advice and tips finance

Review 401ks II

Today I started to look at other 401k accounts I have and evaluate whether I need to make any adjustments. This is a continuation of my earlier post.

In the past I do looked at them from time to time, but was not on a fixed schedule or anything. But I did start making some adjustments in last year or so, to my couple portfolios. For example, I got rid of the international funds in my Siemens 401k plan, I believe those will continue to underperform over the US equities in next 10 years or so. Most US companies are international companies too: I looked at the US large cap fund, the top 5 holdings are Microsoft, Apple, Amazon, Alphabet (Google) and Facebook. And its performance in last 1, 3, 5 and 10 years (10.5% vs 10.5% annualized) is fairly comparable to S&P index. Note in my earlier post I mentioned I am mostly keen on 10 years performance. Because we were mostly in a bull market in last 10 years (2010 to 2020). I recall Sept 2008 and March 2009 were two market lows last time around during financial crisis / great recession. So this is a bit confirmation of the market effect.

For this Siemens 401k account, I actually don’t plan to do anything today. I did update the address, since I moved from condo to current single family house in last August. I will still have a few more portfolio to look, as you can see from my linkedin profile, I changed job a bit in last 10 years or so. And I mainly used two choices when I deal with the 401k: leave them alone (for the most part); or move them to IRA (applicable to my 401k when I was in contractor position, as they usually will not let me leave the money there). I end up with 2 IRAs over the years, and a few more 401ks. Maybe at some point, I will consolidate, as management of those can become more tedious. As a minimum I need to have user name / password for them. The only place they have single sign on is the credit card company I worked for. A bit off topic, I recall a gentleman who used to work for Disney, and he said Disney has at least three SSOs. Then my colleague commented then it’s MSSOs 🙂

iPhone app

Looking for a few good reviewers and bloggers for iPhone app

I am looking for a few good reviewers and bloggers for my 1st iPhone app, myNestEgg ~ the retirement calculator. Here are a few basic requirements for the reviewer/blogger:

1) An iPhone, iPod Touch, or an iPad device with iOS 3.1.2 or above.

2) Has an iPhone app review site or a personal finance blog web site. More importantly, are willing to try out my app and write independent reviews.

How to get the app?
The app is at “Wait for review” stage. I can build ad hoc version of the app and send it to you (about 500k). Email me if you are interested. My email address is .

iPhone app

Submit my 1st iPhone iOS app, wait for review

After I initially upload myNestEgg (Aug 30 night), I did couple “developer reject” to add data persistence (Aug 31), and correct icon matching problem (Sept 7). It’s still in the “Wait for review” as of this writing.

Interestingly today Apple announced some change of iOS app license agreement, and put up a new App Store Review guidelines. One needs the iOS developer program to read the full content. But one can always read that from google news (I personally like what arstechnica has to say).

BTW, I found this Apple iOS App Store submission tips to be helpful. And this thread How long “waiting for review” to be fun. Per this thread, I should start working on the next app. Or start port my app to Android?