Techfinology

Month: July 2023

  • Highest CD Rates 5.65% APY 12Month Flex CD from Merchants Bank of Indiana

    Merchants Bank of Indiana is one of few companies offering a flexible rate certificate of deposit (CD). How does a flex rate CD work? The company uses the prime rate minus 2.75%. At the time of this writing, 7/25/2023 this rate is now 5.65%. As the prime rate changes, this rate can go up or…

  • Best Dividend Stock Broadcom vs Home Depot Compared

    Both Broadcom and Home Depot are both top holding for the popular Schwab US Dividend Equity ETF (SCHD). However, if we could only pick one which would it be? Home Depot is the class leader in its category of Home Improvement with higher profit margins than Lowes as well as return on equity. Broadcom is…

  • Mutual Funds vs ETFs. Which is Better? Vanguard, Fidelity & Schwab

    I compare low cost ETFs to low cost S&P 500 mutual funds Which one is the best low-cost index mutual fund or low-cost ETF? Fidelity FXAIX S&P 500 mutual fund, Vanguard VFIAX, VOO or Schwab SWPPX? Which low cost S&P 500 index fund. is best? Are mutual funds more tax-efficient than index stock ETFs? Not…

  • Stock Trading and Backtesting Platform Composer Review

    Composer.trade automated algorithmic (algo) stock trading bot can do stock backtesting and trading. Learn how to algorithmically trade stocks in the stock market without any programming experience. It works with Alpaca brokerage. Signup to Composer Pro using my referral code, fund the account with $50+ and make one trade and get $50. https://www.composer.trade/Referral code is:lIMrRBU-TRADE…

  • Etrade best stock brokerage Automatic recurring investing weekly ETF auto invest, fractional

    Etrade stock brokerage now allows automatic dollar cost average investing for ETFs. Learn how to auto invest ETFs with Etrade Auto Invest and do dollar cost averaging. It is free and over 100 ETFs are supported at time of this writing. Try this on Fidelity, Schwab and Vanguard and all you can do is mutual…

  • Sofi VS M1 Finance Which Broker is Best?

    I compare Sofi Invest to M1 Finance to see which auto invest robo advisor product works best. Both can do auto investing with stocks and ETFs. Sofi can do limit order while M1 Finance cannot. M1 has a very nice modern interface. Sofi has nice capabilities and supports limit orders which is nice but the…

  • Vanguard vs Schwab vs Fidelity compared. Which online stock broker is best? Interfaces compared

    I compared the fees and interface between Schwab, Fidelity and Vanguard. Which one is the best? Vanguard has some of the lowest fees when you factor in hidden fees such as pay for order flow however the interface leaves a lot to be desired. https://youtu.be/FRD0z52rmfk

  • Best high dividend yield ETF SCHD or VYM VPU VIG

    I compare high dividend yield ETFs to find the best one. Which one has had the best performance over time. Which one has the lowest fees? Will Schwab or Vanguard win? Schwab SCHD has had some very impressive performance that exceeds Vanguard’s performance. The asset allocation for Vanguard seems to be too excessive when compared…

  • Ultra High Rate 10.87% BIZD. Should you add BIZD to your passive income portfolio?

    I look at something that is quite rare called business development companies. These companies pay an extremely high yield but are taxed as ordinary income not making them attractive for taxable accounts. Many of these often pay out so much that the value of the company declines over time. Would you invest in these or…

  • Covered Call ETF Shootout. DIVO, JEPI, RYLD, KNG, JEPQ, NUSI, +

    Why buy covered calls if someone else will do the work for you? This is the benefit of covered call ETFs. I look at 15 covered call ETFs. Some of them only do a small percentage of covered calls while others do a larger percentage. Some use something called swap agreements that are purchased from…

  • Best Government Money Market Accounts Ultra Short-term ETFs TFLO, SGOV, USFR

    Which US Government money market ETF is best? I look at TFLO, SGOV and USFR. They all offer the safety of US Treasuries but with added flexibility of being able to buy and sell like a stock all for a very small fee. It seems like it is a toss-up between TFLO and USFR but…

  • Floating Rate money market fund ETFs FLOT, FLRN, FLTR, VRIG

    Which floating rate interest rate ETF is best. I compared various floating rate treasury and corporate debt ETFs. At the time of the video some of them are paying 5.44% APY. Is corporate debt worth the risk or should you stick with US treasury ETFs? For me, I prefer US treasury ETFs at this point…

  • ChatGPT Picked Stocks for me. How Well Did ChatGPT’s picks do?

    I used ChatGPT along with GUI based trading platform service Composer to find some stock picks and to edit the trading script for Composer. ChatGPT made some errors with the script but with some playing around with ChatGPT it fixed the issues. The great thing about ChatGPT is stocks can be quickly selected for a…

  • Best Tax-Exempt ETF’s and money market funds 2023

    I looked for the best high yield, tax-exempt money market accounts and the best tax-free ETFs. I selected statewide funds and ETFs not state specific ones so if you are in California or NY you may want to look for alternatives. The tax efficiency of all of these investment options varies. Some have very small…

  • Different S&P 500 types compared (ESG, Equal Weight or regular S&P 500)

    I compared equal weight S&P 500 funds that invest in each of the 500 stocks equally instead of the asset weights regular S&P 500. I compared the performance of the equal weight S&P 500 to regular S&P 500 as well as the new ESG S&P 500. Which one had the best performance? I compared Vanguard…

  • 10 Stocks VS the S&P 500. Which strategy wins?

    Imagine 10 stocks having a greater return with very little difference in volatility or downside risk. Well, that is what I have found. The large mega-caps like Apple, Microsoft, and Alphabet have outperformed the S&P 500 for most of the years I looked at. Diversification is supposed to reduce risk but more recently 10 stocks…

  • Fidelity Money Market vs Savings Accounts

    Can Fidelity Money Market account beat online high yield savings accounts? I compare Vanguard, Fidelity and Schwab to online savings accounts to see which one is best.

  • Scammed by Chime update

    I was recently scammed by Chime bank shortly before my first $20 deposit went through. After getting one of the text codes wrong Chime locked me out of the account. They then asked for an image of the front and back of my drivers license in order for them to reactivate the account. This is…

  • Top Banks by Better Business Bureau Ranking

    I compared numerous financial institutions such as banks, online fintech banks and financial conglomerates and compared the total number of BBB complaint over a three year period to the total assets of the bank. Those that have a higher number of complaints per asset dollar are likely to be more problematic for end users. Those…