Podcasts about bond funds

Marty Neville discusses the evolving landscape of retirement planning, particularly focusing on Generation X as they prepare for retirement. He emphasizes the importance of having a comprehensive plan that includes health care costs, income strategies, and the transition from accumulation to de-accumulation. The discussion also touches on the significance of timing in retirement, the necessity of a spending plan, and the need to keep money working for you even after retirement. Marty addresses common concerns about Social Security and the importance of staying active and engaged in retirement life. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty discusses the evolution of retirement planning from the 1990s to today, emphasizing the importance of adapting strategies to current economic realities. He highlights the longevity of retirement, the relevance of the 4% rule, the impact of inflation, and the role of annuities in providing guaranteed income. Additionally, he addresses tax strategies, legacy planning, and the differences between Roth and traditional IRAs, ultimately advocating for a comprehensive and customized approach to retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

In this conversation, Marty discusses the current landscape of annuities and interest rates, emphasizing the importance of understanding modern annuity features and their tax implications. He highlights strategies for managing retirement income, including the significance of required minimum distributions (RMDs) and the potential tax bomb they can create. The discussion also covers the benefits of Roth conversions, legacy planning for special needs dependents, and the necessity of a comprehensive retirement plan that addresses healthcare costs and inflation. Throughout, Marty encourages regular reviews of retirement strategies to adapt to changing financial needs and goals. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Paul brings in a commercial showing trendy young investors working with their flashy advisor, and the secret sauce that is bringing in all the success is … “institutional grade” bond funds? Listen along as Paul, Evan, and Dan explain what's wrong with this picture and why the financial industry is more interested in how marketable a product is and not how effective it is. Later in the episode, the European stock market isn't seeing very many new public companies. Does this mean anything for investors?   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

In this episode we answer emails from Postmaster, John, and Patrick.  We discuss the ins and outs of managed futures, the outs of international bonds and currency funds, and Risk Parity Chronicles.  Reborn!And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donations:  Donate - Father McKenna Center Demystifying Managed Futures Article:  Demystifying Managed Futures AQR.pdfDBMF Video (and link to YouTube channel):  DBMF in Four MinutesMorningstar Article re Alternatives:  How ETF Diversifiers Performed During Market Turmoil | MorningstarRisk Parity Chronicles Shannon's Demon Article:  Shannon's Demon Explainer - by JustinRPC Article re Rebalancings:  Does threshold rebalancing work with leveraged funds?RPC Portfolios:  Overview of the RPC Portfolios - by JustinRPC Subscription Link:  Risk Parity Chronicles | Justin | SubstackBreathless Unedited AI-Bot Summary:Ever wondered how managed futures work and why they're becoming increasingly popular in diversified portfolios? This episode delivers a comprehensive explanation of these powerful but often misunderstood investment vehicles.Managed futures use trend-following strategies (academically called "time series momentum") to profit from price movements across commodities, currencies, interest rates, and equity indexes. Dating back to the 1960s, these strategies challenge efficient market theory by capitalizing on the observation that when prices start moving in a direction, they often continue that trajectory for extended periods.What makes managed futures particularly valuable is their complete lack of correlation with traditional assets like stocks and bonds, combined with their positive skew. Unlike stocks that "go up the stairs and down the elevator," managed futures typically deliver modest returns during normal markets but can produce extraordinary gains during extreme market environments - precisely when conventional investments struggle most. This unique return profile was on full display in 2022 when many managed futures funds gained 20-30% while both stocks and bonds suffered.The democratization of managed futures through ETFs like DBMF, KMLM, and newer offerings from Fidelity and BlackRock has made these institutional-quality strategies accessible to everyday investors at reasonable costs. DBMF, in particular, uses an innovative replication approach to match the performance of the Société Générale CTA Index, functioning somewhat like a Vanguard for the managed futures space.We also discuss why international bond funds make less effective diversifiers than managed futures, share exciting news about the return of Risk Parity Chronicles blog, and review the performance of our eight sample portfolios.Support the show

Marty talks about the critical aspects of retirement planning, emphasizing the difference between thinking one has a retirement plan and actually having a comprehensive, written plan. He addresses common misconceptions about retirement, including the belief that Medicare covers all health care costs and the dangers of procrastination in planning. The discussion also covers the importance of estate planning, various income sources for retirement, tax strategies, and the benefits of health savings accounts. Marty highlights the role of annuities in retirement and provides insights into navigating estate planning for blended families. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty discusses the evolving landscape of retirement planning, emphasizing the need to rethink traditional strategies. He addresses common concerns such as mortgage management, determining retirement income needs, the implications of downsizing, and the impact of inflation on retirement savings. The conversation also covers healthcare costs, housing choices, and the balance between supporting grandchildren and ensuring personal financial security. Listener questions provide further insights into managing retirement funds and legacy planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty covers the essential aspects of retirement planning, focusing on income needs, healthcare, long-term care, and common missteps to avoid. He emphasizes the importance of personalized planning and preparation to ensure financial security in retirement. The conversation also addresses the gap between optimism and preparedness, the significance of diversifying income streams, and the necessity of having a long-term care plan. Listener questions are answered, providing insights into specific retirement concerns. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

In this episode we answer emails from Thirsty Horse, Graham, Chris, Oberon, Ronald and Mark.  We discuss their personal progress with finances and better relationships, books about that and thriving, treasury bond funds, choosing volunteering and charitable opportunities, and sample portfolio dividends and interest.Campaign update: Top of the T-Shirt fundraiser for Father McKenna Center closing July 31!Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterTestfolio Comparison of VGLT, TYA and GOVZ:  testfol.io/analysis?s=4bAJZXAObDDBreathless Unedited AI-Bot Summary:The journey from wealth accumulation to meaningful spending is perhaps one of the most challenging psychological transitions in personal finance. In this thought-provoking episode, we explore the mental barriers that prevent even financially successful people from fully enjoying their hard-earned freedom.Through several listener stories, we witness the transformative power of risk parity principles not just as investment strategies, but as confidence-building frameworks that empower life changes. One listener shares how implementing these concepts gave them the security to leave a high-paying career for more purposeful work. Another reveals their struggle with "optimization addiction" - postponing experiences like concerts and travel while continuing to accumulate unnecessary wealth.This episode delivers practical wisdom on finding balance between financial security and life enjoyment. We discuss recommended books for navigating the retirement mindset transition, including Bronnie Ware's "Five Regrets of the Dying" and Arthur Brooks' work on finding purpose in life's second half. For those interested in the technical side, we examine treasury bond strategies during recessionary environments, comparing performance across different instruments.Perhaps most valuably, we explore how to select meaningful charitable causes that align with your skills and passions. The Father McKenna Center campaign illustrates how financial independence can create opportunities for impact beyond personal wealth.Ready to shift from obsessing over your portfolio to embracing life's experiences? This episode might just give you the perspective shift you need. Remember: winning the financial game is just the beginning – learning to actually play it is where true fulfillment begins.Support the show

Marty discusses the essential elements of retirement planning, emphasizing the importance of intentional action, smart income distribution strategies, and proactive tax planning. He addresses common concerns such as healthcare costs, market volatility, and the necessity of estate planning. The conversation also includes a Q&A segment where listener questions about retirement strategies are answered, providing practical insights for those approaching retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Brad and Rachael Camp tackle listener-submitted questions focusing on bonds, retirement strategies, pensions, and optimizing Roth IRA conversions. Rachael Camp, a Certified Financial Planner, sheds light on various financial independence (FI) strategies—discussing the impact of interest rate volatility on bond investments, the importance of tax planning during retirement, and navigating unexpected inheritances. Timestamps and Key Topics 00:01:10 - Introduction to Bonds 00:03:15 - Bonds vs. Bond Funds 00:24:07 - Pension Strategies 00:27:29 - Roth IRA Conversions 00:45:11 - Handling Inheritance and Taxes Key Insights Understanding Bond Dynamics: Timestamp: 00:04:10: Understanding the inverse relationship between bond prices and interest rates is crucial. Timestamp: 00:16:30: Review your bond strategy annually to assess risks associated with interest rate changes. Bond Funds vs Individual Bonds: Timestamp: 00:21:24: For long-term strategies, individual bonds and bond funds often perform similarly. If you consistently reinvest mature bonds, you effectively manage the same risk as a bond fund. Pension Ramifications: Timestamp: 00:25:53: Use your pension wisely to enhance your tax strategy! Roth IRA Conversion Strategy: Timestamp: 00:34:10: Maximize your savings with strategic Roth conversions, particularly before pension income starts. Inheritance Implications: Timestamp: 00:46:21: Evaluate the impact of any inheritance on your overall tax strategy carefully. Actionable Takeaways Regularly assess your bond exposure and adjust according to market conditions. Prioritize Roth conversions during income gaps in your retirement timeline to leverage low tax brackets. Plan your inheritance withdrawals strategically over the 10-year required period to mitigate tax impacts. Frequently Asked Questions What is the difference between bond funds and individual bonds? Bond funds are collections of bonds that continue to reinvest, while individual bonds are purchased with a fixed interest rate and maturity. This influences cash flow needs and risk tolerance. Timestamp: 00:10:40 How do Roth conversions affect my tax bracket? Roth conversions can fill your tax bracket before pensions begin to reduce available space, maximizing tax efficiency of your retirement income. Timestamp: 00:34:10

In this engaging conversation, Marty shares his recent birthday trip to Europe, highlighting his experiences in Amsterdam and Belgium. Marty uses this trip as an example of what can be achieved with financial freedom in retirement. Marty covers the true meaning of financial independence, the role of passive income, and the psychological and emotional aspects. The discussion also covers navigating inflation, maximizing retirement savings, and the necessity of having an emergency fund. Additionally, Marty touches on long-term care and estate planning, providing valuable insights and advice for listeners. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

In this episode, Marty discusses the importance of maintaining control over one's financial future, addressing common insecurities many Americans face regarding their financial stability. He emphasizes the need for a comprehensive financial plan that includes understanding income sources, managing debt, and preparing for emergencies. The conversation also covers the benefits of annuities, the significance of not procrastinating in financial planning, and strategies for effective retirement savings. Marty encourages listeners to take proactive steps in their financial journey and offers his services for personalized financial planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty unpacks some retirement mistakes baby boomers are making including overestimating their Social Security, delaying retirement contributions, and underestimating healthcare costs. He offers some proactive solutions. Marty also offers some warnings and suggestions for that critical first year of retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Are individual bonds better than bond funds? What's the actual difference between the two—and why does it matter for your investment strategy?In this episode, Evon Mendrin, CFP®, CSLP®, dives into the key distinctions between individual bonds and bond funds, and what private practice optometrists need to consider when deciding between them. Whether you're aiming for stability, income, or long-term growth in your portfolio, understanding how these investment tools work can guide better financial decisions.In this episode, you'll learn:What a bond actually is and how it functionsThe key differences between owning individual bonds and investing in bond fundsThe pros and cons of each approachWhy “safety” in bonds can be misunderstoodHow market interest rates affect the value of your bonds or bond fundsWhen it may make sense to use one over the other in your financial planResources mentioned:Vanguard: Individual Bonds vs. Bond FundsVanguard: Taxable Bond Investing - Bond Fund vs. Individual BondsUS Treasury DirectS&P Dow Jones: The Hidden Costs of Retail Purchases in Investment Grade Municipal BondsA Wealth of Common Sense Blog: Owning Individual Bonds vs. A Bond FundRelated Episodes:Podcast Ep 58: Investing Fundamentals – Understanding Stocks, Bonds, Mutual Funds, and ETFsEp 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Marty talks about the importance of mindset in making financial decisions, particularly in retirement planning. He emphasizes the need for a comprehensive plan to alleviate financial stress and provide confidence for the future. The discussion covers various aspects of retirement, including the significance of understanding the 4% rule, tax implications, and managing risk effectively. Marty shares practical tips for building a retirement strategy that ensures a comfortable and secure financial future. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty discusses the importance of financial recovery and resilience after making mistakes with money. He emphasizes the need for strategic planning in retirement, focusing on income security, maximizing Social Security benefits, and preparing for healthcare expenses. The discussion highlights the significance of creating a personal pension plan to ensure a comfortable retirement, while also addressing the emotional aspects of financial decision-making. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty discusses the complexities of retirement spending, emphasizing that spending patterns change significantly throughout retirement. He highlights the importance of budgeting for the 'go-go years' when retirees often spend more on travel and leisure, the 'slow-go years' where spending may decrease, and the 'no-go years' where health care costs become a major concern. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty discusses the various financial surprises that retirees may encounter, including fluctuating expenses, the impact of healthcare costs, and the importance of proactive planning. He emphasizes the need for a comprehensive understanding of retirement expenses, including hidden costs and the role of inflation. The discussion also covers lifestyle changes in retirement, spousal strategies for aligning goals, and the complexities of Social Security and healthcare planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

In this conversation, Marty discusses various aspects of retirement planning, focusing on building a durable income stream through annuities, tax strategies to minimize tax burdens, and managing required minimum distributions (RMDs) effectively. He emphasizes the importance of understanding individual financial needs and the evolving nature of financial products available for retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Colin and Karyn dig into one of the most common fixed income questions: should you buy individual bonds or bond funds? They cover everything from yield curves and cash flow needs to diversification. Whether you are building wealth or looking for simplicity, this episode lays out the pros, cons, and misconceptions of each strategy. Tune in and enjoy the show!

Marty discusses effective strategies for retirement planning, emphasizing the importance of building multiple income streams, consolidating retirement accounts, and identifying potential red flags in retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty discusses various economic indicators that may signal a recession, both conventional and unconventional. He emphasizes the importance of understanding these indicators to make informed financial decisions. The discussion also covers the significance of diversifying income streams, maintaining emergency funds, and avoiding common retirement planning mistakes. Marty highlights the necessity of strategic tax planning and the importance of long-term retirement strategies tailored to individual needs. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today on Your Money, Your Wealth® podcast number 529. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what's the tax efficiency of a money market compared to bond funds? Free financial resources & episode transcript: https://bit.ly/ymyw-529 WATCH How to Break Through Retirement Barriers on YMYW TV CALCULATE your Free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - We're in the 32% Tax Bracket. Should We Do Roth Conversions? (John, Boston, MA) 06:19 - We Have Large Tax-Free Pension Income. Should We Do Roth Conversions? (Flight Deck Dad & Irish Girl, Pensacola, FL) 16:03 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate your free Financial Blueprint 16:52 - Should We Do Roth Conversions or Take Advantage of 0% Capital Gains Tax? (Bert & Ernie, NJ) 25:53 - In the 24% Bracket. Should We Contribute to Tax-Free or Tax Deferred Accounts? (Michael, Bellevue, WA) 29:49 - Schedule a Free Financial Assessment at any of Pure Financial Advisors' 12 nationwide locations or online 31:04 - Disadvantages to Paying Off the Mortgage ASAP? Tax Efficiency of Money Market vs. Bond Funds? (Frenchie, ME) 36:23 - Outro: Next Week on the YMYW Podcast

Marty covers financial planning strategies for uncertain economic times, emphasizing the importance of preparation and mindset. The discussion also covers inflation's impact on retirement and the balance between cash management and investment strategies. Marty discusses the importance of wise investing for retirement, emphasizing the need to protect savings and avoid unnecessary risks. He highlights the unique financial challenges women face, including the wage gap and longevity issues, and offers strategies to overcome these obstacles. The discussion also touches on the significance of having a solid financial plan, the role of risk aversion in investment strategies, and concludes with light-hearted mom-isms that provide timeless financial wisdom. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Marty covers common misconceptions about retirement planning, emphasizing the importance of realistic assumptions. He highlights the risks associated with relying on market performance, inflation, and the expectation of inheritance. Marty stresses the need for a comprehensive retirement plan that accounts for potential life changes and economic fluctuations. He also explores opportunities that arise in volatile markets, such as tax loss harvesting and strategic buying, while advocating for guaranteed income strategies to ensure financial security in retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutions.com See omnystudio.com/listener for privacy information.

Marty discusses the challenges and strategies for navigating market uncertainty as individuals approach retirement. He emphasizes the importance of sticking to a financial plan, understanding income-generating investments, and maximizing Social Security benefits. The discussion highlights the need for knowledge and preparation in retirement planning, particularly in light of market fluctuations and the complexities of Social Security. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Eric Kearney and Joseph Lanza discuss the unpredictable nature of life and its impact on retirement planning. They emphasize the importance of being prepared for various curveballs, including health issues, financial instability, and unexpected family matters. The conversation highlights the necessity of comprehensive financial planning, particularly in relation to healthcare costs and tax implications. The hosts also challenge outdated retirement rules, advocating for personalized financial strategies that reflect individual circumstances and needs. The conversation also highlights the value of educational classes in enhancing financial knowledge and making informed decisions about retirement. Call Eric Kearney 800-779-1942 Visit Retirement Wealth LLC to learn more. Text Eric to 600700.See omnystudio.com/listener for privacy information.

Welcome back to another edition of Five Question Friday (FQF). Here are today's questions:1. What bond funds do I use in my portfolio?2. Do you really need an emergency fund?3. How does living off interest work with Bengen's 4% rule? 4. How to track money market funds in my investment tracking spreadsheet?5.  Are money market funds better than intermediate-term bond funds?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

What are the benefits and differences between exchange-traded funds and mutual funds? Mike in Colorado wants to know. How should Lauren in Florida approach the fixed-income portion of her investment portfolio? Would a balanced fund be good for asset allocation in the decumulation phase for DJ in Missouri? Plus, Karen wants to make a one-time roulette investment. Should she hire a broker or do it herself? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on investing from the basics to the alternatives, today on Your Money, Your Wealth® podcast number 516. But first, something for YMYW's legion of Old-Fashioned drinkers: find out how you can put your money where your mouth is with our special guest Jeremy Kasler, the founder and CEO of CaskX, making investing in whiskey and bourbon more accessible and transparent for investors. Access free financial resources and the episode transcript: https://bit.ly/ymyw-516 DOWNLOAD The Investing Basics Guide WATCH Financial Facts vs. Fiction: The Truth May Shock You! on YMYW TV DOWNLOAD The Retirement Readiness Guide WATCH the full interview with Jeremy Kasler of CaskX ASK Joe & Big Al for your Retirement Spitball Analysis CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:55 - How to Invest in Bourbon and Whiskey with Jeremy Kasler, Founder and CEO of CaskX (watch the full interview exclusively on YouTube) 12:17 - Watch Financial Fact vs. Fiction: The Truth May Shock You! On YMYW TV, Download the Retirement Readiness Guide 13:09 - Big Al and Joe's Favorite Bourbons or Whiskeys 15:17 - ETFs vs. Mutual Funds Explained (Mike, CO) 18:34 - Bonds, Bond Funds, TIPs, CDs: Where to Invest for Fixed Income? (Lauren, FL) 21:47 - Download the Investing Basics Guide, Calculate your Free Financial Blueprint 22:54 - Is a Balanced Fund Good for Asset Allocation in the Decumulation Phase? (DJ, Missouri) 27:33 - One-Time Roulette Investment: Should I Hire a Broker or Do It Myself? (Karen) 31:46 - Outro: Next Week on the YMYW Podcast

In this episode from Saturday's radio show: 1:48 The Illusion of Gold 7:13 Retirement and Investment Strategies 8:52 Health Savings Accounts Explored 12:53 The Dangers of Meme Coins 15:54 Navigating Required Minimum Distributions 25:19 Bond Funds and Market Stability 28:56 Capital Gains Tax Insights 34:14 Understanding IRMAA and Medicare Costs Learn more about your ad choices. Visit megaphone.fm/adchoices

Don takes your questions: 2:59 Bond Funds vs. Individual Bonds 6:02 Starting a Custodial Roth IRA 7:55 Building a Taxable Bond Hedge 10:57 Rebalancing in Retirement Learn more about your ad choices. Visit megaphone.fm/adchoices

Russel Kinnel, director of ratings for Morningstar Research Services, discusses large growth's impressive run in 2024 and why it might be time to rebalance if you haven't in a while.What is Driving Growth's Impressive Run?Why Is it Important to Rebalance NowWhat Triggered Growth's Largest Selloffs Since 2000What Was Unusual About the Growth Correction in 2022Top-Rated Bond Funds that Could Help with Saving for an Emergency FundBond Funds that are Defensive if Growth Gets Crushed  Small-Value Funds Out of Sync With Large Growth  Mid-Growth Funds that are Good Diversifiers Read about topics from this episode.  Subscribe to the Morningstar FundInvestor newsletter. 6 Top-Performing Large-Growth Funds Is It Time to Diversify Beyond US Large-Cap Growth Stocks? How to Rebalance Your Portfolio Before 2025 The Best Funds for Rebalancing in 2025 The Best Bond Funds   What to watch from Morningstar.What Higher Bond Yields Mean for Markets in 2025 Yes, You Can Still Find Tax-Loss Harvesting Opportunities in 2024A Simpler Medicare Part D Is Coming. Here's How It Could Save You MoneyA Better Way to Use Leverage in Your ETF Portfolio Read what our team is writing:Russel KinnelIvanna Hampton  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Jonathan Browne, portfolio manager at RiverNorth Capital, joins the podcast to discuss investment opportunities in municipal bonds, specifically through the closed-end fund structure.   This podcast episode was made available to premium subscribers the day after recording and without ads or announcements. To become a premium subscriber, visit our Substack. Content Highlights Quick primer on closed-end funds and their difference with mutual funds and ETFs (1:18); Municipal bonds and what to look for there (16:01); What kind of yield can investors expect from this asset class? (23:31); Background on the guest (26:50); Rising interest rates and inflation are certainly a risk for muni bonds, but the risk/reward is set up constructively... (30:59); Muni closed-end funds: a contrarian pick (37:28) For more on the guest, visit the website RiverNorth.com

Jonathan Browne, Senior Investment Analyst at RiverNorth Capital Management — and Portfolio Manager on five of the firm's municipal bond closed-end fund-of-funds — says that the headwinds that made for big struggles in the muni bond space have shifted to become tailwinds, creating opportunity despite the strong recent rebound among muni bond funds. Browne says that the rising-rate cycle had led to discounts reaching the 12 to 15 percent range — a level previously only reached during financial crises — making munis about as cheap as they had ever been. Now, even after a run of more than 30 percent, muni closed-end funds are at the 70th percentile of cheapness, with "quite a bit of room to run."

Todd Rosenbluth, head of research at VettaFi, says that the start of a rate-cutting cycle is a time when investors will want low-cost active management — rather than an index fund — in the fixed-income space. To that end, he picks a T. Rowe Price fund that uses a quantitative management style as his ETF of the Week, noting it can do the job for investors looking to diversify their fixed-income holdings. Jessica Johnston, senior director for NCOA's Center for Economic Well-Being In the U.S., discusses a recent survey by the group which showed that 80 percent of older Americans face a real risk of financial insecurity, Chuck discusses what investors and savers are facing — regardless of which side wins the election — when it comes to decisions on tax legislation that expires in 2025, covering everything from tax rates and the standard deduction to the child tax credit,estate tax exemptions and much more. And in the Market Call, Kathy Boyle of Chapin Hill Advisors discusses how she uses ETFs in pursuing core-and-explore investment strategy.

In this episode we answer emails from Frank, John, Aaron and Pete.  We discuss bond allocations in treasuries of various durations, when retirement account space is limited and the tax bracket is high, the reasons for the strange presentation of this podcast and how to use a new AI-Bot to circumvent them (with an embedded example of an AI-Bot podcast created from Episode 333 about target date funds), the joys of having younger listeners and Derek Tharp's Monte Carlo based variable withdrawal strategies.Links:The New Google Notebook AI-Bot That Creates Podcasts:  NotebookLM | Note Taking & Research Assistant Powered by AIDerek Tharp Podcast:  Busting the 4% Rule Myth - Retirement Revealed | Podcast on SpotifyDerek Tharp Article:  A Monte Carlo 50% Retirement Success Probability Can Work (kitces.com)Amusingly Inaccurate Unedited AI-Bot Summary:Unlock the secrets of smarter investing and redefine how you approach your portfolio with our latest episode of Risk Parity Radio. Ever wondered if your 401k rollover could be optimized for greater returns? We dive into a listener's question about achieving a 30% bond allocation, weighing the pros and cons of treasury versus municipal bonds. You'll discover insights into balancing tax implications and investment goals, while also considering the volatility of different bond types. Our conversation guides you toward a holistic view of your investment strategy, ensuring your portfolio aligns with your personal financial objectives.Challenging the status quo, we welcome guest Frank Vasco to dissect the perceived simplicity of target date funds. Could these popular investment vehicles be holding your growth potential back? Frank shares compelling findings from a 2022 study, revealing how TDFs might underperform significantly over decades. Even industry stalwarts like Vanguard aren't immune to these criticisms. With this in mind, we encourage you to critically evaluate your 401k plan choices, embracing a mindset of informed skepticism and strategic thinking.Finally, we examine the fascinating world of index funds and question traditional retirement withdrawal strategies. Drawing an analogy to betting on the entire Kentucky Derby, we explore how index funds offer diversification and often outperform active management. As you rethink retirement, we discuss utilizing Monte Carlo simulations to create flexible withdrawal strategies that adapt to changing circumstances. This episode is all about empowering you with financial literacy and the tools to challenge conventional wisdom, putting you in control of your future wealth.Support the show

Adam and Steve are live to answer your financial questions and bring the latest information on the market!

Leverage in real estate investing is often misunderstood because it can amplify both gains and losses.(I'll share real-world examples like Vornado and NexPoint.) Today's Stocks & Topics: CAN - CNA Financial Corp., Market Wrap, MCK - McKesson Corp., Understanding Leverage in Real Estate Investing, Bond Funds, RBB - RBB Bancorp, The Bond Market, JD - JD.com Inc. ADR, PIMIX - PIMCO Income Fund Institutional, China's Economy.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Miguel Laranjeiro, Investment Director at abrdn, says we are seeing "the beginning of a robust in-flow cycle into the muni space," noting that credit spreads and all-in yields are attractive and that the value of the tax exemption will particularly pay off now. He says he expects the Federal Reserve's long-awaited rate cuts will end the longest yield curve inversion ever for municipal bonds. Once the yield curve has normalized, Laranjeiro expects leverage costs to become a positive for the total return of levered muni funds, creating an additional impetus for investors.

In this week's podcast we talk about what's happening with bonds and why you should care. Over the past two years, we've seen dramatic shifts in the bond markets. Lots of investors and pension holders in Ireland have often large swathes of Bond Funds within their investment and pension portfolios. But often have never had clarity on what they are or why they move around a bit! It's been a bit of a rollercoaster, to put it mildly.  I hope it helps.

AI can enhance impact investing - investments generating social and environmental impact alongside financial returns - by improving data analysis, decision-making, and impact assessment. However, it's crucial to mitigate risks and align AI tools with core principles to avoid systemic biases. Today's Stocks & Topics: HDSN - Hudson Technologies Inc., Market Wrap, Dollar Cost Averaging, COWZ - Pacer U.S. Cash Cows 100 ETF, GE - GE Aerospace, AI in Finance: The Future of Impact Investing?, The KPP Premium Newsletter, Inflation and Job Market, INTC - Intel Corp., RCI - Rogers Communications Inc. Cl B, Key Benchmark Numbers and Market Comments for: Treasury Yields, Gold, Silver, Oil and Gasoline, United States Bureau of Mines, NAC - Nuveen California Quality Municipal Income Fund, Bond Funds.Our Sponsors:* Check out eBay Auto: www.ebay.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

What Is The Bond Market and What Are Bond ETFs? CPI is “cooling off” which means inflation is trending closer to the Fed's target, which means a rate cut MAY be in our future! What does that mean? Well if the Fed, you know, good ol "Papa Powell" who we keep talking about, well if they actually go through with cutting rates this is what happens. Interest rates for things like home loans get lower, but that means those high yield savings account rates also get lower. So where do you stash your cash and still get those great returns? Bonds. More specifically, we're looking at Bond ETFs. We've talked about different types of low risk investing on Ep. 31 about Brokerage CDs but we want y'all to know about all the ways you can make your money make money! Side Note Check out Jessica Inskip's most recent appearance on the ⁠Schwab Network Episode⁠ where her worlds collide. The Bond Market Ok, so apparently there is not only a stock market, but also a Bond market. Where do we begin? Need our listeners to know a few things:  You cannot time market, but you can prepare  We are not financial advisors, investing is personal. This is not that. We are here for educational and information purposes only.  OK, let's talk about what happened, and define the SEP - series of economic projections.  Most recent: https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20240612.pdf Different ways to lock in rates:  CDs Treasurys  Municipal Bonds  Corporate Bonds  Bond Funds  https://www.ishares.com/us/strategies/bond-etfs/build-better-bond-ladders Ratings Guide:  https://www.fidelity.com/learning-center/investment-products/fixed-income-bonds/bond-ratings#:~:text=Investment%20grade%20and%20high%20yield,rated%20Ba1%2FBB%2B%20and%20lower. Still Have More Questions or a Comment? 

In this episode we answer emails from Stuart, George and MyContactInfo.  We discuss a follow-up on another listener's accumulation portfolio, the foibles of trying to predict future interest rates and common fallacious reasoning, levered inverse treasury bond funds and other funds that do well in rising interest rate environments, and a follow up on our target date fund rant episode (#333).Links:Portfolio Visualizer Analysis of UPRO and synthetic alternatives:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)TestFol Analysis with an inverse treasury bond exposure:  testfol.ioSupport the Show.

This week's show covers Bill Gross' latest missive on total return bond funds, how to avoid gift tax limits, whole vs. term life, and lump-sum investing vs. dollar-cost-averaging.  Our producer is remodeling his studio, we'll be back with a new show May 24th.  

In this episode we answer emails from Kimbrough from Anchorage and anonymous Visitors from British Columbia and Denver.  We discuss fish hatching and slaughterhouses, long term treasury bond funds, the inherent problems and inefficiencies with many popular but inflexible withdrawal plans, and how we use our flexible 3-1-1 guidelines to match and maximize spending, fixing a cash hoarding problem and why you want a growth/value split in your stock allocations.Links:Security Analysis Podcast with Yours Truly:  Frank Vasquez: Risk Parity Investing Part 2 (securityanalysis.org)VSG's Weird Portfolio:  Weird Portfolio – Portfolio ChartsMerriman Best-In-Class ETFs:  Best-in-Class ETF Recommendations | Merriman Financial Education Foundation (paulmerriman.com)Merriman Podcast re Best-In-Class ETFs:  Best in Class ETF 2024 Updates (paulmerriman.com)Support the Show.

In this episode we answer emails from Andrew, Sean, and MyContactInfo.  We discuss QDSIX and other AQR funds and their approaches, good and bad uses of bond ladders, and macro-issues pertaining to projected global population declines in the future.And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:QDSIX fact page:  AQR Diversifying Strategies Fund - QDSIXBen Carlson Article on Bond Funds vs. Bond Ladders:  Owning Individual Bonds vs. Owning a Bond Fund - A Wealth of Common SenseNiall Ferguson Article:  Global Population Collapse Isn't Sci-Fi Anymore: Niall Ferguson - BloombergShock of Gray Book:  Shock of Gray: The Aging of the World's Population and How it Pits Young Against Old, Child Against Parent, Worker Against Boss, Company Against Rival, and Nation Against Nation by Ted C. Fishman | GoodreadsHans Rosling's Factfulness:  Factfulness: Ten Reasons We're Wrong About the World – and Why Things Are Better Than You Think by Hans Rosling | GoodreadsHans Rosling Video on Population: Why the world population won't exceed 11 billion | Hans Rosling | TGS.ORG (youtube.com)Hans Rosling Factfulness Video:  The mindset of factfulness | Hans Rosling | TGS.ORG (youtube.com)Happy Pod:  BBC World Service - Global News Podcast, The Happy Pod: The gift of sightPortfolio Charts Withdrawal Rates Article:  How to Harness the Flowing Nature of Withdrawal Rate Math – Portfolio ChartsPortfolio Charts Portfolio Matrix Comparison Tool:  Portfolio Matrix – Portfolio ChartsPortfolio Charts Portfolio Risk-Return Comparison Tool:  Risk And Return – Portfolio ChartsSupport the show

On this week's Money Matters, Scott and Pat explain where you can go to find out whether a financial advisor is legit. A caller with three adopted grandchildren asks whether his wife's Social Security benefit can replace death benefits the grandchildren are currently receiving. A retiree from Texas wants to know whether his portfolio has too much cash in it. Finally, Scott and Pat explain the advantages of wash sales, and help a caller decide whether to invest in bond funds.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Listener Q&A where Andy talks about: For those who have solo 401(k) plans, when having to file Form 5500EZ is requiredWhat's tax gain harvesting and when it's beneficialHow to select between online banks that offer high yield savings accountsBonds vs bonds funds and what should be considered when figuring out how to invest the bond portion of your portfolioLinks in this episode:My company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com