Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1346: No Way To Know Feb 05, 2024

Show notes

Burton Malkiel and other academics continue to tell us that consistently "beating the market" is essentially impossible. Investors need to understand the impossible natire of accurate prognostication and focus on those things that are in our control. Tom and Don explain the simple path you can take to reasonable investing success. Don talks about the Talking Real Money summer road trip. Listeners ask:
Does a Fidelity 250-stock direct indexing plan make sense?
Is it better to max out a Roth IRA or Health Savings Account?
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Ep. 1345: Friday QCCA Feb 02, 2024

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This Friday:
A listener corrects one of Don's statement about Bitcoin ETFs.
Can buying a building for a business replace a REIT in a portfolio?
What's the best way to invest a court settlement for a minor?
A suggestion that an umbrella insurance policy could lower other P&C rates.
A discussion of the difference between dividend reinvestment in mutual funds and ETFs.
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Ep. 1344: We’re Retiring Better Feb 01, 2024

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Sure, building the wealth we want to retire well is hard work. However, let's look at the bright side. One hundred years ago, we'd probably be dead. Tom and Don talk about the current state of retirement in the U.S. and share some ideas for making it better. Listeners ask:
What's the correct asset allocation for a portfolio including an HSA?
How should I invest in retirement?
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Ep. 1343: So Long Silly ETFs Jan 31, 2024

Show notes

In very short order, the market sprouted thousands of exchange-traded funds (ETFs). While most were solid concepts with decades of research supporting them, a few were just silly. Thankfully, we are now seeing the demise of these crazy products. We also look at some of the worst ETFs from last year. With so many living with parents, what's the best way to help adult children become financially independent? Don goes back to some comments he has made about the need for homeowners insurance in a few cases. A listener asks how to used fixed-income securities in a portfolio?
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Ep. 1342: Certificate of Excitement? Jan 30, 2024

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High-yield CDs are nothing new. It's just been a long-time. While a 5% rate feels pretty good after years of low rates, how long will they last? What should you do when rates fall again? Are there better ways to invest, particularly for younger investors? Did God really tell a Colorado preacher to create and sell a worthless cryptocurrency to his flock?
We hear from a listener who believes that the Federal Reserve FedNow program is designed to control behavior.
Another wonders if Fidelity can send monthly payments from a 401k?
Does investing in a target-date fund make sense in an HSA account?
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Ep. 1341: Culling the Real Estate Herd? Jan 29, 2024

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The real estate sales business is about to face the same issues as other professions that have been squeezed by both technology and regulation. After a costly court ruling, and with increasingly powerful technology, the decline in real estate commissions is expected to accelerate (as have brokerage commissions over the years). Then, we hear from listeners like you:
Is it too late to invest in a 529 for older kids?
Is there a better option that the age-based plan in the Utah 529 plan?
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Ep. 1340: Global Questions Jan 26, 2024

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In today's episode callers ask Don
Which is worse: and annuity of a leaf blower?
What can be done for a friend who is on the brink of bankruptcy?
Which CD is best and what is a callable CD?
After a financial windfall is it too late to hire an advisor?
Can a retired pastor take tax-free housing withdrawals after moving from 403b to IRA?
Should a portfolio be diversified among accounts based on tax treatment?
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Ep. 1339: Seeking Diversification Jan 25, 2024

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How many securities should you own in a well-diversified portfolio? Is it ten or ten thousand? We explore some advice on proper portfolio diversification versus market-timing and stock picking. Then, listeners ask:
How should a Health Savings Account (HSA) be invested?
Does it make sense to add Boston Partners Large Cap Value Equity Fund to a portfolio?
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Ep. 1338: Stealthy Budget Killers Jan 24, 2024

Show notes

It's no wonder that businesses love the subscription model. It makes paying for products and services automatic and provides steady predictable cash flow. On the flip side, it also creates an almost impercetible drain of your budget. Learn how to reduce the subscription cash suck. We agree with Dave Ramsey's dislike of cash-value life insurance.
A listener shares a tool for cutting subscription costs and wonders why it would ever be okay to go without homeowners insurance? Others ask:
When is it better to pay off a mortgage than invest?
Why can't dividends be reinvested in an ETF?
How much liability insurance is needed?
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Ep. 1337: New Highs Mean Little Jan 23, 2024

Show notes

After a big week for stocks, we address the reality of the equity markets and why a "new high" is nothing to get excited about. While 5% rates feel better than zero, we are concerened that too much money languishes in banks. Plus, more money is finally invested in passive funds than actively managed products and why it's about darned time.
Listeners ask:
Is Retiremeet worthwhile for those already retired?
How should money be invested in a deferred compensation plan?
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