The Rob Berger Show

Latest Episodes:

RBS 182: The Case Against After-Tax Asset Allocation (FQF) Jan 04, 2025

Show notes

Welcome to this week's edition of Five Question Friday. Here are the questions we'll be covering today:
1. Should you include the value of your home in your asset allocation?
2. Should we tilt our portfolio to 10% SCV?
3. After-Tax Asset allocation
4. Tips Ladders vs ETFs: If for example we had 500k for our fixed assets portion of our portfolio, what are your thoughts on building multiple TIPs ladders with all 500k to meet our retirement goals vs. a more diversified mixof t-bills, CDs, Agency, Corporate, and TIPs? I am leaning toward the more "diversified mix."
5. Roth conversions and Rate of Return Assumptions
Resources:
Boldin: https://go.robberger.com/new-retireme...
Bolgeheads' Wiki: https://www.bogleheads.org/wiki/Tax-a...
Reichenstein Article: https://www.financialplanningassociat...
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RBS 181: Is The New Safe Withdrawal Rate 3.7%? Jan 01, 2025

Show notes

Morningstar recently released its annual State of Retirement Income report. According to its calculations, the new safe withdrawal rate is 3.7%. The report offers some excellent data and analysis that can help us as we build our retirement income strategy.
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RBS 180: 9 Questions I Get Asked Almost Every Day About Investing Dec 23, 2024

Show notes

Over the past four years I've received tens of thousands of questions about investing from viewers. I've assembled 9 of the most frequently asked questions in this video. Here they are:
1. Should you pay off debt or start investing?
2. How do I get started investing?
3. Is 100% stocks a reasonable portfolio?
4. S&P 500 vs Total Stock Market Index
5. Why do I need international stocks?
6. Should I invest in Bitcoin?
7. How do you know when you can retire?
8. Lump Sum vs DCA
9. How can I increase my savings rate?
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RBS 179: Should We Wait for a Market Crash Before Investing? (FQF) Dec 21, 2024

Show notes

Welcome back to another edition of Five Question Friday. For this FQF, we cover the following five questions:
1. Should we wait to invest until stock valuations come down?
2. Does it matter if we pay the tax on a Roth conversion from a taxable account?
3. Are dividend stock ETFs a reasonable alternative to bonds?
4. Why is the 3 bucket portfolio so popular?
5. Should are planned spending in retirement be based on a percentage of our pre-retirement income?
Best retirement planners: https://robberger.com/best-retirement...
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RBS 178: Boldin vs. Pralana vs. ProjectionLab: Chance of Success Comparison Dec 16, 2024

Show notes

Do retirement planning tools calculate the same chance of success if given the same retirement plan? That's what I wanted to know, so I compared Boldin, Pralana and ProjectionLab. The results shocked me.
Boldin: https://go.robberger.com/new-retireme...
Pralana: https://go.robberger.com/pralana/yt-c...
ProjectionLab: https://go.robberger.com/projectionla...
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RBS 177: Is a 100% Stock Portfolio in Retirement Best? (FQF) Dec 14, 2024

Show notes

In this Five Question Friday (FQF), we'll be tackling the following viewer questions:
1. Is a 100% stock portfolio the best option during retirement?
2. How does the 5-year rule on Roth conversions work?
3. Should long-term investors invest in bonds?
4. How do backdoor Roth IRA conversions work?
5. What are my favorite personal finance books to give as gifts during the holidays?
Resources Mentioned in the Video:
Retire Before Mom and Dad: https://amzn.to/3OQL0DA
Big ERN's response: https://earlyretirementnow.com/2024/0...
SWR Toolbox: https://earlyretirementnow.com/2018/0...
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RBS 176: Retirement Planning With A Younger Spouse (Five Question Friday) Dec 06, 2024

Show notes

In this week's Five Question Friday, we look at several important retirement planning questions:
0:00 - Intro
0:45 - Should our asset allocation change if we have a much younger spouse?
7:45 - Should a pension represent the bond portion of a portfolio?
10:30 - What types of ETFs should go in taxable accounts versus retirement accounts?
14:13 - Should we prefer Roth conversions over investing in a taxable account?
17:31 - Should we prefer Roth conversions if we plan to use the money for long-term care?
Boldin: https://go.robberger.com/new-retireme...
Pralana: https://go.robberger.com/pralana/yt-fqf
Projection Lab: https://go.robberger.com/projectionla...
Open Social Security: https://opensocialsecurity.com/
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RBS 175: Pralana vs Boldin: How Two Popular Retirement Planning Tools Compare Dec 04, 2024

Show notes

I've been using Pralana Online over the past month. It's a retirement planning tool that, for a long time, was available as a spreadsheet. It's now available as an online app.
In this video, I take a high-level look at Pralana and compare it to Boldin, formerly New Retirement.
Pralana: https://go.robberger.com/pralana/yt-p...
Boldin: https://go.robberger.com/new-retireme...
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RBS 174: Navigating Portfolio Visualizer's New Design and a Free Alternative Nov 25, 2024

Show notes

One of my favorite tools, Portfolio Visualizer, just launched a new design. In this video, I'll show you how to navigate the changes. Unfortunately, one change is to limit the amount of backtesting data you have access to in the free version. I'll show you a free alternative.
Portfolio Visualizer: https://www.portfoliovisualizer.com/
Test Folio: https://testfol.io/
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RBS 173: Lump Sum vs Pension--What is the 6% Rule (Five Question Friday) Nov 22, 2024

Show notes

Welcome to the first episode of Five Question Friday (FQF). I'll answer five questions from past live shows that we didn't get to. Today, we're covering the following questions:
1. Is the 6% Rule on Lump Sum vs Pension Reasonable?
2. What will my stock/bond allocation be when I reach 65?
3. How do you decide between a Roth Conversion and 0% Capital Gains Harvesting?
4. What's the best credit card for travel?
5. Should an early retiree pay off their low-rate mortgage?
Kitces Article: https://www.kitces.com/blog/navigatin...
CFPB Pension Article: https://files.consumerfinance.gov/f/2...
Fidelity Pension Article: https://www.fidelity.com/learning-cen...
Travel Credit Cards: https://www.allcards.com/travel-rewar...
Cash Back Credit Cards: https://www.allcards.com/best-cash-ba...
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