Viewing profile — bpm11

Solve what's meaningful for you today. If something more meaningful arises, you can switch course in the future. State upfront that you will not hold regrets, for to regret a decis…

Great job. Looking forward to checking it out!

Cool idea that I'd like to see gain product/market fit in some way - how do you plan to monetize this?

that another cool thing about the Kivalia framework. We have time-stapped market views, so we can confidently go back and say "Here's what we would have recommended for your plan 9…

I do like the idea of strategically selling volatility in a portfolio. I've been toying with the idea of adding some of these orthogonal (or nearly so) parameters in the Kivalia fr…

Interesting catch, Paul. If you look at the plan itself (E*Trade Commission-Free ETFs) there aren't a lot of fixed income options available in the list and all of them seem to be i…

Currently fund ratings are determined as risk adjusted excess return versus the fund's best fit index. A "C" is average (no curve here!), so you'll find most index funds will be ra…

A couple thoughts - re: managed funds or what you're getting in a particular fund. Our style maps for each fund (shown in the bottom right of any fund detail screen) break down how…

Low fees are clearly better than higher fees, but you probably won't be able to build a very diversified portfolio based on selecting investments based solely on fees. For example,…

We're not shooting for bulletproof security, at this time, as there is no personal info here. If we were, we'd probably be hiding the model portfolios behind the firewall as well. …

From my knowledge Brightscope rates the plans themselves based on expenses and other criteria. Kivalia provides plan participants ongoing, actionable advice on how to invest the fu…

thanks for pointing that out, elindell...I've noticed that every once in awhile as well and we'll stamp that out.

Well, that's exactly what Kivalia does; helps you decide which funds to own at any point in time - and how to combine them. Of course you have to create the list at Kivalia, but th…

That seems like a complete conflict of interest. Do you mean that they require you to have your account managed, for a fee, in order to get matching funds?

Thanks, Bradley. Tutorial explanation comment is noted - we have some ideas on that front. There are a few themes that we're playing on with regards to the advice, and we'll try to…

anandabits - that's the point of our service! It is specific advice customizable to your specific 401(k) plan. Check out the site to see what I'm talking about. I've got to agree w…

Then you might benefit from the advice we provide that takes advantage of the "no commission" ETF lists at the leading brokers (Fidelity, Schwab, E*Trade, TD Ameritrade) to start. …

Agree completely wj! Feel free to chat w/me if and when you'd like.

Brightscope rates plans based on cost and other attributes, while we provide actionable advice for participants in any plan. The actionable advice is in the form of model portfolio…

Hi all, "Edit: I'm the co-founder of Kivalia." We've spent about 1 1/2 years developing the above-linked community-based 401(k) advisory service offering, which is now live. We'd w…