Vanguard has an interesting whitepaper called Automatic Enrollment: The power of the default [pdf]. It takes effort to make a choice beyond the default setting. Doing nothing is always easier. Behavioral economics is still gaining popularity and … [Read the rest]
The official IRA contribution deadline for Tax Year 2021 is April 15th, 2022. However, I choose to use April 15th as the informal deadline for my same-year IRA contributions (Tax Year 2022). By around April 1st, I have usually finished filing my … [Read the rest]
The WSJ article Why Target-Date Funds Might Be Inappropriate for Most Investors (free gift article) discusses new research using "deep learning" artificial intelligence to find the optimal asset allocation over time. There are several interesting … [Read the rest]
Rates are rising... slowly. Marcus Bank has a 10-month promo CD paying 1.10% APY ($500 min, early withdrawal penalty is 90 days of interest). Ally Bank has a 14-month promo CD paying 1.00% APY (No min, early withdrawal penalty is 60 days of … [Read the rest]
After a delay of two years, my family finally used up our flight credits and stash of hotel points to travel internationally to Vancouver and Whistler, British Columbia for some snow-filled fun. I was a bit worried about how well my "budget" … [Read the rest]
I'm a old fart now, but if I am going to keep most of my net worth somewhere, I want it somewhere that if I called their phone number, I'd be confident to have a knowledgable human pick up the phone and help me with my problem. That means Vanguard, … [Read the rest]
Amazon has a targeted promotion of $10 off $20+ purchase when you try out an Amazon pickup point, which include in-store pickup counters (like Whole Foods) and self-service Amazon Hub lockers. Enter the code 10OFFPICKUP and select an Amazon pickup … [Read the rest]
Morningstar has published their 2022 Diversification Landscape (direct link?, but free with email), another useful whitepaper for DIY investors that looks closer at the correlations between different asset classes. The first three sentences quoted … [Read the rest]
Here is an article about dividends by Capital Group. I didn't really find the analysis very actionable, but I did like their chart that tracked the historical yields of the S&P 500 index, the MSCI ACWI index, and 10-year US Treasury bonds from 2000 … [Read the rest]
New deal March 17th, 2022. The US Mint regularly releases limited-edition coins to collectors. The coin sets are often limited to one per household, but end up with a market value greater than the initial cost. PFS Buyers Club is a website broker … [Read the rest]
Christine Benz at Morningstar has helpfully compiled the 7 to 10-year forecasts for major stock and bond asset classes from some huge investment firms that collectively manage trillions of dollars. The problem is... they are all over the … [Read the rest]
[Programming note: This week is our Spring Break, so I have scheduled some interesting charts that I've put aside as they provided interesting "food for thought". Comment moderation and e-mail replies will be delayed.] Here is an interesting … [Read the rest]
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