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Subject:  Re: Tips for my first $5k IRA investment? Date:  3/22/2012  10:29 PM
Author:  Rayvt Number:  70426 of 99850

This start-up website works off of ideas from Bogle, Bernstein, and Swensen. (It doesn't take commission, it's a yearly membership fee for premium advice.)
how reliable do you think the asset allocation recommendations are?

Okay, I looked at it.

My prediction: They won't be around a year from now. It's a bunch of youngsters who think it's still the dot-com years of 1999-2000.

There are thousands of web sites that give pretty much the same recommendations for asset allocation. All for free, all without requiring you to sign up or register.

What they say is trite. For example: "Performance data from the S&P500 Index from November 1998 to June 2011. The Low Fee Fund had an expense ratio of 0.09%" Low E/R funds are better than high E/R funds. What a unique insight!
That fund is SPY. You don't need some gee-whiz magic altorithmic methodology to figure this out.
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