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Tag: investing

How To Save On Expense Fees: Vanguard Target Retirement Funds vs. DIY Admiral shares

How To Save On Expense Fees: Vanguard Target Retirement Funds vs. DIY Admiral shares

The Vanguard Target Date Retirement Funds are some of the most well-known funds out there. But did you know there was a trick to savings thousands in expense fees per year? We did the breakeven math on how much you need invested in each Target Date Fund in order to turn our higher expense ratio’d Investor shares into Admiral shares. If you’re a beginner or a passive investor, you want a diversified portfolio so you can passively invest and not…

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Arbitrage Series: Can you Time the Market? Yes.

Arbitrage Series: Can you Time the Market? Yes.

That is, if you’re Max-Hervé George and a select number of other people. They can time the market perfectly. From 1997 to 2007, George grew his portfolio at an annualized rate of 68.6 percent. He’s unsure about post-2007, because the validity of the contract is still in litigation. But as it stands, yes, he and a select few can actually arbitrage, or time the market. So, where do I get an arbitrage contract? Imagine if someone offered you a contract in…

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3 decades later and the Nikkei has not recovered — Will the SP500 do the same?

3 decades later and the Nikkei has not recovered — Will the SP500 do the same?

Every time someone (myself included) says that the SP500 will probably average 8-9% because it’s been dong so historically, I cringe slightly. Sure, I believe it too, but that little voice in the back of my head says, “Olivia, what about the Nikkei?”. Please note that the below article is purely my opinion and by no means fact. I am not a financial advisor and I don’t know what will happen to the market. I could be completely wrong in…

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Top 8 Posts of 2017

Top 8 Posts of 2017

Though this blog is a baby bird still in its nest, I still want to celebrate the wins this blog has had over the past year! So here’s a list of the top 8 posts of 2017 :). Enjoy! 1. Hustle In Your 20s To Be Financially Independent In Under 10 Years I did the math behind how much faster you could retire if you took up a side hustle. There’s a limit to how much you can save on…

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FI/RE for Non-US residents: Currency Hedged SP500 Funds

FI/RE for Non-US residents: Currency Hedged SP500 Funds

The other day I was on Reddit and someone had said his advisor told him there weren’t any ways to hedge against a USD ETF. This particular person’s home currency was the Euro, which is why I was so annoyed at the advisor. This was immediately a red flag, as most advisors should be aware of such a product, or at least be able to Google it and see an answer on the first page of their search. If you want…

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Author: Olivia

Olivia worked in finance and wants you to learn the secrets of financial independence. She believes there are so many ways to monetize your life and make money doing the things you're already doing because so many companies offer free money.

The average savings account rate is 0.1%. The big banks have incredibly low savings accounts rates. CIT Bank offers a 1.75% savings account. You can open an account with just $100 and no monthly fees or charge . Tired of being charged fees and getting peanuts in interest at your current bank? Open a CIT Bank savings account in less than 15 minutes online.

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One of my favorite ways ways of monetizing my life is via credit card bonuses with cards that give you cashback or rewards. Check out our review of the Chase Sapphire cards, which give you at least $500 in cash or $625 in travel credit.