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All financial sites have legal disclaimers of one sort or another. That doesn't impute a lack of diligence."...The information contained herein is not represented or warranted to be accurate, correct, complete, or timely." ...Pretty effing useless, then. All these outfits and people depend on us. But we don't care to actually be conscientious.
In essence: we strive to be accurate, but in case of error, don't sue us. Literally.ALL INFORMATION AND CONTENT ON THE PEAR TREE WEBSITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, FURNISHED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS SERVICE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Pear Tree and its affiliates intend that the information contained in this service be accurate and reliable; however, errors sometimes occur. Pear Tree does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site and the servers that make it available are free from viruses or other harmful components
@Catch22 - I assume that’s meant sarcastically?Must be time to sell, sell, sell the equity side, eh? Catch the equity top right now !
A little human interaction and DIY tools.The SIP Premium Program combines the discretionary portfolio management of the SIP Program, as described above, with the additional features of financial planning and ongoing access to guidance from Schwab Planning Consultants, as well as to online financial planning tools. SIP Premium Accounts are invested in SIP portfolios and managed on a discretionary basis through the SIP Program. Unless other-wise indicated, descriptions of portfolio management through SIP apply to SIP Premium as well.
If one uses their services wisely to set up their retirement, estate planning, and others, the on-going service could be very useful as the client's mental capacity decline slowly over time. The article also questions how deep the advisory team is? Certainly this is beyond a robo type service.Basically you could subscribe, use the services to set up your financial plan and opt-out after you had what you needed. Bet this new pay scheme might have been in response to people doing just that.
Perhaps better, spend a little money to ensure that you don't run out, so that you're free to spend more and not die wealthy.I’ve always felt my invested assets did me a lot more good left intact than spent. It doesn’t have much to do with providing for heirs. Just a matter of personal comfort and thinking we don’t know what types of adverse contingencies might be coming down the road. Better to die wealthy, I suggest, than to run out of money a year or two early.
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