Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1236: New No-Risk ETF Aug 24, 2023

Show notes

We all want to make lots of money with no risk. Well, you can't have both. That hasn't stopped many in the financial and insurance business from creating products designed to make it appear you can receive wealth without risk. Tom and Don share the latest confounding example of this phenomenon. Then we answer listeners questions:
How does the new law allowing $35,000 to be moved from a 529 to a Roth IRA work?
How do you adjust the retirement withdrawal rate between a traditional 401k vs. a Roth?
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Ep. 1235: Retirement Is In Your Hands Aug 23, 2023

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Most of us are not ready for a financially secure retirement. Americans are increasingly on their own when it comes to creating a life-long retirement income stream. What will it take to make us better retirement investors? One of the biggest problems are the high-fee (and commission) annuity products foisted on 403b plan participants by insurance companies. What should you do to become a better rtetirement investor? Plus, why is CBS News allowing blatants ads for gold investing and gold IRAs to be posted online under its name as news articles? Listeners want to know:
Is it better to consider the "30-day SEC yield" or "estimated distrubution" when considering bonds funds?
What is a reasonable fee to pay for a fiduciary investment advisor?
What's the best way to rebalance taxable and retirement accounts?
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Ep. 1234: Interest Rates: Up or Down? Aug 23, 2023

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First, "they" said rates could never fall to almost zero. Then,"they" said rates wouldn't go this high. Therefore, it's apparent that "they" don't have a clue. So, what should you do? Should you buy long-term bonds? Should you buy a house? Then listeners ask:
When does it makes sense to buy long-term care insurance versus self insuring?
From a tax-planning what should be done with a hodgepodge portfolio heading into retirement?
Finally, Don discovers that he's been earning one cent a month on small Bank of America savings account while paying $8 a month in fees.
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Ep. 1233: Loud, Obnoxious, and Amoral Aug 21, 2023

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His prices may have been insane, but "Crazy" Eddie Antar was a cold, calculating criminal who used his incredible fame to rip people off for over a decade, from the late 1970s and late 1980s. Tom talks about his many crimes from the book "Retail Gangster - The Insane Real-Life Story of Cray Eddie." He then shares lessons that need to be learned from this shocking story.
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Ep. 1232: Q Friday, A Aug 18, 2023

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On today's Friday Q&A episode:
Is there a way to move from one appreciated fund to another without a tax hit?
How many stocks are in AVGE?
What is the best way to give appreciated assets to charity and receive an income?
Is it better to take money out in retirement once a year or by averaging out over the year?
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Ep. 1231: Passive Leaders Aug 17, 2023

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We share which passive, unmanaged funds have made the most over the past decade? However, does past performance tell you anything aboit the future? Then, we answer questions from a couple of listeners:
Should new money be used to rebalance?
In it worth converting a mutual fund to an ETF within an IRA?
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Ep. 1230: Balance Beats Target Aug 16, 2023

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Does the fact that target-date funds (which hold international stocks) have underperformed their balanced competitors (with generally on US companies) tell you anything about their future?Plus, why is the financial media keep taking the easy path by suggesting big, blue-chip stocks? Oh, and Tom shares a joke from a Norwegian listener. Then, callers want to know:
Does it makes sense to start using new Roth option at work versus the old degerred plan?
Is 10 years enough time to invest in a well-diversified portfolio or does a target-date fund make more sense?
Does it makes sense to convert funds in a qualified plan to ETFs?
How can taxes be reduced on portfolio?
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Ep. 1229: Product Peddler Piqued Aug 15, 2023

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The show starts with a relatively tame discussion of the reccomendation to sell I-bonds and move the money into long-term Treasury bonds. Then, our first call sets off fireworks as attempts to claim that equity indexed annuities (EIAs) are wonderful, fee-free products that we unfairly slam. This is a conversation not to be missed. The raest of the show is filled with others callers:
How should a conservative retiree be allocating investments?
Looking advice on moving from a 401k to an IRA?
How to invest after maxing out qualified retirement plans?
What should be done with savings at US Bank if they are in trouble?
How can gold coins be sold?
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Ep. 1228: Don’s European Vacation Aug 14, 2023

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Talking Real Money Special Travelogue Edition
After taking his longest vacation in many years, Don share his thoughts about the trip, the ship, and his feelings about vacationing. To follow along with pictures, please visit the podcast on talkingrealmoney.com
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Ep. 1227: Post Vaca Q&A Aug 11, 2023

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Back from vacation, Don shares some programming changes then answers listeners questions:
Should a bunch of funds be moved into to new Avantis Value ETF, AVGV?
How should childrens' Roth IRAs be invested?
With Voya as 401k custodian, what should be expected?
Does it make sense to move to a more aggressive target-date fund?
With a 401k in Fidelity Freedom funds, should a Roth IRA be overweighted to small cap?
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