Podcasts about morningstar

Sheryl Rowling positions income tax returns as diagnostic tools — not merely a compliance document — and outlines four common red flags that suggest a client failed to take advantage of proactive tax strategies. Here are "4 Tax Return Red Flags That Signal Poor Tax Planning": Very Low or Zero Taxable Income Charitable Giving After Age 70½ Without Using QCDs Donating Cash Instead of Appreciated Securities Holding Municipal Bonds in Low Tax Brackets For our listener question: "I'm in a job I hate and would love to scale back to something that could pay less but be more enjoyable -- how can I evaluate if that is possible?". Most people think the first question is: "How much do I have saved?", but that's actually backwards. I share a calculation for cash burn that matters more than your portfolio balance. And to wrap up the show in our "Retire to Something" segment, I'll share Jerry's story that shows us how retirement isn't about winding down — it's about doubling down on growth, adventure, and intentionally building an active, meaningful life.    Resource: Article by Sheryl Rowling on Morningstar: 4 Tax Return Red Flags That Signal Poor Tax Planning   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

In 1973, science fiction author Al Nussbaum wrote about a farmer on Mars whose daughter looks up at a twinkling star – Earth.

Nick Kunze from Sanlam Private Wealth breaks down the latest US jobs data, the move in oil, and Grindrod's latest results. Keith McLachlan of Element Investment Managers unpacks how food inflation hits retailers versus producers. Morningstar's Ryan Murphy joins us to discuss how investors can recognise – and manage – the behavioural biases that quietly shape investment decisions.

Mark and Shani runs through what it would take for the typical Aussie to replace their salary with passive income. You can find the full article here.Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here.A message from Mark and ShaniFor the past five years, we've released a weekly podcast to arm you with the tools to invest successfully. We've always strived to provide independent, thoughtful analysis, backed by the work of hundreds of researchers and professionals at Morningstar.We've shared our journeys with you, and you've shared back. We've listened to what you're after and created a companion for your investing journey. Invest Your Way is a book that focuses on the investor, instead of the investments. It is a guide to successful investing, with actionable insights and practical applications.The book is now available! It is also available in Audiobook format from most sellers.Purchase from Amazon or Purchase from BooktopiaTo submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Join us as we continue our "Anchors of Retirement Confidence" series, where we discuss four areas of retirement uncertainty plus strategies to replace your anxiety with clarity and control. In part 3, we explore why the biggest threat to your retirement isn't always market volatility, but the taxes you didn't see coming until it was too late.  In this episode, you'll learn:  How tax concentration quietly limits income flexibility The three core tax buckets every retiree should understand How Roth accounts help create control in an unpredictable tax system Real-life case studies showing why "textbook" strategies don't always work Today's article is from Morningstar titled, 8 Tips to Stop Worrying About Running Out of Money in Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/552

Tax day is quickly approaching, and it's time to get organized. New tax rules might make it worth your while to itemize rather than take the standard deduction this year. And don't just file away your 1099 forms—they can offer valuable insight into your portfolio's tax efficiency. Christine Benz, Morningstar's director of personal finance and retirement planning, discusses what you need to consider before, and after, you file. Morningstar's Tax-Planning and IRA Resources for 2026 On this episode: 00:00:00 Welcome 00:01:15 The "Procrastination Penalty" of Last-Minute IRA and HSA Contributions 00:02:35 How to Decide Whether to Itemize or Claim the Standard Deduction 00:04:18 Tips for Itemizing 00:05:37 Other Deductions You May Qualify For 00:07:45 Insights from Your 1099 Forms: Dividends  00:10:40 Insights from Your 1099 Forms: Capital Gains 00:09:39 Insights from Your 1099 Forms: Tax-Exempt Interest 00:12:35 How to Avoid Overpaying Your Taxes   Watch more from Morningstar: Avoid This IRA Distribution Error to Protect Your Retirement Cash  Elevate Your 60/40 Portfolio With These Simple Tweaks Why REIT ETFs Still Work as Real Estate Slumps   Follow Morningstar on social: Facebook https://www.facebook.com/MorningstarInc/ X https://x.com/MorningstarInc Instagram https://www.instagram.com/morningstarinc/?hl=en LinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you bought and held a mutual fund or ETF, what return should you earn—and why do some investors earn less? In this episode, we unpack the fascinating findings from Morningstar's Mind the Gap study and explore the difference between total returns and actual investor returns. You'll learn what the "investor return gap" is, why it exists, and how timing decisions, emotional reactions, and behavioral biases quietly erode performance over time. Take The Pilot Wealth Index to find out if you are on track for retirement! You can find show notes, resources and more at: https://tinyurl.com/bdd2tz84

Topics to include: Insured Retirement Institute (IRI) wants Congress to mandate lifetime income in 401k (really bro?), a deep look at 408b2 & 404a5, Fi360 (now Broadridge) vs RPAG vs Morningstar, How much money are Recordkeepers and Advisors making? a review of PLANADVISER's Adviser Value Survey, Fintok, Texas Tips and more....

Morningstar's William Kerwin has a five-star rating on Marvell (MRVL) off what he calls "great" earnings and "even better" guidance. However, William believes Marvell remains a small fish in an "excessively large pond." Stephen Sopko says Marvell is positioning itself to be similar to Nvidia's (NVDA) hypergrowth story from the first half of the 2020s. He sees the company capitalizing on a "tight niche" through hyperscaler customers.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Costco (COST) posted a strong earnings report, though Morningstar's Brett Husslein believes the stock is overvalued. He talks about potential disruptions to the business which he sees impacting profitability. Brett does expect customer retention and loyalty to continue, something he expects to offer a strong foundation for value. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

SOS - Dreams - Invitation to IntimacyFile Size: 41454 kbFile Type: mp3Download File [...]

AI hype is colliding with financial reality. Don and Tom examine Elon Musk's suggestion that artificial intelligence could create such abundance that retirement savings might become unnecessary. They unpack the economics behind universal basic income, including the staggering cost—even a modest payment would require trillions in new revenue—and explain why most Americans aren't betting their futures on Silicon Valley promises. The episode also answers listener questions about confusing target-date fund holdings, what to do with an overfunded 529 plan, and how to reduce taxable investment distributions by placing assets in the right accounts. Along the way they revisit lessons from past technological revolutions, discuss the importance of work beyond income, and continue their campaign against the scourge of gas-powered leaf blowers. 0:04 AI panic and Elon Musk's claim that AI could make retirement savings unnecessary. 1:52 Musk's vision of AI-driven abundance and universal income replacing traditional retirement planning. 3:36 The practical question: who actually pays for universal income checks? 5:30 Historical tax rates in the 1960s vs. today's marginal tax structure. 6:21 Survey shows 94% of readers still plan to save despite AI predictions. 7:17 Boston College researchers warn Musk's comments send a dangerous retirement message. 8:23 Why universal basic income would require major government policy and taxes. 8:45 Past technology revolutions didn't distribute wealth evenly. 9:27 Why humans need work for purpose, not just income. 10:33 The math problem: even $1,000/month UBI would require about $3.1 trillion annually. 11:54 Historical comparison to the Luddite era and displaced workers. 13:18 Listener question: What “short-term debt and net other assets” mean in a Fidelity target-date fund. 17:38 Listener question: Overfunding a 529 plan and potential Roth rollover strategies. 20:45 Listener question: Using Vanguard Tax-Managed Balanced Fund to reduce taxable distributions. 23:28 Asset location strategy: placing bonds in IRAs and stocks in taxable accounts. 24:49 Where to easily find mutual fund returns using Morningstar. 25:46 Tom's Scottsdale advisory meetings announcement. 26:45 The crusade against gas-powered leaf blowers. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most retirement plans assume your spending will stay flat, or that you will need about 80 percent of your pre-retirement income. But retirement does not actually work that way. In this episode, Tyler Emrick, CFP®, CFA®, explains what the research shows about how retirement spending changes over time and why relying on outdated rules like the 80 percent rule can lead to over-saving and under-living or under-planning altogether. Drawing on research from David Blanchett's Retirement Spending Smile, Morningstar data, and EBRI studies, Tyler covers: Why retirement spending is not a straight line How spending often declines in mid-retirement and rises again later The Go Go, Slow Go, and No Go phases of retirement How fear of running out of money causes many retirees to under-spend A practical way to estimate your real retirement spending needs   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

Send a textPower dazzles when it climbs fast, but Scripture keeps asking what holds it up. We open with a gut-check on loyalty—pray for the nation, yes, but don't mistake it for home—and name the modern pull to worship politicians and celebrate celebrity as if either could save us. From there we step into Job, listening as Zophar sketches the wicked whose glory seems to touch the clouds, only to vanish in a breath. It's a portrait we recognize today: talent crowned as virtue, charisma confused for calling, and success read as proof of righteousness.We then hold that image next to Isaiah 14, where the taunt against the king of Tyre exposes the lie of self-exaltation. This is where we slow down, open the text, and confront a widespread assumption: the lone appearance of the term “Lucifer” addresses a human ruler, not Satan. That correction isn't just trivia; it's a call to be careful readers who refuse to trade Scripture for slogans. When we get sloppy with the easy stuff, we grow vulnerable to anyone who speaks confidently while saying little that is true.With that lens, we track how counterfeit light works. Satan masquerades as an angel of light, and our age makes it easy to mistake the glow of attention for the grace of God. We talk about Babel as a blueprint for self-worship, about friends who arrive as helpers but feed on someone's fall, and about the way Job's friends use half-true wisdom to press a false verdict. The thread through it all is simple and searching: no height is secure unless it is built by righteousness, and no critique is safe unless it bows to God's sovereignty.What sets us free is the confession Job anchors everything to: “I know that my Redeemer lives.” The true Morning Star does not posture; He descends, serves, and raises the humble. That is the light children of light follow—steady when fame flickers, strong when headlines shout. If this episode sharpened your thinking or nudged you back to the text, share it with a friend, subscribe for more, and leave a review with one belief you're ready to fact-check against Scripture.RISE RADIOEach week we discuss some of the most important issues we face in our society today.Listen on: Apple Podcasts SpotifySupport the showBE PROVOKED AND BE PERSUADED!

This week is part one with Liz Cameron, survivor of South Korean religious sect Jesus Morning Star (aka JMS, aka Providence), and author of Cult Bride: How I Was Brainwashed – and How I Broke Free. She explains how her entry into JMS began with being approached by a woman in a bookstore for a harmless survey, and how that survey turned into a bible study group full of women who gained her trust and introduced her to their new and exciting Christian church.Liz shares how the group began encouraging her to spend more and more time together and get up earlier and earlier, and how they painted her old church, community, and even family as people who weren’t dedicated enough to Jesus–all as they slowly introduced the idea of an incredibly spiritually devoted man they called Pastor Joshua.Next week: we’ll get into how they began to reveal who Pastor Joshua really was (hint: his name was Jung Myung-seok), his criminal history, and how a god on earth could be sitting in a prison in Korea. SOURCES Cult BrideSee omnystudio.com/listener for privacy information.

Konstanza Morning Star is a spiritual medium and intuitive known for offering guidance through what she describes as communication with the spirit world. Her work focuses on helping individuals find comfort, clarity, and personal insight through intuitive perception and spiritual awareness. Morning Star emphasizes compassion, emotional understanding, and the idea that spiritual connection can support healing, reflection, and personal growth.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-x-zone-radio-tv-show--1078348/support.Please note that all XZBN radio and/or television shows are Copyright © REL-MAR McConnell Meda Company, Niagara, Ontario, Canada – www.rel-mar.com. For more Episodes of this show and all shows produced, broadcasted and syndicated from REL-MAR McConell Media Company and The 'X' Zone Broadcast Network and the 'X' Zone TV Channell, visit www.xzbn.net. For programming, distribution, and syndication inquiries, email programming@xzbn.net.We are proud to announce the we have launched TWATNews.com, launched in August 2025.TWATNews.com is an independent online news platform dedicated to uncovering the truth about Donald Trump and his ongoing influence in politics, business, and society. Unlike mainstream outlets that often sanitize, soften, or ignore stories that challenge Trump and his allies, TWATNews digs deeper to deliver hard-hitting articles, investigative features, and sharp commentary that mainstream media won't touch.These are stories and articles that you will not read anywhere else.Our mission is simple: to expose corruption, lies, and authoritarian tendencies while giving voice to the perspectives and evidence that are often marginalized or buried by corporate-controlled media

Our guest on the podcast today is David Bach. David is the author of 12 national bestselling books, including The Latte Factor; Smart Women Finish Rich; Start Late, Finish Rich; and The Automatic Millionaire. He just released the 20th anniversary edition of The Automatic Millionaire. David was a longtime contributor to NBC's Today show and a featured guest on the Oprah Winfrey Show. He also produced and hosted two public television specials, Smart Women Finish Rich and The Automatic Millionaire. David started his career at Morgan Stanley where he was a senior vice president and partner of The Bach Group. Episode Highlights 00:00:00 Moving Abroad, Early Retirement, and the Shifting Media Landscape 00:11:46 The Importance of Sabbaticals and Health Expectancy 00:19:39 Saving to Spending, New Tax on IRA Withdrawals, and Long-Term Effect of Deficits 00:34:39 Key Updates to The Automatic Millionaire and Automatic Contributions 00:37:59 Why Everyone Needs Access to Being an Investor 00:42:02 How to Start Investing Young and How to Catch Up Later in Life 00:47:26 How Inflation Affects Retirement Goals and The Benefits of Homeownership More From Morningstar 6 Lessons From My 6-Week Mini-Retirement The Best Strategies for Consistent Retirement Spending 7 Steps to Estimating Your In-Retirement Cash Flow Needs If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, we continue our series, "Letters to the Church." Join us as we learn that the call to repentance is not indefinite.

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Mark runs through how he decided to change his super and what he changed it to.You can find the full article here.Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here.A message from Mark and ShaniFor the past five years, we've released a weekly podcast to arm you with the tools to invest successfully. We've always strived to provide independent, thoughtful analysis, backed by the work of hundreds of researchers and professionals at Morningstar.We've shared our journeys with you, and you've shared back. We've listened to what you're after and created a companion for your investing journey. Invest Your Way is a book that focuses on the investor, instead of the investments. It is a guide to successful investing, with actionable insights and practical applications.The book is now available! It is also available in Audiobook format from most sellers.Purchase from Amazon or Purchase from BooktopiaTo submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Did you know there’s nearly $2.1 trillion in forgotten 401(k) and retirement accounts scattered across the United States? On this episode of The Financial Hour of The Tom Dupree Show, hosts Tom Dupree, Mike Johnson, and James Dupree tackle what they call America’s abandoned 401(k) crisis — and lay out a clear path for recovering lost retirement savings before it’s too late. With the average American staying at an employer for just 3.9 years, it’s no surprise that old 401(k) accounts get left behind. But those forgotten dollars represent real retirement income that could be working harder for you right now. Whether you’re in your thirties with scattered accounts or approaching retirement with assets spread across multiple former employers, the team at Dupree Financial Group explains why consolidating your retirement accounts into a personalized investment management strategy could be one of the most important financial decisions you make. Why Abandoned 401(k) Accounts Are Costing You More Than You Think The problem goes deeper than simply losing track of an old account. As Mike Johnson explained during the episode, there are two distinct sides to this crisis. The first is accounts that people genuinely forget about — they leave a job, move to a new city, and a 401(k) with a few thousand dollars slips through the cracks. The second, and far more common scenario, is when people know they have old accounts scattered around but never get around to consolidating them. “You have all these various pieces scattered around. You haven’t forgotten about them — they’ve just been sitting there. And there’s really no clear plan, no management, anything like that.” — Mike Johnson The costs of inaction add up quickly. Old employer plans charge administration fees and internal fund expenses that steadily eat away at your balance. Without active management, your investments may have been moved to money market funds or stable value options without your knowledge — meaning you’ve potentially lost years of compounding growth. Tom Dupree put it simply: “Money that’s together is better managed.” The Hidden Costs of Scattered Retirement Accounts Beyond the obvious risk of forgetting an account entirely, keeping retirement savings spread across multiple former employers creates a series of compounding problems. Fees erode your balance. Plan administration costs and internal fund fees are deducted from accounts whether you’re contributing or not. Over time, a dormant account can lose significant value to expenses alone. Opportunity cost is real. An old 401(k) sitting in a bond fund or money market account for 20 years has missed potentially decades of growth. As Mike Johnson noted: “How much did you leave on the table by just leaving it on autopilot?” Logistics become a nightmare at retirement. Multiple accounts mean multiple logins, multiple statements, and multiple required minimum distributions to calculate and manage once you reach age 73. No cohesive investment strategy. Without consolidation, there’s no way to ensure your overall allocation reflects where you are in life — whether that’s aggressive growth in your thirties or income-focused positioning as you approach retirement. Plan changes happen without you. Third-party administrators regularly swap out fund options within employer plans. If you’re not watching, your money may end up in an investment that no longer fits your goals. How to Find Your Lost 401(k) Accounts If you think you may have retirement money sitting somewhere you’ve forgotten about, there are several ways to track it down. Mike Johnson walked listeners through the key resources available. Contact your former employer. This is the most direct route. Many companies can tell you whether you still have a balance in their retirement plan and connect you with the plan administrator. Use the federal government’s search tool. In 2024, the Department of Labor launched lostfound.dol.gov, a searchable database specifically for private, non-governmental employer plans. You can search by Social Security number to locate plans connected to your work history. Check state unclaimed property databases. Some abandoned retirement assets may have been turned over to your state’s unclaimed property division, which maintains searchable records. The statistic is striking: 54% of savers don’t know where their old 401k is, and 61% don’t know their login credentials. If that sounds familiar, you’re far from alone — and the solution is more straightforward than most people realize. Your Four Options for an Old 401(k) (And Which One Actually Makes Sense) Once you’ve located an old retirement account, you have four choices. Mike Johnson broke them down clearly during the episode. Option 1: Leave it where it is. This is the easiest path — and almost always the worst one. The account sits unmanaged, accumulating fees with no investment strategy behind it. As Mike put it, this makes sense “0.00001% of the time.” Option 2: Roll it into your new employer’s 401(k). Better than leaving it behind, but still limiting. Most employer plans offer only 20 to 30 investment options, with many being target-date or broad index funds that may not fit your specific situation. Option 3: Cash it out. If you’re under 59½, you’ll face penalties and taxes. Even above that age, cashing out means losing the tax-advantaged compounding that makes retirement accounts so powerful. This should generally be a last resort. Option 4: Roll it into a professionally managed IRA. This is the approach the Dupree Financial Group team recommends for most people. An IRA gives you access to individual securities, ETFs, mutual funds, and a fully customized investment philosophy tailored to your goals and timeline. There are no tax consequences for a direct rollover, and you gain the ability to build a cohesive plan across all your retirement assets. The Power of Roth Conversions for Younger Savers One of the episode’s most actionable takeaways was Mike Johnson’s advice for younger workers with small, stranded 401(k) accounts. “If you’re in your twenties or thirties and you have some small legacy 401(k) stranded accounts, you can move that to an IRA and it would probably make sense to convert that to a Roth while you’re in a lower tax bracket.” — Mike Johnson The math is compelling. Pay a small tax bill now on a relatively modest balance, and that money compounds tax-free for the next 30 or more years. The team also discussed how Roth conversions were particularly powerful during the 2008–2009 financial crisis, when account values were depressed — converting low balances meant paying taxes on less and then watching all the recovery growth accumulate tax-free. For those closer to retirement, gradual Roth conversions can still make sense. The strategy involves filling up your current tax bracket with conversions each year, reducing future required minimum distributions and creating tax-free income in retirement. Tools like Morningstar’s retirement planning resources can help you model how different conversion amounts affect your long-term tax picture. In-Service Rollovers: A Strategy for Workers Over 59½ If you’re still working but have reached age 59½, you may have an option many people don’t know about: the in-service rollover. Most employer plans allow participants who are 59½ or older to move existing assets out of the 401(k) and into an IRA — while continuing to make contributions and collect any employer match in the plan. This means you can begin building an income-focused portfolio years before you actually retire. “At 59 and a half, you roll it to an IRA and then you’re preparing for retirement… you get that income stream rolling so that machine is now working.” — Mike Johnson The Dupree Financial Group team structures these rollovers around their dividend-focused investment approach, building portfolios of quality companies that generate consistent income. By the time you retire, the transition is seamless — your portfolio is already generating dividends, your relationship with your advisor is established, and linking your IRA to your checking account for retirement income is as simple as flipping a switch. Why Compounding Favors Those Who Start Now James Dupree brought a generational perspective to the conversation, noting that while younger workers may understand the concept of compounding better than previous generations, many still haven’t taken action on it. Tom Dupree shared a perspective from his 47 years in the investment business: “Everybody who’s got a large account — it started with a small one. That’s how it works.” The team emphasized that the size of your starting balance matters far less than getting that money working for you under professional management. A few thousand dollars left in an old 401(k), properly invested and compounded over 20 or 30 years, could grow into a meaningful piece of your retirement income. James illustrated the point with a personal example — calculating how much his girlfriend could accumulate by investing the daily savings from making espresso at home instead of buying Starbucks. The numbers were eye-opening, and the principle applies directly to abandoned retirement accounts sitting idle. Key Takeaways From This Episode Nearly $2.1 trillion in retirement savings is sitting in forgotten or unmanaged accounts across the U.S. Dormant 401(k) accounts lose value through hidden fees, opportunity costs, and unmonitored investment changes. The federal government’s lostfound.dol.gov database can help you locate old employer plans. Rolling old 401(k) accounts into a professionally managed IRA provides more investment options, lower fees, and a cohesive retirement strategy. Roth conversions on small, stranded accounts can be especially powerful for younger workers in lower tax brackets. In-service rollovers at age 59½ let you begin building retirement income while still working and collecting your employer match. Consolidating scattered retirement assets into one managed portfolio allows for coordinated tax planning, income generation, and a smoother transition into retirement. Frequently Asked Questions How do I find out if I have an old 401(k) from a previous job? Start by contacting former employers directly. You can also search the Department of Labor’s database at lostfound.dol.gov, which was launched in 2024 specifically for locating private employer retirement plans. State unclaimed property databases are another resource worth checking. Is there a tax penalty for rolling over a 401k to an IRA? No. A direct rollover from a pre-tax 401(k) to a traditional IRA has no tax consequences. Similarly, Roth 401(k) assets can roll to a Roth IRA without triggering taxes. The key is ensuring the rollover is done directly — trustee to trustee — rather than taking a distribution and redepositing. The IRS rollover chart outlines exactly which account types can transfer into which. What is an in-service rollover? An in-service rollover allows employees who are 59½ or older to transfer assets from their current employer’s 401(k) into an IRA while still working and contributing to the plan. This lets you begin building a managed retirement portfolio before you actually retire. Why shouldn’t I just leave my old 401(k) where it is? Dormant accounts accumulate plan administration fees and internal fund costs without any active management. Investment options may change without your knowledge, and the money isn’t aligned with your current financial goals or retirement timeline. What’s the difference between a 401(k) and an IRA for investment options? A 401(k) typically offers 20 to 30 investment choices selected by your employer’s plan administrator, usually mutual funds and target-date funds. An IRA gives you access to individual stocks, bonds, ETFs, mutual funds, and other securities — allowing for a fully customized investment strategy. Should I convert my old 401(k) to a Roth IRA? It depends on your current tax bracket versus your expected bracket in retirement. If you’re in a lower bracket now — especially if you’re younger — converting to a Roth allows all future growth to compound tax-free. The team at Dupree Financial Group can help you evaluate whether a conversion fits your specific situation. Schedule Your Complimentary Portfolio Review Have you worked for multiple employers over the years? You may have retirement money sitting in old 401(k) accounts that could be working harder for you. The team at Dupree Financial Group can help you locate scattered retirement assets, evaluate your options, and build a consolidated, income-focused portfolio designed for where you are in life right now. No obligation. No products to sell. Just an honest look at your situation. Call (859) 233-0400 or visit dupreefinancial.com/book to schedule your complimentary consultation. Listen to more episodes of The Financial Hour → Dupree Financial Group is a registered investment advisor. All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. This content is for informational purposes only and should not be considered personalized investment advice. Please consult with a qualified financial professional before making any investment decisions. The post The 2 Trillion Dollar Problem: How to Find and Recover Your Abandoned 401k Accounts appeared first on Dupree Financial.

A distribution from your traditional IRA could cost you if you're not aware of your responsibilities. Many investors are saving up for their retirement in workplace accounts like 401(k)s. Those administrators handle tasks that IRA custodians don't. And it's up to you to take charge and keep track of your hard-earned money, so you're not taxed twice. Denise Appleby is known as “The IRA Whisperer.” The Morningstar contributor has written about how to protect your IRA from costly mistakes. Don't Pay Taxes Twice: Here's How to Save Thousands on IRA Distributions https://www.morningstar.com/personal-finance/dont-pay-taxes-twice-heres-how-save-thousands-ira-distributions On this episode: 00:00:00 Welcome 00:01:28 What is a Traditional IRA and How It's Funded 00:02:29 How IRA Withdrawals Are Taxed When Accounts Hold Taxable and Tax-Free Dollars 00:05:36 What IRA Custodians Don't Track and Why Investors Should  00:09:05 What to Check on Form 1099‑R and Why Form 8606 Matters 00:12:02 How to Fix IRA Mistakes 00:13:44 What Records to Keep Track of to Avoid Double Taxation   Watch more from Morningstar: Elevate Your 60/40 Portfolio With These Simple Tweaks Why REIT ETFs Still Work as Real Estate Slumps How to Make the Most of Your IRA in 2026   Follow Morningstar on social: Facebook https://www.facebook.com/MorningstarInc/ X https://x.com/MorningstarInc Instagram https://www.instagram.com/morningstarinc/?hl=en LinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

February 2026 Sustainable Stock and ETF Picks. Includes an article on the most sustainable companies by sustainable revenues, and more. By Ron Robins, MBA Transcript & Links, Episode 164, February 27, 2026 Hello, Ron Robins here. Welcome to my podcast episode 164, published on February 27, 2026, titled "February 2026 Sustainable Stock and ETF Picks." This podcast is presented by Investing for the Soul. Investingforthesoul.com is your go-to site for vital global, ethical, and sustainable investing mentoring, news, commentary, information, and resources. Remember that you can find a full transcript and links to content, including stock symbols and bonus material, on this episode's podcast page at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, and I don't receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal any investments I have in the investments mentioned herein. I have a huge crop of 20 articles for you in this podcast! Note: Some companies are covered more than once. Now with so many articles to potentially cover, I've chosen 3 to quote from. The other 17 can be found on the webpage for this podcast edition, along with their titles and links. ------------------------------------------------------------- Clean200 companies hit $2.8 trillion in sustainable revenues I'm starting this episode with one of my favourite rankings. It's titled the Clean200 companies hit $2.8 trillion in sustainable revenues on corporateknights.com. The introduction is by CK Staff. Here are some quotes from the introduction. "Since 2016, the shareholder-advocacy non-profit As You Sow and Corporate Knights have zeroed in on total sustainable revenues at public companies worldwide in order to show both the share and scale of sustainable revenues in absolute terms. 'The Clean200 follows revenues, not rhetoric,' Toby Heaps, CEO of Corporate Knights and report co-author, said in a statement. 'Even when politics turns hostile, markets continue to reward companies that are supplying what the global economy is structurally demanding – clean power, electrification, efficiency, and resilient infrastructure'… On average, more than half the revenue (53.7%) at Clean200 companies is sustainable… whereas companies in the MSCI All Country World Index (ACWI) generate only 16.7% of their revenue from sustainable activities… From July 1, 2016, to January 26, 2026, the Clean200 portfolio returned 282.9%, compared with 221.3% for the MSCI ACWI. The fossil fuel benchmark, meanwhile, returned a much slimmer 111%... Methodology The Clean 200 is selected from 8,229 eligible companies, of which 103 were excluded. The list employs a wide range of negative screens to exclude: for example, fossil-fired utilities or big banks and insurers financing fossil fuel companies, as well as for-profit prisons, weapons makers and others… The United States and China have 69 companies on the list between them, 41 and 28 respectively. Five years ago, the United States had 46 companies on the list, and China had 17, which suggests a subtle but marked rebalancing trend. About half the list consists of 'middle power' countries: Japan (15), France (12), Canada (11), Germany (11), Spain (8), Brazil (8), South Korea (7), Denmark (7), United Kingdom (5), Sweden (5) and India (5). Sixteen other countries share the remaining 14.5% of the list, underscoring how widely distributed the clean‑economy opportunity has become." End quotes. The top five companies are Apple Inc. (AAPL), Amazon.com Inc. (AMZM), Microsoft Corp. (MSFT), Tesla Inc. (TSLA), and Contemporary Amperex Technology Co. Ltd. (C7A0.DU ). However, I suggest investors also look at the 'pure-play' companies, those with the highest sustainable revenue ratio! ------------------------------------------------------------- The Best Sustainable Funds and ETFs to Buy This second article is from one of the top investment sites and is titled The Best Sustainable Funds and ETFs to Buy on morningstar.com. It's by a well-respected analyst and writer, Leslie P. Norton. She compiled some comments from two analysts. Here are some quotes from her article. "We screened for the lowest-cost primary share classes with a Medalist Rating of Gold and 100% analyst coverage. All the funds on the list carry the ESG Intentional Investment tag and have at least $100 million in assets. All data is as of Feb. 3. Because the screen was created with the lowest-cost share class for each fund, some may be listed with share classes that are not accessible to individual investors outside of retirement plans, or they may be aimed at institutional investors and require large minimum investments. The individual investor versions of those funds may carry higher fees, reducing returns to shareholders. Medalist Ratings may differ among the share classes of a fund. Morningstar expects the highly rated sustainable funds on this list to outperform their peers over a full market cycle. But though all these funds fall under the same theme, they may practice different strategies and behave differently. Investors need to do their homework to understand exactly what a particular fund invests in before buying. 1) Boston Trust SMID Cap Fund (BTSMX) by Eric Schultz, analyst Fund Size: $746.4 million Morningstar Category: US Fund Mid-Cap Blend Morningstar Medalist Rating: Gold Prospectus Net Expense Ratio: 0.75% Morningstar assigns… a High rating to its parent company, Boston Trust Walden… The $746.4 million fund has gained 0.49% over the past year, while the average fund in its category is up 9.56%. The fund, launched in November 2011, has climbed 5.60% over the past three years and 7.63% over the past five. The managers focus on identifying strong small- and mid-cap businesses with durable and predictable earnings profiles that also have reasonable valuations… The strategy has recently trailed the Russell 2500 benchmark as the rally after early April 2025 was led by lower-quality businesses that the strategy typically avoids, as they tend to underperform higher-quality businesses over longer periods. Read Morningstar's full report on the Boston Trust SMID Cap Fund. 2) Boston Trust Walden Small Cap Fund (BOSOX) by Eric Schultz, analyst Fund Size: $1.1 billion Morningstar Category: US Fund Small Blend Morningstar Medalist Rating: Gold Prospectus Net Expense Ratio: 1.00% This $1.1 billion fund has lost 1.88% over the past year, while the average fund in its category is up 11.16%. The Boston Trust Walden fund, launched in December 2005, has climbed 4.01% over the past three years and 7.01% over the past five. The strategy (which has an impact mandate) focuses on identifying strong small-cap businesses with durable and predictable earnings profiles that also have reasonable valuations… The strategy's long-term performance was impressive. From the mutual fund's December 2005 inception through July 2025, total and risk-adjusted returns on its sole share class beat the category average and Russell 2000 Index by wide margins. Read Morningstar's full report on the Boston Trust Walden Small Cap Fund. 3) PIMCO Enhanced Short Maturity Active ESG Exchange-Traded Fund (EMNT) by Paul Olmsted, senior analyst Fund Size: $211.1 million Morningstar Category: US Fund Ultrashort Bond Morningstar Medalist Rating: Gold Prospectus Net Expense Ratio: 0.24% Morningstar assigns a High rating to the PIMCO Enhanced Short Maturity Active ESG Exchange-Traded Fund management team and an Above Average rating to its parent company, PIMCO… The $211.1 million fund has gained 4.65% over the past year, while the average fund in its category is up 4.72%. The PIMCO fund, launched in December 2019, has climbed 5.27% over the past three years and 3.22% over the past five. Veteran leadership, specialized short-term expertise, effective collaboration, and a time-tested process makes Pimco Enhanced Short Maturity Active ESG ETF a best-in-class selection among ultrashort bond peers… While the ETF extensively uses derivatives, Pimco has consistently proved its ability to manage these instruments effectively. Read Morningstar's full report on the PIMCO Enhanced Short Maturity Active ESG Exchange-Traded Fund." End quotes. ------------------------------------------------------------- Green ETFs to Watch as Global Energy Transition Investment Crosses $2T My third article is titled Green ETFs to Watch as Global Energy Transition Investment Crosses $2T on theglobeandmail.com. It's by Zacks Investment Research. "1. iShares Global Clean Energy ETF (ICLN) This fund, with net assets worth $2.17 billion, offers exposure to 102 companies that produce energy from solar, wind, and other renewable sources. Its top three holdings include: Bloom Energy (BE) (10.91%), a fuel cell technology proprietor, Nextpower (NXT) (9.63%), a smart solar tracker manufacturer, and First Solar (FSLR), a prominent solar panel producer.  iShares Global Clean Energy ETF has surged 66.8% over the past year. The fund charges 39 basis points (bps) as fees. 2. ALPS Clean Energy ETF (ACES) This fund, with net assets worth $122.9 million, offers exposure to a diverse set of U.S. and Canadian companies involved in the clean energy sector, including renewables and clean technology. Its top three holdings include Albemarle Corp. (ALB) (6.60%), a supplier of critical lithium compounds used in energy storage batteries; Nextpower (NXT) (5.94%); and Enphase Energy (ENPH) (5.80%), a leading manufacturer of solar microinverters that also provides energy storage management solutions. ALPS Clean Energy ETF has soared 44.3% over the past year. The fund charges 55 bps as fees. 3. Invesco WilderHill Clean Energy ETF (PBW) This fund, with a market value worth $784.4 million, offers exposure to 63 stocks of companies that are publicly traded in the United States and engaged in the business of advancing cleaner energy and conservation. Its top three holdings include Bloom Energy (BE)(2.41%), Lithium Argentina (LAR) (2.22%), a significant developer and producer of lithium projects, and Lifezone Metals LZM (2.11%), which uses its proprietary Hydromet Technology to produce lower-carbon metals. Invesco WilderHill Clean Energy ETF has rallied 82.8% over the past year. The fund charges 64 bps as fees. 4. SPDR S&P Kensho Clean Power ETF (CNRG) This fund, with assets under management (AUM) worth $215.3 million, offers exposure to 43 companies whose products and services are driving innovation behind the clean energy sector, which includes the areas of solar, wind, geothermal, and hydroelectric power. Its top three holdings include: Bloom Energy (BE) (4.08%), T1 Energy (TE) (3.85%), an energy solutions provider, and Nextpower (NXT) (3.35%).  SPDR S&P Kensho Clean Power ETF has rallied 67.3% over the past year. The fund charges 45 bps as fees." End quotes. ------------------------------------------------------------- More articles from around the world with Sustainable Investment Picks for February 2026. 1. Title: Top Wind Energy Stocks Worth Investing Now For Solid Returns on nasdaq.com. By Avisekh Bhattacharjee for Zacks. 2. Title: This Overlooked AI Infrastructure Stock Could Transform $1,000 Into Life-Changing Wealth on nasdaq.com. By Manali Pradhan. 3. Title: AI Energy Demand Stock Plays: BE, TE, CWEN, AMPX, BW on marketbeat.com. By Ryan Hasson, reviewed by Shannon Tokheim. 4. Title: Afraid the AI Boom Is Overheated? This Infrastructure Play Is Your Safety Net on finance.yahoo.com. By Stefon Walters, The Motley Fool. 5. Title: 3 of the most popular ethical/ESG ASX ETFs in 2026 on fool.com.au. By Aaron Bell. 6. Title: How OpenAI's Revenue Growth Could Make These 3 AI Infrastructure Stocks Winners in 2026 on fool.com. By Adam Levy. 7. Title: The Secret AI Infrastructure Stock That Could Turn $1,000 Into a Fortune on nasdaq.com. By Manali Pradhan for The Motley Fool. 8. Title: The $1.4 Trillion AI Infrastructure Boom: 3 Stocks to Buy This Year on fool.com. By James Hires. 9. Title: Top Four AI Beneficiary Stocks to Buy Now on intellectia.ai. By Emily J. Thompson. Continuing 10. Title: Ten companies leading Latin America's energy transition on corporateknights.com. By CK Staff. 11. Title: Equinix a Top Socially Responsible Dividend Stock With 2.2% Yield (EQIX)on nasdaq.com. By BNK Invest. 12. Title: 3 Alternative Energy Stocks to Watch Despite Rising Cost Pressure on finance.yahoo.com. By Tanvi Sarawagi. 13. Title: Are Renewable Energy Stocks a Buy in 2026? on global.morningstar.com. By Valerio Baselli. 14. Title: 11 Best Alternative Energy Stocks to Invest In According to Analysts on insidermonkey.com. By Abdul Rahman in Hedge Funds, News. 15. Title: 3 AI Infrastructure Stocks Set to Win From $500 Billion in Capex This Year on fool.com. By Reuben Gregg Brewer. 16. Title: 5 alternative energy stocks riding the AI power crunch on msn.com. By Ryan Hasson at Marketbeat. 17. Title: Top Tech Companies Leading The Way In Climate Solutions on thedetroitbureau.com. By The Detroit Bureau. ------------------------------------------------------------- Ending Comment These are my top news stories with their stock and fund tips for this podcast, "February 2026 Sustainable Stock and ETF Picks." Please click the like and subscribe buttons wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these tumultuous times! Contact me if you have any questions. Thank you for listening. My next podcast will be on March 27th. See you then. Bye for now.   © 2025 Ron Robins, Investing for the Soul

Ed O'Gorman, chief executive and chief investment officer at River Wealth Advisors, says that despite headline risks, investors need to "participate, without being overexposed" to market forces, balancing risks and approaches. He notes that recent action indicates that the market is broadening out, highlighting that an equal-weighted approach recently has delivered better results and lower returns, a sign that it's a good time to diversify and rebalance portfolios into the face of the news cycle. Bob Powell, retirement columnist at TheStreet.com and the co-founder of FinStream TV, dives into new research showing that household spending tends to decline modestly over the course of retirement, typically by small annual amounts that turn into big money over the decades of retirement. He has created a "Retirement Reality Check" that lets investors see for themselves how spending reductions -- the standard pattern, even if not conventional wisdom -- change the trajectories of retirement savings and spending. With the "ETF of the Week,"Todd Rosenbluth, head of research at VettaFi, focuses on a large-cap value fund that in its three-plus year history has accumulated what may be the most accolades and honors of any fund, getting perfect marks from both Morningstar and Lipper, with a structure and management discipline that should lead to continued future success. Plus, Emily Fanous discusses survey work she did for Credible.com study which found that 77% of Americans engaged last year in risky financial activities.

Today's guest on The Long View is Hilary Wiek. Hilary is a principal analyst at PitchBook, where she leads PitchBook's coverage of fund strategies and performance, publishing primary research on the alternative space. Hilary also leads PitchBook's coverage of the ESG and impact investing space. Hilary has over 20 years of experience in asset owner, manager, and advisory roles. Prior to joining PitchBook, she was the director of investments at the Saint Paul & Minnesota Foundations, where she handled portfolio management, impact and ESG investment, investment due diligence and monitoring, and investment operations. Before that, she worked in senior positions at Segal Rogerscasey, the South Carolina Retirement Systems Investment Commission, Buckingham Financial Group, Dayton Power & Light, and KeyCorp. Wiek received a master's degree in finance and economics from Case Western Reserve University and a bachelor's degree in business leadership and finance from the University of Puget Sound. She is based in PitchBook's Seattle office. PitchBook is a Morningstar company. Episode Highlights 00:00:00 Background in the Private Markets and Joining PitchBook 00:04:49 Drivers of Private Market Slowdown in 2026 and Pockets of Outperformance 00:14:15 Key Lessons for Investing in Private Market Funds 00:18:12 Private Market Fees, Hidden Volatility, and Valuations 00:20:38 Evergreen Investment Growth, Interval Funds, and Questions Investors Should Ask 00:32:26 Is It Worth It to Invest in Private Markets? 00:36:50 ESG, Impacting Investing, and Key Themes for 2026 00:41:05 Private Market Exposure in 401(k)s PitchBook Reports Discussed Benchmarking and Returns: Why Are There So Many Numbers? Evergreen Funds: We Have Questions The Evergreen Evolution The New Face of Private Markets in Your 401(k) US Evergreen Fund Landscape 2025 Impact Investing Update If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Todays' guest is Mark Morningstar, a man with a passion for music. He's done it all, from school marching bands to Air Force Drum and Bugle Corps, to drumming in a rock band, to teaching music to high schoolers. He's also a liver cancer survivor, due to the miracle of the living liver donor program. The liver is the one organ that can regenerate and can, therefore, be donated by someone still living. Truly a miracle of modern medicine.We talk all about the living donor program and process, becoming an advocate for organ donation, healing and taking care of your health, staying positive, and so much more.If you're interested in being an organ donor, living or after death, check out the link below or register with your local DMV.Resources:Mark's Facebook: https://www.facebook.com/mark.a.morningstarMark's Instagram: https://www.instagram.com/mark.a.morningstar/Center for Organ Recovery and Education (CORE): https://core.org/Liver Education Advocates: https://liveradvocates.org/Follow:Follow me: https://www.instagram.com/melissagrosboll/My website: https://melissagrosboll.comEmail me: drmelissagrosboll@gmail.com

In this episode of FinTech Impact, host Jason Pereira interviews Mike Wilson, CEO and co-founder of Hamachi, an AI governance layer for financial advisors that unifies data from systems like CRMs and portfolio platforms to power workflow “bots” such as a daily dossier and household brief. Wilson explains Hamachi's origin, its compliance-first guardrails, and its strategy to embed via integrations and API rather than compete for the advisor desktop. They also discuss roadmap integrations and partners, including TaxStatus, FP Pathfinder, Financial's client portal distribution, and potential research data sources like Morningstar and Zacks.Episode Highlights:00:00 Welcome to FinTech Impact + Meet Mike Wilson (Hamachi)00:30 What Hamachi Does: An AI ‘Governing Intelligence Layer' for Advisors01:09 Origin Story: From Orion Alumni to Compliant Advisor AI02:52 From Email Add‑On to Guardrailed Chat: Early Product Evolution04:38 Real Advisor Workflows: Daily Dossier & Household Brief in Action08:58 Integration Roadmap: CRM, Portfolio Platforms, and Tax Data (TaxStatus)10:52 Where Hamachi Fits: Embedded AI, API Strategy, and Bot Marketplace14:25 What's Next: Pathfinder Workflows, Client Portals, and Research Feeds23:28 Why Governance Matters: PII Redaction, Audit Trails, SEC/FINRA Compliance27:21 Rapid‑Fire Wrap‑Up: Industry Wish, Biggest Challenge, and What Excites Mike33:01 Closing Remarks, Call to Action, and Sponsor MessageResources:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorHamachi.aiLinkedIn - Mike Wilson's LinkedIn Hosted on Acast. See acast.com/privacy for more information.

Sheryl Rowling from Morningstar argues that the greatest danger in retirement isn't the stock market — it's the constant fear of running out of money. We will walk through her eight "anchors" from the article posted on Morningstar. Anchor 1: Confirm Your Sustainable Spending Level Anchor 2: Embrace Flexibility in Down Markets Anchor 3: Recognize That Spending Often Declines With Age Anchor 4: Create a Recession Buffer Anchor 5: Reduce Future Tax Uncertainty Anchor 6: Maximize Guaranteed Income Anchor 7: Protect Against Long-Term Care Costs Anchor 8: View Home Equity as a Backstop For our listener question: I've said before that accumulation is the easy part - and distribution is harder. But Kevin wrote in to say "wait a second… don't prices move around when you're buying or selling? So what's the real difference?" We're going to unpack why dollar-cost averaging on the way in is not the same thing as sequence risk on the way out — and why that distinction matters once you're living off the portfolio. And to wrap up the show, we'll hear from Bernie about how he is blending service & fun for an even better retirement.  Resource: Article by Sheryl Rowling in Morningstar: 8 Tips to Stop Worrying About Running Out of Money in Retirement   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

Onze analist van dienst stond al met zijn neus bij de etalage voor een paar aandeeltjes Klarna, toen deze op $30 noteerde. Als een kindje dat pruimen zag hangen, o, als appelen zo groot! Maar wat kan hij in zijn handjes wrijven, want de bodem was voor Klarna nog lang niet in zicht. Na de beursgang in september verloor de Zweedse fintech 70% van haar marktwaarde. Terecht, of is Klarna de kans van de eeuw? En Trump stort beleggers wereldwijd weer in de onzekerheid met zijn heffingenheisa. Goed nieuws voor Azië, waar de nieuwe heffingen lager uitpakken dan de vorige. In het VK zullen ze daarentegen minder staan te springen. Wat is er dit weekend nou precies gebeurd, en wat betekent dat voor jou? Ook daar is genoeg om uit te pakken. Verder in deze show: Box-3 voer voor hoofdredactie Washington Post Netflix bestuurslid moet ONMIDDELIJK ontslagen worden van Trump, terwijl ze middenin de overnamestrijd rond Warner Bros zitten McDonalds is het nieuwe goud Waarom de Zuid-Koreanen dol zijn op hefboompjes VEB wil dat de AFM onderzoek gaat doen naar handel met voorkennis in aandelen van InPost Te gast: Justin Blekemolen van online broker Lynx BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij BNR Zakendoen en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

In this message from Revelation 2:18–29, the church at Thyatira is revealed as a congregation that was thriving in love, faith, service, and spiritual growth—yet dangerously compromised at its core. Through the striking image of a healthy body hiding a life-threatening disease, this sermon exposes the subtle danger of cultural compromise and the high cost of tolerating false teaching in the name of love or survival. Ultimately, it is a sobering yet hope-filled call for the believer to hold tightly to Christ, reject compromise, and cling to the promise of the Morning Star.

Unity in ChristFile Size: 51920 kbFile Type: mp3Download File [...]

Mr. Taxman, Adrian Raftery, listed 101 tax rules - Mark and Shani run through the ones that jumped out at Shani when she read the book.You can find the full article here.Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here.A message from Mark and ShaniFor the past five years, we've released a weekly podcast to arm you with the tools to invest successfully. We've always strived to provide independent, thoughtful analysis, backed by the work of hundreds of researchers and professionals at Morningstar.We've shared our journeys with you, and you've shared back. We've listened to what you're after and created a companion for your investing journey. Invest Your Way is a book that focuses on the investor, instead of the investments. It is a guide to successful investing, with actionable insights and practical applications.The book is now available! It is also available in Audiobook format from most sellers.Purchase from Amazon or Purchase from BooktopiaTo submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Join us as we continue our "Anchors of Retirement Confidence" series, where we discuss four areas of retirement uncertainty plus strategies to replace your anxiety with clarity and control. In part 2, we explore what really puts retirements at risk during market downturns — and how to build a plan that's designed to withstand them.  In this episode, you'll learn:  Why market volatility isn't the real danger in retirement How a recession buffer creates emotional and financial stability How to separate "living money" from "growth money" Why using time-based buckets can help you gain confidence and clarity Today's article is from Morningstar titled, 8 Tips to Stop Worrying About Running Out of Money in Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/550

The 60/40 portfolio has proven it's here to stay, but it can benefit from a refresh like other classics. The total portfolio approach refines the 60/40. It takes a closer look at the components of the plain-vanilla portfolio and considers how risky they are. The goal is to help investors stay disciplined as market conditions change for the better or worse. Jason Kephart has written about the total portfolio approach. He's a senior principal of multi-asset  manager research for Morningstar. How a Total Portfolio Approach Can Improve the 60/40 Portfolio  Morningstar's Tax-Planning and IRA Resources for 2026 On this episode:  00:00:00 Welcome 00:01:20 Total Portfolio Approach vs 60/40 Portfolio 00:01:52 How Growth and Stability Work 00:03:30 Why High-Yield Bonds Wouldn't Go into Stability 00:04:30 Stocks That Might Be Better Suited for Stability than Growth 00:06:52 Challenges of the Total Portfolio Approach 00:08:49 How Investors Can Use This Strategy Watch more from Morningstar: Why REIT ETFs Still Work as Real Estate Slumps How to Make the Most of Your IRA in 2026 3 Winners and 3 Losers from Emerging-Market Funds' Big Rally   Follow Morningstar on social: Facebook https://www.facebook.com/MorningstarInc/ X https://x.com/MorningstarInc Instagram https://www.instagram.com/morningstarinc/?hl=en LinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Het lijkt deze week pas goed te zijn doorgedrongen tot de media: de belasting op vermogen in box 3 wordt drastisch verhoogd. Zelfs over niet gerealiseerde winsten, de 'papieren' koerswinsten, moet je een belasting van 36 procent afdragen. "Het ergste", zegt Ralph Wessels van ABN Amro, "is dat dit juist de kleine beleggers onevenredig hard raakt. De grote beleggers kunnen beleggen in hun BV en vallen dan buiten box 3. Deze forse belasting werkt niet bepaald nivellerend." Voor mensen die hebben belegd voor hun pensioen is dit een hard gelag. Ook Riaan Prinsloo van ING ziet er niets in. "De EU wil juist stimuleren dat mensen meer gaan beleggen, zodat Europa sterker wordt, meer kan investeren in bijvoorbeeld defensie." Riaan ziet niet hoe deze belasting Nederlandse beleggers nog enthousiast zal maken om meer in Europa te beleggen. De draconische belastingwet moet nog door de Eerste Kamer aangenomen worden. Is er niets positiefs te melden? Jawel, beide experts zijn, gegeven de geopolitieke onzekerheden, positief over de beurs. De groei van de wereldeconomie trek aan en ook de winstgroei van bedrijven, in alle regio's, is positief. Verder in de podcast aandacht voor JD.com, die de aanval opent op online winkels in Nederland en over de populariteit van Shell onder Nederlandse beleggers. We bespreken de cijfers van o.a. Besi, Aegon, ASR en Walmart. Natuurlijk bespreken we de luisteraarsvragen en geven de experts hun tips. Riaan tipt een ETF met de ISIN-code IE00B3WJKG14, Ralph tipt ook een ETF die de ISIN-code LU2504564761 heeft. Geniet van de podcast! Let op: alleen het eerste deel is vrij te beluisteren. Wil je de hele podcast (luisteraarsvragen en tips) horen, wordt dan Premium lid van BeursTalk. Dat kost slechts 9,95 per maand, 99 euro voor een heel jaar. Abonneren kan hier! VanEck ETF’s (advertorial) Deze week is ook weer het tweewekelijks gesprek te beluisteren met Martijn Rozemuller, ceo van VanEckETF’s, de partner van BeursTalk. In deze aflevering bespreken we de sterk toegenomen interesse van beleggers in dividendaandelen. Bij VanEck is de Morningstar Developed Markets Dividend Leaders ETF, na de VanEck Defense ETF, de grootste groeier. Opmerkelijk, want op het eerste gezicht is een breed gespreide ETF met degelijke bedrijven op het eerste gezicht nogal saai. Maar, zo legt Martijn uit, saai is het nieuwe sexy. En sexy met een reden, want naast een mooi dividendrendement laten de aandelen in de ETF vaak ook een nette koersstijging zien. Morningstar heeft een mooie index gemaakt met bedrijven die al 10 jaar een degelijke performance laten zien Een ander aantrekkelijk punt voor Nederlandse beleggers is dat de ETF in de Nederlandse fondsenparaplu zit. De ETF heeft de status van fiscale beleggingsinstelling. Dat betekent dat beleggers de ingehouden dividendbelasting terugkrijgen! Geniet van de podcast! De gepresenteerde informatie door VanEck Asset Management B.V. en de aan haar verbonden en gelieerde bedrijven (samen "VanEck") is enkel bedoeld voor informatie en advertentie doeleinden aan Nederlandse beleggers die Nederlands belastingplichtig zijn en vormt geen juridisch, fiscaal of beleggingsadvies. VanEck Asset Management B.V. is een UCITS-beheerder. Loop geen onnodig risico. Lees de Essentiële Beleggersinformatie of het Essentiële-informatiedocument. Meer informatie? https://www.vaneck.com/nl/nl/See omnystudio.com/listener for privacy information.

Morningstar's Brett Husslein calls Walmart's (WMT) earnings beat “modest” and notes that while its guidance is conservative, it has a pattern of increasing its expectations for the year as it progresses. He walks through his highlights from the report, including global ad revenue growth and overall margins. However, he has a $62 fair value estimate, a steep drop from current levels. Brett argues that the market expects a lot from Walmart going forward compared to its historical valuation.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

If you would rather not listen to the guys’ banter about Jacob's upcoming move to Iowa, Jim’s garden planning, and a listener correction about the word “imbibe” you can skip ahead to (33:30). Chris's SummaryJim and I are joined by Jacob Vonloh as we discuss using Buffered ETFs prompted by a Morningstar article titled “Buffer ETFs Are Not for Everyone.” We explain how defined outcome ETFs use options to provide an explicit amount of loss protection over a given period while limiting potential gains, and we outline why these products are generally suboptimal for long-term investors. We then connect this to investment positioning, focusing on risk capacity, distribution planning, and why dollars assigned to delay-period Minimum Dignity Floor and Go-Go spending may require a degree of principal protection. Jim's “Pithy” SummaryChris and I are joined by Jacob Vonloh as we take a listener-submitted Morningstar article—“Buffer ETFs are not for Everyone”—and use it to kick off what is going to be a series on principal protection. Morningstar does a very good job in this article laying out what it likes about buffered products, and it also makes some excellent points on where these types of products would fit and where they don't fit. They're not for everybody, but they could be of interest in certain cases, in a certain application, and we're going to share how we use them. What I want to do in this series is broaden the conversation. Buffered ETFs are just one type of principal protected product. There are multiple tools in that category, and we're going to walk through where they fit into distribution planning. As you transition from accumulation into what I call the Venn diagram phase, and ultimately into distribution, you have to stop thinking of your portfolio as one big portfolio and start thinking in terms of smaller portfolios—investment positions—based on assigned spending. Dollars earmarked for a legacy position can be invested aggressively. Dollars earmarked for immediate spending—like the Go-Go reserve or the reserve for your MDF—need a degree of principal protection. This ties directly into the Secure Retirement Income Process and the See Through Portfolio and how we navigate asset positioning in retirement. Show Notes: Morningstar Buffered ETFs article The post Using Buffered ETFs: EDU #2607 appeared first on The Retirement and IRA Show.

Our guest on the podcast today is Jim O'Shaughnessy. Jim founded O'Shaughnessy Asset Management, a quantitative investment management firm in 1993. Franklin Templeton acquired the firm in 2021. Jim is also an author of several books, including Invest Like the Best and What Works on Wall Street. His latest book, Two Thoughts: A Timeless Collection of Infinite Wisdom, is a compilation of quotations from famous artists, writers and thinkers. Jim also hosts his own podcast called Infinite Loops. In addition, Jim is the founder and CEO of O'Shaughnessy Ventures, which provides financial backing and other support to individuals and projects.Episode Highlights00:00:00 Building a New Way to Analyze the Stock Market00:07:18 How Stock Brokers Sold Stories Before Quants00:12:19 Stock Price vs. Narrative and How Quants Avoid Stock Investing Pitfalls00:20:05 Long-Term Investing, Bonds, and Keeping Emotions Out of Your Portfolio00:29:50 Pre-Seed Investments, Finding the Right Founders, and Valuations Today00:40:08 The Making of Two Thoughts: A Timeless Collection of Infinite Wisdom00:47:29 Voices on the Infinite Loops Podcast00:53:12 “Statis is Death” and Lifelong LearningMore From The Long ViewNick Maggiulli: Climbing the Wealth LadderLawrence Lam: ‘The Types of Companies That Attract Me Are Founder-Led and Profitable'More From MorningstarHow to Determine What a Stock Is WorthHow to Build a Portfolio to Reach Your Financial Goals5 Ways Emotions Sabotage Your Investment SuccessFOMO Can Lead to Lower Returns. Don't Fall For ItIf you have a comment or a guest idea, please email us at TheLongView@Morningstar.com.Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances.If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Don and Tom dissect a Morningstar article naming the “best core stock funds” for 2026, noting the sharp decline in recommended actively managed funds and the dominance of low-cost index funds. While they applaud the shift away from expensive stock pickers, they argue Morningstar's “core” approach still leads to unnecessary complexity and heavy large-cap (especially S&P 500) concentration, with little exposure to small-cap, value, and emerging markets. They advocate instead for simple, globally diversified, factor-tilted funds like DFAW, AVGE, or AVGV. Listener questions cover switching from AVGE to AVGV inside an IRA (risk tolerance matters), improving a 32-year-old's 401(k) allocation (use a Roth IRA to add small/value exposure), and a sharp analogy comparing passive investing to driving with traffic rather than weaving aggressively for no gain. 0:04 Investing in a “wonderful world” by ignoring noise 1:14 AI audio tools that may replace editors (and shorten meetings) 5:06 Morningstar's 2026 “Best Core Funds” list shifts toward indexing 6:39 Why “core” still means large-cap heavy and incomplete diversification 9:50 The problem with piling into multiple S&P 500 funds 12:14 Why Dimensional and Avantis are missing from the list 13:26 One-fund global solutions: DFAW, AVGE, AVGV 17:44 Listener analogy: aggressive driving vs. active investing 19:08 IRA question: Switching from AVGE to AVGV and risk tolerance 20:34 32-year-old's 401(k) allocation and using a Roth IRA to add small/value 28:40 Retirement workshop plug and who should attend 30:21 Free fiduciary advice vs. actually hiring an advisor Learn more about your ad choices. Visit megaphone.fm/adchoices

Why are wild peyote populations shrinking, and what can be done about it? In this episode, we explore the sacred medicine of peyote and efforts to conserve it with Leonardo Mercado. We discuss restrictive U.S. laws, unregulated harvesting, ongoing debates, conservation work led by some Native communities, wild vs. greenhouse cultivation and more.For 40 years, Leo has been dedicated to preserving peyote and its seed sources to create a sustainable future for the medicine. He's now Cultivation Director at Seedling Sanctuary in Tucson – a proof of concept program demonstrating an efficient model for the ethical stewardship of peyote. It operates under the Morning Star Conservancy (MSC), a non-profit organization founded by members of the Native American Church (NAC). So what's working, what needs improvement and what support is needed? Take a listen!If you'd like to support the nonprofit Modern Spirit and our podcast, you can make a donation HERE.For more information about Leo and Morning Star Conservancy, and to support conservation efforts: MSC's Website Leo's Instagram They are looking for a permanent home base for the seedlings (preferably in Southern Arizona) - if you have any connections who could help with this, please get in touch with MSC or Leo. Timestamps: (00:00) Opening and Welcome(02:50) Growing Up Around Reservations & Introduction to Cacti(03:47) The Accidental ‘Death/Rebirth'(05:23) Finding an Elder and Vision Quest (07:22) Philosophical Conflict and Protecting Sacred Tradition(09:19) Why Peyote Is Scarcer Than Ever: Supply, Ethics, and Habitat Loss(15:21) Learning with the Wixárika in Mexico(18:04) From Picket Line Roots to Conservation(22:30) Peyote Paradox: Legal Abroad, Restricted Where Needed(27:17) Morning Star in Arizona: Seed Bank, Germination, Proof of Concept(32:13) Seed-to-Ceremony: Donations and Scaling Up(40:31) Natural Culture & How to Help: Land, Funding, and the Future 

Today, I am speaking with the founder of a rather unique RV manufacturer which specializes in creating double-hulled fiberglass travel trailers. Scott Hubble, is the CEO of Awaken RV in Apple Creek, Ohio. He started the company as the result of what he called a midlife thought. He reached a point where he realized he was not having as much fun as he used to, and Scott wanted to build something around a community-driven RV niche. That search led him to the fiberglass trailer community, where he saw opportunity to create a new kind of RV. Scott said their first model is called the Morningstar, and he described it as a double-hull, dual-axle, fiberglass-molded travel trailer designed with comfort, capability and a more rugged look. In this interview, Scott explains what “double hull” construction means, why it matters for strength and insulation, and how Awaken RV is trying to deliver an RV that is fully-equipped right from the start. Scott broke down the practical benefits of Awaken RV's double-hull fiberglass design, including how the exterior and interior shells create multiple insulation points that can help with comfort in colder weather and hotter seasons. He shared more details about the Morningstar and the company's philosophy that everything is standard, with a focus on building a trailer that is ready for real travel and extended use. Scott said it is reasonable for buyers to pick up their RVs about five months after placing an order; however, some situations are running closer to three to five months depending on dealer slots. He also outlined Awaken RV's 5-3-1 warranty, which he explained is five years structural, three years craftsmanship, and one year on components. However, some components have even longer manufacturer warranties. To learn more, visit www.awakenrv.com or email the company at info@awakenrv.com. The company does give tours, and Workampers can call 330-778-0004 to schedule a visit. Today's episode is brought to you by the featured employers at Workamper.com  These Workamper Employers have taken the extra step to share some photos and detailed information about their Workamper programs with you. Check them out today! Opportunities exist for solos, couples and families, whether they are full-time, part-time, seasonal or even long-term jobs. Some are income opportunities and others involve volunteering at locations throughout the United States.  Go to www.workamper.com/fe to meet the featured employers today. If you are an employer seeking to hire Workampers, then you can learn how to benefit from year-round recruiting by becoming a Featured Employer. Visit www.workamper.com/fedetails. That's all for this week's show. Next time, I will be speaking with the owner of a New England campground who is looking for several Workampers to assist his mostly seasonal guests this summer. I will have that interview on the next episode of The Workamper Show. Thank you for listening!

Of je nu op zoek bent naar Japanse nori-wasabi-aardappelchips of naar een nieuwe wasmachine: binnenkort wil het Chinese JD.com het aan je voordeur komen brengen. De grootste webwinkel van China komt naar Nederland, en gaat hier de concurrentie aan met Bol.com, Amazon, maar ook alle online supermarkten. Kunnen ze die markt nogmaals ondersteboven zetten of beginnen ze aan een strijd die al gestreden is? Dat hoor je in deze aflevering. Daarin hebben we het ook over Theon. Het Griekse defensiebedrijf dat nachtkijkers maakt kwam met prachtige groeicijfers over het afgelopen jaar. Maar daar houdt het niet bij op. Theon denkt dat er nog meer groeiversnelling in het vat zit voor dit jaar. Het rekent er zelfs op dat het harder kan groeien dan de defensie-uitgaven van de NAVO-landen. Hoe ze dat voor elkaar kunnen krijgen zoeken we voor je uit. Verder hoor je nog waarom ASML de zegen van het Vaticaan krijgt, wat Apple leert van ons programma, en wat er nú weer aan de hand is in de overnamesoap rond Warner Brothers Discovery. Te gast: Mike Mulders van ING Investment Office BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij BNR Zakendoen en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

In this guest episode, we have James Gruber, Editor at Firstlinks. He has a debate with dividend lover Mark, about why he doesn't like dividends.You can find James' full article here.Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here.A message from Mark and ShaniFor the past five years, we've released a weekly podcast to arm you with the tools to invest successfully. We've always strived to provide independent, thoughtful analysis, backed by the work of hundreds of researchers and professionals at Morningstar.We've shared our journeys with you, and you've shared back. We've listened to what you're after and created a companion for your investing journey. Invest Your Way is a book that focuses on the investor, instead of the investments. It is a guide to successful investing, with actionable insights and practical applications.The book is now available! It is also available in Audiobook format from most sellers.Purchase from Amazon or Purchase from BooktopiaTo submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Imagine a scene so haunting it echoes through six centuries: high-ranking officials digging up a man dead for 44 years just to burn his bones and scatter them in a river. Why? Because he dared to give the common man the Word of God in his own tongue. Join us as we journey back to the 14th century to meet John Wycliffe, the "Morning Star of the Reformation," and explore how he broke the "Latin chains" to end a spiritual famine. This episode is a deep dive into the courage, chaos, and linguistic revolution that paved the way for the Bible you hold today. Key TakeawaysThe Famine of the Word: Understanding the spiritual starvation of the Dark Ages and the fulfillment of the prophecy in Amos 8:11: "Behold, the days come, saith the Lord God, that I will send a famine in the land, not a famine of bread, nor a thirst for water, but of hearing the words of the Lord."Dominion by Grace: Wycliffe's radical idea that spiritual authority comes from God's grace, not an office—echoing Psalm 118:22: "The stone which the builders refused is become the head stone of the corner."The Lollard Movement: How "poor priests" and "mumblers" created an underground distribution network for the forbidden English scriptures.Linguistic Legacy: Discovering how Wycliffe didn't just translate the Bible; he molded the English language, giving us words like "glory," "mystery," and "treasure."The Global Ripple Effect: Why burning Wycliffe's bones failed to stop his message, eventually flowing from the River Swift to the great ocean of the Protestant Reformation.Call to ActionSubscribe to Coffee with Conrad for more deep dives into church history and prophetic insights.Share your thoughts: How does knowing the cost of the English Bible change the way you read it today? Leave us a review or a voice message!Visit the Site: For more "rocks of revelation," head over to conradrocks.net.LinksBlog: https://conradrocks.netBook: Open Your Eyes → https://amzn.to/3RJx7byBook: Night Terror → https://amzn.to/3XRFohlAmazon Ministry List → https://www.amazon.com/hz/wishlist/ls/2GSBT99APHFQR?ref_=wl_shareInner Circle Email Subscription: https://eepurl.com/dhtqlP My Books: * Open Your EyesNight TerrorT-Shirts: Team Jesus 4 Store PayPal: Support the Show Social Media:FacebookInstagramTwitter/XTikTok

The struggle of brick-and-mortar real estate has extended into investment portfolios. Elevated inflation and high interest rates have weighed on the real estate sector over the past few years. Real estate investment trusts or REIT ETFs have not been spared. Yet these exchange-traded funds are popular among income investors. They generate cash and can help diversify a portfolio. So, where do they fit in yours? And which REIT ETFs do Morningstar analysts consider top picks? Dan Sotiroff is the associate director of US Passive Strategies for Morningstar. Dan is also the editor of Morningstar's ETFInvestor newsletter.Subscribe to Morningstar's ETFInvestor newsletter. https://newsletters.morningstar.com/On this episode:00:00:00 Welcome00:01:26 Basics of REIT ETFs 00:04:34 Active vs. Passive REIT ETFs00:06:03 REIT ETFs' Performance vs US Stock Market00:09:20 Cutting the Tax Bill on REIT ETF income  00:10:06 Top REIT ETFs From Vanguard & Schwab00:13:48 Key Takeaways for Income Investors Watch more from Morningstar:How to Make the Most of Your IRA in 20263 Winners and 3 Losers from Emerging-Market Funds' Big RallyHow New Retirees Can Spend More Without Risking Their Savings Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments.  See how they fit together in one coordinated strategy built around your numbers.

Today's guest on The Long View is Sara Devereaux. Sara is the Chief Investment Officer of Vanguard Capital Management and Global Head of Fixed Income. She oversees the investment professionals responsible for portfolio management, trading, and research for Vanguard's internally managed fixed-income funds and ETFs, including actively managed bond and money market portfolios and bond index portfolios. Before joining Vanguard in 2019, Sara was a partner at Goldman Sachs, where she spent over 20 years in mortgage-backed securities and structured products trading and sales. Earlier in her career, she worked at HSBC, in risk management advisory and interest rate derivative structuring. She started her career as an actuary at AXA Equitable Life Insurance. Barron has named Sara to its annual list of the 100 Most Influential Women in US Finance every year since 2022.Episode Highlights00:00:00 Vanguard's Investing Philosophy and New Innovations00:06:20 Active Fixed-Income Strategy and the Alpha Waterfall00:13:34 ETF's Explosion, Active Management, and Private Credit Risk00:23:10 How Technology Is Reshaping the Bond Market00:29:51 Bond Market Performance 2025, Bonds as Ballasts, and Term Premiums00:37:27 Bond Market Risks in 202600:42:51 Shifting Policy Crosswinds, Cracks in Credit, and AI Capex Risks00:50:18 Technical Signals to Watch in 2026Books MentionedStay the Course: The Story of Vanguard and the Index RevolutionMore From MorningstarVanguard's Sara Devereux: Why It's a ‘Terrific Environment' for Bond IncomeSalim Ramji: The Industry Uses Complexity As a Mask to Charge MoreMorningstar's Guide to Fixed-Income InvestingIf you have a comment or a guest idea, please email us at TheLongView@Morningstar.com.Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances.If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join us for our "Anchors of Retirement Confidence" series, where we discuss four areas of retirement uncertainty plus strategies to replace your anxiety with clarity and control. In part 1, we tackle how to create a flexible spending system that adapts with you.  In this episode, you'll learn:  Why safe withdrawal "rules" can create unnecessary stress How to find your personal sustainable spending range The power of small spending adjustments Why most retirees naturally spend less as they age How flexibility becomes your strongest retirement asset Today's article is from Morningstar titled, 8 Tips to Stop Worrying About Running Out of Money in Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/547

The Clintons agreed to testify in a congressional investigation related to their involvement with Jeffrey Epstein. Meanwhile, Democrats unexpectedly flip a Texas Senate seat in a special election. And finally, Billie Eilish gets checked by the indigenous for her comments on "stolen land." All this and more on the LOOPcast!Get your FREE PHONE as a new Charity Mobile user with every new line — and FREE SHIPPING — with promo code LOOPCAST at https://bit.ly/LOOPcast-CharityMobile Families can now find over 100 faithful Catholic schools, colleges, and graduate programs that meet The Cardinal Newman Society's high standards of fidelity and formation in The Newman Guide. Request your FREE eBook copy of the 2025-2026 Newman Guide here: https://cardinalnewmansociety.org/loopcast  Celebrate the Catholic contribution to the US on its 250th anniversary at the 21st annual National Catholic Prayer Breakfast! 1500+ attendees will experience a beautiful morning of prayer, inspiring speakers, and more! https://bit.ly/LOOPcast-NCPB-2026 00:00 Welcome to the LOOPcast06:23 SSPX Update12:26 Clintons to Testify36:29 Good News44:17 TX Special Election1:00:34 Twilight Zone1:09:00 Closing PrayerEMAIL US: loopcast@catholicvote.org SUPPORT LOOPCAST: www.loopcast.orgCheck out the LOOPcast on Zeale: https://zeale.co Subscribe to the LOOP today!https://catholicvote.org/getloop  Apple Podcasts: https://podcasts.apple.com/us/podcast/the-loopcast/id1643967065 Spotify: https://open.spotify.com/show/08jykZi86H7jKNFLbSesjk?si=ztBTHenFR-6VuegOlklE_w&nd=1&dlsi=bddf79da68c34744 FOLLOW LOOPCast: https://x.com/the_LOOPcast  https://www.instagram.com/the_loopcast/ https://www.tiktok.com/@the_loopcast https://www.facebook.com/LOOPcastPodcast Tom: https://x.com/TPogasic Erika: https://x.com/ErikaAhern2  Josh: https://x.com/joshuamercer Mary, Mother of the "Yes", you listened to Jesus,and know the tone of his voice and the beating of his heart.Morning Star, speak to us of him,and tell us about your journey of following him on the path of faith.Mary, who dwelt with Jesus in Nazareth,impress on our lives your sentiments,your docility, your attentive silence,and make the Word flourish in genuinely free choices.Mary, speak to us of Jesus, so that the freshness of our faithshines in our eyes and warms the heart of those we meet,as you did when visiting Elizabeth,who in her old age rejoiced with you for the gift of life.Mary, Virgin of the Magnificathelp us to bring joy to the world and, as at Cana,lead every young person involved in service of othersto do only what Jesus will tell them.Mary, look upon the Agora of youth,so that the soil of the Italian Church will be fertile.Pray that Jesus, dead and Risen, is reborn in us,and transforms us into a night full of light, full of him.Mary, Our Lady of Loreto, Gate of Heaven,help us to lift our eyes on high.We want to see Jesus, to speak with him,to proclaim his love to all.All opinions expressed on LOOPcast by the participants are their own and do not necessarily reflect the opinions of CatholicVote.

Our guest on the podcast today is Sally Balch Hurme. Sally is the author of Checklist for My Family: A Guide to My History, Financial Plans and Final Wishes, as well as several other books. She worked at AARP for 23 years and has written more than 20 law review articles on topics related to elder law. She has also served on the boards of the National Guardianship Association and the Center for Guardianship Certification, where she helped develop standards for guardians and reform guardianship policies and procedures. Before moving to AARP, she was a partner in a private law firm and held several other legal roles. She also served as an adjunct professor at the George Washington University Law School, teaching elder law for eight years. She received her BA from Tulane University and her JD cum laude from the Washington College of Law at American University.Episode Highlights00:00:00 Working at the American Bar Association, AARP, and as a Caregiver00:06:15 How to Get Started in Eldercare Planning00:08:15 Final Wishes, Finding Your Roots, and Key Documents00:26:31 Designated Beneficiaries and Medication Tracking00:33:38 Home Deeds and The Power in Power of Attorney00:39:48 Cleaning Up Digital Assets Sally Hurme BooksChecklist for My Family: A Guide to My History, Financial Plans and Final WishesThe ABA/AARP Checklist for Family Caregivers: A Guide to Making It ManageableMore From MorningstarBeth Pinsker: Lessons From ‘My Mother's Money'Inherited IRAs: What to Know About Taxes, RMDs, and MoreHow to Tackle Estate-Planning Basics in 7 StepsIf you have a comment or a guest idea, please email us at TheLongView@Morningstar.com.Follow Christine Benz (@christine_benz), Amy Arnott (@AmyCArnott1), and Ben Johnson (@MstarBenJohnson) on X. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances.If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.