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Subject: "PSA: if you ain't on Betterment, get on it. " Previous topic | Next topic
double negative
Member since Dec 14th 2007
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Mon Mar-30-15 05:03 PM

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"PSA: if you ain't on Betterment, get on it. "
Mon Mar-30-15 05:05 PM by double negative

  

          

https://www.betterment.com/



just set it so you can drop $100 into each month and forget about it.



there are other places that do what this is doing BUT they have a minimum.

this has NO minimum. start investing.

that post about white folks families got me thinking I should share this if we are going to talk about growing wealth.

yer welcome.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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Topic Outline
Subject Author Message Date ID
i know I should click but
Mar 30th 2015
1
please click it!
Mar 30th 2015
3
interesting
Mar 30th 2015
2
i've been researching it. MMM endorses it. *link
Mar 30th 2015
4
      he's probably getting paid to blog about it...
Mar 30th 2015
12
           like most people
Mar 31st 2015
16
It's a passive mutual fund with moderately high fees
Mar 30th 2015
5
the no mininum deposit is cool
Mar 30th 2015
6
a lot of these brokerage houses have no minimum
Mar 30th 2015
11
USAA has no minimum
Mar 31st 2015
22
yep... but this seems less intimidating.
Mar 30th 2015
7
Yeah the interface looks appealing.
Mar 30th 2015
8
am i crazy for not thinking thats a ton of money in the bigger picture?
Mar 30th 2015
9
      yeah because once you get to 30k a year thats $100 a year
Mar 30th 2015
10
           ^^^
Mar 30th 2015
13
           That's still not crazy from my pov, however I get it
Mar 30th 2015
14
           that buck that bought a bottle...
Mar 31st 2015
17
                I totally see you on that
Mar 31st 2015
21
           at 30k the fee is down to 0.25%
Mar 31st 2015
24
I was *just* about to look into investing w/ TD Bank. Then I saw this.
Mar 31st 2015
15
yeah, can people tell us why Vanguard is better?
Mar 31st 2015
18
      ^^^
Mar 31st 2015
19
      look at reply #5
Mar 31st 2015
20
      miminum deposits?
Mar 31st 2015
26
           depending on the product
Mar 31st 2015
27
      i think it's b/c it's non profit
Mar 31st 2015
25
           Vanguard doesn't have a 3k minimum...
Mar 31st 2015
33
really, at the end of the day just pick SOMETHING
Mar 31st 2015
23
Yeah man I have been looking at this kind of stuff recently
Mar 31st 2015
28
RE: PSA: if you ain't on Betterment, get on it.
Mar 31st 2015
29
what about wisebanyan? point is, pick something and START.
Mar 31st 2015
30
      RE: what about wisebanyan? point is, pick something and START.
Mar 31st 2015
31
           word. seems like everybody has an opinion on what to go with
Mar 31st 2015
32
I'm surprised at how fast its moving. Started with 200
Apr 03rd 2015
34
Which goal did you choose?
Apr 03rd 2015
35
agressive + wealth building
Apr 03rd 2015
39
Your best bet is to avoid the temptation to monitor it...
Apr 03rd 2015
36
      im ok with losing money. this is set for wealth building.
Apr 03rd 2015
38
tag
Apr 03rd 2015
37

lfresh
Member since Jun 18th 2002
92693 posts
Mon Mar-30-15 07:07 PM

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1. "i know I should click but"
In response to Reply # 0


  

          

Be patient with me and I know if I do my eyes will cross
How about a summary

~~~~
When you are born, you cry, and the world rejoices. Live so that when you die, you rejoice, and the world cries.
~~~~
You cannot hate people for their own good.

  

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double negative
Member since Dec 14th 2007
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Mon Mar-30-15 07:12 PM

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3. "please click it! "
In response to Reply # 1


  

          

"provides investment advice and diversified, fully automated investment management to customers for less than the typical cost of a traditional financial adviser or wealth manager. All transactions occur online "

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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Crash Bandacoot
Member since May 13th 2003
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Mon Mar-30-15 07:10 PM

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2. "interesting"
In response to Reply # 0


          

need to research it


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
instagram:
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"There is much temptation to use what has worked before,
even when it may exceed its effective scope."

"Roll me further bitch"

  

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double negative
Member since Dec 14th 2007
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Mon Mar-30-15 07:13 PM

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4. "i've been researching it. MMM endorses it. *link"
In response to Reply # 2


  

          

http://www.mrmoneymustache.com/2014/11/04/why-i-put-my-last-100000-into-betterment/

ive also read up on this vs. vanguard

the deal is if you are starting small and thinking long then this is a strong way to lead.

if you are thinking very big it also works, its a lazy way to start building.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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ndibs
Member since Aug 06th 2012
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Mon Mar-30-15 08:08 PM

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12. "he's probably getting paid to blog about it..."
In response to Reply # 4


          

>http://www.mrmoneymustache.com/2014/11/04/why-i-put-my-last-100000-into-betterment/
>
>ive also read up on this vs. vanguard
>
>the deal is if you are starting small and thinking long then
>this is a strong way to lead.
>
>if you are thinking very big it also works, its a lazy way to
>start building.

  

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legsdiamond
Member since May 05th 2011
71055 posts
Tue Mar-31-15 10:39 AM

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16. "like most people"
In response to Reply # 12


          

  

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PimpTrickGangstaClik
Member since Oct 06th 2005
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5. "It's a passive mutual fund with moderately high fees"
In response to Reply # 0
Mon Mar-30-15 07:39 PM by PimpTrickGangstaClik

          

You could do the same thing yourself and it would 3 to 4 times cheaper.

Example: You have $10,000 to invest
For their low end package, the fee is 0.35% per year. So you would pay $35 per year


But the funds they invest your money in have much lower fees:
Vanguard Total Index (VTI) - 0.07%
Vanguard Large Cap - 0.09%
Vanguard Mid Cap - 0.09%
Vanguard Small Cap - 0.09%
Vanguard Emerging market - 0.15%

Their bond funds are similarly low cost too.

Mix that up yourself, you would probably be looking at $10 per year in fees.


But I guess there is the convenience/usability factor.

_______________________________________

  

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Binlahab
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Mon Mar-30-15 07:34 PM

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6. "the no mininum deposit is cool"
In response to Reply # 5


  

          

i mean sharebuilder does the same, but you have to put in $100 a month

some people dont have that


does it really matter?

wonder what bin's doing?
http://i.imgur.com/phECCMp.jpg

  

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ndibs
Member since Aug 06th 2012
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11. "a lot of these brokerage houses have no minimum"
In response to Reply # 6


          

deposit. they just make you pay a fee that amounts to what this website charges you.

with vanguard i put in money whever i want. i can automate it weekly or monthly, stop it during the summer when business is slow and then hide money in that account from the irs in april like i'm doing now.

  

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John Forte
Member since Feb 22nd 2013
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Tue Mar-31-15 11:31 AM

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22. "USAA has no minimum"
In response to Reply # 6


          

  

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legsdiamond
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Mon Mar-30-15 07:35 PM

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7. "yep... but this seems less intimidating. "
In response to Reply # 5


          

  

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PimpTrickGangstaClik
Member since Oct 06th 2005
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Mon Mar-30-15 07:42 PM

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8. "Yeah the interface looks appealing."
In response to Reply # 7


          

Pretty sure they are connected to Mint some how. The website looks exactly the same

_______________________________________

  

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double negative
Member since Dec 14th 2007
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Mon Mar-30-15 07:45 PM

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9. "am i crazy for not thinking thats a ton of money in the bigger picture?"
In response to Reply # 5


  

          

habit of saving formed
automatic rebalancing
getting the ball rolling

you COULD roll your own but, I think to get started this makes a ton of sense

and I get it, there are so many ways to go about this, but this is a solid start, someone like yourself has taken the training wheels off

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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ndibs
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Mon Mar-30-15 08:00 PM

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10. "yeah because once you get to 30k a year thats $100 a year"
In response to Reply # 9


          

in fees for nothing they're doing better than anyone else.

setting up my vanguard account was probably easier than opening a bank account.

i don't know how it could be any easier.

  

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PimpTrickGangstaClik
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13. "^^^"
In response to Reply # 10


          

The only thing this offers over and above what you could very easily do yourself is the initial allocation advice and the re-balancing.

Whether that is worth the fee depends on what's important to you.

_______________________________________

  

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double negative
Member since Dec 14th 2007
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14. "That's still not crazy from my pov, however I get it"
In response to Reply # 10


  

          

It depends on your priorities.

I see both sides

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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legsdiamond
Member since May 05th 2011
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Tue Mar-31-15 10:41 AM

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17. "that buck that bought a bottle... "
In response to Reply # 14


          

when investing people view every cent as the one that could change the game.

it's not a lot of money until you multiply it by X amount of years and compounding interest.



  

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double negative
Member since Dec 14th 2007
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Tue Mar-31-15 11:27 AM

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21. "I totally see you on that"
In response to Reply # 17


  

          

and i get it

but, I think its important to get that ball rolling

you can always switch platforms or go harder once you get started

i just want people to get started

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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sndesai1
Member since Feb 02nd 2013
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Tue Mar-31-15 11:37 AM

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24. "at 30k the fee is down to 0.25%"
In response to Reply # 10


  

          

and at 50k, tax loss harvesting starts which could more than make up for the fee (over time)


but you're right about vanguard being easy to set up - i use it for taxable, ira, and roth ira

  

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Goldmind
Member since Oct 28th 2004
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Tue Mar-31-15 10:38 AM

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15. "I was *just* about to look into investing w/ TD Bank. Then I saw this."
In response to Reply # 0


          

I have little free time or energy to learn the ropes of investing. Automated = ideal. I think I'm sold.

Why did you choose this over Vanguard?

  

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legsdiamond
Member since May 05th 2011
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Tue Mar-31-15 10:43 AM

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18. "yeah, can people tell us why Vanguard is better? "
In response to Reply # 15


          

in dummy language.

  

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SuiteLady
Member since Oct 19th 2004
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19. "^^^"
In response to Reply # 18


  

          

♥ Inescapably Me ♥

"Love is never any better than the lover" Toni Morrison (The Bluest Eye)

  

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Crash Bandacoot
Member since May 13th 2003
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Tue Mar-31-15 11:24 AM

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20. "look at reply #5"
In response to Reply # 18
Tue Mar-31-15 11:52 AM by Crash Bandacoot

          

not saying one is better than the other because i have not
done enough research. looks like betterment may be higher in fees.

vanguard also offers admiral shares (even lower costs) for certain
products with an investment of 10k or more.

  

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legsdiamond
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26. "miminum deposits?"
In response to Reply # 20


          

  

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Crash Bandacoot
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27. "depending on the product"
In response to Reply # 26


          

1k, 3k, 10k, 50k, 100k


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
instagram:
http://instagram.com/0kayndc

"There is much temptation to use what has worked before,
even when it may exceed its effective scope."

"Roll me further bitch"

  

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teefiveten
Member since Oct 02nd 2008
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25. "i think it's b/c it's non profit"
In response to Reply # 18


  

          

i had brunch w/ a friend's mom and she's a financial writer and that's really all she could offer up but she suggested it

but you could easily start a fund somewhere else that doesn't have the $3k min Vanguard has then roll it over to Vanguard when you do

basically all she said was 'do the math'. depending on how you transact, you need to figure out your fees and that may steer you to the right place

*************************************
like.me
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"if the children are not initiated into the village they will burn it down just to feel its warmth." - african proverb

  

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ndibs
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33. "Vanguard doesn't have a 3k minimum..."
In response to Reply # 25


          

https://personal.vanguard.com/us/funds/snapshot?FundId=0308&FundIntExt=INT

This mutual fund has a 1k minimum. I could have sworn some don't have a minimum. But, I don't have time to research now. But either way it's not 3k.

  

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double negative
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23. "really, at the end of the day just pick SOMETHING"
In response to Reply # 0


  

          

start somewhere

do your research, read up, see what looks good.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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ConcreteCharlie
Member since Nov 21st 2002
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Tue Mar-31-15 12:31 PM

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28. "Yeah man I have been looking at this kind of stuff recently"
In response to Reply # 0


  

          

I saw betterment and I like it as a starter but I am thinking more about investing in Vanguard.

I gotta do something. I have pretty substantial savings and about the same amount invested in my business. I went to make a transaction in the account where I have my savings recently and I almost cried how little the "PMA" account had earned me in interest so I opened it a couple years ago. So I am thinking of sinking a good chunk of it into something conservative like Vanguard and then a OK-sized slice into a pretty aggressive mutual fund.

And you will know MY JACKET IS GOLD when I lay my vengeance upon thee.

  

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double 0
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29. "RE: PSA: if you ain't on Betterment, get on it. "
In response to Reply # 0


          

what about wealthfront.com ?

Double 0
DJ/Producer/Artist
Producer in Kidz In The Hall
-------------------------------------------
twitter: @godouble0
IG: @godouble0
www.thinklikearapper.com

  

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double negative
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30. "what about wisebanyan? point is, pick something and START. "
In response to Reply # 29


  

          

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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double 0
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31. "RE: what about wisebanyan? point is, pick something and START. "
In response to Reply # 30


          

lol.. that's what my business manager is for

Double 0
DJ/Producer/Artist
Producer in Kidz In The Hall
-------------------------------------------
twitter: @godouble0
IG: @godouble0
www.thinklikearapper.com

  

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double negative
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32. "word. seems like everybody has an opinion on what to go with"
In response to Reply # 31


  

          

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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double negative
Member since Dec 14th 2007
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34. "I'm surprised at how fast its moving. Started with 200 "
In response to Reply # 0


  

          

probably around 4 days ago and Its already earned $1.30

The balance is set to aggressive so it makes sense.


This will be interesting to observe

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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Goldmind
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35. "Which goal did you choose?"
In response to Reply # 34
Fri Apr-03-15 11:21 AM by Goldmind

          

I just bit the bullet and invested a ton of money. I'm nervous lol

Thanks for the rec!

  

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double negative
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39. "agressive + wealth building"
In response to Reply # 35


  

          

i already have a 401k and a savings account. this is something different.

***********************************************************
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PimpTrickGangstaClik
Member since Oct 06th 2005
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36. "Your best bet is to avoid the temptation to monitor it..."
In response to Reply # 34


          

That is if you are investing for the long run (retirement). It can give you stress and worry your mind even when it shouldn't.

You value going to fluctuate, sometimes dramatically. There will be times where you are down quite a bit. But if you are not a day trader, you are not going to be pulling your money in and out of the market trying to perfectly time the market.

I think it's best to just forget about it and maybe check on it every few weeks or so.

_______________________________________

  

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double negative
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38. "im ok with losing money. this is set for wealth building. "
In response to Reply # 36


  

          

>That is if you are investing for the long run (retirement).
>It can give you stress and worry your mind even when it
>shouldn't.
>
>You value going to fluctuate, sometimes dramatically. There
>will be times where you are down quite a bit. But if you are
>not a day trader, you are not going to be pulling your money
>in and out of the market trying to perfectly time the market.
>
>I think it's best to just forget about it and maybe check on
>it every few weeks or so.
>
>

i get it, if you play the game then you have to be ok with losing at times

I have a savings account and a 401k
this is being treated as a medium term (5 to 10 years, perhaps 10 to 15) source of income.


i am also aware that you have to just step back. I cant remember the study but they realized that some of the best performing stock players were dead people since the dead have a tendency to not take action

so, let that tree do whats its going to do ya know?

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

  

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ShinobiShaw
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37. "tag"
In response to Reply # 0


  

          

http://soundcloud.com/djshinobishaw
http://www.rareformnyc.com
http://twitter.com/DJShinobiShaw
https://twitter.com/RareFormNYC
PSN: ShinobiShaw

"Arm Leg Leg Arm How you doin?" (c)T510

  

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