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LJ, ask the SR what...if I am right not to get excited about the PRF bottom line? I'm not going to waste time doing that. However, if I'm going to get on the SR's schedule to chat about my PRF, it's because I want to know what the weaknesses and strengths in my records were that led to my strat, not ask whether or not I think my PRF is something to get excited about.
I follow the Lazy Portfolio theory (4 fund to be specific). Not very glamorous, but I'm a believer. You can do it with ETFs or mutual funds. Pros and cons to each method. With only $10K to invest, ETFs have a lot of benefits.
As for brokerage, I'd say start with building your asset allocation in generic terms. X% small/mid/large cap, Y% bonds, Z% real estate, etc. Then go out in the ETF world and find the funds or stocks that you want to plug in to those niches. If two families offer the same fund (S&P 500, for example), then the lowest expense ratio wins.
Finally, find the lowest cost brokerage to make those trades happen. TD Ameritrade has ~100 commission-free ETF options from several fund families. Fidelity offers iShares commission-free. Or just open a Vanguard account and use their ETFs. Other companies have a fund or two that are cheaper, but as a whole, the lowest expenses are at VG.
Hey guys I completed the TBAS and got a PCSM of 93 with 61 flight hours. My breakdown for extra flight hours is:
81+: 96 PCSM
101+: 98 PCSM
201+: 99 PCSM
I'm waiting on one more letter of rec to be turned in to me before I submit my package to the guard unit. Should I hold off and build more time or just go for it once I get the letter? Thanks for all the responses!!