2/ I would keep in mind that your situation will dictate how conservatively/aggressively you should invest. If you think you'll need the money soon, you might consider low-risk options at Betterment such as our 0% stock allocation or our Cash Reserve account.
So @Betterment recently launched Smart Saver, a low-risk investment allocation that yields interest/dividend income comparable to FDIC-insured deposit accounts.
Looks like this is a way for #fintech to offer "savings-like" accounts w/o needing a bank charter.pic.twitter.com/RSzVRE39PO
2. Either you support Tun Mahathir’s #PenyatuanNasional and work together towards the betterment of Malaysia, or
Still push for snap election which you may or may not win and risk becoming opposition at least for the next few years more - while your war chest is running low
I am getting 2.25% on bank IRAs, 12 month GUARANTEED and NO risk. Why would anyone want to trade that for. “lowrisk” at a lower rate? That is “forward thinking”? Oh yes, and almost the same for a 6 month IRA ata 2nd bank.
Well I’m using it as a savings account but it’s actually just lowrisk investments in betterment. I’m getting about 6.4% back. So basically I don’t have money in checking. I have an emergency fund and my savings(401k, Roth IRA, lowrisk investments)
Hi Michael! All funds are invested when you deposit into Betterment and we don’t currently hold any cash. We do offer a low-risk 100% bond portfolio called Smart Saver that reduces market exposure and has low expected volatility. Learn more here: https://www.betterment.com/smart-saver/
@Betterment let me down In many ways this week.
- poor availability on phone support
- they removed their lowrisk portfolio option
- they use a “tax warning” popup that caused me delay in derisking my portfolio- costing me at least 10k loss
However Yitong makes a good point in his original tweet. What would the @Wealthfront / @Betterment of crypto look like?
And over the next decade how will it compare to trad fi? I think it might actually outperform with a decently lowrisk profile.
Same as it ever was, same as it will be:
- take risk in proportion to time horizon
- actively manage taxes
- keep costs low
- never panic
- make computers do the boring work
- work like your friends and family count on you (they do)
Another investment tool I use is Betterment. I have it on high risk 90% stock/10% bond and it has done well. Low fees (0.25%) if you deposit $100/mo
Get 90 days managed free when you invest smarter with Betterment. Terms apply. https://www.betterment.com/invite/williamcouturiaux…