investment managers Archives - DIY Personal & Retirement Financial Planning

DIY Personal & Retirement Financial Planning

Do-It-Yourself financial and investment planning Excel spreadsheet software

The Heavy Burden of Recurring Investment Expenses and Fees – Part 2

The heavy burden of recurring investment fees (Part 2 of 2) < < — Go to Part 1 By charging fees as a percent of your assets, the investment industry can make their recurring fees seem small â€“ like they are â€œjust a fewâ€ percent. Financial Planning Software for Consumers Furthermore, by charging fees against […]

Searching for Superior Investment Fund Managers is a Waste of Your Time

Searching for superior investment fund managers is a waste of your money and time A previous article, â€œThe Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,â€ suggested that individuals are much better off with a well-considered financial viewpoint. A stable set of financial […]

"Larry, Thanks for the response. I watched the videos you’ve made so far on YouTube. Very good. In fact one of them addressed a situation that applies to me. I first learned about the zero federal taxes on long term capital gains when under the 25% marginal income tax rate from working with Veriplan a number of years ago. I’m no longer working but not yet receiving RMD’s or social security so my ordinary income is relatively low. So I’ve been taking full advantage of zero federal capital gains taxes by selling off my high expense ratio mutual funds which have a lot of capital gains built in since I’ve held them a long time and then I reinvest them in index mutual funds which don’t generate as much capital gains distributions. So the education that you and Veriplan provide has saved me thousands in taxes, not to mention the expenses on high cost mutual funds. Thanks again."M. D. in El Paso, TX

"I've been using VeriPlan for a few weeks now, and it is everything I was looking for plus a whole lot more of what I didn't even know I needed. By simply switching VeriPlan to a state that does not have a state income tax, I can see how much I could save on traditional IRA distributions in retirement by moving to a state without income taxes. It is a real education in personal finance, and I think just about everyone would benefit from using this tool. I am going to tell everyone I know about VeriPlan. Thank you very much for creating it. Your web sites are great, too."T. H. in Silicon Valley CA