Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1316: Wait… Stocks Have Risen? Dec 19, 2023

Show notes

Don finally peeked at his brokerage statement and was pleasantly surprised. His portfolio finally made money. Did yours? We talk about the investment markets' ups (and downs) and finding the right balance between safety and potential return. We also share the states with the best and worst home equity appreciation. How can you tap that hidden wealth? Then, we hear from callers asking:
What should be done with an old variable annuity in a 403b?
How should an end-of-year backdoor Roth be done?
Can someone from out-of-state attend Retiremeet?
What do we think of some advice from a Voya rep?
Is renting really better than buying a home?
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Ep. 1315: Start Investing Sooner Dec 18, 2023

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In this episode, we talk about some of the steps you should take well before retirement to get your financial house in order. We discuss money-saving tips and investing ideas to help those in their younger years improve their odds of retiring comfortably. Plus, we answer your questions:
How can I force myself to rebalance my portfolio when my emotions get in the way?
Which is better: a bond fund or a CD ladder?
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Ep. 1314: Pre-Christmas Question Day Dec 15, 2023

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The questions may not be festive, but they're important, and Don answers them:
How should assets be allocated across different types of accounts?
What happens to the money in a 529 plan if the custodian needs to withdraw some?
How should a young adult invest money from an inherited IRA?
Can brokers' cash management accounts replace traditional bank accounts?
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Ep. 1313: When Managers Go Away Dec 14, 2023

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Another problem with actively managed mutual funds is the mortality of managers. What happens if you rely on the incredibly rare, super-smart, practically prescient money manager, and they go away? Plus, we hear from listeners:
What do we think of Vanguard's variable insurance funds?
Does a 100% equity portfolio make sense for someone comfortable with risk?
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Ep. 1312: Real Investing is Hard Dec 13, 2023

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A new academic study concludes that you might be better off avoiding bonds. Tom and Don discuss whether a strategy that potentially risky makes sense for you. We discuss the sorry state of most investing advice, including that from financial psychics. Then, we hear from listeners:
Is gold a good investment?
What do we think of the "investment" advice provided at a free Italian dinner?
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Ep. 1311: Stop Hurting Yourself Dec 12, 2023

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We keep making damaging financial mistakes. Are you ready to manage your money better and actually invest? We hear from listeners:
Can iBonds be transferred to others?
What's the best way to set up a 529 ABLE plan
Is tax loss selling a bit like market timing?
What's the best way to sell appreciated stocks to reduce taxes?
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Ep. 1310: Bitcoin and Gold Heat Up Dec 11, 2023

Show notes

The price of both Bitcoin and gold have soared recently. Has anything changed that might make them attractive investments? Plus, there is more evidence that those who chase returns using mutual funds fail to beat those who buy and hold. We also help listeners:
Better understand a Nuveen muni bond fund they own.
Create a tax minimization plan for retirement.
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Ep. 1309: Cool Days Q&A Dec 08, 2023

Show notes

After Don grumbles about the length of the holiday season, he goes on to answer listeners questions:
Does it make sense to use a 529 Plan to make future Roth IRAs for grandkids?
Is the 4.7% interest from Vanguard new Cash Plus account better than a high yield savings account?
Does an allocation entirely too small cap stocks make sense?
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Ep. 1308: Avoiding Bad Advice Dec 07, 2023

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Investing "professionals" run the gamut from highly skilled and honest to truly dangerous. How can you avoid the mediocre to crooked financial advice providers out there? Tom and Don have some simple ways to protect your wealth from the unscrupulous. Plus, listeners ask:
What is the name of the bank paying over 4%?
How should money be allocated between taxable and tax-advantaged "baskets?"
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Ep. 1307: Unexpected Taxable Events Dec 06, 2023

Show notes

The end of the year often brings mutual fund investors an unpleasant surprise that can raise taxes; the realized capital gains distribution. How can you avoid this tax surprise? Are traditional mutual funds headed for extinction? Dimensional Funds rolls out a total market ETF to compete with Avantis. Then, listeners ask:
How can the Washington state estate tax be avoided?
Do they have enough to live a confortable and enjoyable retirement?
How do you find a financial advisor you can trust?
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