— This blogpost started as a comparison with safe bond mufu (as another platform to highlight the differences)
Even safe bond funds on FSM involve much higher effort than my Robinhood process.

• 👎 my recent amounts are too large, typically 10k. Sugg: reduce to 1k
• 👎 risk/diligence: when I sell, I have to stay alert and ensure I don’t sell the wrong lot i.e. from the wrong account
• 👎 the profit has to be recorded in my exp recon s/s
• 👎 I check the PnL for each position too often.
• 👎 my tolerance is too low for large cash balance. sugg: accept 30k cash balance in cash account

— other efficiency advantages (+disadvantages) of Rbh, half-ranked by unfamiliarity (sunshine needed)

• 👍 $0 commission, small trades .. 3-min due diligence buying compared to bonds or Sreit
• 🙁 .. pre-clear when buying/selling
• 👍 sustainable and long-term trend .. only in U.S. market .. less babysitting about exit timing
• 👍 $0 exp ratio .. can hold. less babysitting about exit timing
• 👍 small commitments to each stock .. less babysitting
• 👍 multiple quality web sites summarizing forecasts + stock analysis .. efficient xx if you want to spend the time
• 👍 funding .. as simple as a few clicks
• 👍 😉 div and realized gains too numerous to be recorded in exp recon s/s. Double-edged sword.
• 👍 GTC limit order .. more efficient than watching and sending market orders during night sessions
• 🙁 U.S. tax
• 🙁 monthly reporting