-
This is an M1 Pie using the Betterment SmartSaver portfolio

Betterment Smartsaver-style M1 Pie

Comments

Post a Comment

Popular posts from this blog

More Thoughts on Betterment Vs M1

-
Betterment has a superior user interface in most regards. You can drill down and see how many shares you have in each fund in your underlying portfolio, the charts are reasonably easy to understand and you get a nice bird's-eye view of all of your accounts after logging in. While M1 has a superior fee structure (free!), if you truly want to mimic Betterment, you're probably going to be opening a couple of different accounts. You can lump all of your taxable investments into one account holding multiple pies (similar to Betterment). However - the key difference here is that you can't put money directly into one pie like you can apply funds to a goal at Betterment. Your deposits are distributed by the percentages you allocate to the pie. This can, quite possibly, hinder your investment goals. For example, let's say you have two very different goals in one account - one Savings, one Growth - Your start with $1000 in each pie and the Pie contributions are split 50/...
Read more

Not High on Marijuana Stocks

-
The marijuana industry is starting to shape up as legalization keeps gaining speed in the United States and Canada. Right now, Canada, with nationwide legalization, will look to be the litmus test in terms of publicly traded companies with truly nationwide reach. The United States is quite a bit more fragmented as states have pursued legalization independent of the federal government's authority. In terms of the United States - here's what I'm seeing: Alcohol and Tobacco companies will plant a foot in the market. While there has been a lot of news about marijuana-infused drinks coming out I believe the greater opportunity is in distribution. Large tobacco and alcohol businesses have a significant advantage in operating in multi-state distribution of highly regulated products. The downside I see is that these larger businesses may be slow to enter, giving room for smaller distributors to learn to adapt to multiple regulatory environments. If this is the case, these smal...
Read more

There are a thousand ways to tackle a problem...

-
... and the way to tackle yours may be 1000 + 1 At one point in time I was staring down the barrel of $35,000 in debt. It was a mixture of credit cards, student loans and vehicle loans. That number doesn't seem to large compared to some of the more shocking debt loads people are carrying quite regularly. But when you're making $0, $35,000 looks the same as $100,000 in debt. Thankfully, I found a decent paying job that appreciated my contributions and paid me, relatively, well. When I started to look at where to start paying down my debt, someone suggested Dave Ramsey's debt snowball method. Simply put (to the best of my recollection) - take your highest interest debt and pay it down the fastest while making minimum payments on the rest of your debt. In theory this works great. Over time, you actually save yourself money. But everyone's situation is unique or may require more nuance. One of the issues I had was a cash-flow problem. Between paying bills and living...
Read more