Joe & Big Al discuss various strategies to protect your portfolio from a stock market crash: stop losses, put options, collars, non-correlated alternative investments, and tax-managed buy-and-hold. Also: how should you measure financial advisor performance? How does tax-loss harvesting work? Are health savings accounts (HSA) tax-free? Is alternative minimum tax (AMT) a concern when moving Roth to an annuity? And our first “Dear Joe” question, in the Derails: how do you get your mother-in-law to stop smoking in your car without starting a fight?
Risk management investing strategies: is selling rental property and buying a variable annuity to reduce sequence of return risk and interest rate risk a good idea? Do small-cap or emerging markets have better risk-adjusted returns against market volatility? Should eREITs (non-traded real estate investment trusts) be in your retirement investments? Is RPAR Risk Parity ETF a good inflation hedge? Should you be tax gain harvesting in declining financial markets?
Joe and Big Al spitball considerations for a few listener retirement plans, including investing in brokerage and Roth instead of pre-tax, getting tax diversification, taking the pension lump sum or annuity, paying for college education, and calculating a “retirement number” to put your savings on autopilot. Plus, what life insurance “investment” has a purported “guaranteed” […]
When the markets have large swings – up and down – investors often make mistakes that can jeopardize their entire retirement plan. Financial professionals Joe Anderson and Alan Clopine provide a long-term view of how the markets respond in good and bad times. They also give you the tools you need to take the emotion […]
Financial planning strategies around Coronavirus-Related Distributions from retirement accounts and required minimum distributions (RMDs). Plus, listener corrections on dependents and the CARES Act stimulus package. Also, two very different market volatility strategies: living off of cash and Social Security only, and leveraging a home equity line of credit (HELOC) to invest. Subscribe to the YMYW […]
To the individuals and families we serve, Given the spike in market volatility due to the COVID-19 pandemic, this seems like a good time to discuss how Pure Financial Advisors’ investment philosophy has been designed to facilitate efficient implementation for each and every one of our clients, even in the most extreme of market conditions. […]
Market update, commentary, and answers to client questions from Tuesday, April 7, 2020 with Pure Financial Advisors’ Executive Vice President and Director of Research, Brian Perry, CFP®, CFA and special guest, Apollo Lupescu, PhD, Vice President of Dimensional Fund Advisors. 00:00 – Introduction Apollo Lupescu Interview: 02:28 – The human element: how are investors feeling […]
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 […]
When the stock market experiences highs and lows many investors make the mistake of dramatically changing their investment strategy. We ask the experts if inflation spikes or if dips in the market are reason enough to make drastic shifts in your portfolio. Financial professionals Joe Anderson and Alan Clopine explain why timing the market isn’t […]
Back to investing basics with Matt Balderston, CFP® from Pure Financial Advisors: what makes for a wise investing philosophy while on the market volatility roller coaster? Plus, answers to your money questions: How do you find a financial fiduciary? How do you avoid people with bad financial intentions? What is a good investment policy statement? […]
According to Dr. Chris Thornberg of Beacon Economics, the US economy and real estate market are currently extremely healthy, so we should appreciate it and focus now on fixing the retirement crisis we’re facing in 10-15 years. Plus, Joe and Big Al answer your money questions: Why is owning a home considered “profitable”? Is it […]
Keep the Volatile Stock Market From Wiping Out Your Retirement Savings: Control What You Can Control
From record highs to record lows, the stock market can change hour by hour leaving you with market motion sickness. When the stock market is the most volatile, is when many independent investors make their biggest mistakes that can potentially wipe out their entire financial plan for retirement. Financial professionals Joe Anderson and Alan Clopine […]
The sharp ups and downs of a volatile stock market can leave even the most experienced investor feeling a little queasy. The critical choices you make during these key times can have a dramatic impact on the amount of money you have to spend in retirement. There are steps you can take to help keep […]
Stock market volatility is normal, but for many investors, a dive in the market can create panic and lead to them to selling off their investments at the worst time possible. Overreacting to a volatile market can wipe out the increases they’ve made in their retirement funds. Financial professionals Joe Anderson and Alan Clopine explain […]
“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 […]