AUTHOR: Enrique Romo on 7/7/2025 FIRST: mytimetotravel on 7/7 | RECENT: Chris Wieser on 7/13
Comments
As always Mr. Grossman---an article of great value. Question---do you feel the target date ETFs (Schwab 2035 for instance) are over-managed/too much cost? I have viewed them as a cheap way to rebalance but interested in your view?
They claim/claimed to be fee for service---we paid a flat fee for a plan--not because we needed investment advice but because wanted help with a Roth conversion strategy and some help with future real estate matters (downsizing current---buying two smaller places in different locales) and what we have received so far is a recommendation to "simplify" our different 401k accounts presumably into accounts they would manage because they "can do better" than we have been doing (75% of our stuff is in Schwab timed ETFs and the rest in single equities such as Berksire and Apple). By the way, their projections for our the lifetime of our investments uses a 6.25% market growth average.
Thanks for this article Mr. McGlynn---question for you---our family fully funds its HSA but due to my son's chronic health condition we spend it to zero every year. In this situation, are you suggesting leaving the HSA untouched and spending hard dollars to cover expenses?
Comments
As always Mr. Grossman---an article of great value. Question---do you feel the target date ETFs (Schwab 2035 for instance) are over-managed/too much cost? I have viewed them as a cheap way to rebalance but interested in your view?
Post: Inventing Problems
Link to comment from September 6, 2025
They claim/claimed to be fee for service---we paid a flat fee for a plan--not because we needed investment advice but because wanted help with a Roth conversion strategy and some help with future real estate matters (downsizing current---buying two smaller places in different locales) and what we have received so far is a recommendation to "simplify" our different 401k accounts presumably into accounts they would manage because they "can do better" than we have been doing (75% of our stuff is in Schwab timed ETFs and the rest in single equities such as Berksire and Apple). By the way, their projections for our the lifetime of our investments uses a 6.25% market growth average.
Post: ETFs versus Assets Under Management
Link to comment from July 7, 2025
Mytime---what's the difference in threat of exposure between Musk and the other 10s of thousands of government employees that have access to our info?
Post: A Tax Filing Conundrum
Link to comment from February 22, 2025
Thanks for this article Mr. McGlynn---question for you---our family fully funds its HSA but due to my son's chronic health condition we spend it to zero every year. In this situation, are you suggesting leaving the HSA untouched and spending hard dollars to cover expenses?
Post: Healthy Gains
Link to comment from April 24, 2021