# Investing **URL:** https://community.clark.com/c/investing/11.md?page=1 [Latest](https://community.clark.com/latest.md) · [Categories](https://community.clark.com/categories.md) · [Tags](https://community.clark.com/tags.md) **Page:** 2 --- ## [Fraudulent transfers from brokerage account risk using the the Automated Customer Account Transfer Service](https://community.clark.com/t/fraudulent-transfers-from-brokerage-account-risk-using-the-the-automated-customer-account-transfer-service/7233)
**Author:** [@p1g1](https://community.clark.com/u/p1g1)\ **Replies:** 4\ **Last updated:** [October 7, 2025, 1:23pm UTC](https://community.clark.com/t/fraudulent-transfers-from-brokerage-account-risk-using-the-the-automated-customer-account-transfer-service/7233 "2025-10-07T13:23:48Z")
This is my understanding of this issue. Fraudulent withdrawals from a brokerage account can occur using what is referred to as the Automated Customer Account Transfer Service (ACATS). ACATS is the system used brokerage B… --- ## [VG Fully Paid Lending Program](https://community.clark.com/t/vg-fully-paid-lending-program/8359)
**Author:** [@FerrariClunker](https://community.clark.com/u/FerrariClunker)\ **Replies:** 3\ **Last updated:** [October 6, 2025, 1:39pm UTC](https://community.clark.com/t/vg-fully-paid-lending-program/8359 "2025-10-06T13:39:34Z")
I haven’t read all the fine print of the new VG program below: Unlock Income with Fully Paid Lending | Vanguard It looks like: I can terminate the lending any time I want I can still receive the dividends (maybe taxa… --- ## [Best Budgeting Apps in 2025 left out Credit Karma?](https://community.clark.com/t/best-budgeting-apps-in-2025-left-out-credit-karma/8381)
**Author:** [@Albert\_Sly](https://community.clark.com/u/Albert_Sly)\ **Replies:** 0\ **Last updated:** [September 29, 2025, 2:54pm UTC](https://community.clark.com/t/best-budgeting-apps-in-2025-left-out-credit-karma/8381 "2025-09-29T14:54:48Z")
Your review of Best Budgeting Apps in 2025 left out Credit Karma from your list. It’s a free app on IOS and Android that does a lot of what Rocket Money does. Another excellent (not free) app is the Boldin Retirement … --- ## [Does anyone use Focus Partners Wealth? (was Buckingham)](https://community.clark.com/t/does-anyone-use-focus-partners-wealth-was-buckingham/8164)
**Author:** [@tsm693](https://community.clark.com/u/tsm693)\ **Replies:** 5\ **Last updated:** [September 24, 2025, 7:41pm UTC](https://community.clark.com/t/does-anyone-use-focus-partners-wealth-was-buckingham/8164 "2025-09-24T19:41:12Z")
I want to make sure that Clark approves of them --- ## [What stock am I?](https://community.clark.com/t/what-stock-am-i/7044)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 82\ **Last updated:** [September 21, 2025, 11:34pm UTC](https://community.clark.com/t/what-stock-am-i/7044 "2025-09-21T23:34:08Z")
In the past year I am up 41% (beat the S&P500), in the past three years 57% (beat the S&P500), in the past five years 78% (didn’t beat the S&P500). Since the January 1, 2000, I have soundly beaten the hot NASDAQ 100 QQQ… --- ## [Credit Unions acting like Banks](https://community.clark.com/t/credit-unions-acting-like-banks/8299)
**Author:** [@Tony\_Trevino](https://community.clark.com/u/Tony_Trevino)\ **Replies:** 1\ **Last updated:** [September 5, 2025, 1:20am UTC](https://community.clark.com/t/credit-unions-acting-like-banks/8299 "2025-09-05T01:20:02Z")
I’ve been hearing all the benefits of credit unions vs banks and that credit unions are owned by the members, etc. and for the benefit of the members. In my experience more and more Credit Unions act or are acting much … --- ## [Student Gave ChatGPT $100 to Invest in Stock Market… Four Weeks Later, His Portfolio Outperformed Wall Street](https://community.clark.com/t/student-gave-chatgpt-100-to-invest-in-stock-market-four-weeks-later-his-portfolio-outperformed-wall-street/8262)
**Author:** [@FerrariClunker](https://community.clark.com/u/FerrariClunker)\ **Replies:** 5\ **Last updated:** [September 1, 2025, 12:47pm UTC](https://community.clark.com/t/student-gave-chatgpt-100-to-invest-in-stock-market-four-weeks-later-his-portfolio-outperformed-wall-street/8262 "2025-09-01T12:47:35Z")
Student Gave ChatGPT $100 to Invest in Stock Market… Four Weeks Later, His Portfolio Outperformed Wall Street --- ## [TIPS & I-Bonds investors face a ‘sky is falling’ moment](https://community.clark.com/t/tips-i-bonds-investors-face-a-sky-is-falling-moment/8139)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 1\ **Last updated:** [August 13, 2025, 11:04pm UTC](https://community.clark.com/t/tips-i-bonds-investors-face-a-sky-is-falling-moment/8139 "2025-08-13T23:04:28Z")
Can U.S. economic data be trusted? --- ## [” Staying Invested Beats Timing the Market”](https://community.clark.com/t/staying-invested-beats-timing-the-market/7812)
**Author:** [@p1g1](https://community.clark.com/u/p1g1)\ **Replies:** 2\ **Last updated:** [August 10, 2025, 9:33pm UTC](https://community.clark.com/t/staying-invested-beats-timing-the-market/7812 "2025-08-10T21:33:45Z")
An investor can adopt a buy-and-hold strategy or time try to time the market. Adam Fleck, Morningstar’s Director of Research, reported findings from a study on market returns. One segment of the study focused on the buy-… --- ## [I had 5,800 removed from my IRA for UBTI](https://community.clark.com/t/i-had-5-800-removed-from-my-ira-for-ubti/7906)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 6\ **Last updated:** [July 26, 2025, 7:44pm UTC](https://community.clark.com/t/i-had-5-800-removed-from-my-ira-for-ubti/7906 "2025-07-26T19:44:24Z")
I am losing 5,800 to UBTI, a term which is completely new to me. I am a member of a stock club, and 20 yrs ago I bought EPD, which is a limited partnership. All I knew about LP is that is better tax wise to keep it in … --- ## [Need advice - sibling splitting brokerage account with me](https://community.clark.com/t/need-advice-sibling-splitting-brokerage-account-with-me/7913)
**Author:** [@Lalap123](https://community.clark.com/u/Lalap123)\ **Replies:** 1\ **Last updated:** [July 8, 2025, 1:50am UTC](https://community.clark.com/t/need-advice-sibling-splitting-brokerage-account-with-me/7913 "2025-07-08T01:50:46Z")
Hello - I’m a complete newbie but have inherited some money and am trying to research and get advice so I make the best decisions for myself and my future family. My sibling and I have received an inheritance after both… --- ## [Vanguard, Fidelity, Schwab](https://community.clark.com/t/vanguard-fidelity-schwab/1039)
**Author:** [@p1g1](https://community.clark.com/u/p1g1)\ **Replies:** 38\ **Last updated:** [July 5, 2025, 2:09pm UTC](https://community.clark.com/t/vanguard-fidelity-schwab/1039 "2025-07-05T14:09:15Z")
Clark favorite sites for low cost index investing have been Schwab, Fidelity and Vanguard. Recently Clark has discussed the problems with Vanguard’s customer service include Vanguard’s app and website. A positive for V… --- ## [Anyone for TACOs?](https://community.clark.com/t/anyone-for-tacos/7742)
**Author:** [@geezerpk](https://community.clark.com/u/geezerpk)\ **Replies:** 5\ **Last updated:** [May 31, 2025, 12:48pm UTC](https://community.clark.com/t/anyone-for-tacos/7742 "2025-05-31T12:48:44Z")
An interesting read. A recent court decision might modify its impact somewhat. --- ## [CD lapsed by 15 days, and 10 is the grace period](https://community.clark.com/t/cd-lapsed-by-15-days-and-10-is-the-grace-period/7703)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 6\ **Last updated:** [May 27, 2025, 12:20pm UTC](https://community.clark.com/t/cd-lapsed-by-15-days-and-10-is-the-grace-period/7703 "2025-05-27T12:20:32Z")
My CD lapsed by 15 days, and I am not sure what the rules are for this. If they give me a lower rate for 12 months, than the special, and I remove the principal could I could loose interest for the quarter, but could t… --- ## [Will Stagflation Return in 2025?](https://community.clark.com/t/will-stagflation-return-in-2025/7249)
**Author:** [@H200h](https://community.clark.com/u/H200h)\ **Replies:** 75\ **Last updated:** [May 13, 2025, 3:36pm UTC](https://community.clark.com/t/will-stagflation-return-in-2025/7249 "2025-05-13T15:36:27Z")
It happened in the 1970’s and it wasn’t fun. Are we setting up for repeat of Stagflation? --- ## [Where to put an inherited 401K](https://community.clark.com/t/where-to-put-an-inherited-401k/7618)
**Author:** [@bws2](https://community.clark.com/u/bws2)\ **Replies:** 12\ **Last updated:** [May 15, 2025, 1:18am UTC](https://community.clark.com/t/where-to-put-an-inherited-401k/7618 "2025-05-15T01:18:22Z")
My 83 year old mom has just inherited a non-spousal 401K approx $450,000. She and my dad have a small account at Vanguard. Would it make sense to just roll it over there or is there a better company we should look at… --- ## [Brokerage account restricted and no one will tell me why or how long](https://community.clark.com/t/brokerage-account-restricted-and-no-one-will-tell-me-why-or-how-long/7628)
**Author:** [@Tina\_A](https://community.clark.com/u/Tina_A)\ **Replies:** 3\ **Last updated:** [May 9, 2025, 8:40pm UTC](https://community.clark.com/t/brokerage-account-restricted-and-no-one-will-tell-me-why-or-how-long/7628 "2025-05-09T20:40:18Z")
I have a Fidelity Roth and rollover. It is restricted since March. I have called the local branch and they transfer me to corporate. I have tried the main phone numbers several times. People try to help me but then t… --- ## [Investing through your bank](https://community.clark.com/t/investing-through-your-bank/6704)
**Author:** [@Kevin\_K](https://community.clark.com/u/Kevin_K)\ **Replies:** 19\ **Last updated:** [May 7, 2025, 9:24pm UTC](https://community.clark.com/t/investing-through-your-bank/6704 "2025-05-07T21:24:35Z")
I know Clark advises strongly against investing thru a bank but I don’t know what that means. I invest thru TRUIST Investment Services (previously SunTrust), the investment arm of my primary bank. I understand them to be… --- ## [Longer duration bonds have been a horrible investment](https://community.clark.com/t/longer-duration-bonds-have-been-a-horrible-investment/7538)
**Author:** [@Joseph\_Gal](https://community.clark.com/u/Joseph_Gal)\ **Replies:** 0\ **Last updated:** [April 24, 2025, 5:49pm UTC](https://community.clark.com/t/longer-duration-bonds-have-been-a-horrible-investment/7538 "2025-04-24T17:49:26Z")
Monetary inflation (growth of the money supply) has been growing at about 7% CAGR. Which means your bonds need to earn at least that after tax just to break even. Longer duration bonds are horrible because the principle… --- ## [Most Investors Aren't as Diversified as They Think: Are You?](https://community.clark.com/t/most-investors-arent-as-diversified-as-they-think-are-you/7509)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 7\ **Last updated:** [April 23, 2025, 6:52pm UTC](https://community.clark.com/t/most-investors-arent-as-diversified-as-they-think-are-you/7509 "2025-04-23T18:52:53Z")
You could be facing a surprisingly dangerous amount of concentration risk without realizing it. Fixing that problem starts with knowing exactly what you own. Most Investors Aren’t as Diversified as They Think: Are You? … --- ## [Pay attention, "the worm has turned", international stocks starting to beat US stocks](https://community.clark.com/t/pay-attention-the-worm-has-turned-international-stocks-starting-to-beat-us-stocks/7279)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 2\ **Last updated:** [April 20, 2025, 1:52pm UTC](https://community.clark.com/t/pay-attention-the-worm-has-turned-international-stocks-starting-to-beat-us-stocks/7279 "2025-04-20T13:52:33Z")
For more than the past decade, it has been best to be in US stocks. The bull market in US stocks has been legendary. That may be changing, however. On a 12, 6, and 3 month basis, Vanguard’s VTI US stock ETF has been bes… --- ## [What to do with short term gains from a stock sale](https://community.clark.com/t/what-to-do-with-short-term-gains-from-a-stock-sale/7457)
**Author:** [@jsickels](https://community.clark.com/u/jsickels)\ **Replies:** 5\ **Last updated:** [April 11, 2025, 4:26pm UTC](https://community.clark.com/t/what-to-do-with-short-term-gains-from-a-stock-sale/7457 "2025-04-11T16:26:10Z")
I am thinking of investing in GEHC. I retired from GEHC 11 years ago after a 28 year career there. I dumped my normal GE stock at that time but have been following GEHC ever since. I think the time is now to buy their… --- ## ["On Investing" is an original podcast from Charles Schwab](https://community.clark.com/t/on-investing-is-an-original-podcast-from-charles-schwab/7287)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 3\ **Last updated:** [March 23, 2025, 12:42am UTC](https://community.clark.com/t/on-investing-is-an-original-podcast-from-charles-schwab/7287 "2025-03-23T00:42:12Z")
Is Recession on the Horizon? March 14, 2025 Liz Ann Sonders • Kathy Jones Liz Ann Sonders and Kevin Gordon analyze the dynamics and indicators that might indicate a recession is looming. Click here to listen: https:/… --- ## [Best Recession Investments?](https://community.clark.com/t/best-recession-investments/7240)
**Author:** [@H200h](https://community.clark.com/u/H200h)\ **Replies:** 9\ **Last updated:** [March 18, 2025, 2:17am UTC](https://community.clark.com/t/best-recession-investments/7240 "2025-03-18T02:17:32Z")
What are your thoughts on the best place(s) to put your money during a recession? For a: Mild recession Moderate recession Severe recession If you are: A. 30 or more years from retirement? B. 20 or less years from … --- ## [3 Dividend Stock ETFs to Buy With $2,000 and Hold Forever](https://community.clark.com/t/3-dividend-stock-etfs-to-buy-with-2-000-and-hold-forever/7212)
**Author:** [@FerrariClunker](https://community.clark.com/u/FerrariClunker)\ **Replies:** 8\ **Last updated:** [March 11, 2025, 3:51am UTC](https://community.clark.com/t/3-dividend-stock-etfs-to-buy-with-2-000-and-hold-forever/7212 "2025-03-11T03:51:30Z")
What do you think about the claim below? 3 Dividend Stock ETFs to Buy With $2,000 and Hold Forever --- ## [Deciding on IRA Roth](https://community.clark.com/t/deciding-on-ira-roth/7180)
**Author:** [@rathkum100](https://community.clark.com/u/rathkum100)\ **Replies:** 6\ **Last updated:** [February 27, 2025, 8:03pm UTC](https://community.clark.com/t/deciding-on-ira-roth/7180 "2025-02-27T20:03:16Z")
Hello: Which way to go deciding on either 457b Pre-Tax or 457b Roth? --- ## [How safely invest proceeds from home sale](https://community.clark.com/t/how-safely-invest-proceeds-from-home-sale/5378)
**Author:** [@Genie\_Hagar](https://community.clark.com/u/Genie_Hagar)\ **Replies:** 2\ **Last updated:** [June 6, 2024, 2:49am UTC](https://community.clark.com/t/how-safely-invest-proceeds-from-home-sale/5378 "2024-06-06T02:49:47Z")
Need to invest about $250000 to safely grow for about 10 years. Intend to leave to family member as inheritance. --- ## [SPIA. Nay or yeah?](https://community.clark.com/t/spia-nay-or-yeah/6995)
**Author:** [@cyrus](https://community.clark.com/u/cyrus)\ **Replies:** 22\ **Last updated:** [February 2, 2025, 11:25pm UTC](https://community.clark.com/t/spia-nay-or-yeah/6995 "2025-02-02T23:25:09Z")
I know Clark doesn’t like annuities but from his video he seems to give a pass on Immediate annuities. I’m 65 in March and retired and plan on getting SS at age 70 or that’s the plan. I have a little over 500k in a tr… --- ## [Best for grandchildren](https://community.clark.com/t/best-for-grandchildren/6956)
**Author:** [@Melg](https://community.clark.com/u/Melg)\ **Replies:** 7\ **Last updated:** [January 30, 2025, 8:19pm UTC](https://community.clark.com/t/best-for-grandchildren/6956 "2025-01-30T20:19:48Z")
Many years ago I had turned to Clarks website to direct me in investing. What they suggested has done well so I figured where best to turn regarding my granddaughters money. I have 3 granddaughters (ages 9,11,13) whom I … --- ## [Russian investments in two giant ETFs which you might own](https://community.clark.com/t/russian-investments-in-two-giant-etfs-which-you-might-own/951)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 8\ **Last updated:** [September 10, 2024, 4:43am UTC](https://community.clark.com/t/russian-investments-in-two-giant-etfs-which-you-might-own/951 "2024-09-10T04:43:03Z")
Vanguard’s VWO Emerging Market ETF holds no Russian stocks. They used to, they divested. Also the Vanguard VEU ETF, which is all non-US stocks (developed and emerging) has no Russia. iShare’s EEM Emerging Market ETF sti… [Previous page](https://community.clark.com/c/investing/11.md) [Next page](https://community.clark.com/c/investing/11.md?page=2)