Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1406: Strange Money Perspectives May 01, 2024

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Don't be fooled by "money illusions." We are often confused about money math, particularly when it comes to the impacts of inflation. Our financial psycology can lead us to make bad decisions. The callers have questions about:
Financial Planning for a Special Needs Family Member
Estate Planning Strategies for Passing Wealth to Grandchildren
Balancing Risk Tolerance with Retirement Savings
Directing Inheritance to Grandchildren
Understanding Indexed Annuities
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Ep. 1405: Are Bonds Bad? Apr 30, 2024

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After bonds suffered a really bad year in 2022, many investors still hate them. Do all bonds deserve the recent bad reputations? Time for a fixed income reality check. We also discuss the bad advice given by most radio advisors. We also hear from listeners:
Why do we dislike anuuities as investments?
What do we think of the new DOL rule requiring all retirement rollover advice be held to the fiduciary standard?
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Ep. 1404: More Fiduciary Help? Apr 29, 2024

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Once again, the United States Depratment of Labor is trying to protect retirement investors against the lies told, and the high fees charged, by many providers of advoce for retirement pland rollovers and transfers. Will they succeed against Wall Street and Big Insurance? Plus, we take your questions:
What's the best way to pay for a new roof?
Why are my ETFs paying out taxable dividends?
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Ep. 1403: Question (and Answer) Day Apr 26, 2024

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This Friday's Qs:
How should an aggressive investor invest money that is not needed in retirement?
Does a QLAC make sense as a toold to control long-term care expenses?
Are there any tax ramications from moving from an expensive funds to ETFs in a qualified retirement account?
Does his portfolio idea make sense for a lazy retirement investor?
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Ep. 1402: Why Take Risk? Apr 25, 2024

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What is the best investment strategy in a time of higher "safe" interest rates? For many, the tendency is to play it safer, but how might that work out in the long run? Plus, we answer questions:
How much is Edward Jones charging for their investment services?
How can an investor harvest tax losses?
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Ep. 1401: Expensive Retirement Plans Apr 24, 2024

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Far too many businesses offer their employees expensive retirement plans. You must know how much you're paying. Plus, many states are now allowing employees to set up automatic payroll deductions into their own IRAs.
We hear from callers:
What will interest rates do in the near future?
What can be done with IRA distributions to reduce taxation?
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Ep. 1400: Retirement Quiz Apr 23, 2024

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This seemingly simple retirement quiz stumped most who took it. How will you fare? Take the quiz with us. Plus, what can you do if you have a low interest rate bank savings account?
Listeners want to know:
How long will mom's retirement assets last?
Is there any way to get money back from a federal long-term care policy?
How can money in a retirement plan be accessed before 59-1/2 without penalties?
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Ep. 1399: Returns Matter More Apr 22, 2024

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Our friend, Mark Hebner from Index Fund Advisors, joins Tom and Don to talk about the most important number to investors, total return. The rise and fall of prices shouldn't be of much concern to investors, it's how much you make on your investments.
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Ep. 1398: TGIQAF Apr 19, 2024

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In this week's Friday Q&A edition:
How safe are investment in brokerage accounts?
Why shouldn't someone tranfer an IRA to Robin Hood to collect a 3% bonus?
What do we think of Fisher Investments "bucket" strategy?
How should money be invested for the beneficiary of a special needs trust?
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Ep. 1397: Small Index, Big Stocks Apr 18, 2024

Show notes

One of the problems with index funds is the fact that they slavishly follow the index. This means that for long periods they can own stocks that are way outside the indexes parameters. This is one argument for rules-basd funds. Then, listeners ask:
Are we concerned about the decline in the number of publically-traded stocks?
Is it okay to be 100% in stocks close to retirement?
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