quan nguyen

Comments

• My perception of this article is that it calls for the readers to stop the "Overpaid" accusation, and to support the independent medical practices. It re-opened the argument that the author had back in April 2025 as a response to another author's personal story. This forum has made it clear that most readers found the US healthcare system to be dysfunctional. Reopening the call to stop accusations is not likely to be move the perception one way or another, at the cost of more debates. In my opinion, "overpaid" accusation is NOT a financial debate, but an emotional reaction by frustrated healthcare recipients against the system, and the practitioners are the face of such system. Sympathetic listening would be far more satisfactory to both sides than defensive posture with facts and figures. The value of independent medical practice should be apparent to both the providers and the beneficiaries without showing the ugly side if bureaucratic insurance snafu, which is beyond the concern of the people already distressed by the illness and financial implications. There are creative solutions that stay quite far from this forum. I do find the educational value in this article. But my head hurts with a reflection why vast numbers of providers are burn out.

  Post: Overpaid?

  Link to comment from January 19, 2026

• YW. I am equally curious. Invesco S&P 500 Equal Weight ETF (RSP) is the most famous for being the anti - concentration ETF (looking at you SPY, VOO and other cap-weighted S&P 500 indices). In up years, RSP trails badly behind SPY (2023 SPY up 26%, RSP up 14%). One down year 2022, it suffered less (-12% vs SPY -18%). RSP covers all top 500 companies, but none is allowed to win.

  Post: Market Concentration in Index Funds

  Link to comment from January 17, 2026

• VT follows FTSE Global All Cap Index and the index itself is dominated by large growth companies (the index is designed with market capitalization weighting factor). VT composition is made with over 9,000 stocks, covering all 9 Morningstar style box but not equally. It reflects the world of tradable stocks as it is: the top 10 growth companies dominate the index, and a thin long tail of mid-cap and small-cap stocks; hence, market concentration.

  Post: Market Concentration in Index Funds

  Link to comment from January 17, 2026

• Those who ask "what can I do" must have concluded that action is needed. I came from a different perspective "should I do anything?" For my millennial children or legacy accounts, I would ignore such notice like the Fidelity letter. A thirty-year investment horizon will smooth out these noisy signals. There has never been a shortage of market correction predictions—past or present—yet the long-term trend of the S&P 500 remains undefeated. For those who might be affected by sequence of return risk, the big picture remains: market volatility is built-in. We see 5% or more market swings every year, and they are not predictable. Hardly anyone could see the DeepSeek moment in January 2025 when the tech stocks plunged then rebounded. It's the suitable asset allocation all the way. The urge to change means the investor is not a satisficer, but an optimizer. For me, I am not arsing around with my legacy funds. [I learned to speak a new language from Mark :) ]

  Post: Market Concentration in Index Funds

  Link to comment from January 15, 2026

• I wouldn't dare. You are not arsing around, but you do the hard work of sitting on your rear, thinking hard to protect your bottom line.

  Post: Should I Lock in CD Rates Now or Stay in Money Market?

  Link to comment from January 13, 2026

• The choice between fixed-rate CD and flexible-rate money market yield is for the 'optimizer' to figure out, while the 'satisficer' sleeps. The former wants safe and highest yield, while the latter settles for safe yield with simplicity and flexibility. The middle could be CD for fixed spending in 24 months, and money market money for flexible spending / investing between now and the future. The current CD and money market rate difference is far less than 1%. A 1 percent differential between CD and money market fund is 10K for a million-dollar principal over one year, i.e. the liquidity premium - a subjective value (before taxes).

  Post: Should I Lock in CD Rates Now or Stay in Money Market?

  Link to comment from January 13, 2026

• Those "hack" notifications are concerning. They could be factual or scams to prompt us to log in to our accounts but at a fake website!

  Post: Schwab or Vanguard?

  Link to comment from January 12, 2026

• Personal experience: 1) Fidelity website offers Money Transfer Lock for taxable and rollover IRA, not for 401K accounts. The lock prevents fraudulent ACAT transfer, and may be toggled on/off as needed. Fidelity sends alerts to phone and emails for transactions with appropriate settings. 2)Schwab locks down only with a call from customer, but it offers Schwab Security Guarantee for fraudulent transfer. Schwab sends alert ONLY if Schwab Mobile app is downloaded and phone number activated with alerts set to ON. 3) Vanguard: no experience. A website called independentvanguardadviser says customer must call or is required to mail in the lockdown request with account number and hand signature. NY Times had a report of IRA transfer theft (October 3, 2025).

  Post: Schwab or Vanguard?

  Link to comment from January 12, 2026

• Thanks Chris. It brings back beautiful memories of young families: taking the kids to music lesson, sports, or Scout outings. None of my extended family has kids in those age groups anymore :)

  Post: Warm Heart Cool Head and Cold Cash

  Link to comment from January 11, 2026

• Thank you for the annuity idea. My thinking goes overdrive and imagines that an annuity that pays regularly to a special needs trust would combine several benefits: preventing quick depletion of the principal, non-interfering with Medicaid / SSI eligibility, maintaining incentive for recipient to be independent, paying for supplemental needs under tight conditions.

  Post: Warm Heart Cool Head and Cold Cash

  Link to comment from January 11, 2026