Author Archives: Ex-Cog

Change

Life repeats itself mindlessly — unless you become mindful, it will go on repeating like a  wheel. That’s why Buddhists call it the wheel of life and death — the wheel of time. It moves like a wheel: birth is followed by death, death is followed by birth; love is followed by hate, hate is followed by love; success is followed by failure, failure is followed by success. Just see! Continue reading

While You Were Busy Sleeping, Vanguard Wasn’t…

But, at what point do we see a big bank or brokerage firm (where TRILLIONS of dollars and MILLIONS of accounts are NOW) decide, “Hey, maybe we should offer a robo-advising service too?” Within a year or two using some simple reverse engineering, hugely profitable balance sheets, massive infrastructure, and tons of people…RoboGroup lives. What, you think they’re busy eating crayons? You think they don’t get the same “Millenials hate everything” reports? No, they’ll move when they want to. They’ll move when they see it’s profitable.

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FutureAdvisor 13F Snapshot

I’ve been doing some research and thought I’d share this. Disclaimers… Not investment advice, not necessarily free of errors. Using Morningstar and latest 13F (as of 12/31/14). Benchmarked against S&P 500 (total return)

FutureAdvisor 13F

 

 

 

Wealthfront 13F Snapshot

I’ve been doing some research and thought I’d share this. Disclaimers… Not investment advice, not necessarily free of errors — I also substituted an equal amount of dollars as SPY once individual stock positions started getting smaller because these positions are from their tax-loss harvesting software, designed to basically mimic the S&P 500 (you can call me lazy, but I didn’t want to enter another 399 positions).

Using Morningstar and latest 13F (as of 12/31/14). Benchmarked against S&P 500 (total return)

Wealthfront 13F

 

Betterment 13F Snapshot

I’ve been doing some research and thought I’d share this. Disclaimers… Not investment advice, not necessarily free of errors. Using Morningstar and latest 13F (as of 12/31/14). Benchmarked against S&P 500 (total return)

 Betterment 13F