u/ATX_NOT_FOR_US

Investments today > Fund fees (beta) page looks very useful and makes having your account holdings connected or entered in via ticker symbol manually (or AI automated) worthwhile. No wonder the brokerage companies don’t usually have this kind of table – they don’t want to highlight their higher-fee managed investments alongside low cost index funds, much less list them in order of expense. This makes it easy to identify the taxable holdings that I will be looking to put in the beginning of the withdrawal order sequence when the time comes and when paying cap gains isn’t as much of an issue.

I’ve been an index investor most of my life, so it’s nice to see my average expense ratio is pretty low: 0.102%.

Although I prefer to use external AI such as Claude AI to keep track of portfolio holdings and allocating/consoldating them into asset buckets, manually entering the values into Boldin much easier now that Boldin AI can create and update plan entries. When the external AI generates a table of values and yields for manual entry, I just ask it to rephrase it as Instructions for Boldin AI to use to update the buckets including basis, yields, turnover, ets. When I told Boldin AI that I wanted to model buying a new car every 7 years in retirement and allocate a yearly gifting to family and friends, it automatically modeled and offered to apply the recurring expenses.

It seems to do a pretty good job of listing the actual entries that will be made to the plan so that you can be confident that you’re not really screwing things up by pushing a button.

My instructions for external AI projects that often result in plan updates or changes contain a prompt that looks like this:

- When recommendations are made for updating the Boldin plan, it is useful to create copyable instructions that can be used by Boldin AI to implement the changes.

EDIT: There are definitely going to be errors made by the AI. I look at this feature the way that I use voice recognition - an efficient way to enter data that probably needs to be edited before proceeding. The individual entries that will be made are listed, as if you entered them manually, before being implemented.

I’m finding AI to be absolutely essential for managing a lot of beneficiaries among a lot of accounts by updating designations online, exporting PDFs of the summaries (Fidelity even creates a beneficiary letter with all of your accounts), uploading them into an AI project with portfolio holdings, and creating an updated list with current distribution amounts. During the drawdown phase, these will have to be rebalanced, periodically. Beneficiaries will come and go, and maybe even fall in and out of favor, LOL.

Over time, I’m sure I will need AI’s help more and more to keep things efficient and balanced. It even found a long-lost and deserving relative that I didn’t know about named Claude A.I.!

I’m using an iPad 100% of the time, now, unless I’m on my iPhone and am pretty much giving up on financial apps because they are invariably inferior to the website counterparts. I thought that eventually the apps would have more features, but they don’t. Don’t even get me started on some of the companies that still just project the iPhone UI on their iPad app. It seems that interface is always the most robust and the iPad app invariably has some kind of UI glitch that hides action buttons inadvertently.

The exception seems to be Empower which seems to be app–only which also limits the ways in which you can export the data for use other tools such as AI.