tag:blogger.com,1999:blog-2980246226076317453.post5679693280931580161..comments2024-03-18T15:29:55.472-07:00Comments on Done by Forty: Should We Pay Personal Capital to Advise Us?Done By Fortyhttp://www.blogger.com/profile/06246597867355460723noreply@blogger.comBlogger92125tag:blogger.com,1999:blog-2980246226076317453.post-69908312567967426042024-01-16T05:19:54.517-07:002024-01-16T05:19:54.517-07:00Buy verified Cash App accounts. A blue verificatio...Buy verified Cash App accounts. 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Stopping by your blog helped me to get what I was looking for. <a href="https://topseowork.com/service/buy-facebook-reviews/" rel="nofollow">buy facebook recommendations</a><br />Philip Piercehttps://www.blogger.com/profile/07475452636071932788noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-12238470608869275022019-09-03T10:24:12.749-07:002019-09-03T10:24:12.749-07:00I was reading some of your content on this website...I was reading some of your content on this website and I conceive this internet site is really informative ! 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We are on the verge of hiring them in the 1m-3m range. Thanks Anonymoushttps://www.blogger.com/profile/15585441501771393551noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-55875887619703445322018-01-27T12:54:05.820-07:002018-01-27T12:54:05.820-07:00I feel like fees reduced by increased AUM is prett...I feel like fees reduced by increased AUM is pretty common (and has been for the couple of years, I have been aware of the practice).Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-18266811236383133172017-11-25T17:09:37.403-07:002017-11-25T17:09:37.403-07:00I just had my free consultation with them last wee...I just had my free consultation with them last week. I found the equal sector weighting to be very interesting, as I'm a bit concerned with how much of our portfolio is in name-brand mega-cap companies right now (Apple, Google, etc) as opposed to undervalued smaller companies.<br /><br />Although the idea of equal-sector weighting is nice, I can't find any data supporting it. Plus it really changes the nature of your portfolio from tracking the market to trying to beat the market. <br /><br />And when I dug in, I realized that any outperformance was likely due to increased exposure to small-cap and value stocks. I wrote about this in-depth here: http://codyaray.com/2017/11/personal-capitals-tactical-weighting-approach<br /><br />In short, Tactical Weighting overweights mid-cap by 2% and small-cap by 11%, and overweights value stocks by 1%. This should account for any outperformance. Better absolute performance, but roughly equal risk-adjusted performance. In short, more risk, more reward. <br />codyarayhttps://www.blogger.com/profile/15094291153819178288noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-61597731233944218762017-11-05T15:07:14.675-07:002017-11-05T15:07:14.675-07:00I think PC maybe offering a valid service. We are...I think PC maybe offering a valid service. We are moving a part of our portfolio over and will look that moving more based upon ongoing performance. We've tried to manage our funds for years and they tend to get out of balance. The tactical weighting seems like a sound emotion free option for keeping things in balance. Their tax loss harvesting sounds like it will potentially cover a good part of our costs too. Anonymoushttps://www.blogger.com/profile/00080889502183582769noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-60720049803965197452017-09-30T09:20:25.123-07:002017-09-30T09:20:25.123-07:00No, they definitely would not.
As soon as your as...No, they definitely would not.<br /><br />As soon as your assets tip $100k, expect a call. That's their model.Done By Fortyhttps://www.blogger.com/profile/06246597867355460723noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-53139405449325872352017-09-30T09:19:46.116-07:002017-09-30T09:19:46.116-07:00It's a tough call as to whether the advice rec...It's a tough call as to whether the advice received even covers the fee for AUM, in my opinion.<br /><br />For me, I'm perfectly fine paying a flat fee for a CFP to create a plan, or charge me hourly for advice.<br /><br />But the idea of the fee being determined by the amount of money I have acquired seems scammy.Done By Fortyhttps://www.blogger.com/profile/06246597867355460723noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-81468026652097288122017-09-29T10:12:53.298-07:002017-09-29T10:12:53.298-07:00Set up an interview call for next week after recei...Set up an interview call for next week after receiving a PC solicitation call. The rep told me that their fee is 0.89% up to $1M and 0.79% if you invest between $1M&3M. We'll see how it goes, but after reading everything on this blog, I'm very hesitant. One of the best suggestions above is to let them work with $25K for a year and compare. I've never allowed anyone to manage my accounts (suspicious and paranoid), since I joined AAII in about 1979. An excellent educational organization with myriad resources. jd99https://www.blogger.com/profile/14673105616363706800noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-82280140121775917312017-08-28T11:05:51.532-07:002017-08-28T11:05:51.532-07:00I signed up for Personal Capital and within hours ...I signed up for Personal Capital and within hours started getting high-pressure calls to schedule a "financial consultation." I fired Personal Capital immediately. If they're trying to look like slimy hucksters, that's a great way to do it.Bill Dyszelhttps://www.blogger.com/profile/08863109469690482242noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-52312305697796866612017-03-21T13:00:42.743-07:002017-03-21T13:00:42.743-07:00It galls me to pay taxes on capital gains of a fun...It galls me to pay taxes on capital gains of a fund that has lost value. MF can create tax problems of their own.stormhttps://www.blogger.com/profile/12723060170933627482noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-31056106555941763612017-03-21T12:55:41.237-07:002017-03-21T12:55:41.237-07:00PC has a function that evaluates the fees on the m...PC has a function that evaluates the fees on the mutual funds you are holding. Many are over 1%. The MF prospectus does not necessarily list them all.stormhttps://www.blogger.com/profile/12723060170933627482noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-11887216093703382182017-03-21T12:44:02.161-07:002017-03-21T12:44:02.161-07:00I am sure you could set up more than one account w...I am sure you could set up more than one account with PC to accommodate multiple portfolios.<br /><br />stormhttps://www.blogger.com/profile/12723060170933627482noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-1780422789800321672017-02-17T08:46:26.925-07:002017-02-17T08:46:26.925-07:00Enrolled in PCap. free online tools and now they d...Enrolled in PCap. free online tools and now they don't stop calling me...I wonder if they would call me if my net worth was only a couple bucks!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-88990809391015654342016-11-10T22:28:08.645-07:002016-11-10T22:28:08.645-07:00FYI I had a call with Personal Capital today and t...FYI I had a call with Personal Capital today and the discussion was all around ETF's (for the stock side - they recommended a much broader diversification including bonds and other assets).Andrew Milerhttps://www.blogger.com/profile/06263475416850154092noreply@blogger.comtag:blogger.com,1999:blog-2980246226076317453.post-20960461986536307412016-10-01T10:39:53.860-07:002016-10-01T10:39:53.860-07:00It is hard to ignore the performance of the highes...It is hard to ignore the performance of the highest rated moderate allocation funds like TRP Capital Appreciation, Vanguard Wellington and American Funds Balanced Fund of America when analyzing our own DIY attempts at diversification or Personal Capital's performance. I just checked Vanguard Wellington's performance against all of Personal Capital's portfolios and Vanguard Wellington beat them all 2012-2016 6/30. Albeit by a slim margin. Personal Capital seems to stack up well against great moderate allocation funds. Performance last couple of years below the allocations funds however. <br />Kevinhttps://www.blogger.com/profile/17341355344060291257noreply@blogger.com