MZ Capital Management
Michael Zhuang is founder and principal of MZ Capital, a fee-only registered investment advisor firm located in the Greater Washington D.C. metropolitan area.
Michael earned dual Master Degrees in Mathematics and Quantitative Finance from Carnegie Mellon University. He was also a PhD candidate for Financial Economics. After completing all training and exams, he decided his true calling is not in academia. The PhD training taught him how to think rigorously and research thoroughly.
From 1999 to 2000, Michael worked as a financial engineer for Societe Generale, the biggest French banking group.
From 2000 to 2003, Michael was hired by PG&E National Energy Group to launch their weather derivatives trading business. Within 2 years, he became one of the top 3 traders in the field. Nevertheless, he saw first hand the crooked ways of the financial industry where everything goes to make a buck. That experience motivated him to launch MZ Capital.
Michael's investment approach is based on the Nobel Prize winning research of Eugene Fama. He is also deeply influenced by three people: Warren Buffet on value-orientation and patience, David Swensen on multi-asset-class investing and decision framework, and John Bogle on minimization of costs for clients and stewardship of clients' money.
Michael is active in the community. He twice sponsored Melodic Impact, a musical fundraiser for kids with cancer. He volunteered as an instructor for Toastmasters International's Youth Leadership Program. He was on the board of Special Love, Inc., a non-profit devoted to kids suffering from cancer. Recently, he also completed Leadership Montgomery.
Michael is married with two children. His favorite past time is stand-up comedy and storytelling. He was nominated as Top Ten Storytellers in Virginia. He has also won multiple Story League contests in DC and Best Storyteller in Philadelphia's Story Slam. He performed clean comedy regularly in corporate, charity and association events.
MS, Finance and Economics, Carnegie Mellon University
MZ Capital Management Story and Value
Not know what's your situation, by it can't go wrong with investing in a Vanguard target retirement fund.
Yes. As long as your 401k plan allows you to take out a loan, you should do that. Once you did that, you may want to cancel your credit cards though since old habit dies hard.
Yes but be careful. Once the 15 month period is up, you may be hit with an even higher interest rate, so use this time to paydown your balance instead of spending even more money. Also don't charge any new purchases to your new 0% interest rate card. Most of the 0% rate offer is only for your balance transfer, for purchases they will sneakly hit you with an exorbitant interest rate and when you make a payment, it will go toward the 0% balance and the high interest balance will stay on the book. The bank is not stupid, they know most people fall into their trap, you just need to outsmart them.
You are going about it the right way. The best investment you can make now is in yourself. A starter book I highly recommend is Investment Made Simply by Mike Piper.
I only use Vanguard and Dimensional Fund Advisors. Size itself doesn't matter since both firms could be equally bad. In my twenty years in investment, I have not seen any other fund managers measure up to the above mentioned two.