Money For the Rest of Us

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**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

Latest Episodes:

What Investment Style Fits Your Personality? Feb 23, 2022

Show notes

How to decide the investing scale and timeframe that works best for your temperament.

Topics covered include:

How stocks perform in the days and weeks following catastrophic events
What are some potential financial impacts of Russia's invasion into Ukraine
How complex systems operate at different scales and timeframes
What are examples of different scales and timeframes for investing
How tactical asset allocation strategies work
Why schema and rules of thumb develop and how do they get passed on
How to decide on which investment approach works best for you

Thanks to Mint Mobile and LinkedIn for sponsoring the episode.

For more information on this episode click here.

Show Notes

Nikkei 225 Index - 67 Year Historical Chart—Macrotrends

Panarchy: Understanding Transformations in Human and Natural Systems by Lance H. Gunderson (Editor)

Allocate Smartly

Protective Asset Allocation (PAA): A Simple Momentum-Based Alternative for Term Deposits by Wouter J. Keller and Jan Willem Keuning

Trying Not to Try: The Art and Science of Spontaneity by Edward Slingerland

Related Episodes

203: Is Investing More Like Poker or Chess?

266: Using Momentum Investing and Trend Following

374: Lifecycle Investing, Risk Parity Portfolios, and Why Stocks Are Riskier in the Long Run

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Five Financial Lessons From Middlemarch Feb 16, 2022

Show notes

Key takeaways from one of the greatest personal finance novels of all time.

Topics covered include:

Why it is easier to keep doing the same old thing
Why partners should discuss their finances
Why debt can be suffocating
Why leverage can be dangerous
One of the most satisfying ways to give away wealth

Thanks to OurCrowd and Policygenius for sponsoring the episode.

For more information on this episode click here.

Show Notes

Middlemarch by George Eliot

Middlemarch Book Summary—Stonory

Rebecca Mead/"'Middlemarch' and Me"—The New Yorker (Video)

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Lifecycle Investing, Risk Parity Portfolios, and Why Stocks Are Riskier in the Long Run Feb 09, 2022

Show notes

How lifecycle investing and risk parity portfolios can assist you in having sufficient assets to retire. What are the two types of time diversification and why is one flawed?

Topics covered include:

What is settled work and what are some examples
How does lifecycle investing work and should you consider it
Why investing in stocks and other volatile asset classes is riskier over longer holding periods
What are risk-parity portfolios and how to evaluate them

Thanks to Masterworks for sponsoring the episode.

For more information on this episode click here.

Show Notes

The moral calculations of a billionaire by Eli Saslow—The Washington Post

Life-Cycle Investing and Leverage: Buying Stock on Margin Can Reduce Retirement Risk by Ian Ayres and Barry J. Nalebuff

Lifecycle Investing - Leveraging when young, Forum Discussion by Steve Reading on bogleheads.org

What Practitioners Need to Know… About Time Diversification (corrected March 2015) by Mark Kritzman—Financial Analysts Journal Volume 71, Number 1

Wishful Thinking About the Risk of Stocks in the Long Run: Consequences for Defined Contribution and Defined Benefit Retirement Plans by Zvi Bodie

Pension Obligation Bonds: Know Their Appeal and Pitfalls by Todd Tauzer—Segal

Shrinkage Estimation in Risk Parity Portfolios by Nabil Alkafri and Christoph Frey

Portfolio Charts

How to Invest in Closed-End Funds—Money For the Rest of Us

Related Episodes

How to Invest in Closed-End Funds

Why You Should Rebalance Your Portfolio

306: Three Approaches to Asset Allocation

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are Stablecoins Safe? Should You Own Them? Feb 02, 2022

Show notes

How stablecoins are similar and different from other monetary assets. What are stablecoin risks. Why central bank digital currencies are one of the biggest threats to stablecoins.

Topics covered include:

Why the Federal Reserve and other central banks are exploring issuing their own digital currencies
What is the difference between public and private money
How deposit insurance and central bank actions prevent runs on private money
How money market mutual funds are a type of stablecoin
How true stablecoins and algorithmic stablecoins differ
What is driving the demand for stablecoins
What are the risks of stablecoins

Thanks to LinkedIn and Policygenius for sponsoring the episode.

For more information on this episode click here.

Show Notes

Money and Payments: The U.S. Dollar in the Age of Digital Transformation January 2022—Board of Governors of the Federal Reserve System

Taming Wildcat Stablecoins by Gary B. Gorton and Jeffery Zhang

Money Stock Measures - H.6 Release—Board of Governors of the Federal Reserve System

Top Stablecoin Tokens by Market Capitalization—CoinMarketCap

Transparency—Tether

Report on Stable Coins, November 2021—Various US Agencies

Built to Fail: The Inherent Fragility of Algorithmic StablecoinsDr. Ryan Clements

The Quest for a Truly Decentralized Stablecoin by Brady Dale—Coin Desk

Cryptocurrency Doesn’t Amount to Much by Steve H. Hanke and Matt Sekerke—The Wall Street Journal

Related Episodes

319: Here Come Central Bank Digital Currencies

339: How To Make Money with BlockFi, Dai, and the Evolving DeFi Ecosystem

333: How The Covid Shock Nearly Destroyed The Financial System

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When Should You Sell An Investment? Jan 26, 2022

Show notes

We explore four reasons to sell an asset with a focus on the Ark Innovation ETF, Bitcoin, and equity REITs. We also put the current stock market sell-off into historical perspective.

Topics covered include:

What are lousy reasons to sell an investment
What is a sell discipline
What are four good reasons to sell an investment
Why and why not to invest in the Ark Innovation ETF (ARKK)
Why growth stocks are getting crushed in the current market sell-off
How frequently does the stock market correct by more than 10%

Thanks to Mint Mobile for sponsoring the episode.

For more information on this episode click here.

Show Notes

Bitcoin Bounces Back After Falling Below $33,000 by Anna Hirtenstein—The Wall Street Journal

Selling Out, Memos From Howard Marks—Oaktree Capital Management

Here's Cathie Wood's advice to her fund's investors after a 58% sell-off in Ark's flagship ETF by Matthew Fox—Markets Insider

Related Episodes

291: How To Survive the Coronavirus (COVID-19) Shutdown

302: Investing is Not Knowing

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Find Your Retirement Investing and Living Style Jan 19, 2022

Show notes

What are the pros and cons of the four approaches to managing retirement savings. How to implement a bucketing or time segmentation retirement investing approach.

Topics covered include:

Why it takes time to find a retirement pattern that fits
How retirement investing is a balance between safety-first and probability-based as well as maintaining optionality and committing.
How total return investing differs from a safety-first approach
What are products allow for a risk floor but also provide some potential growth
How a time segmentation or bucket approach to retirement investing works

Thanks to Policygenius and Masterworks for sponsoring the episode.

For more information on this episode click here.

Show Notes

Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success (The Retirement Researcher Guide Series) by Wade Pfau

A Model Approach to Selecting a Personalized Retirement Income Strategy by Alejandro Murguia and Wade D. Pfau

The Four Approaches to Managing Retirement Income Risk by Wade D. Pfau

Build Ladders With iBonds® ETFs—iShares

Related Episodes

279: Why All Retirees Should Consider an Income Annuity

306: Three Approaches to Asset Allocation

326: The New Math of Retirement Spending and Investing

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Should You Invest In Small and Mid Cap Stocks? Is Now the Time? Jan 12, 2022

Show notes

Small and mid-cap stocks have underperformed large-cap stocks for over a decade. Is now the time to increase your allocation?

Topics covered include:

How big are small and mid-cap stocks
How have small and mid-cap stocks performed relative to large-cap stocks
How have active small and mid-cap managers performed relative to indexing options
Are bigger IPOs contributing to small and mid-cap stocks underperformance
How expensive or cheap are small-cap stocks relative to large-cap
What is the capital asset pricing model and how do academics use it to identify outperforming factors
How value, momentum, and quality drive small-cap stock outperformance
How to invest in small and mid-cap stocks

Thanks to Policygenius for sponsoring the episode.

For more information on this episode click here.

Show Notes

The Morningstar Active/Passive Barometer

Initial Public Offerings: Updated Statistics January 5, 2022, by Jay R. Ritter—Warrington College of Business, University of Florida

The Nexus of Anomalies-Stock Returns-Asset Pricing Models: The International Evidence by Rahul Roy and Shijin Santhakumar

The Cross-Section of Stock Returns before 1926 (And Beyond) by Guido Baltussen, Bart van Vliet, and Pim van Vliet

Factor Timing: Keep It Simple by Michael Aked—Research Affiliates

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Year-End 2021 Listener Q&A Episode Dec 15, 2021

Show notes

We answer listener questions in our final episode of 2021.

Topics covered include:

Estimating financial market returns in the next thirty years
Investing in art
Whether stocks will no longer exist
How to start investing
Fidelity's new Bitcoin ETF
How mutual funds are priced
How to teach family members about investing
Volatility versus drawdowns
How to face the uncertainty of crashing stocks, rising interest rates, and numerous other economic and financial threats
David's four most recent investments he made in his personal portfolio

Thanks to Policygenius and OurCrowd for sponsoring the episode.

For more information on this episode click here.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How To Invest in Web3, DAOs and the Metaverse Dec 08, 2021

Show notes

What is Web 3.0 and how will it transform the world? How you can invest your time and money in decentralized autonomous organizations and other Web3 projects.

Topics covered include:

What are Web 1.0, Web 2.0, and Web 3.0 and how do they differ
What are decentralized autonomous organizations (DAOs)
How DAOs operate and what are some examples
How to register one's Web 3.0 user name
How the Ethereum network, a major part of Web3, is changing
How to participate and invest in DAOs and other Web3 projects

Thanks to LinkedIn and Commonstock for sponsoring the episode.

For more information on this episode click here.

Show Notes

Decentralized autonomous organizations (DAOs)—Ethereum

State of the DAOs #0 | Oct 6th, 2021 by BanklessDAO Writers Guild—BanklessDAO

Decentralized Autonomous Organizations;The New Coordination Frontier by Calvinme—Medium

Organization Legos: The State of DAO Tooling by Nichanan Kesonpat—Medium

Gas and Fees—Ethereum

Ultra Sound Money

Proof of Stake (PoS)—Ethereum

What Is the Metaverse, Exactly? by Eric Ravenscraft—Wired

Chris Dixon and Naval Ravikant — The Wonders of Web3, How to Pick the Right Hill to Climb, Finding the Right Amount of Crypto Regulation, Friends with Benefits, and the Untapped Potential of NFTs (#542)—The Tim Ferris Show

Related Episodes

339: How To Make Money with BlockFi, Dai and the Evolving DeFi Ecosystem

NFTs—Money For the Rest of Us Topic Index

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What Investment Strategies Do Best During High Inflation Periods? Dec 01, 2021

Show notes

How different asset classes and investment strategies have performed during periods of unexpectedly high inflation. While trend and momentum strategies have performed the best, what are some of the challenges with implementing those strategies.

Topics covered include:

What has led to today's high inflation environment and why it is unique
How current demographic and technology trends are disinflationary
How many inflationary regimes have there been in the past
How stocks, residential housing, commodities, collectibles performed during high inflation environments.
How trend following and momentum have been the best performing strategy during high inflation environments.
Which trend following and momentum approaches have worked best for individual investors.
How managed futures strategies work

Thanks to OurCrowd and Egnyte for sponsoring the episode. Here is more information on Money For the Rest of Us Plus.

For more information on this episode click here.

Show Notes

US Budget Deficit Hits $2.77 Trillion in 2021, 2nd Highest by Associated Press—U.S. News & World Report

India says nationwide birthrates drop below key ‘replacement rate’ by Gerry Shih—The Washington Post

The Best Strategies for Inflationary Times by Henry Neville Et al.

Trend Following: Equity and Bond Crisis Alpha by Carl Hamill, Sandy Rattray, and Otto Van Hemert

AQR hedge fund suffers $10bn in outflows by Laurence Fletcher—Financial Times

Is There a Replication Crisis in Finance? Theis Ingerslev Jensen, Bryan T. Kelly, and Lasse Heje Pedersen

Related Episodes

266: Using Momentum Investing and Trend Following

342: Is Another Great Inflation Coming?