TigahsOnTop

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Know many people who trade large amount of time (n) seeking that extra return (k).

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I completely agree with the sentiment. My math brain is just hating the way you are characterizing this haha.

Your formula implies that the extra return compounded at n would be enormous, while also suggesting that (k) is actually achievable if you spend enough time.

That would imply that a FA who spends all of their time chasing (k) would actually be extremely valuable. My whole point is that most people can NOT achieve any level of (k), no matter how much time they spend!

So we both reach the same conclusion, spend less time trying to create alpha and more time with your family, etc. and just index.

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The stocks are large secure company funds that have a historical record of consistent dividends.

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Curious how long you have until retirement. There is vast research showing that dividend paying companies underperform the market, so I don’t love that strategy. Otherwise, it sounds like the firm is solid and definitely a good representation of a value-added financial advisor (tax-planning, etc.).

I didn't even ask for a track record. I can look at a portfolio and know it is trash, and no amount of BS marketing materials will change that. There is no justification you can make for handpicking a couple of large cap stocks (unless you have material information which gives you an edge, which I highly doubt from a local Louisiana firm)

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This might be a solid idea. With a 100+ shares you could also sell cc and increase your returns a couple percent.

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You aren't "increasing returns" by selling cc. You are capping your upside by definition.

Sounds to me like they used AI voice over

There is actually a fairly simple way to resolve this issue. Regulators set a return on equity (aka, the amount utilities are allowed to charge you). Obviously, utilities are a natural monopoly so they can’t set their own prices, hence the need for a public utility commission. The problem is that these commissions are subject to intense regulatory capture. They approve a rate of return well over 10% in many cases. This is absurd, considering utilities are the lowest risk of any major asset class. A true market rate that investors would require is closer to 6% (or 200 bps above SOFR). If the utility commissions actually did their job properly and set that rate of return at the true market price, there would be billions of dollars of customer savings equating to about $400 per household per year. Crazy

Uncle Seaton, instead of soliciting our recruiting board for money, please tell your nephew to commit to LSU. Thanks!

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Yep, and Nuss is just arrogant, but does not back it up at all. Time for a change, he is not it.

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Not saying you are wrong, but vandy shoving it down our throat first drive is probably not his fault

Watching Kade pitch is so fun. Louisiana kid who goes about his business the right way and is damn good at it

Great pitchers post zero's without their best stuff.

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Why is Easter nor Good Friday not recognized as a work or bank holiday in US?

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Many financial institutions use the NYSE trading days as the official holiday schedule fwiw. Good Friday is always included NYSE:Holidays and Trading Hours