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Money For the Rest of Us — Business
Money For the Rest of Us

A personal finance and investing podcast on money, how it works, how to invest it and how to live without worrying about it. J. David Stein is a former Chief Investment Strategist and money manager. For close to two decades, he has been teaching individuals and institutions how to invest and handle their finances in ways that are simple to understand. More info at moneyfortherestofus.com

Copyright: © All rights reserved

Latest Episodes:

A "Safe" 6% Yield: The Case for Investment Grade CLOs Mar 08, 2023

Show notes

How leveraged loans and CLOs work and how to invest in them. What are the risks and opportunities with the new CLO ETFs.

Topics covered include:

What are the characteristics of leveraged loans and how David has invested in them in the past, both professionally and personally.
Why LIBOR reference rate for leveraged loans is being phased out
What is the current investing climate for leveraged loans
How collateralized loan obligation work
Why insurance companies are fighting over CLOs
What are the different ways to invest in CLOs

For more information on this episode click here.

Show Notes

Companies, Lenders Clash Over Loan Spreads in Switch from Libor by Mark Maurer—The Wall Street Journal

Libor: The Spider Network—The Wall Street Journal

Collateralized Loan Obligations (CLOs) Primer by Jennifer Johnson—NAIC and The Center for Insurance Policy Research

Investing In The Middle: Tapping Into Opportunities in Middle Market Lending—AllianceBernstein

Top 10 US CLO Managers: CLO AUM (30 Nov 2022)—CLO Research

Default, Transition, and Recovery: 2021 Annual Global Leveraged Loan CLO Default And Rating Transition Study—S&P Global Ratings

U.S. BSL CLO And Leveraged Finance Quarterly: Is Winter Coming? by Stephen Anderberg, Daniel Hu, Et al.—S&P Global Ratings

Risk Assessment of Structured Securities - CLOs by Eric Kolchinsky, Charles A. Therriault, Marc Perlman—National Association of Insurance Commissioners (NAIC)

Monthly US CLO Index - December 2022—Fitch Ratings

Private equity-backed insurers under US scrutiny over risky loans by Antoine Gara and Sujeet Indap—The Financial Times

Private Equity Taps Insurers' Cash to Speed Up Growth by Matt Wirz and Leslie Scism—The Wall Street Journal

Investments Mentioned

Virtus Seix Floating Rate Income Fund (SAMBX)

Virtus Seix Senior Loan ETF (SEIX)

Invesco Senior Loan ETF (BKLN)

DoubleLine Flexible Income Fund (DFLEX)

BlackRock Debt Strategies Fund (DSU)

BlackRock AAA CLO ETF (CLOA)

iShares Treasury Floating Rate Bond ETF (TFLO)

Janus AAA CLO ETF (JAAA)

Janus B-BBB CLO ETF (JBB)

VanEck CLO ETF (CLOI)

Eaglepoint Credit Company (ECC)

Oxford Lane Capital Corp (OXLC)

Related Episodes

305: Are Banks Safe?

206: Be Bear Aware of Bank Loans

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This Stock Has a 15% Dividend Yield and Has Outperformed Warren Buffett. Should You Invest? Feb 22, 2023

Show notes

Do activist hedge funds including Carl Icahn's add value? Should you invest in Icahn Enterprises L.P., a conglomerate with a 15% dividend yield and a stake in Carl Icahn's hedge fund?

Topics covered include:

How Icahn Enterprises' (IEP) investment performance compares to Berkshire Hathaway
How to analyze individual stocks and why it is challenging
What are activist hedge funds and do they make a positive performance difference
What are the risks and opportunities of investing in IEP

For more information on this episode click here.

Sponsors

Money Pickle – Schedule a free 45-minute video chat with a vetted financial advisor and ask them anything about your financial situation. Go here to schedule your free session.

NetSuite – the leading integrated cloud business software suite

Show Notes

Icahn Enterprises L.P.

The Activism of Carl Icahn and Bill Ackman by Jason D. Schloetzer and Richard Lee—SSRN

The Long-Term Effects of Hedge Fund Activism by Lucian A. Bebchuk, Alon Brav, Wei Jiang—SSRN

Did They Live Happily Ever After? The Fate of Restructured Firms After Hedge Fund Activism by Jongha Lim and Wonik Choi—SSRN

Related Episodes

242: Should You Let Warren Buffett Manage Your Money?

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Beware of Survivorship Bias When Investing Feb 15, 2023

Show notes

Why long-term U.S. stock market outperformance could be because it has avoided major catastrophes. Does an over-reliance on historical U.S. stock returns when modeling retirement outcomes lead to spending rates that are too high?

Topics covered include:

Why you might consider earthquake insurance
What is survivorship bias and what are some examples
Why the U.S. is an outlier when it comes to stock market performance
Why the 4% retirement spending rule might be too high
If the 4% spending rule is too high, what can retirees do instead to have enough for retirement
Why the size and scale of the U.S. economy provide some resistance to catastrophes

For more information on this episode click here.

Thanks to our Sponsors

Masterworks – invest in contemporary art

Show Notes

Survivorship Bias—Matt Rickard

Is The United States A Lucky Survivor: A Hierarchical Bayesian Approach by Jules H. van Binsbergen, Et al.—SSRN

The Financial History of Emerging Markets: New Indices by Bryan Taylor—SSRN

The (Time-Varying) Importance of Disaster Risk by Ivo Welch—Financial Analyst Journal

The Safe Withdrawal Rate: Evidence from a Broad Sample of Developed Markets by Aizhan Anarkulova, Et al.—SSRN

The 2.7% Rule for Retirement Spending by Ben Felix—YouTube

Trends in Retirement and Retirement Income Choices by Tiaa Participants: 2000–2018 by Jeffrey R. Brown, Et al.—SSRN

Related Episodes

250: Investing Rule One: Avoid Ruin

326: The New Math of Retirement Spending and Investing

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Does a 60/40 Balanced Portfolio Still Work? Time to Jettison Non-U.S. Stocks? Feb 08, 2023

Show notes

What are the pros and cons of a simple stock and bond portfolio consisting of two funds or ETFs? Given U.S. stocks have significantly outperformed the rest of the world over the past decade, is there even a role for non-U.S. stocks in your investment portfolio?

Topics covered include:

How have 60/40 and similar portfolios performed over the long-term
What are the advantages and disadvantages of a 60/40 portfolio
What is the expected return of a 60/40 portfolio and what should be included?
What has contributed to U.S. stocks outperforming non-U.S. stocks over the past decade
Why have emerging markets stocks done so poorly
What has to happen for U.S. stocks to continue to outperform non-U.S. stocks

For more information on this episode click here.

Sponsors

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Show Notes

BlackRock vs. Goldman in the Fight Over 60/40 by James Mackintosh—The Wall Street Journal

Battered 60-40 portfolios face another challenging year by Adrienne Klasa—Financial Times

The case for the 60/40 portfolio in equities and bonds by Erin Browne—Financial Times

Investors wonder if the 60/40 portfolio has a future by Michael Mackenzie—Financial Times

Has the tried and tested 60/40 strategy soured? by Maya Bhandari—Financial Times

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How to Make Portfolio and Asset Allocation Changes Feb 01, 2023

Show notes

We consider four case studies in which individuals struggle to decide what to do with their investment portfolios.

Topics include:

Why it's so difficult to reenter the stock market after sitting on the sidelines and what to do instead
What are the risks of having a too aggressive portfolio allocation in retirement and what to do instead
What to do when an investment strategy has worked really well but you feel it is time to make a change
How to decide on an appropriate portfolio mix after a significant financial change

You can learn more about Money for the Rest of Us Plus here.

For more information on this episode click here.

Related Episodes

306: Three Approaches to Asset Allocation

401: Why Diversifying Your Portfolio Feels Awful

Show Notes

Case studies were pulled from the following Plus episodes:

287 Plus: Coronavirus Update, Mid Month Investment Conditions and Overcoming the Fear of Investing

306 Plus: Member Profile, Bond Investing, and Emerging Technology

310 Plus: Mid Month Update and a Member Wants to Reallocate from Growth Stocks

331 Plus: Member Profile, Tail Risk Protection, Rental Real Estate as Bond Substitute, and YYY ETF

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Bond Investing Master Class - How to Invest in Fixed Income Jan 25, 2023

Show notes

What you need to know to confidently invest in bonds.

Topics covered include:

Key components of bond investing include face value, coupon rates, yield-to-maturity, duration, and convexity
How to decide between owning longer-term or short-term bonds
How to decide whether to own individual bonds or bond funds and ETFs
When to use active bond management versus bond indexing
How bullet bond ETFs work and when to use them
How to know when to invest in municipal bonds and corporate bonds
When should you own foreign bonds
Should you own bonds in taxable or tax-deferred accounts
A bond case study based on current interest rates

For more information on this episode click here.

Sponsors

Money Pickle - Schedule a free 45-minute video chat with a vetted financial advisor and ask them anything about your financial situation. Go here to schedule your free session.

Fundrise - The largest direct-to-investor alternative investment platform in the U.S.

Show Notes

A Complete Guide to Investing in I Bonds and TIPS—Money for the Rest of Us

Investments Mentioned

iShares 20+ Year Treasury Bond ETF (TLT)

Vanguard Short-Term Treasury ETF (VGSH)

iShares® iBonds® Dec 2025 Term Treasury ETF (IBTF)

iShares® iBonds® Dec 2025 Term Corporate ETF (IBDQ)

Vanguard Total Bond Market Index Fund ETF (BND)

Doubleline Total Return Bond Fund (DBLTX)

Related Episodes

337: Why in the World Would You Own Bonds?

378 Plus: A Frustrating Time To Invest and Did Bulletshares Underperform?

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Will Generative AI Like ChatGPT Replace Your Job? Jan 18, 2023

Show notes

How sophisticated AI apps from OpenAI and other companies create articles, art, and other works that have never existed. How generative AI will impact business owners, employees, students, and financial markets.

Topics include:

How AI is creating personal finance articles and other creative works
ChatGPT's attempt at writing a script for the Money For the Rest of Us podcast
How ChatGPT and other large language models work
What are the risks and flaws of generative AI
How can we adapt and take advantage of generative AI

For more information on this episode click here.

Sponsors

Masterworks – invest in contemporary art

NetSuite - the leading integrated cloud business software suite

Show Notes

We Are Here To Create: A Conversation with Kai-Fu Lee—Edge

CNET Is Quietly Publishing Entire Articles Generated by AI by Frank Landymore—Futurism

CNET Money—CNET

Should You Break a CD Early for a Better Rate by AI engine and edited by Jaclyn DeJohn—CNET

NerdWallet, Inc. Q3 2022 Earnings Call—NerdWallet

The Backstory of ChatGPT Creator OpenAI by Berber Jin and Miles Kruppa—The Wall Street Journal

GPT-3.5 + ChatGPT: An illustrated overview by Alan D. Thompson—Life Architect

AI-generate answers temporarily banned on coding Q&A site Stack Overflow by James Vincent—The Verge

Alarmed by A.I. Chatbots, Universities Start Revamping How They Teach by Kalley Huang—The New York Times

A Coming-Out Part for Generative A.I., Silicon Valley's New Craze by Kevin Roose—The New York Times

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Your Nation's National Debt: 5 Things You Need to Know Jan 11, 2023

Show notes

We analyze the worrisome national debt situation in the U.S., UK, and Japan and consider what will determine the likelihood of default

Topics covered include:

How big is the national debt in the U.S., UK, and Japan
Why Japan and UK interest rates have increased
When do federal government debts jump the most
What two numbers are key to whether a level of national debt is sustainable
What are five ways indebted countries have reduced the relative size of their debt
Why quantitative easing is not a solution to a national debt crisis

For more information on this episode click here.

Sponsors

Show Notes

Debt to the Penny—U.S. Treasury Fiscal Data

Federal Debt and the Debt Limit in 2022—Congressional Research Service

Can the Central Bank Alleviate Fiscal Burdens? by Ricardo Reis—London School of Economics and Political Science

UK government debt and deficit: June 2022—Office for National Statistics

Japan's Experience with Yield Curve Control by Matthew Higgins and Thomas Klitgaard—Liberty Street Economics

What is the national debt?—U.S. Treasury Fiscal Data

Major Foreign Holder of Treasury Securities—Treasury International Capital System, U.S. Treasury

The Liquidation of Government Debt by Carmen M. Reinhart and M. Belen Sbrancia—International Monetary Fund

Related Episodes

295: Federal Reserve Insolvency and Monetizing the National Debt

338: The National Debt, Inflation, and the U.S. Dollar—What Could Go Wrong?

360: Will the U.S. Default? Debt Ceilings, Government Shutdowns, and the National Debt

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Listener Q&A Jan 04, 2023

Show notes

We kick off 2023 by answering your questions on making portfolio changes, risk tolerance, the strong dollar, inflation and retirement, influential books, and other topics.

For more information on this episode click here.

Episode Sponsors

Thanks to LinkedIn for sponsoring the episode. Use this link to post your job for free on LinkedIn Jobs.

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Use Caution With Private REITs Like Blackstone’s BREIT - Is Now a Good Time to Invest in REITs? Dec 14, 2022

Show notes

How public equity REITs differ from private REITs. Why investors are selling out of private REITs and why private REIT sponsors like Blackstone and Starwood are limiting investors' ability to do so.

Topics covered include:

What are public and private real estate investment trusts
Why has Blackstone's BREIT been such a success
Why investors are trying to exit private REITs
Why commercial property values are falling
Is now a good time to invest in public and private REITs?

For more information on this episode click here.

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Show Notes

How the gates closed on Blackstone’s runaway real estate vehicle by Antoine Gara, Sujeet Indap, and Kaye Wiggins—Financial Times

Investors Yank Money From Commercial-Property Funds, Pressuring Real-Estate Values by Konrad Putzier and Peter Grant—The Wall Street Journal

How the gates closed on Blackstone’s runaway real estate vehicle by Antoine Gara, Sujeet Indap, and Kaye Wiggins—Financial Times

Investors Yank Money From Commercial-Property Funds, Pressuring Real-Estate Values by Konrad Putzier and Peter Grant—The Wall Street Journal

Property Insights: Roller Coaster by Michael Knott—Green Street

Rising Interest Rates Threaten to Expose Office Buildings’ Inflated Values by Konrad Putzier—The Wall Street Journal

Why Blackstone’s $69 Billion Property Fund Is Signaling Pain Ahead for Real Estate Industry by John Gittelsohn and Patrick Clark—Bloomberg

Blackstone’s $70 Billion Real Estate Fund for Retail Investors Is Losing Steam by Dawn Lim and John Gittelsohn—Bloomberg

Related Episodes

183: How To Invest In Commercial Real Estate

230: Use Caution With Real Estate Crowdfunding

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