# Investing **URL:** https://community.clark.com/c/investing/11.md [Latest](https://community.clark.com/latest.md) · [Categories](https://community.clark.com/categories.md) · [Tags](https://community.clark.com/tags.md) --- ## [About the Investing category](https://community.clark.com/t/about-the-investing-category/20)
**Author:** [@james](https://community.clark.com/u/james)\ **Replies:** 0
Investing can be confusing and complicated. Share your questions here. --- ## [FInding a Fiductary](https://community.clark.com/t/finding-a-fiductary/9928)
**Author:** [@Lavarock](https://community.clark.com/u/Lavarock)\ **Replies:** 5\ **Last updated:** [October 16, 2026, 4:45pm UTC](https://community.clark.com/t/finding-a-fiductary/9928 "2026-10-16T16:45:22Z")
I checked with a couple of Fiduciaries and Garrett also and so far have not been able to solve this problem . A friend was married but had nothing to do with the finances (except spend them), and never had a job in the … --- ## [Want to Start a new Small Businese, Where to Start?](https://community.clark.com/t/want-to-start-a-new-small-businese-where-to-start/9774)
**Author:** [@moedansol](https://community.clark.com/u/moedansol)\ **Replies:** 10\ **Last updated:** [October 11, 2026, 8:56pm UTC](https://community.clark.com/t/want-to-start-a-new-small-businese-where-to-start/9774 "2026-10-11T20:56:26Z")
I’m thinking about starting a small business and would appreciate some advice from people who have been through the process. I have around $1 million available to invest, but I don’t want to rush into something without d… --- ## [Does an Annuity make sense for this purpose?](https://community.clark.com/t/does-an-annuity-make-sense-for-this-purpose/9910)
**Author:** [@Nina](https://community.clark.com/u/Nina)\ **Replies:** 4\ **Last updated:** [October 6, 2026, 2:33pm UTC](https://community.clark.com/t/does-an-annuity-make-sense-for-this-purpose/9910 "2026-10-06T14:33:37Z")
My fiancé wants to buy a joint fixed income, 10-year deferred, guaranteed income annuity with survivorship that has a legacy rider. The purpose is to start paying us a guaranteed income in 10 years that will pass to me … --- ## [Vanguard manage funds at 0.38 % fee, is this good?](https://community.clark.com/t/vanguard-manage-funds-at-0-38-fee-is-this-good/9633)
**Author:** [@imjustagirl](https://community.clark.com/u/imjustagirl)\ **Replies:** 13\ **Last updated:** [September 13, 2026, 3:35pm UTC](https://community.clark.com/t/vanguard-manage-funds-at-0-38-fee-is-this-good/9633 "2026-09-13T15:35:56Z")
Is anybody using these services? Anything to consider, any negative points? --- ## [Investing for retirement](https://community.clark.com/t/investing-for-retirement/7848)
**Author:** [@mtwins](https://community.clark.com/u/mtwins)\ **Replies:** 4\ **Last updated:** [September 9, 2026, 4:42am UTC](https://community.clark.com/t/investing-for-retirement/7848 "2026-09-09T04:42:09Z")
Am a business owner Any advice on where to invest $80k for good rate of return for retirement And I want to continue to contribute about $3k monthly Any advice will be greatly appreciated Am 49 with 7 year old child --- ## [Vanguard ACATS lock/unlock option now available in your online account](https://community.clark.com/t/vanguard-acats-lock-unlock-option-now-available-in-your-online-account/9546)
**Author:** [@RealRandomNobody](https://community.clark.com/u/RealRandomNobody)\ **Replies:** 5\ **Last updated:** [September 4, 2026, 11:48am UTC](https://community.clark.com/t/vanguard-acats-lock-unlock-option-now-available-in-your-online-account/9546 "2026-09-04T11:48:02Z")
This appears to be available on the website and the app. Profile \> Security Profile It doesn’t call it ACATS, it calls it “Outgoing transfer lock”. You can pick which vanguard accounts, too, if you have multiple accoun… --- ## [Dedicated computer for finances](https://community.clark.com/t/dedicated-computer-for-finances/1369)
**Author:** [@Eric](https://community.clark.com/u/Eric)\ **Replies:** 19\ **Last updated:** [August 26, 2026, 1:39am UTC](https://community.clark.com/t/dedicated-computer-for-finances/1369 "2026-08-26T01:39:28Z")
A while back Clark recommended people buy a didicated chrome book to use only for financial business as protection against hackers and viruses. Is this still recommended? What do others think? --- ## [Clark and the Vanguard Total Stock Market Index?](https://community.clark.com/t/clark-and-the-vanguard-total-stock-market-index/9727)
**Author:** [@rockphantom](https://community.clark.com/u/rockphantom)\ **Replies:** 3\ **Last updated:** [August 22, 2026, 3:48pm UTC](https://community.clark.com/t/clark-and-the-vanguard-total-stock-market-index/9727 "2026-08-22T15:48:37Z")
Howdy, I recall Clark recommending the Vanguard Total Stock Market Index frequently in the 2010s. He has not mentioned any specific Index funds recently. Which index funds do Team Clark recommend for beginners? Thanks… --- ## [Roth or cash flow](https://community.clark.com/t/roth-or-cash-flow/9628)
**Author:** [@proverbs227](https://community.clark.com/u/proverbs227)\ **Replies:** 1\ **Last updated:** [August 8, 2026, 7:12am UTC](https://community.clark.com/t/roth-or-cash-flow/9628 "2026-08-08T07:12:27Z")
My 21 year old son just closed on a construction loan. I guess rates are going up cause he got it at 7.375. Total construction cost is roughly 300000. I he currently has 75,000 saved to cash flow. He get 1500 a week … --- ## [Heads up about ACATS lock at Vanguard](https://community.clark.com/t/heads-up-about-acats-lock-at-vanguard/8755)
**Author:** [@simart](https://community.clark.com/u/simart)\ **Replies:** 19\ **Last updated:** [July 15, 2026, 2:15pm UTC](https://community.clark.com/t/heads-up-about-acats-lock-at-vanguard/8755 "2026-07-15T14:15:02Z")
Heads up that I called Vanguard to lock my account after I read Clark’s post “Why You Need To Lock Your Brokerage Account Today.” I was surprised later when I was unable to withdraw any money either from the website or v… --- ## [Is it 1999 again the the stock market?](https://community.clark.com/t/is-it-1999-again-the-the-stock-market/9456)
**Author:** [@Henrius](https://community.clark.com/u/Henrius)\ **Replies:** 7\ **Last updated:** [June 26, 2026, 12:18am UTC](https://community.clark.com/t/is-it-1999-again-the-the-stock-market/9456 "2026-06-26T00:18:59Z")
I have seen this movie before. A new invention or two, and their future is wildly hyped. This time around it is AI and Space-X. Both going to change the life on Planet Earth and beyond- at least supposedly. Data centers … --- ## [Where to invest my 7 year old sons earned income](https://community.clark.com/t/where-to-invest-my-7-year-old-sons-earned-income/2605)
**Author:** [@dnutpub](https://community.clark.com/u/dnutpub)\ **Replies:** 4\ **Last updated:** [June 21, 2026, 4:02pm UTC](https://community.clark.com/t/where-to-invest-my-7-year-old-sons-earned-income/2605 "2026-06-21T16:02:02Z")
My 7 year old son has made some money on voice overs for the last 3 years. He has made 9-18k per year. ROTH- I have maxed out his IRA the last few years and am wondering if I should do that again this year. 529- I have… --- ## [Millionaires, Clark's podcast](https://community.clark.com/t/millionaires-clarks-podcast/9468)
**Author:** [@Lyn](https://community.clark.com/u/Lyn)\ **Replies:** 0\ **Last updated:** [June 21, 2026, 3:56pm UTC](https://community.clark.com/t/millionaires-clarks-podcast/9468 "2026-06-21T15:56:10Z")
Clark, I hope your 20 year old son listens to you, because I did. and my kids are millionaires in their 30’s. My kids started working inside the home at age 3 and 6. They started working outside the home at age 9 (son:… --- ## [Diversification and international stocks](https://community.clark.com/t/diversification-and-international-stocks/2799)
**Author:** [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Replies:** 36\ **Last updated:** [June 19, 2026, 2:42pm UTC](https://community.clark.com/t/diversification-and-international-stocks/2799 "2026-06-19T14:42:51Z")
Is Portfolio Visualizer a good Monte Carlo simulator? I was trying to decide whether I should be 37% in large cap and 37% small cap with 24% dedicated to international or stick with 44% domestic large cap, 44% small cap… --- ## [Charles Schwab’s CEO is worried about prediction markets and the conflation of investing with gambling](https://community.clark.com/t/charles-schwab-s-ceo-is-worried-about-prediction-markets-and-the-conflation-of-investing-with-gambling/8566)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 6\ **Last updated:** [June 16, 2026, 1:21am UTC](https://community.clark.com/t/charles-schwab-s-ceo-is-worried-about-prediction-markets-and-the-conflation-of-investing-with-gambling/8566 "2026-06-16T01:21:19Z")
Schwab CEO Rick Wurster recently warned that gambling and prediction markets are dangerously blurring the line with investing. He emphasized that betting on sports or political events is not the same as long-term investi… --- ## [Suggestions for online saving accounts](https://community.clark.com/t/suggestions-for-online-saving-accounts/979)
**Author:** [@bws2](https://community.clark.com/u/bws2)\ **Replies:** 58\ **Last updated:** [April 27, 2026, 6:06pm UTC](https://community.clark.com/t/suggestions-for-online-saving-accounts/979 "2026-04-27T18:06:24Z")
My mom and dad have a bunch of money from a home sale sitting in a checking account earning no interest. I’d like to get them set up with 4 online banks that offer a high interest savings account. Since I’m a member of… --- ## [Roth versus Traditional retirement account contributions](https://community.clark.com/t/roth-versus-traditional-retirement-account-contributions/2688)
**Author:** [@p1g1](https://community.clark.com/u/p1g1)\ **Replies:** 48\ **Last updated:** [March 27, 2026, 3:42pm UTC](https://community.clark.com/t/roth-versus-traditional-retirement-account-contributions/2688 "2026-03-27T15:42:28Z")
Mike Piper has an very good article comparing contributing to Roth or traditional retirement accounts. He discusses the most important factor: current marginal tax rate versus an estimate of your retirement marginal tax… --- ## [Gifting stocks from IRA](https://community.clark.com/t/gifting-stocks-from-ira/9089)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 3\ **Last updated:** [March 24, 2026, 1:38am UTC](https://community.clark.com/t/gifting-stocks-from-ira/9089 "2026-03-24T01:38:46Z")
i have been doing some reading, and have been learning that if i gift my brother a stock, i cannot gift it in kind directly from my IRA. I have to transfer it in kind first to my non retirement account, and cost basis s… --- ## [Credit union went to Feds](https://community.clark.com/t/credit-union-went-to-feds/8998)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 3\ **Last updated:** [February 25, 2026, 2:45am UTC](https://community.clark.com/t/credit-union-went-to-feds/8998 "2026-02-25T02:45:00Z")
I experienced a transition of a state credit union in Missouri to a federal credit union, noting that two state CUs merged into the federal one. They question whether this is a new trend and who benefits, expressing conc… --- ## [State CU to Federal Credit union](https://community.clark.com/t/state-cu-to-federal-credit-union/8949)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 0\ **Last updated:** [February 7, 2026, 1:23am UTC](https://community.clark.com/t/state-cu-to-federal-credit-union/8949 "2026-02-07T01:23:37Z")
ladybuglake reports that their state credit union in Missouri has transitioned to a federal credit union without investor input, raising questions about whether any state credit unions remain in the state. They note a fr… --- ## [Fidelity is now locks down checks/transfers for 16 business days](https://community.clark.com/t/fidelity-is-now-locks-down-checks-transfers-for-16-business-days/6859)
**Author:** [@mgm](https://community.clark.com/u/mgm)\ **Replies:** 33\ **Last updated:** [January 9, 2026, 4:56am UTC](https://community.clark.com/t/fidelity-is-now-locks-down-checks-transfers-for-16-business-days/6859 "2026-01-09T04:56:40Z")
Fidelity apparently has a new policy where they are putting a 16 business day hold on all checks and external transfers. I have used Fidelity for many years for my checking account (joint wros). I have direct deposit of… --- ## [Finding the Best CD Rates](https://community.clark.com/t/finding-the-best-cd-rates/8822)
**Author:** [@SeattleBaker](https://community.clark.com/u/SeattleBaker)\ **Replies:** 0\ **Last updated:** [January 8, 2026, 11:19pm UTC](https://community.clark.com/t/finding-the-best-cd-rates/8822 "2026-01-08T23:19:52Z")
Even though CD rates have fallen, I found this map that shows you where the top CD rates are in every state. You can subscribe and they send you emails with the best CD rates. Anybody use this site? --- ## [What is the best way to start a 529 for someone else without SSN?](https://community.clark.com/t/what-is-the-best-way-to-start-a-529-for-someone-else-without-ssn/8819)
**Author:** [@ducatsbromine](https://community.clark.com/u/ducatsbromine)\ **Replies:** 2\ **Last updated:** [January 7, 2026, 11:38pm UTC](https://community.clark.com/t/what-is-the-best-way-to-start-a-529-for-someone-else-without-ssn/8819 "2026-01-07T23:38:25Z")
I don’t have kids of my own, but I do have 1 young niece. I would like to start a 529 account for her and surprise her (and parents) with it on her 18th birthday. Since I want it to be a surprise to both her and her pare… --- ## [Early Retire Calculator](https://community.clark.com/t/early-retire-calculator/8577)
**Author:** [@Jroscottsdale](https://community.clark.com/u/Jroscottsdale)\ **Replies:** 1\ **Last updated:** [November 18, 2025, 2:21pm UTC](https://community.clark.com/t/early-retire-calculator/8577 "2025-11-18T14:21:38Z")
I’m trying to use the early retire calculator posted on 11/16/25 newsletter and there seems to be a glitch. When trying to enter income amounts, the field will not allow any updates. Salary, investment amounts etc. is an… --- ## [Should I have gold in my portfolio right now?](https://community.clark.com/t/should-i-have-gold-in-my-portfolio-right-now/929)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 95\ **Last updated:** [November 11, 2025, 2:23pm UTC](https://community.clark.com/t/should-i-have-gold-in-my-portfolio-right-now/929 "2025-11-11T14:23:54Z")
I think this was an excellent article from Team Clark. Interesting thing is, he used to suggest it was ok to have 10% of your holdings in gold. Now he’s suggesting 3-5%. Personally, I think the 10% is still OK. He also… --- ## [Retirement Allocation Question for Someone Close to Retirment](https://community.clark.com/t/retirement-allocation-question-for-someone-close-to-retirment/8553)
**Author:** [@Tikhon](https://community.clark.com/u/Tikhon)\ **Replies:** 5\ **Last updated:** [November 11, 2025, 2:18pm UTC](https://community.clark.com/t/retirement-allocation-question-for-someone-close-to-retirment/8553 "2025-11-11T14:18:34Z")
I am 64 and have an account at Morgan Stanley that contains the majority of my retirement funds. Currently the allocation is approximately: 79% equities 12% bonds 6% cash 2% commodities I also have a couple of precio… --- ## [Unable to determine cost basis](https://community.clark.com/t/unable-to-determine-cost-basis/8545)
**Author:** [@Sam\_G](https://community.clark.com/u/Sam_G)\ **Replies:** 13\ **Last updated:** [November 7, 2025, 6:52pm UTC](https://community.clark.com/t/unable-to-determine-cost-basis/8545 "2025-11-07T18:52:16Z")
I’ve had some stocks and a mutual fund which were originally bought from Ameritrade before it was merged with TD and then Schwab. They show on my Schwab account but the Cost Basis is listed as N/A. I contacted them and … --- ## [Invest in Target Retirement Fund or pay down mortgage](https://community.clark.com/t/invest-in-target-retirement-fund-or-pay-down-mortgage/2267)
**Author:** [@Genie\_Hagar](https://community.clark.com/u/Genie_Hagar)\ **Replies:** 19\ **Last updated:** [October 29, 2025, 6:42pm UTC](https://community.clark.com/t/invest-in-target-retirement-fund-or-pay-down-mortgage/2267 "2025-10-29T18:42:19Z")
Should I add the allowable contribution of $6000 to my Vanguard Target Retirement Account or pay down my mortgage which has a 4.25 interest rate? I could save $111,148 interest on mortgage by doing so. --- ## [BNY Melon Pershing ETF](https://community.clark.com/t/bny-melon-pershing-etf/8508)
**Author:** [@RCS](https://community.clark.com/u/RCS)\ **Replies:** 2\ **Last updated:** [October 25, 2025, 12:53pm UTC](https://community.clark.com/t/bny-melon-pershing-etf/8508 "2025-10-25T12:53:00Z")
Have any of you invested with BNY Melon Pershing? I am researching an Retirement planning firm (Retirement Planners of America). They use BNY to invest in (ETFs). I have always used Fidelity but they have been very lack … [Next page](https://community.clark.com/c/investing/11.md?page=1)