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6 Money Strategies for Down Markets Depending on Your Goals

As bear market territory freaked out some investors, YMYW listeners were a bit more chill as Joe and Big Al spitballed on their specific strategies to manage the decline: does it make sense to move to cash inside your retirement account? How do down markets impact Roth Conversion decisions for older investors? What should your asset allocation be now, during market volatility, if you’re expecting a future windfall? How should you manage the relationship with your financial advisor if they buy high and sell low in your investment portfolio? Should you leave a partially vested pension to grow, or withdraw the money now and convert to Roth? What’s the best way to withdraw from an IRA in a down market?

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24
MAY
2022
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Roth Conversions, the Rule of 55, and Retirement Withdrawal Regrets

Joe and Big Al spitball, what else, Roth conversions: a conversion and pension lump sum strategy, converting vs. harvesting 0% long-term capital gains, and how to avoid double-taxation on a Roth conversion. Plus, how to allocate assets when preparing to use the Rule of 55? Do retirees regret not spending more in retirement? Will paying a thrift savings plan loan with real estate income avoid income tax? And will assets be better protected against litigation when transferred from a 401(k) to a TSP or an IRA?

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28
DEC
2021
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SEASON 7, EPISODE 13

Does Your Retirement Portfolio Reflect You?

Does your portfolio fit the financial goals you have for retirement? When you look at your portfolio does it match the goals and the risk levels you are willing to take at this point in your life, or does it look like someone much younger or even older? Just tucking money away in a retirement […]

28
NOV
2021
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What’s the Right Mix of Stocks and Bonds for Your Investment Portfolio?

Asset allocation is the delicate balance of stocks, bonds, and other assets in an investment portfolio. What allocation is best for your retirement needs? What’s a good mix of domestic and international stocks? Is it crazy to have a 90/10 allocation of equities to fixed income in a $10 million portfolio? Should Dad’s portfolio be rebalanced from 90% stocks to 60% stocks and 40% bonds? Can pension and Social Security be counted as your bond allocation? Plus, legacy tax planning: how can you avoid confiscatory estate taxes?

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12
OCT
2021
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Ask the Experts: Do I Need to Reconsider My Asset Allocation?

Question: I am a year away from retiring. Do I need to reconsider my asset allocation now? – Peter, Coronado Watch the full episode, Protecting Your Retirement Income Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, Your Wealth.” 

19
SEP
2021
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Which Asset Classes Are Good Investments to Hedge Against Inflation?

Your latest investing strategy questions answered: are gold, real estate investment trusts (REITs), international and small-cap value funds good inflation hedges? Besides the S&P 500, what sectors or asset classes should you invest in for long term portfolio diversification? Should you buy bonds? How should an 18-year-old invest the money in a Roth 401(k)? Also, how can you get out of a non-qualified annuity?

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04
MAY
2021
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YMYW Spitball Analysis 3: Tax Diversification and Asset Allocation

On round 3 of the YMYW Retirement Plan Spitball Analysis, Joe and Big Al focus on your tax diversification and asset allocation questions: should more money be going into Christy’s pre-tax Roth accounts? Has Roger set up a good portfolio for his elderly relative? Plus, the Rule of 100 (or the Rule of 120) for […]

20
OCT
2020
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Are These Retirement Investment Strategies On Track?

Joe and Big Al take a look at an investing strategy a listener set up for his parents, and they run the numbers on their variable annuity. They also kick the tires on an early retirement plan and they discuss equity allocations in a portfolio. And since no YMYW is complete without a little Roth […]

30
JUN
2020
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Analyzing 5 Investing Strategies for Volatile Markets

In these volatile financial markets, are you reconsidering your investing strategies? Joe and Big Al discuss where and when to invest cash, selling stocks in taxable accounts and repurchasing them in tax-deferred accounts, doing nothing and staying globally diversified, writing an investment policy statement, rebalancing more frequently, and doing Roth conversions, as well as fixed […]

31
MAR
2020
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How Much of Your Net Worth Should Be in Cash?

How much of your money should you keep in cash? Should you buy VBK, the Vanguard Small-Cap Growth ETF? Plus, asset allocation and asset location, the pros and cons of the Roth 401(k), Medicare, spousal and survivor Social Security benefits, tax-saving charitable giving, small business strategies, who qualifies to be called Joe Anderson’s “peer,” and […]

10
MAR
2020
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What’s the Right Retirement Asset Allocation for You?

With volatility, should you time the market and change the asset allocation of your investment portfolio, your pension, or your Thrift Savings Plan (TSP)? Plus, asset location: should equities be in a brokerage account, Roth IRA or traditional IRA? And diversification vs. concentration, calculating how much you’ll have in retirement, how to get there from […]

25
FEB
2020
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Asset Allocation vs. Asset Location

Kyle Stacey, CFP® explains the difference between asset allocation and asset location, and how they work together in your investment portfolio. Transcript: So today we’re going to talk about asset allocation and asset location, and how those two intertwine and can be used in conjunction with each other. So asset allocation is going to be […]

27
SEP
2019
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Recession and the Inverted Yield Curve

An inverted yield curve has often led to recession. Pure Financial Advisors’ Executive Vice President and Director of Research, Brian Perry, CFP®, CFA, discusses the current state of the markets and the possibility of recession, and he helps Joe and Big Al answer some listener questions from our 2019 YMYW podcast survey: are structured notes […]

20
AUG
2019
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Mobile Home Parks: Is This Undiscovered Real Estate Investment Right For You?

Jefferson Lilly from Park Avenue Partners and the Mobile Home Park Investors podcast and LinkedIn group tells us why he thinks mobile home parks are the best real estate investment available. Plus, Joe and Big Al answer a whole slew of your money questions: what percentage of natural resources should be in your portfolio? How […]

27
NOV
2018
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Tempted to Panic and Sell? Do These 3 Things Instead

Brian Perry and Larry Swedroe on market volatility, whether, as President Donald Trump said, the Fed is crazy, and what 3 things you should do next to be like the greatest investor of all time, Warren Buffett. Plus, answers to your questions: can you roll a 401(k) into a home purchase? What’s a good allocation […]

16
OCT
2018
LISTEN NOW
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