Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1296: Pre-Turkey Q&A Nov 17, 2023

Show notes

In this episode, Don addresses the following:
Why should a portfolio be rebalanced regularly?
Is a state teacher's pension pre-tax money or can it be rolled over tax-free?
What is the difference between the pre-tax, Roth, and after-tax 403b options?
Finally, a listener appreciates the Medicare episode.
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Ep. 1295: Are Advisors Obsolete? Nov 16, 2023

Show notes

As AI grows exponetially more knowledgable, are investors ready to move from human to many investing advice? Are there skills that people have that artificial intelligence can't mimic? Plus, listeners ask:
What is the best order to draw from various types of retirement accounts?
Which is the better Avantis total market ETF: AVGE or AVGV?
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Ep. 1294: Most Don't Know Nov 15, 2023

Show notes

When Tom finally sits down with the finance guy to buy his car, he is pitched a bunch of extra warranties and given some terrible investing advice. So, today, we discuss all of the mistaken beliefs people have about investing.
Then, we hear from listeners asking:
Is it better to buy houses or invest in stocks and bonds?
What is the required minimum distribution formula for retirement accounts?
Finally, we get a call from someone who has done well in real estate.
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Ep. 1293: World of Opportunities Nov 14, 2023

Show notes

With U.S. stock prices running hot versus the rest of the world, could your portfolio benefit from more international stocks? Tom and Don share some numbers and historical data. We ask, is Robin Hood's 1% IRA contribution worth it? Don reads a bad review. Then, because of technical difficulties, we hear from just one listener:
How should a young person's retirement be invested in Vanguard funds?
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Ep. 1292: Hedge Fund Fail Nov 13, 2023

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We share yet another example of the premise that luck is behind the success of most professional money managers. A new book portrays Ray Dalio, the founder of the giant hedge fund Bridgewater Associates, as just another average investment guesser who may have gotten lucky in the past. Then, listeners ask:
Should I sell old I-Bonds and pay the penalty to invest in newer bonds with a fixed rate plus inflation adjustments?
How should I allocate my employer retirement investments between various Vanguard funds?
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Ep. 1291: Four Q Day Nov 10, 2023

Show notes

This Friday, Don answers questions about:
How many beneficiaries of a 529 plan can transfer $35,000 into a Roth IRA?
Does a micro-cap fund have a place in a portfolio?
Should a retirement lump sum be investing in rolling maturity fixed annuities?
Is there any reason to NOT fund a 457 plan?
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Ep. 1290: A Mere Million? Nov 09, 2023

Show notes

The average American family’s net worth has risen to 1 million dollars, yet few of us have the money for a $500 million yacht. However, there are 16 million mini-millionaires in the United States. How do you join the millionaire (or upper-middle) class? LIsteners ask:
Does it make sense to tax-loss sell a total bond ETF to a tax-free bond ETF?
Should you sell funds when they have gone up 20%?
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Ep. 1289: Working in Retirement Nov 08, 2023

Show notes

Retiring later seems like a viable option for those who failed to save enough to afford retirement. What is the reality of working past 65? What are the new 2024 retirement plan contribution limits?
We take listeners' questions:
Should liquid money be invested in a 13-month CD?
Can a portion of a parent's HSA be used for an adult child?
Can a storage unit buyer transfer old savings bonds to his name?
Should a small pension be withdrawn as a $30,000 lump sum?
What should a 62-year-old do to catch up on retirement?
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Ep. 1288: Fiduciary Future? Nov 07, 2023

Show notes

After failing several times, the Department of Labor will try again to make all retirement plan advisors act as true fiduciaries. The insurance industry will be suing to keep you paying them high fees and commissions. If you want excitement, find it anywhere but in investing. What are the lessons of the convicted fraud perpetrated by Sam Bankman-Freid and FTX?
Our listeners want to know:
Should an investor move from one small-cap value fund to another?
What's the best way to invest money for grandkids' long-term future?
What should be done with a capital gain from real estate to avoid taxes?
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Ep. 1287: Rent and Invest? Nov 06, 2023

Show notes

Buying a home may not be as smart as renting. Rising interest rates have pushed the cost of home ownership far above the price of renting a similar home. Yet, home prices have not fallen enough to offset the differences. Plus, what does "kit and caboodle" mean?
Listeners ask:
In order to create a simpler portfolio, does it make sense to wait until prices of existing securities recovers?
In a somewhat hodgepodge portfolio, should an ETF be sold to buy CDs?
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