Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1156: Volatility: What to Do? Apr 25, 2023

Show notes

Tom and Don explore another goofy investing advice article (as if something has actually changed).
Our listeners ask us:
How should assets be consolidated for upcoming retirement?
What should be done to create a backdoor IRA with an excess contribution?
Which Vanguard fund should replace an American Funds tax-free fund?
How safe is Schwab as an investment advisory firm's custodian?
What should be done with an old employer's 401k?
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Ep. 1155: Buy or Rent the Dream? Apr 24, 2023

Show notes

Does owning a home make financial sense anymore? Could it be wiser to rent and invest instead?
Plus, Tom takes calls about:
The effect of joint tenancy on estate taxes.
The tax advantage of ETFs over mutual funds.
Should a cash account be moved into qualified dividend stocks?
Does it make sense to invest in a high-yielding real estate trust?
Are there any decent money newsletters?
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Ep. 1154: Money and Marriage Questions Apr 21, 2023

Show notes

An extra large helping of listener questions today:
A young investor seeks our portfolio blessing.
Does a Merriman-suggested ETF make sense to own?
Should he keep shoveling money into savings?
Do RMDs impact Social Security taxation?
In which types of accounts should various assets be located?
Is this a strategy to avoid backdoor IRA taxes?
Don is called on to settle a couple's dispute about annuities.
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Ep. 1153: Gold Bugs...Us Apr 20, 2023

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Despite its recent run-up, gold remains a terrible investment. In fact, by our definition, it isn't even an investment as it cannot become more valuable on its own.
Then we hear from some of you, wondering:
Why do we suggest AVUV when it's an "active" ETF?
If an individual fixed-income investor can beat a bond fund or ETF?
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Ep. 1152: Cash Beats Stocks? Apr 19, 2023

Show notes

How soon we forget. After years of low to non-existent interest rates on fixed-income securities, suddenly, everyone wants to invest in bonds or CDs. Did the equity markets take that big a beating, and will they return less moving forward?
Then we hear from listeners:
Does it make sense to move money from a Vanguard S&P 500 fine to the identical ETF?
Should a bond fund be added to a diversified equity portfolio at work?
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Ep. 1151: Avoid Two Hat Advisors Apr 18, 2023

Show notes

Can someone who provides investment advice be just a little bit fiduciary? What is wrong with investment advisors also being commissioned brokers? How can you find a 100% fiduciary advisor?
Listeners ask:
In which types of accounts should various investments be held?
Which is better: Fidelity or Vanguard?
Should we be buying bank stocks right now?
Can securities be sold by a new broker?
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Ep. 1150: Can't Beat 'Em Apr 17, 2023

Show notes

Don shares a new study that, again, illustrates the futility of trying to beat the market. The future remains unknowable. Plus, he discusses the darkest side of cryptocurrencies; power hungry miners.
Callers join in to:
Praise the show.
Is there way to reduce taxes on an investment property sale?
What should be done with an extra $20K?
What are the tax advantages of putting your life in an LLC?
What should be done with some Ferrari stock?
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Ep. 1149: Another Day of Questions, Answered Apr 14, 2023

Show notes

Another day, another five questions answered. Today's topics:
How do I know who is a true fiduciary?
What's our opinion of "Infinity Investing?"
Where can I look up financial advisors?
What should be done with an inheritance?
Why do we like the flexible withdrawal strategy for retirement income?
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Ep. 1148: Q&A on Thursday? Apr 13, 2023

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We have gotten a bit behind on answering phoned-in questions, so today, Don answers the following:
How do you get out of a bunch of individual stocks?
What should be done with too much of a single stock in a retirement portfolio?
What is a good place to "safely" invest for retirement?
How will smaller bank spreads affect the market?
How can someone eventually retire with no assets except an almost paid-off home?
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Ep. 1147: Tax Free Retirement Income Apr 12, 2023

Show notes

Hard to believe, but the US government allows investors to generate tax-free income from a well-diversified portfolio – without using municipal bonds. Plus, a listener wonders if the extra fees for the Avantis Small-Cap Value ETF (AVUV) are worth paying.
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