True, because most funds don't last even 20 years before they're merged

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Jun 1, 2016
7:52:53am

Cougarrrs Walk-on

into other funds.

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Cougarrrs

Bio page: Cougarrrs
Joined: Sep 29, 2014
Last login: Oct 25, 2016
Total posts: 6,307 (16 FO)

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Messages

Author

Time

If you don't know how to start investing and only have $100/month (w/links)

Acorn

6/1/16 6:28am

Thanks for the info. I have wanted to start, but it is a daunting task

phageman

6/1/16 6:37am

Dave Ramsey always quotes that $100 a month for 40 years will make you a

TheLoneCougar

6/1/16 6:50am

12 percent is quite the annual return.

Random Walk

6/1/16 6:53am

There are a number of funds that achieve this.

Cougarrrs

6/1/16 7:25am

Uhmm, you're backtesting your investment strategy over a pretty significant

My Soapbox

6/1/16 7:39am

I only used 5 years because my Morningstar subscription expired a while back.

Cougarrrs

6/1/16 7:43am

12% over 40 years would indeed be a rare find

workindev

6/1/16 7:45am

True, because most funds don't last even 20 years before they're merged

Cougarrrs

6/1/16 7:52am

The Stock market has averaged roughly 10% since its inception.

TheLoneCougar

6/1/16 2:15pm

no one is going to make $1MM over 40 years by investing $100/month in the stock market. Why? Because they can't and

HarlemCoug

6/1/16 7:00am

I've averaged more than that over the last 22 years...

CoachSpeak

6/1/16 7:58am

In your opinion, I have taken the challenge and have been exceeding 12%

TheLoneCougar

6/1/16 2:16pm

Ramsey should limit his advice to getting out of debt - his investment advice is very misleading

Jersey hunter

6/1/16 7:07am

I actually think Ramsey does more good than harm

Acorn

6/1/16 7:17am

Why isn't it that simple. It has worked for me and I have very happy with the

TheLoneCougar

6/1/16 2:17pm

this is the one of the reasons I think he's a clown. his get out debt advice is

Mayor of Cougartown

6/1/16 4:37pm

Well I'm on pace to have a retirement account close to 5-10 million then.

Bert609

7/12/16 8:25am

This is great advice. Also, when there's blood in the streets, keep a cool head

Pimpin4Paradise

6/1/16 7:00am

Sounds good. I'm in. Where can I find this Schwab guy? He takes cash, right?

Hambone

6/1/16 7:15am

I believe he also has a food delivery business.

Grit for Brains

6/1/16 7:29am

You can send me the money, he's my neighbor, I'll get it to him

jaredm

6/1/16 7:42am

<< Deleted >>

BYUCoug11

6/1/16 7:35am

<< Deleted >>

Acorn

6/1/16 7:50am

<< Deleted >>

BYUCoug11

6/1/16 8:01am

+ super low fees

sakar12

6/1/16 8:06am

Any reason to choose Schwab over Vanguard Total Stock?

sakar12

6/1/16 7:46am

I would need to check, but I think their minimum is $2,500.

Acorn

6/1/16 7:55am

I think its $1000 for the target retirement funds and STAR fund, $3000 for

workindev

6/1/16 7:57am

It is 3000.

sakar12

6/1/16 8:05am

wouldn't have known what to do without all the hashtags, thanks Ms. Acorn

HoustonCougar

6/1/16 7:54am

LOL. That is how I aggravate my kids. Glad you saw the humor in it.

Acorn

6/1/16 7:56am

Just opened my account with Vanguard a few months ago. Expect me to be back in

bretonnia

6/1/16 8:58am

I love these kinds of posts; thanks for your thoughts. A couple things to add...

Machiavelli

6/1/16 9:26am

Hmmmm. Looks like someone has read how a 2nd grader beat Wall Street.

bretonnia

6/1/16 9:48am

I actually haven't. Sounds interesting though!

Machiavelli

6/1/16 10:35am

I really liked it. It pretty much outlines exactly what you suggested, so maybe

bretonnia

6/1/16 11:52am

Thanks, I just signed up.

JOPE

6/1/16 10:08am

Betterment.com has much lower fees.

CougarMandias

6/1/16 3:32pm

Can you provide some numbers?? I would be surprised if that's true

Machiavelli

6/1/16 4:08pm

As a financial advisor I endorse this post!!

stmarys

6/1/16 8:22pm

Not sure how it edit my last post, but there is a ton of research that supports

stmarys

6/1/16 8:35pm

For the tithing donation in kind, what type of account would you do this from?

CougarBuddy

6/2/16 9:53am

I went to get signed up...

Cougar86

7/4/16 9:39am

A brokerage account for after tax money

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