Podcasts about investment decisions guaranteed

Paul starts the podcast discussing the upcoming (July 13, 2024) presentation for AAII Puget Sound Chapter (9-10:30).  Chris Pedersen and Paul will present, “2 Investment Decisions Guaranteed to Change Your Financial Future. ”Here is a link for more information and to sign up for this presentation.  Here is the link to sign up.Today's podcast is a discussion of the latest research from Daryl Bahls, Director of Analytics for The Merriman Financial Education Foundation.  Paul believes these new tables are likely the best teaching tool he has found to give investors a realistic idea of the future sequence of returns.  While Paul focuses on several of the 20 slides in the attachment, more of these will be discussed next week with Daryl and Chris.Paul starts his discussion with his latest update of the Equity Asset Classes (1928-2023) table. He then explains why Daryl's Quilt Charts are a better way for investors to understand the sequence of returns they are likely to experience.Paul asks listeners to send him questions from the slide deck so they can be addressed in next week's podcast with Daryl and Chris.

The Fed – Is Powell throwing in the towel? AI – Profits spreading – lots of money to be made. Apple – dragged down by a new lawsuit. 90 years of evidence, this week's guest says this is the key asset class to own.. Paul Merriman is a nationally recognized authority on mutual funds, index investing, asset allocation and both buy-and-hold and active management strategies. Now retired from Merriman, the Seattle-based investment advisory firm he founded in 1983, he is dedicated to educating investors, young and old, through weekly articles at Marketwatch.com, and via free eBooks, podcasts, articles, recommendations for mutual funds, ETFs, 401(k) plans and more, at his website. In his retirement, Paul remains fervently committed to educating and empowering investors. In 2012, he wrote and published the “How To Invest” series, distilling his decades of expertise into concise investment books targeted to specific audiences “First-Time Investor: Grow and Protect Your Money,” “101 Investment Decisions Guaranteed to Change Your Financial Future,” and “Get Smart or Get Screwed: How To Select The Best and Get The Most From Your Financial Advisor.” Paul is also the author of four previous books on personal investing, including Financial Fitness Forever: 5 Steps To More Money, Less Risk and More Peace of Mind (McGraw Hill, Oct. 2011). The book was part of the “Financial Fitness Kit” offered on the TV show, “Financial Fitness After 50,” created exclusively to raise funds for local Public Broadcasting Service (PBS) stations. Check out the FREE Book - 12 Simple Ways to Supercharge Your Retirement Check this out and find out more at: http://www.interactivebrokers.com/ Looking to invest in The Disciplined Investor Managed Growth Strategy? Click HERE for the virtual tour. Stocks Menti0ned in the Episode: (ORCL), (MSFT), (AAPL), (MU), (NVDA), (VBR) Follow @andrewhorowitz

Paul looks at the guaranteed advantages of 10 different investment decisions.  He also challenges one of the oldest claims about our expectations for returns.  During the presentation he discusses the important differences between investment success and investor success.  He encourages all listeners to get the free pdf of Paul Heys book, “Spending Your Way to Wealth(s).” 

While the industry generally agrees the most important investment decision is your choice of asset allocation, Paul makes the case that the choice between being a do it yourself investor vs. hiring a professional advisor is much more impactful over a lifetime. Paul discusses the many challenges of both decisions and finishes by showing DIY investors what they should do to be sure they address all of the risks investors accept, with or without a professional advisor. Paul uses ChatGPT as the source to a number of lists. Paul also mentions free books: If You Can by William Bernstein We're Talking Millions — 12 Simple Ways To Supercharge Your Retirement 2-Funds for Life: a quest for simple and effective investing strategies 101 Investment Decisions Guaranteed to Change Your Financial Future Get Smart or Get Screwed: How To Select The Best and Get The Most From Your Financial Advisor  First Time Investor: Grow and Protect Your Money And for DYI investors to learn the most important investment decisions please visit:  https://paulmerriman.com/bootcamp-for-investors-2023/

Paul takes you “behind-the-scenes” to the work he and his foundation have been doing this year along with what is upcoming, including Chris Pedersen's new 2 Funds For Life book, Daryl Bahl's new tables and an exciting calculator in development to construct your own situation using our tables of historical data. And he addresses some frequently asked questions from young, mid-career and retired investors. Topics and Q&A include: · Our surprising most-popular video · Expectations for the ETF project by Chris Pedersen · Buying 10 years of retirement $3,650 · Lump sum vs. dollar cost averaging · Lifetime investment strategies · Dreaming of winning the lottery · How to determine your glide path · Target date fund considerations Suggested reading: 101 Investment Decisions Guaranteed to Change Your Financial Future.) This podcast is part of the educational offerings from The Merriman Financial Education Foundation, a registered 501(c)3. If you found value in this podcast, here are five ways to support the podcast and our foundation: 1) Leave a podcast review on your player of choice. 2) Sign up for our biweekly newsletter at PaulMerriman.com and receive a free pdf copy of We're Talking Millions! 12 Ways to Supercharge Your Retirement. 3) Use our M1 Finance affiliate link to set up a brokerage account and use our portfolio suggestions. If you fund your account with a minimum of $1,000, our foundation will receive a one-time affiliate fee — at no cost to you — which helps support our financial education projects. 4) Buy our latest book, We're Talking Millions! 12 Simple Ways To Supercharge Your Retirement available at Amazon and other online outlets. 5) Consider making a tax-deductible donation to the Foundation to support our mission to provide financial education to investors at all stages of life. Thank you!

In May, Paul Merriman, founder of The Merriman Financial Education Foundation, and Chris Pedersen, director of research, were guest presenters at two ChooseFI online events, via Facebook Live on May 9 and Zoom on May 16. On May 9 Chris and Paul made separate presentations: Paul on “12 Investment Decisions Guaranteed to Change Your Financial Future" and …

In May, Paul Merriman, founder of The Merriman Financial Education Foundation, and Chris Pedersen, director of research, were guest presenters at two ChooseFI online events, via Facebook Live on May 9 and Zoom on May 16. On May 9 Chris and Paul made separate presentations: Paul on “12 Investment Decisions Guaranteed to Change Your Financial Future" and Chris on “2 Funds for Life.” They were joined by Chief Analyst Daryl Bahls to answer questions. In a recent video/podcast Paul, Chris and Daryl addressed 15 questions that had not been answered during the presentation. In this video/podcast the trio address 17 more questions from the two presentations. 1. During retirement should you take money from the target date fund or the more risky small cap value fund? 2:34 2. My wife wants to know, why don’t you recommend mid-cap funds? 5:08 3. How should I invest RMDs if I don’t need the money to live on? 9:04 4. What is the best strategy for investing for my 4 children, ages 17, 5, 5 and 3? 11:47 5. Is the Vanguard High Yield (VWEAX) fund still a good retirement fund choice? 13:55 6. The media reports the stock market remains overvalued in spite of the recent crash. Why should I want to buy now if the the market is expected to drop even more? 16:36 7. Is there a reason REITS would not be part of the 4 Funds Strategy? 21:26 8. When do you think you will be updating the Best in Class ETFs for the Ultimate Buy and Hold? 23:57 9. Is the 4-Fund Strategy appropriate for a 60 year old investor? 27:00 10. If target date funds are funds of funds, does that mean they have two sets of fees? 32:38 11. When you say Vanguard is investor owned, what does that mean? 36:38 12. Is the comeback portfolio the same as the 4 fund combo? 40:00 13. Could you use a TDF plus the 4 Fund Combo instead of small cap value? How would that strategy likely perform? 41:16 14. Is the TDF based on retirement age or your life expectancy? 44:55 15. Given that small caps may struggle for the foreseeable future (due to the recent pandemic) should one focus more on large caps or is this the time to rebalance more heavily towards small caps as they are selling at a larger discount. 47:57 16. In any of your distribution scenarios in retirement, are you withdrawing cash to cover 2-3 years of expenses or simply withdrawing cash for current year living expenses? 53:54 17. I am intrigued by your 4-fund portfolio However, my respectful criticism of that portfolio is that it does not have any international exposure. There is a contributor on the Boglehead's forum who has supposedly done a series of backtesting and shown that the following combo has an identical long term returns as the UBH portfolio. The holdings: US LGB + US SCV + Intl LGV + Intl SCB. What are your thoughts on this portfolio? 59:26

DANIEL PERIS, Ph.D., CFA, is Senior Vice President and Senior Portfolio Manager at Federated Investors, Inc., in Pittsburgh where he oversees $20 billion dollars in equity portfolios the firm's dividend-oriented funds. Before transitioning into asset management, Peris was a historian focuses on modern Russian history. He is the author of two prior books in investing, The Strategic Dividend Investor, and The Dividend Imperative, and the new book Back to Business. During this episode, Daniel will talk about how you can bring some common sense back to your investing. He’ll speak on some old strategies that just don’t work anymore including why Modern Portfolio theory may not be the answer. Expect to learn how to achieve higher yields including tips to managing your Index funds, Mutual funds, and SMAs. Find out if you really need a financial advisor to get the most out of your investing and how to choose one properly. Listen to the end for insight into Sam Marks and Johnny FDs percent earnings and thought on incorporating this concept into their portfolio.   Where are we: Johnny FD & Sam Marks: Chiang Mai, Thailand Daniel Peris - Pittsburg, Pennslyvania   Links: Strategicdividendinvestor.com Federatedinvestors.com ILAB 25 – Paul Merriman: 12 Investment Decisions Guaranteed to Change Your Financial Future ILAB 94 – Why We Invest, Financial Freedom, and Selecting Base Locations   Book: Getting Back to Business: Why Modern Portfolio Theory Fails Investors and How You Can Bring Common Sense to Your Portfolio   Time Stamps: 06:06 - Managing $20 billion in equity portfolios 07:45 - Being interested in modern portfolio theory 11:01 - Modern Portfolio Theory vs Efficient Market Theory 16:41 - “You don’t have to believe in mean-variance optimization, Modern Portfolio Theory, to want to be a passive investor” - Daniel Peris 19:45 - Is the Modern Portfolio Theory failing investors? 20:33 - “This idea of mean-variance optimization simply doesn’t make sense in modern investing anymore”  - Daniel Peris 25:26 - Achieving higher yield 33:08 - Managing your Index funds, Mutual funds, and SMAs 36:55 - Dividend investing and tax bracket benefits 38:44 - Do you need a financial advisor to get high yields? 48:55 - “At the end of the day what really matters… is trust” - Daniel Peris 53:29 - Mutual funds to highlight 56:50 - The superior open approach 50 years from now 01:00:52 - Cashing out your dividends & calculating earnings Keywords: If you enjoyed this episode, do us a favor and share it! Also if you haven’t’ already, please take a minute to leave us a 5-star review on iTunes and claim your bonus here! Copyright 2018. All rights reserved. Read our disclaimer here.  

This special episode features Paul Merriman’s keynote address at Retiremeet North on May 5, 2018 in Everett, WA. Paul talks about the essential aspects of smart investing and what he calls the ten million-dollar decisions that investors make. These choices have to be made, either consciously or just by default and Paul is here to remind us of the importance of making these decisions carefully correctly to ensure a bright financial future. - The ten million-dollar decisions that one makes as an investor. - Picking a trustworthy advisor to aid you on your path to financial security. - Balancing stocks and bonds for the best returns and longevity. - Signing up for the rises and drops in the market and the returns over the long term. - Market timing as opposed to buying and holding. - The importance of planning and setting out a glide path. - The role of luck in the life of any investor. Real Investing Journal — [https://www.realinvestingjournal.com/](https://www.realinvestingjournal.com/) Vestory — [https://vestory.com/](https://vestory.com/) 401411 — [http://www.401411.com/](http://www.401411.com/) Vanguard — [https://investor.vanguard.com](https://investor.vanguard.com) Retiremeet North — [http://www.retiremeet.com/](http://www.retiremeet.com/) Paul Merriman — [https://paulmerriman.com/](https://paulmerriman.com/) Merriman — [http://www.merriman.com/](http://www.merriman.com/) _101 Investment Decisions Guaranteed to Change Your Financial Future_ — [https://paulmerriman.com/101-investment-decisions/](https://paulmerriman.com/101-investment-decisions/) Bessembinder — [https://wpcarey.asu.edu/people/profile/2717225](https://wpcarey.asu.edu/people/profile/2717225) General Motors — [https://www.gm.com/](https://www.gm.com/) SPIVA Report — [https://us.spindices.com/spiva/](https://us.spindices.com/spiva/) Morning Star — [http://www.morningstar.com/](http://www.morningstar.com/) John Bogle — [http://johncbogle.com/wordpress/](http://johncbogle.com/wordpress/)

The focus of this episode is the Roth account, as our hosts take a few calls on the subject and unpack the benefits for our listeners. Guest host, Paul Merriman lays out his ideas around really long term investing, for your grandchildren, and how to utilize the Roth IRA for this purpose. We also talk about picking strategies for multiple accounts and how much of an effect small choices make over the years with compounding interest. We also look forward to the fast approaching Retiremeet and Paul gives us a small idea of what to expect from his presentation. - Why to pick a Roth IRA over a 401(k). - Investing for your grandchildren with the a Roth IRA. - Deciding on levels of aggression for your investment strategy. - The widening difference that occurs with compounding interest. - Best practices for long term investing with regards to risk. - More reasons why we like the Roth IRA as a long term option. - Looking forward to the best and worst questions surrounding investments. - A taste of Paul Merriman’s Retiremeet topic. Money Thirty Podcast — [https://www.moneythirty.com/](https://www.moneythirty.com/) Real Investing Journal — [https://www.realinvestingjournal.com/](https://www.realinvestingjournal.com/) Vestory — [https://vestory.com/](https://vestory.com/) Paul Merriman — [https://paulmerriman.com/](https://paulmerriman.com/) Merriman — [http://www.merriman.com/](http://www.merriman.com/) 401411 — [http://www.401411.com/](http://www.401411.com/) Vanguard — [https://investor.vanguard.com](https://investor.vanguard.com) Retiremeet North — [http://www.retiremeet.com/](http://www.retiremeet.com/) MarketWatch — [https://www.marketwatch.com/](https://www.marketwatch.com/) Dwight David Eisenhower — [https://www.biography.com/people/dwight-d-eisenhower-9285482](https://www.biography.com/people/dwight-d-eisenhower-9285482) Dimensional Funds — [http://dfaus.com/](http://dfaus.com/) _101 Investment Decisions Guaranteed to Change Your Financial Future_ — [https://paulmerriman.com/101-investment-decisions/](https://paulmerriman.com/101-investment-decisions/)

Sam Marks from Invest Like a Boss planned a 30-minute interview, but he and Paul were having so much fun it lasted over an hour. Here is what Sam wrote about the interview: Paul Merriman is an internationally recognized authority on mutual funds, index investing, asset allocation modelling and buy-and-hold strategies. He has over …

Paul Merriman is an internationally recognized authority on mutual funds, index investing, asset allocation modelling and buy-and-hold strategies. He has over 50 years of investing and advising experience and we are stoked to be able to tap into his wealth of knowledge. Although Paul is “retired” he is as busy as ever, educating people of all ages on how to take investment decisions into their own hands. On this killer episode, we discuss one of his books “101 Investment Decisions Guaranteed to Change Your Financial Future” and break it down into the 12 top points. On each point, Paul explains the decision in detail and gives us advice on how to apply this practically to our own portfolios. This is a great episode for all levels of investing experience.   Relevant links: Pauls website - http://paulmerriman.com/   Recommended Books: Paul Merriman - 101 Investment Decisions Tony Robbins - Money Master of the Game   Discussed:  Five Steps to More Money, Less Risk and More Peace of Mind - https://youtu.be/P552ZhCxnrE   Time Stamp - Topic: 02:30 - Retirement home in Mexico 09:00 - How Paul started with finance 13:25 - Choosing to save vs. spend 20:26 - Making 16% interest on a CD 23:40 - Long term investing with stocks over bonds 29:40 - One stock vs. many stocks   33:20 - Stockbroker story selling 34:38 - Investing like a multi-millionaire 37:00 - Thoughts on Tony Robbins Money Master of the Game 40:15 - Personal picks or hire an expert 42:27 - Load funds vs. no-load funds   48:40 - Operating mutual funds with high expenses vs. low expenses   54:20 - High taxes, low taxes and no taxes with a Roth IRA / 401k 57:40 - Managing active and passive index funds 59:57 - Total market fund vs. Total market + value and small cap 1:02:30 - Using you select funds or target date funds 1:04:20 - 100% Target date funds vs. target date and adding small cap value 1:08:00 - Do you trust Wall Street, Main Street or University Street academics? 1:13:22 - Are international stocks necessary? 1:15:55 - Financial advisory hiring strategy 1:18:20 - Paul’s future asset allocation model

TOPICS COVERED: Guest Introduction: Paul Merriman, Retired Financial Advisor, Author, Approaching Asset Allocation Savings, Small vs. Large Companies, Value vs. Growth, Bonds

Paul Merriman is a nationally recognized authority on mutual funds, index investing, asset allocation and both buy-and-hold and active management strategies. Now retired from Merriman, the Seattle-based investment advisory firm he founded in 1983, he is dedicated to educating investors, young and old, through weekly articles at Marketwatch.com, and via free eBooks, podcasts, articles, recommendations for mutual funds, ETFs, 401(k) plans and more, at his website. Paul is also the author of multiple books on personal investing, including: Financial Fitness Forever: 5 Steps To More Money Less Risk and More Peace of Mind (McGraw Hill, Oct. 2011) Live It Up Without Outliving Your Money! Creating The Perfect Retirement First-Time Investor: Grow and Protect Your Money 101 Investment Decisions Guaranteed to Change Your Financial Future Get Smart or Get Screwed: How To Select The Best and Get The Most From Your Financial Advisor. This is Paul's first time on the show! He discusses with Jim various topics that include; How not to outlive your money, and common mistakes investors make.