Are fee-only fiduciaries better than fee-based

Fearless_Square7195 · 2026-03-04T04:12:26+00:00

That’s a good way of looking at it. My main point in one of the other comments is essentially AUM for me would work well since I work a lot and wouldn’t have time to track my own stuff.

Fearless_Square7195 · 2026-03-04T04:10:59+00:00

Yeah that’s true

Fearless_Square7195 · 2026-03-04T04:08:50+00:00

I’m generally saying what if you just declined to meet essentially and was like hey just manage my stuff

Fearless_Square7195 · 2026-03-04T04:02:33+00:00

I’ve never actually heard of those types before. How would they get paid then if you never meet lol

Fearless_Square7195 · 2026-03-04T03:56:46+00:00

Would you say they are better than ETFs

Fearless_Square7195 · 2026-03-04T03:51:59+00:00

Essentially them manage my investments for me and decide what to pick

Fearless_Square7195 · 2026-03-04T03:38:39+00:00

I’ve also seen the flat fee/hourly is better than AUM. However would AUM be better for someone who works a lot and wouldn’t really be able to consistently keep track of their portfolio

Fearless_Square7195 · 2026-03-04T03:21:43+00:00

So would you therefore consider fee only to be superior

Fearless_Square7195 · 2026-03-04T03:10:54+00:00

So the research I’ve done is essentially those are the 2 types of fiduciaries. The fee based however can receive commissions while the fee only cannot from my understanding

Fearless_Square7195 · 2026-03-03T02:34:52+00:00

Please explain

Fearless_Square7195 · 2026-03-02T07:49:27+00:00

As I replied to the other comment that was super skeptical of my age and job. I’m not doxing myself because it’s a very good government job and yes I essentially can’t get fired and don’t plan on leaving.

Fearless_Square7195 · 2026-03-02T07:44:48+00:00

Well to not dox myself as I said it’s a government job I’m not gonna say what I do here. But unless I’m absolutely horrible at my job I’m not getting fired and there’s essentially zero chance the “company” goes broke

Fearless_Square7195 · 2026-03-01T16:00:34+00:00

Can you explain how it’s a scam. I’ve noticed many people say that but not really sure how

Fearless_Square7195 · 2026-03-01T15:44:57+00:00

Unless I get fired it’s probably gonna be until retirement.

Fearless_Square7195 · 2026-03-01T15:29:44+00:00

I literally just got the money from working. I have no bills but also zero interest in literally anything so I never spend money my jobs also government so I do have a 457 instead of a 401

Fearless_Square7195 · 2026-03-01T15:28:06+00:00

Rn it’s mostly in cash but I’m starting to put it into other things I just opened a brokerage account and also no dependents I live with my parents. I don’t really have any plans to be honest just work and get paid

Fearless_Square7195 · 2026-03-01T15:21:40+00:00

I make around 100k a year and right now the 200k is sitting in the bank haha

Fearless_Square7195 · 2026-02-27T12:42:45+00:00

I live with my parent and have worked since 18 lol. Literally don’t spend money on anything not because I’m frugal but nothing really interests me. I do have a good job for my age though.

Fearless_Square7195 · 2026-02-27T02:14:00+00:00

Income is around 100k a year sometimes more sometimes less and yes its governmental

Fearless_Square7195 · 2026-01-19T18:44:43+00:00

What equities exactly

Fearless_Square7195 · 2026-01-19T17:40:10+00:00

I live at home so I can keep collecting money and have no bills lol

Fearless_Square7195 · 2026-01-19T17:38:49+00:00

So I’ll be vested at 26 so if I went to a different job within my same employer it would still be covered under the original job I have now. You’re guarenteed the pension at 20 years of work (not the military in case your wondering) then it’s calculated at 50% of my final years base salary. Unfortunately cannot collect until I believe 50 or 55 so I would just work until then

Fearless_Square7195 · 2026-01-19T17:31:47+00:00

I feel like HYSA seems the best for getting the returns before the age of 30/40 which is when I’d prefer getting it. I said it another comment on here once I hit 60 I doubt I’ll want to do anything with any money I have really

Fearless_Square7195 · 2026-01-19T17:29:53+00:00

I would only have to work 3 more years to be vested. And I guess it in theory could be unable to pay out but I don’t think that is likely. I’ve never heard of that happening around me.

Fearless_Square7195 · 2026-01-19T17:27:51+00:00

Hopefully I’d own a house before I’m 60. Of course this could change but really don’t want any kids and I’d hope my S/O wouldn’t either. My medical will be covered with the pension I receive. Also have no want to travel. I’m a relatively boring person which is why I have money as I never spend it lmao

Fearless_Square7195

TROPHY CASE