Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1286: T.G.I.F.B.I.A.Q. Nov 03, 2023

Show notes

It's Friday, and Don takes your questions:
What's with the weird ticker symbols for retirement plan funds?
Does it make sense only to fund a mega-backdoor Roth IRA?
Is it smart to loan a child money for a home?
Should money from a 401k be used to pay off a mortgage?
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Ep. 1285: Small Investors Win? Nov 02, 2023

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Have small investors finally gotten smarter than the market? Using misleading data from Robin Hood, The Wall Street Journal tries to make traders appear prescient. Then, we answer these questions:
Which Vanguard bond fund do we prefer for an IRA?
What is a Social Security benefit reduction, and why should you wait to collect?
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Ep. 1284: High Costs of "Free" Nov 01, 2023

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Every year we are inundated with ads for Medicare Advantage plans. So, are there any real advantages and what are the downsides? One caller criticizes Medicare Advantage programs
Others ask:
About contributing to a company 401k plan at age 60 with few retirement assets?
What can be done with a bad company retirement plan consultants?
Does it make sense to invest in target date ETFs in retirement?
What some good investments for grandchildren?
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Ep. 1283: Spike Setbacks Oct 31, 2023

Show notes

Don goes it alone for a couple of episodes.
It appear that mist of the financial setbacks over the past fifty years have followed periods of rapidly rising rates. What can you do to protect against risng (and falling) interest rates? What is the historical norm for rates? Plus, Don talks about the first-of-its-kind target date ETF.
Callers ask:
What should be done with his stock portfolio in the current market?
Why is my retirement plan at work showing a large loss?
Should a portfolio of active funds be moved to index funds?
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Ep. 1282: Fysics: Diversification Oct 30, 2023

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In this episode, we open Don's "good" book, Financial Fysics to the section on the power of a well-diversified investment portfolio. We take some questions, too:
What should be done with two maturing annuities?
How should a $5 million portfolio be invested to reduce taxes?
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Ep. 1281: 403 and Annuity Q-Day Oct 27, 2023

Show notes

On today's Q&A show:
Why is an attractive-sounding annuity a bad idea?
Are there times when a 403b shouldn't be rolled into an IRA?
How can someone complain about insurance products in a 403b?
When can a contribution be made to a mid-year HSA?
What's the best way to invest in various types of accounts?
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Ep. 1280: Hard to Retire Here Oct 26, 2023

Show notes

Far too many Americans fall through the cracks in the U.S. retirement system. In an age of few pensions, many don't invest for retirement and can't survive on just Social Security. How do we get more workers to save more and invest better?
Listeners ask:
For a primer on brokered CDs. Are callable CDs worth considering?
Which is better: a money market or certificate of deposit?
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Ep. 1279: Whither Interest Rates? Oct 25, 2023

Show notes

We discuss the current state of the bond market and the possibilities for the future. Is there any way investors can outguess the bond market (or any other securities market)? Plus, we talk about Tom's new iPhone 15.
Listeners would like to know:
What is the difference between a money market account and a money market mutual fund?
Was it wise to purchase 20-year bonds for long-term income?
Where should money be placed to make money without risk?
Do we think Fundrise is a good place to invest?
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Ep. 1278: 60/40 Dead Again? Oct 24, 2023

Show notes

Six month's later, the Wall Street Journal contradicts itself in the debate about the efficacy of a 60% stock/40% bond portfolio. Understand how a short period can influence our long-term perception. Plus, what are your alternatives to traditional stock/bond investing?
Our listeners ask:
Why would you use a regular IRA when you expect to be in a lower future tax bracket?
What do we think of the TSP "G" Fund vs BND?
How should a late retirement saver invest?
Should a retirement account with an insurance company be moved elsewhere?
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Ep. 1277: Is Betting Better? Oct 23, 2023

Show notes

Could betting markets predict the future? The evidence shows that the "wisdom of crowds" has been pretty accurate. In finance, they call it "the efficient market." Essentially, this means that, in aggregate, a large crowd (like the global stock market) is likely to be a more accurate future prognosticator than you or even professional managers. Then listeners ask:
What are the best investments for young grandchildren?
Should dividends be reinvested or paid out?
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