The online services Betterment and WealthFront explicitly state they hold the efficient markets hypothesis is true and invest exclusively in broad-market index funds. I consider their approach to be an alternative to using Vanguard, which is to say, they offer an excellent service and many people would be well to use them, but I believe more optimal investing is possible. In my opinion it is not really possible to scale a market-inefficiency-exploiting strategy to the level that Betterment and WealthFront are after.

Am I right that services like Betterment and WealthFront are basically automating most of this? They offer automated investment in a mix of ETFs (of stocks and bonds) weighted to ones risk tolerance, which is rebalanced automatically, and bought/sold in the most tax efficient manner (all for a small fee).

I recently spent some time figuring out how I wanted do investing in the US, and settled on using Betterment. Using a service like theirs seems strictly better than doing it myself, and I haven't found any compelling arguments that finding a financial advisor would be worth the effort.

Is there still a rewards credit card that autodonates to MIRI or CfAR? I've seen them mentioned, but can't find any sign up links that are still live.

Could we get a summary report (preferably in thrilling sportswriter style) on what happened in those 24 hours?

I assume the ideal time for larger donations is right after 6 and 7pm pst.

There isn't a cap on how much matching funds an individual donation can pick up, right?

(MIRI lost the third hour despite being comfortably on top of the leaderboard: what matters is the increase over the last hour, so at this point the leaderboard is probably misleading as an indicator of how close things are.)

The leaderboards for most unique donors seem pretty close between MIRI and the next contender, so additional $10 donations may be getting unusual value per dollar right now. (The first hour was close between MIRI and a different organization with both having something like 34 unique donors, so in that sort of situation, if the highest number wins, the expected value to MIRI of a donation might be on the rough order of $100.)

The timezone conversion links aren't set up right. For most of them the first two characters lead to a different pare than the other characters.

Oh, yeah. I thought you meant you put it on the LessWrong Facebook group, not the MIRI Facebook page.

So let's say I'm planning to donate once. If I want to make sure it has the most marginal utility, I'll just donate during 1am hour even though many other LWers probably also give during that time given that it's the first item on the list?