[siilats]

Finance PhD here who also administers and custodies my own 401k plan. 1. Treasuries have 6% volatility, stock market has 18% so your optimal modern portfolio theory portfolio should have 3 times treasuries and 1 times stock. 2. This will give you annualized volatility of around 9%. If you want the 18% volatility that the stock market offers you need to leverage 2x (your portfolio is mostly treasuries). 3. You can use treasury futures to leverage, you make money every 3 months on the roll. There is free roll analysis that gives you the leverage costs on CME website. 4. Your 401k plan is just a 70 page pdf file that you sign. The small business CEO should be the custodian and the fiduciary and just a. sign the 401k pdf trust document. b. open vanguard account on the trust name. c. keep an excel sheet of everyones contributions or have vanguard create sub accounts. 5. Its incredibly risky having a 0.03% custodian. DAO and bitcoin come to mind. Whats the fiduciary bond amount that Guideline has? Max €500k so if someone hacks their vanguard omnibus account and wires the money out they are done.