Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1196: Boomers Stick with Stocks Jun 22, 2023

Show notes

The "Baby Boom" generation continue to own a large percentage of their wealth in stocks. Are they taking too much risk or are they saavy investors?
Then, listeners ask Tom and Don:
Can couples get around the "wash sale rule" by trading in their seperate accounts?
Should a portfolio's missing asset class be purchased slowly or all at once?
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Ep. 1195: The Dream of Easy Money Jun 21, 2023

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Passive income is paradoxical. While it sounds like getting something for nothing, it either requires a lot of work or money (which generally requires wealth to accumulate). Why do so many people chase after this impossible dream?
Plus, you want to know:
How should a $250,000 nest egg be invested?
Should I ask my broker to help me invest in low-cost index funds and ETFs?
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Ep. 1194: Confident in Your Company? Jun 20, 2023

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It's a lesson we constantly fail to learn: Avoid investing in your company's stock. Employees who believed their firm could not fail have lost billions of dollars. We compare the rate you can get on a Bank of America CD in the bank itself versus through a brokerage firm. The difference is shocking. Plus, how to make a CD ladder.
Listeners stop by to ask:
What should be done with an investment account with Securian?
What do we think of FDIC-insured online banks?
What should be done with a bunch of money that has no stated purpose?
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Ep. 1193: Better Not Look Jun 19, 2023

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A bull market seems to encourage us to watch our investment portfolios more closely, which can lead to bad, emotionally-driven decisions. Why do we rush into the hot stocks? Plus, an example of studying an advisor's form ADV, Part 2.
Listeners want to know:
What kind of impact would moving investments have on average annual returns?
Is paying bills from a checking account or with a credit card better?
What do we think of Vanguard's new $ 25-a-month fee per mutual fund or brokerage account?
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Ep. 1192: QnAday Jun 16, 2023

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In this week's Q&A episode:
Is it true you can live off of capital gains tax-free?
How should young adults' Roth IRAs be invested?
What do we think of the cash product from MassMutual's "Flourish" program?
Does monthly rebalancing make sense?
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Ep. 1191: Senior Stress Source Jun 15, 2023

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As we approach retirement, several things cause concern, but what do retirees worry about most? Discover how to reduce concerns about running out of money before running out of life. Then, we hear from listeners:
Sharing a trick to own the market without using ETFs or funds.
Is Morningstar a good source to research funds recommended by my LPL advisor?
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Ep. 1190: Bond Investing Torture? Jun 14, 2023

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Do you need a robo advisor to help you create a fixed-income portfolio? Can they make you more money while also charging you more? We compare a robo advisor bond buying service to cheap bond ETFs. Plus, we take listeners' questions:
Will returns rise if you never rebalance your portfolio?
A salesperson suggests moving an old 403b to his Roth IRA. Should I ask if he's a fiduciary?
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Ep. 1189: Money Media Mess Jun 13, 2023

Show notes

Dave Ramsey received $30 million to promote a deceptive timeshare seller and now faces a huge lawsuit. Much of the financial advice in the media is bought and paid for, leaving you to wonder whose advice to trust.
Then a listener:
Shares his Tesla excitement, and we explain our concerns about owning Tesla or any other individual stock.
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Ep. 1188: Bovine Victory Jun 12, 2023

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Look at that. Despite all of the "economic uncertainty," the longest bear market since 1948 has officially ended. How many stocks were responsible for the return of the bull? What does that mean for your portfolio and future? We also talk about small side hustles and the changes and troubles at Vanguard.
Then listeners ask:
How can an investor in a Fidelity retirement plan invest in international small-cap value stocks?
What can be done with an old annuity that is slow to pay out assets to the owner?
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Ep. 1187: Questions, Comments, Answers Jun 09, 2023

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Don fields your comments and questions:
Praise for Vanguard's customer service.
Taking us to task over life insurance advice.
How to invest when Roth ineligible?
What would happen if Apple failed?
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