoney
Wed Dec 09, 2015 10:21 pm
Forum: Investing - Theory, News & General
Topic: Robinhood - opinions
Replies: 39
Views: 8226

Re: Robinhood - opinions

If you *think* you want a market order, what you really want is a marketable limit order. Otherwise you will find yourself getting robbed by the piranhas, or worse in the event of an unlucky market failure/liquidity event. That's a great point, I'll be sure to place limit orders which will guarante...
by MittensMoney
Wed Dec 09, 2015 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Personal Financial Roadmap
Replies: 7
Views: 2107

Re: Personal Financial Roadmap

What sort of match does your wife receive on her 401k contributions? A higher expense ratio fund can be a drain long-term but frankly it still makes sense to eat that cost if the company is contributing, otherwise you're simply leaving money on the table. Also, have her check with her employer regar...
by MittensMoney
Tue Dec 08, 2015 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy- am i doing things right!
Replies: 8
Views: 1425

Re: Investment strategy- am i doing things right!

Looks like you are doing a lot of things right! How are the Stocks in your 401k allocated? It's fine to be Aggressive with 20+ years to go before retirement, but in terms of balance between 401k allocation, Target Date 2040 funds, etc., you should keep an eye on how skewed you are towards Tech & Fin...
by MittensMoney
Mon Dec 07, 2015 11:18 pm
Forum: Investing - Theory, News & General
Topic: Robinhood - opinions
Replies: 39
Views: 8226

Re: Robinhood - opinions

I've loved Robinhood so far. At the age of 25 I need an outlet for my passion for the markets. Unfortunately, buy and hold within my 401k, Roth IRA, and regular brokerage account can't provide that outlet (could, but the long-term investor in me wouldn't allow it). The cool thing is, this year has h...