Expert advice, practical tips, and actionable strategies to help you achieve financial freedom.
Page 44 of 74
Showing 775-792 of 1325 articles
â Back to all articles
High overlap is typically above 70% weighted holdings overlap. This means you're essentially buying the same stocks twice, reducing diversification benefits. Moderate overlap (30-70%) provides some...
Read moreHigh overlap reduces diversification and increases concentration risk. If common stocks decline, both ETFs will be affected similarly. You're also paying management fees twice for similar exposure....
Read moreNo, some overlap is normal and acceptable. The key is avoiding excessive overlap (>70%). For example, VOO and VTI have ~85% overlap since VOO's holdings make up most of VTI. Better combinations inc...
Read moreThis tool analyzes top 10 holdings only, representing about 20-30% of total ETF assets. Complete ETFs may have 500-3000+ holdings. For professional analysis with complete holdings data, consult a f...
Read moreExcellent combinations include: VTI (US Total Market) + VXUS (International) for global diversification, or VTI + BND (bonds) for stock/bond balance. Avoid combinations like VOO + SPY (nearly ident...
Read moreMost versions of the Expense Detective allow you to save your results by exporting them to a file or printing them out. Check the options in the calculator to see how you can keep your data.
Read moreAgricultural equipment loans commonly run 2â7 years, up to 10 years for large systems (e.g., irrigation). APRs vary ~4â12% based on credit, equipment age, and down payment.
Read moreAg lenders often cap LTV at 80â85%, implying 15â20% down. Stronger credit and newer equipment can qualify for better terms and lower rates.
Read moreYes. Many lenders offer delayed or seasonal schedules aligned with harvest cash flow. Interest usually accruesâmodel total cost before opting in.
Read moreOften yesâif itâs new to you and placed in service within the tax year, subject to limits. Consult a tax professional; combine with bonus depreciation when beneficial.
Read moreCredit score, equipment age/hours, maintenance records, independent appraisal for large loans, and down payment size. Under 3,000 hours and documented service help.
Read moreThe FHALoan calculator helps you estimate your monthly mortgage payments for a Federal Housing Administration loan. This can help you budget and plan for homeownership.
Read moreMany advisors charge around 1.0% per year on the first $1M, with tiered breakpoints above that (e.g., 0.8% from $1â3M). Over 30 years, a 1.0% fee can reduce ending wealth by 20â30% versus a lowâfee...
Read moreFlat or hourly arrangements often cost less for larger portfolios or when you need projectâbased planning. For example, a $5,000 annual flat fee equals 0.50% on a $1M portfolioâhalf the cost of a 1...
Read moreAdvisor fees are separate from fund expenses. If your advisor charges 0.80% and your funds average 0.15% in expense ratios, your allâin cost is ~0.95% before any trading costs or taxes.
Read moreFeeâonly fiduciaries are compensated solely by client fees (no commissions) and must put clientsâ interests first. This reduces conflicts of interest versus commissionâbased models.
Read moreFees compound like returns. Paying 1.0% vs 0.25% on a $500k portfolio growing at 7% over 25 years can mean a sixâfigure difference in ending value. Lower costs generally improve the odds of meeting...
Read moreWe compare your savings to benchmark distributions by age and find the age where the median saver has a similar amount. Itâs a directional benchmark, not a precise verdict.
Read more