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With gold making new highs and up more than 50% in 2025 you might be wondering whether it makes sense to hold gold instead of stocks. It’s a good question, but as you can see from the chart below, over the very long term (since 1915) there is really no comparison. The Dow Jones Industrial […]
We’re playing “which comes first” in this episode: “Retired G-Man and Nurse Ratched” from Pennsylvania have saved $2 million. Should they withdraw money first from their IRA or their taxable accounts in retirement? “Mike and Carol” in Florida want to know when and how much to convert to Roth, but they’re also sitting on a mountain of company stock. Should they deal with that first? Mackey in Florida is 55 and wonders if he can retire now with $2.6 million and some lingering debt – but there’s an important first he’s missing too! Plus, Mike in Utah asks Joe and Big Al to spitball on a plan for his 90-year-old mom’s $1.9 million annuity, and Doc McMuffin in Minnesota asks for the fellas’ take on her plan to gift appreciated assets to her parents.
Careful planning during the Retirement Risk Zone is critical for a healthy financial future. Pure’s Financial Advisor, Jeff Wille, CFP®, AIF®, describes what the Retirement Risk Zone is, why it matters, and what you can do to protect your hard-earned savings during this crucial stage. Transcript When it comes to retirement planning, many people focus […]
Pure’s Executive Vice President & Chief Investment Officer, Brian Perry, CFP®, CFA® charter, AIF®, provides insight into the financial markets for the upcoming 2025 year. Outline 00:00 Intro 00:14 Major stories in 2024 3:10 US economic growth 5:37 Inflation 8:30 Yield a strong predictor of future returns 11:55 Crypto 13:11 Gold 14:03 Q&A Since the […]
Factor investing is a strategic approach that involves finding securities based on specific attributes such as value, quality, momentum, size, and minimum volatility. These factors, which are well-documented by researchers, are essential tools for investors seeking to outperform the market. Decades of research have revealed the sets of characteristics that explain differences in expected returns. […]
Many people are invested in stocks from around the world and don’t even know it, which highlights the importance of a well-structured and diversified investment portfolio. Pure’s Senior Financial Planner, Robert Canavan, CFP®, AIF®, discusses methods for improving your global exposure through investment. FREE GUIDE | Beyond Borders: Global Investing Transcript Here is an oldie […]
Your asset allocation will evolve as your financial life, timeframes, and comfort with investing changes. Pure’s Financial Planner, Nick Rose, CFP®, AIF®, talks about the importance of having the proper mix of investments in your portfolio to optimize your money’s growth regardless of age and economic circumstances. FREE GUIDE | Retirement Reality Checklist Transcript Asset […]
Joe and Big Al spitball on set-and-forget brokerage investments for 30-something investors, real estate as a substitute for bonds in a diversified portfolio, and options for taking a state pension with or without sick time pay. The fellas also discuss how to bridge the gap until collecting Social Security, strategies for claiming spousal Social Security benefits, and whether you need to sign up for Medicare if you’d rather keep the healthcare you already have.
Is it better to choose low-cost index funds or to diversify investments, even if it means paying higher fees? What causes mutual fund price fluctuation? Are mid-cap funds necessary in a balanced portfolio? Joe and Big Al also talk about real estate funds vs. real estate investment trusts (REITs), and annuities vs. bonds in a retirement portfolio. Finally, we revisit some investing strategy questions from earlier in the year that are still relevant in today’s volatile markets, on moving to cash in tough times, analyzing your asset allocation, and rebalancing your retirement portfolio.
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Setting up your saving and investing strategies when you’re in your 30s can put you on a good path to meeting your retirement goals. Joe and Big Al revisit their financial spitballing over the last couple of years specifically for savers and investors in their 30s and even 20s, some of whom want to retire early.
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Can your investment portfolio be over diversified? How do dividends and net unrealized appreciation (NUA) work? How will ownership inequality in the stock market impact future returns for most investors? What do Joe & Big Al think of target date funds? Plus, the YMYW podcast is now on video! Watch the fellas spitball on annuities, bonds, long-term treasuries, risk tolerance, the buckets of money investing strategy and the latest on the Roth provisions in the Build Back Better Act. Show notes, video clips, free resources, Ask Joe & Al On Air: https://bizlink.to/ymyw-352
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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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Is your advisor’s financial plan for you too cookie-cutter, set it and forget it? Should you stay or should you go? Joe and Big Al weigh in on whether a couple of listeners who are dissatisfied with their financial advisors should ditch the advisors or keep them. Plus, how should you choose investments in your […]
If a large share of your investment portfolio is in a single stock, it may represent an unnecessary risk to your overall wealth. You may need to sell some of that company stock, but how do you diversify a concentrated stock position in the most tax-efficient way possible to minimize capital gains tax? Is tax-efficiency […]
“If we’re heading to a recession, we’re already in it.” Liz Ann Sonders (Chief Investment Strategist, Charles Schwab & Co.) shares her mid-year market insights and provides strategies for removing the emotion from investing, regardless of market conditions. Plus, Joe and Big Al answer your money questions: how do you diversify a portfolio for the […]
