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For one of my IRA's, my advisor gets .25% which is included in the published expense ratio.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
Mine: 1995 318ti Club Sport; 2020 C43; 2021 Sahara 4xe 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i; 2018 330i xDrive
Mine: 1995 318ti Club Sport; 2020 C43; 2021 Sahara 4xe 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i; 2018 330i xDrive
2020 Ascent Limited, 2024 Subaru Legacy Sport
I suspect I should have been paying more attention.
2020 Ascent Limited, 2024 Subaru Legacy Sport
Same for Schwab
If you have enough assets, they'll set you up with some basic guidance and advice for free. If you have a lot of assets, they'll do financial planning and run your account for a very small amount, compared to most "private wealth" advisors.
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2020 Ascent Limited, 2024 Subaru Legacy Sport
2020 Ascent Limited, 2024 Subaru Legacy Sport
If you only gained 6% with your American Funds for 2020, they must have been, at the very least, really conservative choices. Or some part of it had a very bad year.
I have an advisor, but I manage my own funds.
2018 430i Gran Coupe
jmonroe
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
jmonroe
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
2018 430i Gran Coupe
2014 Malibu 2LT, 2015 Cruze 2LT,
Now here is a thought, the worlds population is 7.8 billion, so if you're a one in a million person there are still 7,800 others just like you.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
The only way to avoid loss of value would, as you say, to buy individual bonds directly. I think that might be where professional help would be in order. Back in the 70s I would buy Treasury bills through my bank. I don’t know anything about how to select individual bonds either corporate or government.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
2020 Ascent Limited, 2024 Subaru Legacy Sport
@ronsteve Need some more zeros there! Actually down to .00001%, i.e. the top 1% of the top 1% of the top 1%!
Much appreciated.......I'll have to explain to Mrs D how very special I am.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2021 Genesis G90
I think the new guideline is (age minus 10 years) for percentage in bonds.
But, my asset allocation is pretty aggressive. When I worried about my money lasting as long as I do, I figured I would be paring back on stocks, as I aged. I'm pretty certain that won't be a problem, so now my goal is total return. With that in mind, it's hard to make a case for bonds over stocks, when you look out 20-30 years.
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2017 MB E400 , 2015 MB GLK350, 2014 MB C250
We haven't done that for years because bonds pay so little.....so we are the opposite, 30% - 35% secure, and that has worked out well. Unless bonds change......stick with stocks.
But we do have dividend paying stocks, so that if the market tanks we still have enough income to live on....I don't want to be eating dog food in my retirement years.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
The E had a complete prepaid A Service last year. The monitor said I was due for a B Service which I think costs about $500. Here is what is on a B service;
Everything on the A Service:
Function Check:
Check Tele-Aid by pressing SOS button to make test call to response center.
Horn, headlamp flasher, hazard flasher, turn signals
Warning/indicator lamps, illumination and interior lighting
Exterior lighting incl. headlamps
Windshield wiper, windshield washer system
Headlamp cleaning system
Check Sensotronic Brake Control (SBC) hydraulic unit
Reset FSS counter in instrument cluster
Wheels, Brakes:
Check brake pads for lining thickness front (remove right front wheel)
Check tires for damage and condition
Correct tire inflation
Engine Compartment:
Engine oil and filter change
Check and correct fluid level:
Windshield washer system
Starter battery, wet cell (located at R/H strut) Check battery acid level, replenish
Additionally, check battery using "Midtronics MCR 717" tester. Attach Midtronics MCR 717 Test Report print out here.
Clean water drain in air/water duct
Lubricate catch, safety catch and hinges on engine hood for proper operation. Replace components with even the slightest malfunction.
Front, rear of vehicle:
Check wiper blade condition
Vehicle passenger compartment
Check seat belts for damage and proper function
Replace combination filters (2)
Wheels, brakes
Remove and reinstall wheels, rotate if necessary, does not apply for vehicles with different tire sizes front/rear
Check brake pads for lining thickness front/rear
Check condition of brake discs front and rear
Measure tread depth, enter in mm
Vehicle underbody:
Visual check for leakage - major components
Check condition of front axle ball joints and rubber boots
Check condition of steering's mechanical components and rubber boots
Engine compartment:
Visually check for leakage - major components
Check and correct fluid level:
Active Body Control (ABC)
Power steering
Check condition of poly-V-belt
Additional work:
Every 50,000 mi/80,000 km or 4 years:
Check condition of drive shaft flex discs
Every 60,000 mi/96,000 km or 4 years:
Replace air cleaner filter element
Every 60,000 mi/96,000 km or 5 years:
Replace fuel filter
Every 150,000 mi/250,000 km or 15 years:
Replace coolant
Every 2 years:
Replace brake fluid
Check body for paint damage
Check chassis and supporting body parts for damage and corrosion
Every 100,000 mi/160,000 km or 5 years:
Replace spark plugs
Since I only did half a years worth of driving and the car only has 28k miles, I did an oil change, check tires and check fluid levels. Cost $250.
I wonder how many people go by the actual service plans and how necessary is it? I don't even think the prepaid plan is worth it if you aren't doing at least average driving a year. Though, with the prepaid plan you should have no problems no matter what goes wrong - then they guaranty everything completely and that is worth something.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2018 430i Gran Coupe
The old car gets a LOF and general inspection every year.
I do keep notes of what was done and what to do next time, for example the 2014 C250 had brake fluid changed in 2020.....supposed to be done in 2 years and that might get done because sitting around in the heat might have an affect. But, a lot of those things they do are make work projects....I mean check all the lights...how often does a light go and don't you usually find out about it pretty quickly? Or, you can do it yourself for less than their hourly labor charge.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
As for other fluids, I change the DOT 4 every two years on my street cars and every six months if they see the track. Coolant is changed every two years using BMW/Mini coolant.
Transmissions(automatic or manual) get a 60,000 mile change interval. Ditto for final drives and transfer cases.
Mine: 1995 318ti Club Sport; 2020 C43; 2021 Sahara 4xe 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i; 2018 330i xDrive
Mine: 1995 318ti Club Sport; 2020 C43; 2021 Sahara 4xe 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i; 2018 330i xDrive
2018 430i Gran Coupe
jmonroe
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
https://daytondailynews.com/local/just-in-lead-d-day-invasion-plane-to-land-at-air-force-museum/S5DXPGCGQVDJTLDQAC43DXNJR4/
2014 Malibu 2LT, 2015 Cruze 2LT,
jmonroe