Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1126: Sophisticated Alternatives? Mar 14, 2023

Show notes

Are stocks and bonds not good enough for you? Why not take on some of those sophisticated investments used by college endowments? We'll tell you why not. Plus, another reason to avoid individual stocks; lying. Then, onto your questions:
How much bond diversification is needed?
Why are company retirement plan participants allowed larger contributions than are allowed for IRAs?
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Ep. 1125: Bank Run 2023 Mar 13, 2023

Show notes

Tom and Don discuss the collapse of Silicon Valley Bank and what it means for you and your portfolio. We also talk about the "run" on Social Security as retirees take early withdrawals in a panic.
We then take your questions:
What is the best way to save for retirement outside of a 401k?
How do you add the effect of inflation on your retirement income withdrawals?
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Ep. 1124: Q&A: Another Way to Roth Kids Mar 10, 2023

Show notes

Today's questions and comments include the following:
Another way to fund a child's Roth IRA.
Can regular in-service transfers be made from a bad SEP-IRA into a traditional IRA?
Does using a margin loan to buy commercial real estate makes sense?
Does this simple three-fund portfolio look okay?
Can you contribute more than you earn to IRAs and 401ks?
How much diversification is needed in a bond portfolio?
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Ep. 1123: Disciplined Market Timing Mar 09, 2023

Show notes

Another academic study looks at a popular, structured market timing system based on the relative valuation of stocks. Has it worked?
How does Vanguard Small Cap Value ETF complare with the Vanguard Russell 2000 ETF?
Why are the spreads between the bid and ask prices for the ETF, AVUV?
Finally, Tom and Don discuss new streaming documentaries (for some reason).
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Ep. 1122: Cash Comeback? Mar 08, 2023

Show notes

Every so often, a group of investing "experts" suggest that investing in cash is better than owning stocks. Last year, with rates near zero, that was terrible advice, but what about now?
The listeners ask:
How do you calculate the minimum distributions for an inherited IRA?
Does using an expensive small-cap value fund in a company plan make sense?
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Ep. 1121: Long Jim or Short Jim Mar 07, 2023

Show notes

You can now legally bet on the stock picks of "Mad Money" host Jim Cramer. Yes, now there are even ETFs for that. Tom and Don discuss these new products and what part they should play in your financial life. Beware of the ETF with the symbol VBAL. Finally, we discuss what most people think about financial advisors and what they should be expecting.
We hear from callers:
What do we think of sector funds?
What are the pros and cons of Medicare Advantage plans?
Can capital gains taxes be avoided by switching from one balanced fund to another?
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Ep. 1120: Real Estate Reality Mar 06, 2023

Show notes

Many consider the key to wealth to be highly leveraged real estate. Using borrowed money to buy properties magnifies your return. What could go wrong? Well, leverage cuts two ways. WHEN prices fall, your losses also multiply. Plus, portfolios focused on one asset class have proven dangerous. Tom almost fell out of his chair over 5% CD rates. Don Trump's that with even higher rates. Then, we compare rates at major banks.
A listener asks, should I be invested in stocks after retirement?
As asides, we consider the shaky future of AM radio and compare Comcast to those old party lines.
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Ep. 1119: Q and A Day: Specific Direction Mar 03, 2023

Show notes

In today's question and answer episode, Don answers these questions:
Does a non-deductible IRA make sense?
How is the cost basis of restricted stock units determined?
Does it make sense to have an expensive small-cal value fund?
Can his regular IRA be converted to a Roth?
does it make sense to convert regular Vanguard funds to ETFs?
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Ep. 1118: Crypto Is Not Investing Mar 02, 2023

Show notes

WARNING: Some Millennials will be offended by the logical conclusions reached in this episode.
With so many technological innovations, we occasionally think that very new technology must make sense. One example of this tendency to confuse true innovation with simply dumb ideas. Do we really need a newer way to gamble.
How do you start spending after decdaes of saving?
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Ep. 1117: Retiremeet Part Two Mar 01, 2023

Show notes

Don continues from Retiremeet 2023 talking with tax planning expert, Diana Bacon about the importance of long-term tax planning. Then, Tom finally drops by for a few minutes to explain how you can watch. Apella Wealth's Director of Financial Planning, Jason Gentile discusses the value of a detailed financial plan.
A caller asks why would a planner using a short-term bond ETF?
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