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You’ve saved money for a house downpayment. Should you invest it in the stock market until you’re ready to buy that property? Should a young saver take as much investing risk as possible, or buy a condo? Plus, the tax efficiency of robo-advisor brokerage account withdrawals, backdoor Roth conversions under the Build Back Better Act, using a charitable remainder trust to avoid inherited IRA tax under the SECURE Act, and listener comments on our pension and capital gains compilation episodes.
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Having wrapped up another year in the markets, now is a good time to review your investment strategy. We all share the goal of increasing our investment results, however, research shows that trying to time the market can be difficult and counter-productive. It is extremely important to follow your plan and adjust your strategy over […]
Brian Perry, CFP®, CFA®, Pure Financial Advisors’ Executive Vice President and Director of Research, sums up the events that moved markets and shaped our lives in 2021: Inflation worries COVID variants Potential tax law changes Brian covers all these and more as he discusses what’s happened in markets and why. You’ll also learn more about […]
How much company stock in your investment portfolio is too risky? Can series I savings bonds act as the cash in your portfolio? In the sequence of retirement savings, would contributing to a brokerage account instead of maxing out your 401(k) or 403(b) ever make sense? How should a 20-something self-employed couple, investing monthly in Vanguard’s Total Stock Market Index Fund (VTSAX), get retirement-ready? Is it possible to pay for the construction of a new home and keep the earned income tax credit and child tax credits? Should Roth conversion funds come from an inherited IRA, 401(k), brokerage account, or Social Security?
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What do Joe and Big Al think of the “Buy, Borrow, Die” strategy of the uber-wealthy, and how could it work on a smaller scale? Plus, stacking capital gains vs. Roth conversions, contributing to a non-deductible IRA vs. a brokerage account given ordinary income tax vs. capital gains tax, and minimizing the tax when a trust is the beneficiary on a thrift savings plan (TSP). Also, how to estimate Social Security benefits with a future salary of $0, and why delay Social Security to age 70 if you don’t need the money? Finally, is it bad etiquette to “ghost” an advisor? Should you hire a financial advisor near you?
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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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There are a number of major tax law changes being hammered out in Congress right now. How will new tax reform impact how much you pay in tax and your retirement planning? In this webinar, Your Money, Your Wealth® hosts Joe Anderson, CFP®, President of Pure Financial Advisors, and Big Al Clopine, CPA, Pure Financial’s […]
When you first learn about investing you are told to diversity – to spread out your risk. But if you invested in bonds, certificates of deposit, or put your money in a savings accounts lately you could be losing money. Now and for recent history, the return has been near zero versus 5% historically. So […]
Having a balanced portfolio is crucial when it comes to investing. Bonds are an essential part of that, playing a crucial role in keeping an investment portfolio diversified. Bonds act as a stabilizer because of their fixed income, limited volatility, and tendency to rise in value when the market is under stress. Understanding the basics […]
To keep my portfolio diversified, what percentage of my portfolio should I allocate to ESG funds? – Cynthia, San Marcos Watch the full episode, Portfolio With a Purpose: The Megatrend of Conscientious Investing Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, Your Wealth.”
ESG is only applicable to certain companies, such as those in the energy, manufacturing and mining industries: true or false? Watch the full episode, Portfolio With a Purpose: The Megatrend of Conscientious Investing Make sure to subscribe to our channel for more helpful tips and the latest episodes of “Your Money, Your Wealth.”
Portfolios With A Purpose: Risk vs Return: It Isn’t One-Size-Fits-All Tricky to Select Your Issues No Reporting Requirement (Rely on Self-Reported Data) ESG Funds Can Have Higher Fees Performance Isn’t Guaranteed Watch the full episode, Portfolio With a Purpose: The Megatrend of Conscientious Investing Make sure to subscribe to our channel for more helpful […]
ESG investing can be a bit complicated. Almost everyone has a different idea on which companies are being socially responsible and which companies are not. Watch the full episode, Portfolio With a Purpose: The Megatrend of Conscientious Investing Make sure to subscribe to our channel for more helpful tips and the latest episodes of […]
Which Factors are Most Important to ESG Investors? 17% – Rate of Return 16% – Social Impact 16% – Goals of the Company 13% – Environmental Impact 13% – Past Performance Watch the full episode, Portfolio With a Purpose: The Megatrend of Conscientious Investing Make sure to subscribe to our channel for more helpful […]
Clean Tech – Sustainable Materials– Carbon Capture! Large financial returns aren’t the only thing that many investors are looking for when they put money into the market. Some want to encourage bigger investment in the environment and companies that have a positive impact socially. Today the most universally accepted approach is called ESG Investing which […]
