As a personal finance blogger since 2009, I’ve often been asked what is my best financial advice I can give someone at any stage in their financial independence journey. You’re in luck, because here are my top three pieces of financial advice everybody should follow. The Best Financial Advice Out of all the financial advice […]
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Let’s look at the percentage split between active and passive fund management. Conventional wisdom says that active fund management has a hard time outperforming passive fund management over the long term. Therefore, one would expect a growing percentage of passive funds overall. According to Bank of America Merrill Lynch, passively managed funds has risen to
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If you want to get rich you need to go where the highest paying jobs are. Highest paying jobs come from the fastest growing, economically strongest companies. Let’s look at the highest paying cities in the world. Nowhere in the world has a more vibrant economy than San Francisco. Average salaries in San Francisco have
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The best hybrid robo-advisor is Personal Capital because there’s really only one hybrid robo-advisor today. From its founding in 2008, Personal Capital always believed in the hybrid approach of digital algorithmic investing with financial advisors. Why do people pay up for an Apple laptop when they can buy a generic PC for 50% cheaper? The
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I published this post originally on July 25, 2019 and by golly, my prediction perfectly came true. Then, I published in March 2020, How To Predict A Stock Market Bottom, and that came true too. I invested about $200,000 into the stock market and also decided to buy a forever home right after lockdowns. But
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Reaching the maximum limit for 401(k) contributions of $19,500 for 2021 and contributing an additional $6,000 for those 50 and older is no easy task. Let’s look at what percentage of people max out their 401(k). Only 13% of participants maxed out their 401(k) in 2017 (when the limit was $18,000), according to a 2018
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Some people have asked, “Why pay an ongoing 0.25% annual fee to Wealthfront for building a Vanguard portfolio, when I can just build my own Vanguard portfolio for free?” This post will discuss Wealthfront or Vanguard to build your investment portfolio. It’s a good question that’s worth exploring in this post. Wealthfront is a leading
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Robo advisors make money by charging fees based on your assets managed. The fees are much lower than traditional wealth advisors. But there are fees all the same. Let’s take a look at the latest robe advisor fees and investment minimums from the top platforms. Robo advisory firms have exploded in popularity due to a
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In the financial technology (Fintech) industry, two applications continue to stand as the powerhouses: Personal Capital and Wealthfront. Both aim to install simplicity into wealth management. Both are accessible from anywhere in the world that has an Internet connection. This post compares Personal Capital vs Wealthfront for your retirement needs. Personal Capital vs Wealthfront In
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There’s no one-size-fits-all best age to get life insurance. However, I believe the best age to get life insurance is around age 30. And the best life insurance term to get at around age 30 is a 30-year term life insurance policy. If you get life insurance at 30, you will likely get the best
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