Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1416: They Need Complexity May 15, 2024

Show notes

Beware of complex investments or those promising to provide higher returns using some financial sleight-of-hand. Higher returns always require some sort of tradeoff. There are no special systems to game the markets, long-term. Then, we hear from listeners:
He stayed in bonds and lost money, should he stick with them now?
How can current assets be grown to enough to support retirement needs?
Does it make sense to buy a second home on the beach?
How should a very conservative retiree invest retirement funds?
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Ep. 1415: Social Security Sick? May 14, 2024

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Millions of people rely on Social Security for a large portion of their income, yet the system is running low on money and won't be able to meet future obligations without major changes. So, which is better, reducing benefits or raising taxes? Plus, we take listeners questions:
What's the best way to reduce taxes on retirement plan distributions?
What can be done to reduce hodgepodgery in a portfolio?
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Ep. 1414: Accentuate the Positive May 13, 2024

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In the episode, instead of discussing all of the bad financial decisions we make, let's take time to acknowledge all of the good things we do with money. Plus, we take questions on:
The possible negative impact that passive investing might have on the stock markets.
The potential tax ramifications of a portfolio.
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Ep. 1413: Cue the Qs May 10, 2024

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The questions have started pouring in again. Thanks! Today...
Using High-yielding CLOs Instead of Bonds.
Adjusting Portfolio for Growth
Maryland 529 Plan vs. Other Options
Maximizing Growth for Grandchildren
Understanding Rebalancing in a 401k
Implementing a Three-Bucket Account Strategy
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Ep. 1412: Will They Do What's Best? May 09, 2024

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The U.S. Labor Department is going to try again to hold some of those who provide advice on retirement assets to actually act in their clients' best interests. Will this new rule actually go into effect this time and who might it protect. Then we take your questions:
What to we think of Keith Fitz-Gibbons investing advice?
What's the best way to cover three years of expenses before collection Social Security?
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Ep. 1411: Your Wealth Grew? May 08, 2024

Show notes

After years of diligently saving and investing a your retirement plans, what should you be doing when your accounts have grown to sizable amounts? Plus, we share the reasons for a small cap and value portfolio tilt. Plus, we hear from several listeners who ask:
Why don't we talk more about 529 ABLE plans?
What do we think of a portfolio with 20-year Treasury bonds?
After maxxing out retirement accounts, where should other money be invested?
Why can't more people save and invest?
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Ep. 1410: Magic Money Machine May 07, 2024

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Is it a mutual fund? Is it an annuity? Can one investment met everyone's retirement needs? That's seems to be the claim of the complex BlackRock LifePath Paycheck funds. Plus, we talk about Warren Buffett's take on corporate taxes and how individuals could all end up paying no income taxes. We also discuss the workings of the "backdoor" Roth IRA. Then, listeners want to know:
Nearing retirement is a fiduciary adviser needed and what should one cost?
The name of the book Tom mentioned about Crazy Eddie?
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Ep. 1409: Gold is Not Investing May 06, 2024

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Gold has gotten hot again, but just because you can get a bar at Costco is it a decent investment? We look hack at the history and returns of gold over decades and longer. Plus, we take some listener questions:
Where can information be found on a school districts's 403b plan?
In what account order should money be withdrawn for a college education?
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Ep. 1408: Queries and Responses May 03, 2024

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On this week's Friday Q&A:
Does more money in emerging markets make sense?
What should be done with an 401k now that Vanguard has sold their servicing?
Are these two funds diversified enough?
Is there any way to calculate future call option premiums?
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Ep. 1407: Big Investing Factors May 02, 2024

Show notes

There aren't many ways to improve your odds while investing in stocks. So, why have investors like Warren Buffet been so successful and why do we belive in factor investing? Plus listeners want to know:
Why do we suggest more expensive products from firms like Avantis and Dimensional?
What are the differences between a 403b and a Roth IRA?
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