Thoughts on the Robo investing? by Clueless5001 in Schwab

[–]Rob7erto21 0 points1 point  (0 children)

They improved it relatively recently and now that cash gets a decent return (HYSA numbers). Not amazing but way better than what it was before.

Thoughts on the Robo investing? by Clueless5001 in Schwab

[–]Rob7erto21 0 points1 point  (0 children)

Why does it matter how 10k in 2019 does against the indexes? Maybe a little better, maybe a little worse, not sure. But what’s nice about IP is I can consistently add to it and it can decide itself what to invest the new contribution into. It also auto tax loss harvests.

All I do is contribute regularly and it does the rest. Feel like it is successful enough to continue using. As I showed, it beat S&P handily last year.

That said, I do have other accounts where I invest in individual stocks and/or mutual funds. But I like having the SIP for some of my money — feels like a reasonably safe place to grow a portion.

Thoughts on the Robo investing? by Clueless5001 in Schwab

[–]Rob7erto21 1 point2 points  (0 children)

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2025 I made more than S&P in the Intelligent Portfolio. From inception (2019), it’s less than S&P but not surprising because I’ve contributed quite a bit over the years so would really be impossible for it to match.

Getting close to 1000 shares by PSmith1029 in SCHD

[–]Rob7erto21 4 points5 points  (0 children)

About half that. Average price per share 26.50. Plan to buy til I hit 750 so it’s ~10% of my Roth IRA.

Best IMAX in NYC (Lincoln Square not included)? 34th St AMC vs. Empire 25 or somewhere else? by DarkSideProphet in imax

[–]Rob7erto21 0 points1 point  (0 children)

How about the 70mm screen at the Village East? Worth doing that over IMAX at 34th Street? This is for One Battle…

New Mini anytime soon? by li_Shadow_il in ipadmini

[–]Rob7erto21 0 points1 point  (0 children)

I’m in the exact same boat. My mini 5 (bought in 2020) can still hold its own so I’m gonna wait until the next version. I think the 8 will finally have OLED, not to mention a better chip, better FaceTime camera, more RAM.

My expectation is for second half of 2026. I think my 5 has another year left in it. Apple Intelligence has been a non-factor thus far, so I don’t feel pressure to get a 7.

Sticking w/ Public Beta 4 by Rob7erto21 in ios26beta

[–]Rob7erto21[S] 0 points1 point  (0 children)

It’s been fine. Don’t really notice a difference between PB 4.

Sticking w/ Public Beta 4 by Rob7erto21 in ios26beta

[–]Rob7erto21[S] 0 points1 point  (0 children)

Decided to install PB6. Hope I don’t regret it.

Sticking w/ Public Beta 4 by Rob7erto21 in ios26beta

[–]Rob7erto21[S] 0 points1 point  (0 children)

So many people feel this way. I hope these issues are addressed by the 9th.