Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1176: Gold and Real Estate Better? May 23, 2023

Show notes

Why does the myth that real estate and gold are better investments than equities still persist? We show you the real numbers. Where can you get the best CD rates? Plus, we are innundated with your questions:
What should be done with the profits from a home sale?
What do the regular stock market reports mean?
With ETFs and funds are there crappy ones and good ones?
What would our firm do with a client who needed an insurance product?
What do we think of a particular bank and cash investing, in general?
Is Tesla stock a smart investment?
Does a target date fund make sense for simplfying portfolio?
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Ep. 1175: Dow or Total Market? May 22, 2023

Show notes

Heck, they're not even industrials anymore. The Dow is an obsolete measure of the stock markets movement. It should have been replaced by the total market index decades ago. What is "the Dow" and what's wrong with it. Plus, investing should alwayd be based on common sense.
Listeners ask:
After discovering how much was being paid for funds through a broker, is there any reason to keep the expensive funds?
How can a participant figure out how much is being paid for the plan?
Does cash-value whole life ever make sense compared to other investments?
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Ep. 1174: Give Me Your Questions... May 19, 2023

Show notes

Another day of Q&A featuring calls about:
The wisdom of paying off a mortgage early?
Our opinion of Paul Merriman's flexible withdrawal strategy?
Would AVGE be better than VT?
Taking Social Security early to save funds for a child's inheritance?
Firing advisor and moving into active funds as opposed to other balanced funds?
Taking a pension now or waiting?
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Ep. 1173: Windfall Planning May 18, 2023

Show notes

With baby boomers nearing the end of their time on earth, a huge wealth transfer is in the offing. What would you do with a big inheritance of guess? Plus, are CFPs always acting as fiduciaries? Then, it's question time:
How do we avoid bad companies in our client's portfolios?
Does it make sense to move from a target-date fund to a total market index?
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Ep. 1172: Less Active Management May 17, 2023

Show notes

Tom and Don are joined by a rare guest, Phil McInnis, Chief Investment Strategist at Avantis Funds. This episode covers the difference between truly active fund management and rules-based stock selection, how ETFs differ from mutual funds, and much more.
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Ep. 1171: Fee Clarity is Critical May 16, 2023

Show notes

A major new study found that investors care more about fee transparency than the return from their investments. It turns out that investors want the truth from their financial advisors. Yet, the financial industry continues to lie and obfuscate. Then, after Tom suffers a technical breakdown, Don takes calls:
Is there a way to set up a 401k transfer before leaving a firm?
How can misplaced IRA funds be recovered?
Where are all the jobs?
Thanks for a great show.
Would the total market or a small-cap value fund be a better investment?
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Ep. 1170: Monkey Money Managers? May 15, 2023

Show notes

Yet another study shows that dart-throwing monkeys (a metaphor for randomness) picked better investments than did professional human stock pickers. Plus, humans cost more. Another study shows that only a few stocks account for the bulk of the market's returns.
Then, we hear from a few of you:
How much do dual-registered advisors actually charge?
Does it make sense to pay off a very low-interest mortgage?
How much should be invested in an international ETF?
Why do so few investors use indexed bond funds?
Is Empower really acting as a fiduciary all the time?
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Ep. 1169: Big Day for Q&A May 12, 2023

Show notes

This is a particularly good Friday question and answer session:
When should a portfolio be rebalanced?
What is the difference between VT and VTWAX?
Her CFP uses Pershing. Are they okay?
Where should a small child's UTMA be invested?
Where should emergcy money be invested for safety?
How to we feel about Rick Ferri saying that small cap value investing has failed?
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Ep. 1168: Nobody's That Smart May 11, 2023

Show notes

Another experts predicts the financial futute with absolute certainty, despite the FACT that the future can't be known. Plus, we agree with Bill Gross for the first time.
Then, we hear from listeners:
Is there a need for an internation fund other than the I Fund in the Thrift Savings Plan?
Can taxes be avoided by moving from the Vanguard S&P 500 mutual fund to their S&P 500 ETF?
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Ep. 1167: How Much Can You Spend? May 10, 2023

Show notes

Is it the 4% rule? Should you take less in bad times and more in good times? How do you know how much income can you take from your investments in retirement?
Listeners ask:
What kinds of investments should a young investor have in a retirement account?
Are personalized portfolios better than target dates funds?
Should an investor be concerned about California bonds in a muni fund?
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