Podcasts about mutual funds

Send us Fan MailBrian Margolis joins the show to discuss his new new framework that helps wholesalers get to the top of their game. We also discuss what sales activities are creating the best outcomes for wholesalers. As a bonus, we suggest a few biases that are holding wholesalers and distribution teams back.Access the whitepaper "Wholesaler Roadmap to the Top" at PGwholesaling.comSubscribe to the brand-new Internal Use Only newsletter for more information and updatesThank you to NOBULL for partnering with Internal Use Only to deliver this episode.NOBULL has several wholesaler-approved items for our busy lives. Their new Public Rec collection has men's tops and bottoms that have you covered from your commute, to a meeting, to the course.You can support Internal Use Only by shopping my link below. Use code WELCOME30 for 30% off your first order.Support the show

In this episode of IPS Finance, we discuss whether investors should consider buying a stock after a buyback announcement and the key factors to evaluate before making such investment decisions. The episode also explores the latest reclassification by the Association of Mutual Funds in India (AMFI) and analyzes its potential impact on mutual funds, stock prices, and overall market dynamics. A clear and insightful discussion designed to help investors understand important market developments and make informed investment choices.

Bryan Armour, Morningstar's director of ETF and passive strategies research for North America, and Dan Sotiroff, Morningstar's associate director of US passive strategies research, explain why ETFs and collective investment trusts or CITs are challenging mutual funds. How Active ETFs Are Reshaping Fund Fees   On this episode: 00:00:00 Welcome  00:01:30 How ETFs and mutual funds are alike and different 00:03:34 What investors prefer now  00:06:10 Cases when owning a mutual fund instead of an ETF could be beneficial  00:09:58 Are ETFs still synonymous with passive investing? 00:12:33 Notable names behind the active ETF launches 00:14:58 Are mutual funds an endangered species?   Watch more from Morningstar: Brace Your Portfolio for Mega-IPOs The Portfolio That Has Been Beating the Classic 60/40, and Why It Matters for You The Best Opportunities for Fund Investors Today   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.

Kelley Slaught discusses retirement planning, building income streams, managing longevity risks, and handling life changes like divorce and the death of a spouse. This episode offers insights on creating a secure financial future and avoiding common pitfalls. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

In this episode, Kevin discusses the future of Social Security, the impact of political decisions, and practical strategies for retirement planning amidst economic challenges. 480-406-3396 Silver Leaf FinancialSee omnystudio.com/listener for privacy information.

Don and Tom take on one of investors' biggest blind spots: focusing on tiny costs while ignoring the factors that have a far greater impact on long-term wealth. Using a recent Jason Zweig article as a springboard, they explain how taxes can reduce stock market returns far more than the difference between low-cost fund expense ratios. The discussion covers tax-efficient investing, asset location, ETFs versus mutual funds, dividend taxation, capital gains, and why investors should pay more attention to portfolio design than chasing the lowest possible expense ratio. They also dissect a highly tax-inefficient YieldMax fund tied to MicroStrategy and Bitcoin, illustrating how taxes and poor fund structure can devastate returns. Listener questions cover Morningstar's acquisition of CRSP indexes and whether it threatens Vanguard investors, plus whether a retiree working part-time can contribute earned income to a Roth IRA.0:05 Big-picture investing versus obsessing over tiny details0:39 Why fund expense ratios matter less than most investors think2:06 Jason Zweig's research on taxes reducing long-term market returns3:20 How taxes often outweigh fund expense differences4:06 Qualified dividends versus ordinary income taxation5:03 Why investors should pay attention to after-tax returns5:40 YieldMax funds and the hidden cost of tax inefficiency7:19 The dangers of exotic income-focused ETFs7:48 Why ETFs can be more tax-efficient than mutual funds9:15 Tax knowledge as a critical investing skill10:30 Asset location: where stocks and bonds belong11:20 The YieldMax MicroStrategy fund and Bitcoin losses11:58 The truly important parts of financial planning13:15 Listener question from Longmont, Colorado14:17 Morningstar, CRSP indexes, and Vanguard concerns16:00 Why market-cap indexes are unlikely to be manipulated17:16 Morningstar ratings and conflicts of interest discussion17:58 Thoughts on the military-industrial complex19:23 UFL football, soccer, and sports tangents20:47 Listener question about Roth IRA contributions from part-time work21:30 Filing thresholds and earned income requirements for Roth IRAs23:21 Listener questions, voice submissions, and website tools24:08 AI voices and synthetic Don McDonald25:59 Romper Room memories and closing banterQuestions? Comments? Click!

This week, a simple quote about wasting time sparks a deeper conversation about why retirement isn't meant to be endlessly optimized. In the Retirement Toolbox, we compare mutual funds and ETFs, exploring their differences in costs, trading, and tax efficiency. Listener questions cover Roth conversion assumptions, choosing between a pension and lump sum, whether the Shiller PE ratio can predict market crashes, and how to think about portfolio risk without falling into the trap of over-optimization.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) The episode opens with a reflection on the value of wasting time and why not every moment in retirement needs to be optimized or productive.RETIREMENT TOOLKIT(04:06) In today's Retirement Toolkit, Roger breaks down the differences between mutual funds and ETFs, focusing on how structure, trading mechanics, costs, and tax efficiency can impact which vehicle is best suited for different types of accounts and investing strategies. LISTENER QUESTIONS(26:08) A listener asks whether future tax brackets should be adjusted when modeling Roth conversions and why long-term tax projections have significant limitations.(32:40) The pros and cons of keeping a pension versus taking a lump sum are examined, along with a framework for comparing guaranteed income to investment alternatives.(44:54) The Shiller PE ratio is put under the microscope as the conversation explores whether market valuations can reliably predict future crashes or returns.(59:58) Portfolio risk, AI, and the dangers of over-optimization are discussed, with an emphasis on building a strategy that aligns with both goals and temperament.SMART SPRINT(1:00:43) This week's challenge is simple: intentionally waste some time and enjoy activities that have no agenda or productivity goal.DECLUTTERING DEBRIEF(1:01:53) A listener shares the reminder that "the thing is not the memory" and why letting go of possessions doesn't mean letting go of meaningful experiences.ON THE BOOKSHELF(1:02:24) A listener recommendation of Snow Crash by Neal Stephenson as well as Roger's recommendation of The Match, a nonfiction story about a legendary 1956 golf match and the players involved. REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleON THE BOOKSHELFSnow Crash by Neal Stephenson The Match: The Day the Game of Golf Changed Forever by Mark Frost Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals. 

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Don takes listeners on a journey through nearly four decades of investment advice, explaining how his thinking evolved from recommending active mutual funds in the 1980s to embracing index funds, factor investing, and eventually ETFs. Along the way, he and Tom discuss Vanguard's rise, Don's early relationship with Paul Merriman, the emergence of Dimensional Fund Advisors and Avantis, and why their recommendations have changed over time. They also address listener skepticism about fund recommendations, compare Avantis and Vanguard products, answer a tax-efficient portfolio rebalancing question from a retired couple, and debunk a marketing pitch for “layered income portfolios.”0:08 Don shares the story of his early days giving investment advice from Leadville, Colorado2:56 The active management era and why great fund managers were once considered essential3:52 Vanguard's early growth and the gradual acceptance of index investing5:38 Don discusses Vanguard sponsoring his radio show and maintaining disclosure transparency6:55 Paul Merriman introduces factor investing and Fama-French research9:10 Early Dimensional Fund Advisors portfolios and advisor-only access10:56 The rise of ETFs, Dimensional's hesitation, and Avantis' origins11:23 The 2010 ETF flash crash and why Tom and Don were initially cautious13:29 Why factor investing remains compelling despite uncertain future returns14:20 Addressing listener skepticism about Avantis recommendations16:07 Comparing AVUV and Vanguard VBR small-cap value funds17:44 Comparing AVGE and Vanguard VT global equity funds19:15 Clarifying compensation, conflicts of interest, and transparency21:27 Listener Anton asks about tax-efficient portfolio rebalancing in retirement26:03 Why holding bonds inside IRAs can improve tax efficiency27:23 Discussion of Roth conversion strategies and tax considerations30:20 Listener asks about “Layered Income Portfolios”31:05 Why income portfolio marketing pitches are often more sales than substanceQuestions? Comments? Click!

Markets keep changing due to interest rates, inflation, global cues, corporate earnings, and investor sentiment. In such times, understanding diversification becomes important for every investor.In this investor awareness episode, we explain the meaning of diversification, basics of asset allocation, and the role of equity, debt, gold, and liquid assets in a balanced portfolio. We also discuss how a diversified approach may help investors manage market volatility, reduce overdependence on a single asset class, and stay aligned with long-term financial goals.This episode is ideal for investors who want to understand portfolio diversification, risk management, balanced investing, and the importance of a disciplined long-term investment approach.A diversified approach may help align investments with financial goals.Diversification, Portfolio Diversification, Asset Allocation, Investor Awareness, Risk Management, Balanced Portfolio, Equity Investment, Debt Investment, Gold Investment, Liquid Funds, Market Volatility, Long Term Investing, Financial Goals, Investment Planning, Wealth Management, Mutual Funds, Personal Finance India, Stock Market India, Smart Investing, Financial Education

Markets keep changing due to interest rates, inflation, global cues, corporate earnings, and investor sentiment. In such times, understanding diversification becomes important for every investor.In this investor awareness episode, we explain the meaning of diversification, basics of asset allocation, and the role of equity, debt, gold, and liquid assets in a balanced portfolio. We also discuss how a diversified approach may help investors manage market volatility, reduce overdependence on a single asset class, and stay aligned with long-term financial goals.This episode is ideal for investors who want to understand portfolio diversification, risk management, balanced investing, and the importance of a disciplined long-term investment approach.A diversified approach may help align investments with financial goals.Diversification, Portfolio Diversification, Asset Allocation, Investor Awareness, Risk Management, Balanced Portfolio, Equity Investment, Debt Investment, Gold Investment, Liquid Funds, Market Volatility, Long Term Investing, Financial Goals, Investment Planning, Wealth Management, Mutual Funds, Personal Finance India, Stock Market India, Smart Investing, Financial Education

Markets keep changing due to interest rates, inflation, global cues, corporate earnings, and investor sentiment. In such times, understanding diversification becomes important for every investor.In this investor awareness episode, we explain the meaning of diversification, basics of asset allocation, and the role of equity, debt, gold, and liquid assets in a balanced portfolio. We also discuss how a diversified approach may help investors manage market volatility, reduce overdependence on a single asset class, and stay aligned with long-term financial goals.This episode is ideal for investors who want to understand portfolio diversification, risk management, balanced investing, and the importance of a disciplined long-term investment approach.A diversified approach may help align investments with financial goals.Diversification, Portfolio Diversification, Asset Allocation, Investor Awareness, Risk Management, Balanced Portfolio, Equity Investment, Debt Investment, Gold Investment, Liquid Funds, Market Volatility, Long Term Investing, Financial Goals, Investment Planning, Wealth Management, Mutual Funds, Personal Finance India, Stock Market India, Smart Investing, Financial Education

Where Did My Returns Go? The Cost of Mutual Funds and Annuities The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description Time Stamps 00:00 Keep Truckin Intro 01:31 Show Opens Fees 03:22 Mutual Fund Basics 05:46 Share Classes Loads 07:14 Portfolio Fee Transparency 10:05 Tax Drag Distributions 14:01 Constraints Versus Drift 16:29 Managed Accounts Example 21:16 Break Segment Promo 22:05 Inflation Market Pinch 26:09 Mutual Fund Fee Reality 26:38 Annuities Insurance Wrapper 27:27 Index Annuity Caps 30:20 Fixed Annuity Tradeoffs 32:27 Immediate Annuity Inflation 37:32 Commissions And Incentives 40:29 Counterparty Risk Warning 44:30 Final Portfolio Checkup Most investors look at their mutual fund statement, see a return number, and assume that’s the whole story. It isn’t. Fees are deducted before that return ever reaches your statement, which means you could be paying anywhere from a fraction of a percent to well over 1.5% a year without it ever showing up as a line item. In this episode, Tom Dupree and Mike Johnson explain exactly how those costs are built into your returns — and why two people holding what looks like the “same” mutual fund can actually be paying very different amounts. The conversation also digs into a real-world example involving a major fund family, where a change to share class minimums forced a wave of investors to realize years of embedded capital gains — and a hefty tax bill — all at once. From there, Tom and Mike shift to annuities, breaking down how index annuities, fixed annuities, and immediate annuities are each priced, where the commissions come from, and why the financial strength of the insurance company behind the contract matters just as much as the product itself. Whether you’re holding mutual funds inside a 401(k), an IRA, or a taxable account — or you’ve been pitched an annuity recently — this episode gives you the questions to ask before you invest another dollar. “If you don’t know what you own in your portfolio — and why — that’s the first thing worth fixing.” Topics Covered How mutual fund fees get absorbed into your net return instead of appearing as a separate line item The difference between A shares, C shares, and institutional share classes — and why the same fund can cost twice as much depending on which one you hold What a 12b-1 fee is and who actually receives it Why actively managed funds tend to carry higher expense ratios than index funds How capital gains distributions can create a tax bill on gains you never benefited from A real example of how a fund family’s share class changes forced unexpected tax consequences on shareholders Portfolio constraints versus portfolio drift, and why both can work against you Index annuities, fixed annuities, and immediate annuities — how each is structured and where the cost is hidden Why surrender charges exist and how they relate to commissions Counterparty risk: why the insurance company’s own investments matter to your guarantee Key Takeaways Your net return already has the fee built in. Mutual fund statements show what’s left after fees are deducted — not a separate fee line — so two investors holding what looks like the same fund can actually be paying very different amounts depending on share class. Share class matters more than most investors realize. One example discussed in the episode showed a global fund charging roughly 0.8% on its A shares versus 1.8% on its C shares — more than double, for the same underlying portfolio. Tax inefficiency can be just as costly as the stated fee. Because mutual funds are pooled investments, other shareholders’ buying and selling can trigger capital gains distributions you owe taxes on — even if you never participated in those gains. A fund’s holdings can drift far from what you originally bought. Without firm constraints, a manager’s strategy can shift significantly over a few years, leaving you holding something very different from what your original research showed. Annuities are mutual funds wrapped inside an insurance contract — and you pay for both layers. Whether it’s an index annuity’s capped participation rate or a variable annuity’s rider fees, the cost is built into the structure even when it isn’t itemized. Surrender charges exist largely to recoup the seller’s commission. Annuity commissions can run as high as 6–8%, and the multi-year surrender schedule helps the insurance company recover that cost if you withdraw early. The insurance company’s financial strength is part of what you’re buying. An annuity’s guarantee is only as good as the company behind it — and recent industry reporting has noted that some insurers are taking on more investment risk, including exposure to private credit, than before the 2008 financial crisis. Transparency is something you’re entitled to ask for. Whether it’s a mutual fund, an annuity, or a managed account, you have the right to know exactly what you own, what it costs, and where your income is coming from. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Podcast tab. Schedule a Complimentary Portfolio Review If you’re not sure whether the funds or annuities in your portfolio are quietly costing you more than you realize, we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400 | Visit: dupreefinancial.com Dupree Financial Group is a fee-only, fiduciary, SEC-registered Registered Investment Advisor. The information presented in this podcast is for informational and educational purposes only and should not be considered a solicitation for the purchase or sale of any security. Past performance is not indicative of future results. Investing involves risk, including possible loss of principal. Please consult with a qualified professional before making any financial decisions.The post Hidden Fees in Mutual Funds & Annuities | The Tom Dupree Show appeared first on Dupree Financial.

Every month, millions of Indians put money into mutual funds through SIPs without really knowing how long to stay invested or what happens when markets crash. ET Wealth's annual SIP study with Crisil Intelligence finally puts hard numbers to these questions. Host and editor ET Wealth Kayezad E Adajania talks to Piyush Gupta, Director at Crisil Intelligence about what 15 years of data across 120 schemes actually shows — the magic of a 10-year SIP, what the COVID crash revealed about short versus long-term investors, why higher returns and more predictable returns are not the same thing, and the basic housekeeping every SIP investor should be doing right now.You can follow Kayezad E Adajania on his social media: X and LinkedinCheck out other interesting episodes like:ET Deep Dive: Swipe Left on Reality,India wants manufacturing at 25% of GDP — will AI in factories help?, Tanay Kothari Wants To Kill The Keyboard, From Doer to Director: The LinkedIn Playbook for the AI Agea, Semaglutide Goes Generic: Big Pharma’s Moat Breaks and much more. Catch the latest episode of ‘The Morning Brief’ on The Economic Times Online, Spotify, Apple Podcasts, JioSaavn, Amazon Music and Youtube.See omnystudio.com/listener for privacy information.

Join Kelley Slaught, owner and CEO of California Wealth Advisors, as she shares insights on retirement income planning, tax strategies, estate planning, and navigating the complexities of retirement finances. Kelley also discusses a proactive approach with inflation during the retirement years. Learn how to avoid common blunders and create a tailored plan for a secure financial future. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.Episode SummaryThe largest IPO in history is here. SpaceX goes public this week with an expected total value of $1.77 trillion, and OpenAI and Anthropic have both announced plans to go public this year at valuations around $1 trillion each. In optometry forums and online communities everywhere, ODs are asking the same question: should I get in?In this episode, we look at 45 years of data and research on how IPOs have actually performed for investors - and then dig into the question that matters more for most listeners: how index funds and other passive funds will add these mega IPOs to their portfolios, and what that means for you.Have questions about your own investment approach? Reach out at podcast@optometrywealth.com.What You'll LearnWhat an IPO is and why 2026's IPOs are historic in sizeHow IPOs have historically performed compared to the broad US stock marketWhy the famous "first-day pop" doesn't benefit everyday investorsThe distribution of individual IPO outcomes over 3 and 5 years — and why most lose moneyWhy periods of peak IPO hype tend to be followed by the worst returnsHow the S&P 500, Russell, CRSP, and MSCI indexes decide when (and how much of) an IPO to includeWhat "float adjustment" means and why these trillion-dollar companies will enter index funds as tiny sliversHow the Nasdaq-100's approach to IPOs differs from broad market indexesWhether index fund "front-running" around IPO inclusions should worry long-term investorsHow factor-based funds like Dimensional handle newly public companiesKey Takeaways for OptometristsInvesting in IPOs right after they go public has historically been a poor strategy. IPOs as a group have trailed the broad market, and when you look at individual companies, roughly 60% lost money over their first three to five years - while a small sliver delivered lottery-like gains that lift the averages. Betting on IPOs means betting you can pick those rare winners.For index fund investors, these mega IPOs will eventually show up in your funds - but because indexes are float-adjusted, even a $1.77 trillion company may enter as a fraction of a percent of the index. The impact on your portfolio, good or bad, is small.The bigger lesson: when hype is at its highest, expected returns tend to be at their lowest. Staying broadly diversified, keeping costs low, and not chasing shiny objects continues to be the prudent approach - and if you do want a lottery ticket, be honest about what it is and size it accordingly.Related Episodes:Ep 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingEp 135: Beyond Indexing – An Optometrist's Guide to Factor-Based InvestingEp 58: Investing Fundamentals – Understanding Stocks, Bonds, Mutual Funds, and ETFsEp 153: How to Invest Tax-Efficiently and Keep More of Your Returns (After-tax)Resources for OptometristsLoughran & Ritter (1995), "The New Issues Puzzle" — Journal of FinanceDimensional Fund Advisors (2019), "What to Know About IPOs" research studyDimensional Fund Advisors 2025 video: Do IPOs Have a Place in Your Portfolio?Jay Ritter's Long-Run Returns on IPOs (University of Florida)2025: Primary Capital Market Transactions and Index FundsCullen Roche's Article: Three Things – 100s, SpaceX, & IndexingWant a more proactive approach to your planning?You can schedule a no-commitment introductory call to discuss what's on your mind financially and learn how we help optometrists navigate those same decisions nationwide.

A highly revealing day for domestic retail liquidity! According to the latest AMFI data, net inflows into actively managed equity schemes dropped sharply to ₹22,908 crore in May.Join us as we unpack the triggers behind this multi-month low, contrast it against the industry's massive ₹81.58 Lakh Crore total AUM, and discuss if systemic investment trends are genuinely cooling down. Get the facts here.

A highly revealing day for domestic retail liquidity! According to the latest AMFI data, net inflows into actively managed equity schemes dropped sharply to ₹22,908 crore in May.Join us as we unpack the triggers behind this multi-month low, contrast it against the industry's massive ₹81.58 Lakh Crore total AUM, and discuss if systemic investment trends are genuinely cooling down. Get the facts here.

A highly revealing day for domestic retail liquidity! According to the latest AMFI data, net inflows into actively managed equity schemes dropped sharply to ₹22,908 crore in May.Join us as we unpack the triggers behind this multi-month low, contrast it against the industry's massive ₹81.58 Lakh Crore total AUM, and discuss if systemic investment trends are genuinely cooling down. Get the facts here.

Kelley discusses essential retirement planning strategies, including Social Security timing, tax planning, and investment diversification, to help listeners build confidence and avoid common pitfalls in their financial journey. 800-810-8060 California Wealth Advisors See omnystudio.com/listener for privacy information.

Kevin discusses retirement strategies during economic uncertainties, including inflation, interest rates, stock market tips, and legacy planning. He emphasizes diversification, risk management, and long-term planning to secure a stable retirement. 480-406-3396 Silver Leaf FinancialSee omnystudio.com/listener for privacy information.

In this episode, Kelley discusses the impact of social media on financial perceptions, the FIRE movement, and how to navigate online financial advice. She emphasizes personalized strategies for retirement planning, avoiding trends, and making informed decisions to achieve financial security. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

On this Suze School episode, Suze tells us why she doesn't like target date mutual funds. She starts by explaining what is happening in the bond market, why oil is a major factor and why you need to be an active investor, even in your retirement accounts. Learn more about the Ultimate Scam Protection program and sign up for Part II of the webinar here: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Most investors obsess over finding the best mutual fund to invest in. But what if avoiding the worst fund matters far more than picking the absolute best? In this episode, host Shrey Chandra sits down with Deepak Shenoy (Founder & CEO, Capitalmind Mutual Fund) and Anoop Vijaykumar (Head of Equity & Fund Manager, Capitalmind Mutual Fund) to tackle one of the most searched questions in personal finance: how to pick mutual funds that actually deliver long-term returns — without constantly second-guessing your choices. Using 10 years of FlexiCap fund data across 18 funds, they reveal why even top-performing funds underperform 30–50% of the time — and why that's completely normal. They also run a "reactive investor" experiment that shows exactly how timing the market destroys returns, and what a disciplined mutual fund portfolio strategy looks like instead. What you'll learn: • The core vs. satellite portfolio framework and how to allocate across funds smartly • Why mutual fund underperformance doesn't always mean you should exit — and when it does • How fund size and AUM can quietly cap your returns — and the red flags to watch • Corporate governance issues and fund manager changes as early warning signs • The hidden tax impact of switching mutual funds that most investors never calculate • When multi-asset mutual funds make sense as a simplified core holding • How many mutual funds you should hold — and why more isn't always better • 3 questions to ask before picking any fund — covering philosophy, size, and hygiene checks Chapters: 0:00 – Intro 1:50 – Introduction to the topic: What's the best mutual fund? 2:22 – Anoop begins: How to think about picking a mutual fund 3:26 – Analysis of FlexiCap funds over 10 years (18 funds compared) 5:15 – Avoiding the worst funds vs. picking the best 5:35 – Rolling underperformance data - what it reveals 7:07 – Even good funds underperform 1/3 to 1/2 of the time 8:09 – Should you sell an underperforming fund? 8:28 – The "reactive investor" experiment - timing the market backfires 9:51 – What to do before and after investing in a fund 12:07 – Argument for style diversification across funds 13:50 – Two types of successful investors 15:39 – Do multi-asset funds simplify everything? 17:45 – Deepak joins: How many mutual funds should you hold? 20:00 – Core vs. satellite portfolio framework 24:44 – Multi-asset funds as a core holding 28:45 – Can you predict the worst funds? (Size, AUM issues) 31:35 – Corporate governance & fund manager changes as red flags 33:59 – Tax impact of switching funds - often overlooked 39:41 – Three questions to pick the right fund for you 49:46 – Expense ratios: are they really that important? 55:13 – Final framework: philosophy, size, hygiene checks 59:48 – Closing thoughts If you've ever wondered why your mutual fund is underperforming or made the common mutual fund mistakes of chasing last year's top fund or switching too frequently — this conversation will reframe how you think about investing entirely. Whether you're a first-time investor or managing a mature portfolio, this is the clearest framework we've put out on mutual fund selection in India.

https://meliagroup.com/ira-management/Mutual fund fees within IRAs can erode hundreds of thousands from your retirement savings. Discover the hidden costs - expense ratios, loads, 12b-1 fees - and learn actionable steps to protect your nest egg from these often-overlooked drains on your future. Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Today's episode is going to be especially useful if you're a Canadian DIY investor and you want to build an optimized, passive, low-cost portfolio, but you still have questions about some of the practical details. For example, should you just buy one all-in-one asset allocation ETF, or is there a benefit to buying the underlying ETFs individually? How much should you care about ETF trading volume? What does liquidity actually mean when we're talking about ETFs? Should you use market orders or limit orders when buying ETFs? And if you're an income-focused investor, what are the pros and cons of building your portfolio around dividends? We also get into the active versus passive investing debate, why it's so difficult for stock pickers and active managers to consistently beat the market over the long term, and how investors can think about risk when comparing traditional bonds with things like low-volatility ETFs. Also as a Build Wealth Canada listener, we have a brand new free issue of Canadian MoneySaver magazine for you. The issue focuses specifically on ETFs here in Canada, I wrote an article for it as well, and you can get the digital version of the entire magazine for free by going to buildwealthcanada.ca/magazine. Our Guests: To help answer these questions, we have two great guests joining us. First, we have Chris White from Canadian MoneySaver Magazine. Chris is also the Head of Research at 5i Research, and you may have heard him on CBC Radio or BNN Bloomberg. We're also joined by popular returning guest Danielle Neziol, who is a very experienced and passionate educator when it comes to DIY investing here in Canada, especially index investing using low-cost ETFs, which, by the way, is literally how I invest all of my own money. Danielle is one of the hosts of the ETF Market Insights YouTube channel, she's a frequent speaker at industry events across Canada, and she works at BMO ETFs, one of the largest ETF providers in Canada so she incredible access to some of the best education, best practices, and resources when it comes to DIY investing here in Canada. Disclaimer: This content is sponsored by BMO Exchange Traded Funds. This content is intended for information purposes only. Build Wealth Canada is compensated under this arrangement by BMO Exchange Traded Funds. The views expressed herein are subject to change without notice. The content contained herein is not, and should not be construed as, investment advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual's investment objectives and professional advice should be obtained with respect to any circumstance. BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. This podcast is for information purposes only. The information contained herein is not, and should not be construed as investment, tax or legal advice to any party. Particular investments and/or trading strategies should be evaluated and professional advice should be obtained with respect to any circumstance. ETF and Mutual Fund portfolio holdings are subject to change without notice at any time. Index returns do not reflect transactions costs or the deduction of other fees and expenses and it is not possible to invest directly in an Index. Past performance is no guarantee of future results. Any statement that necessarily depends on future events may be a forward-looking statement. Forward-looking statements are not guarantees of performance. They involve risks, uncertainties and assumptions. Although such statements are based on assumptions that are believed to be reasonable, there can be no assurance that actual results will not differ materially from expectations. Investors are cautioned not to rely unduly on any forward-looking statements. In connection with any forward-looking statements, investors should carefully consider the areas of risk described in the most recent prospectus. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all dividends or distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated. For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF's prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed and administered by BMO Asset Management Inc., an investment fund manager and a portfolio manager, and a separate legal entity from Bank of Montreal. BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. "BMO" is a registered trademark of Bank of Montreal, used under licence..  

ETF, mutual fund, index fund you've heard all three, but do you know the real difference? Quint and Logan cut through the jargon and explain how each one works, what they cost, and which might make the most sense for your investing strategy. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tom and Don take aim at the persistent myth that active management adds meaningful long-term value, using a new study highlighted by Larry Swedroe showing that 1,260 balanced mutual funds dramatically underperformed simple low-cost index portfolios from 1990–2021. The duo contrasts expensive actively managed balanced funds with inexpensive index strategies like the Vanguard Balanced Index approach, illustrating how fees alone can devastate long-term returns. Along the way, they discuss the emotional challenge of rebalancing, the hidden costs inside broker-sold funds, and why simplicity usually beats complexity in investing. Listener questions cover paying off a high-interest HELOC, whether gold or silver make sense as CD replacements, how advisor fees relate to the 4% withdrawal rule, and the behavioral value of good fiduciary advice. The episode wraps with a detour into collectible stock certificates, including Enron, Washington Mutual, and even Trump Media, proving once again that Talking Real Money can turn almost anything into a financial lesson and a comedy bit.0:05 Satirical opening mocking the “you need a professional” investing pitch0:27 The enduring myth that active management beats indexing1:40 Larry Swedroe study on 1,260 balanced mutual funds vs. index portfolios3:05 Balanced funds underperform across returns and risk-adjusted metrics4:32 Massive fee differences between active funds and index funds6:05 Rebalancing challenges and lousy 401(k) investment menus7:05 American Funds Balanced Fund fee breakdown shocks Don8:49 Vanguard Balanced Index Fund cost comparison9:36 Why advisor fees are different from high mutual fund expenses10:30 Simplicity and low costs win most of the time11:41 Enron stock certificate becomes a lesson on stock-picking risk14:47 Listener question about paying off a 7.1% HELOC19:29 Whether pensions should count as “bond-like” assets21:42 Gold and silver vs. CDs discussion25:40 Does the 4% rule include advisor fees?26:11 Vanguard Advisor Alpha and the behavioral value of advisors27:32 Fiduciary advice, tax management, and preventing investor mistakes28:50 Collectible stock certificates and bizarre eBay discoveries30:48 Closing banter and preview of future unpredictabilityQuestions? Comments? Click!

Have you ever heard the words index fund, mutual fund, or ETF and nodded along like you knew what they meant even though you don't fully understand? You are not alone, and this episode is here to change that.In this episode, Andrea breaks down three of the most important investing products you need to know: index funds, mutual funds, and ETFs. She starts from the very beginning — what a stock is, what a bond is, and why buying individual stocks is riskier and more complicated than most people realize. And then, walks you through what funds actually are, why they exist, and how they make investing simpler, more diversified, and more accessible for everyday investors who are not sitting at a computer researching companies all day.You will learn the key difference between a mutual fund and an index fund, including why the fees you pay matter more than you think. You'll also understand what an ETF is, how it is different from the other two, and why it can be a smarter choice inside a taxable brokerage account. Andrea also shares her own investing journey, and reminds you that starting imperfectly is still the first step. You will walk away knowing how to think through which fund belongs in which type of account and how to build a strategy that runs on autopilot so you can stop stressing and start living.What You'll Learn from this Episode:The difference between a mutual fund and an index fund, including how fees play a roleWhat an ETF is and how it is bought and sold differently than mutual funds and index fundsWhy ETFs can be more tax efficient and when to use them strategicallyWhy starting before you have the perfect strategy is always better than waitingLearn more about 1:1 Money Coaching: ⁠www.buildinggenwealth.com/moneycoaching⁠

This episode features an in-depth conversation with Justin Baer about his book House of Fidelity, exploring how Fidelity Investments helped transform investing from an elite activity into a mainstream necessity. The discussion traces Fidelity's evolution from mutual fund pioneer to 401(k) powerhouse, highlighting its adaptability as active stock picking gave way to index investing (driven in part by figures like Jack Bogle). It also examines the firm's surprising embrace of cryptocurrency under Abigail Johnson, as well as the complex family dynamics that shaped its leadership transition. The broader takeaway: even dominant firms must reinvent themselves—or risk becoming irrelevant.0:05 Intro and setup for special interview episode0:39 Introduction of Justin Baer and House of Fidelity1:11 How Fidelity Investments helped democratize investing2:34 Rise of mutual funds and access for everyday investors2:58 Early role in the growth of 401(k) retirement plans4:12 Shift to direct-to-consumer investing and marketing evolution5:26 Creation and impact of donor-advised funds6:27 Legacy of star managers like Peter Lynch and active investing culture7:31 Decline of stock-picking dominance and need to evolve8:46 Rise of index investing and influence of Jack Bogle10:10 Generational shift in how investors perceive Fidelity11:26 Transition to 401(k) recordkeeping and broader services12:03 Fidelity's early and controversial move into cryptocurrency13:27 Abigail Johnson and the push to innovate14:44 Strategic reasons for exploring blockchain and crypto16:23 Cultural return to experimentation inside Fidelity17:01 Historical willingness to try unconventional ideas20:13 Family dynamics and succession challenges within Fidelity24:52 Abigail Johnson's rise through internal adversity27:14 Near-sale tensions and power struggle within the company29:59 Resolution and eventual leadership transition31:03 Closing thoughts on the book and Fidelity's futureQuestions? Comments? Click!

Global ETF assets have climbed to roughly $20 trillion, and one structure is drawing fresh attention: dual share classes, where a single portfolio can be accessed as both a mutual fund and an ETF. Funmi Osiyale, from J.P. Morgan's ETF sales team, sits down with Dimensional's Joel Schneider and Lauren Olson to explore how the model works and what benefits investors could see — from potential cost savings and tax efficiency to broader access and simpler product lineups. The conversation also covers day-to-day market mechanics, liquidity considerations and what's next for Dimensional's ETF platform.    This episode was recorded on April 14, 2026.   This podcast is intended for institutional clients only. The views expressed in the podcast may not necessarily reflect the views of J.P. Morgan Chase & Co, and its affiliates, together J.P. Morgan, and do not constitute research or recommendation advice or an offer or a solicitation to buy or sell any security or financial instrument. Referenced products and services in this podcast may not be suitable for you and may not be available in all jurisdictions. J.P. Morgan may make markets and trade as principal in securities and other asset classes and financial products that may have been discussed. For additional disclaimers and regulatory disclosures, please visit www.jpmorgan.com/disclosures. Copyright 2026 JPMorgan Chase & Co. All rights reserved.

In this episode, Monika Halan unpacks the transformative potential of India's Account Aggregator framework and why it could fundamentally change the way individuals control and share their financial data. Using everyday examples—from applying for loans to visa documentation—she explains how the traditional system forces people to repeatedly hand over sensitive financial records with little visibility or control. The Account Aggregator model, by contrast, creates a secure, consent-based system where individuals decide exactly what financial information is shared, with whom, and for how long.She highlights why this matters far beyond convenience. Faster access to verified financial data can reduce paperwork, speed up credit decisions, and most importantly, expand access to formal finance for millions whose incomes remain invisible to traditional banking systems. For small business owners, self-employed workers, and informal earners, this framework offers the possibility of building a credible financial history without sacrificing dignity or privacy. At its core, the conversation is about shifting power back to individuals and redefining financial inclusion through technology and informed consent.In listener queries, Keshavan Kasturi asks about evaluating true asset allocation across direct stocks, equity funds, and hybrid funds, where the advice centers on practical portfolio tracking, periodic review, and disciplined rebalancing. Anjana from Thrissur shares the emotional and financial stress of managing high-interest education debt within a new marriage, leading to guidance on debt reduction, strategic use of assets, and building a partnership-based approach to money. Shreya Singhal, at 24, seeks advice on funding higher education while planning for early retirement and a future creative venture, where the recommendation focuses on short-term debt-oriented investing for immediate goals and a long-term equity-led strategy for financial independence.Chapters:(00:00 – 00:00) How Account Aggregators Are Changing Financial Data Ownership(00:00 – 00:00) Why Consent-Based Finance Can Improve Credit Access in India(00:00 – 00:00) Simplifying Asset Allocation Across Stocks, Mutual Funds and Hybrid Funds(00:00 – 00:00) Paying Off High-Interest Debt While Preserving Financial Security(00:00 – 00:00) Investing for Higher Education and Building an Early Retirement PlanIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's book on mutual funds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's workbook on recording your financial life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Calculators⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production House: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.inoutcreatives.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production Assistant:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Anshika Gogoi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For this Suze School, we get a lesson in the history of Exchange Traded Funds, known as ETFs. Suze talks about what led to their creation in the 1990s, why they are so popular today and why she likes them better than Mutual Funds. Plus, Suze rolls out a new way for you to ask your question to the podcast. Learn more about the Ultimate Scam Protection here: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

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This week the “Henssler Money Talks” hosts are focusing on What Everyone Is Asking, because for many investors, financial planning doesn't start with a grand strategy—it starts with the same practical questions coming up again and again, and the need for thoughtful, real-world guidance.We begin with one of the most important relationships in finance: the adviser: Should we shop for financial advisers and if so, how often? When looking for a financial adviser, what should you look for when interviewing them?From there, we take on a growing narrative: do you even need an adviser at all? If you've got a pension, Social Security, a 401(k), and steady income, can you simply piece it together with the help of the internet, AI, and a few trusted voices—or is there more beneath the surface?After the break, we address: Should I liquidate my rental property… or even my personal residence? We'll unpack what's really driving that conversation, and how to think through the trade-offs between cash flow, appreciation, taxes, and opportunity cost—especially when life circumstances begin to shift.We'll close with a foundational question that often gets overlooked: How much do you actually need to start investing? Because getting started is less about hitting a number and more about understanding the discipline behind it.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — April 25, 2026  |  Season 40, Episode 17Timestamps and Chapters9:48: Should I Shop for a Financial Adviser?16:27: Do I Even Need a Financial Adviser?21:08: Should I Pay Everything Off to Be Debt Free?31:25: Should I Liquidate My Property?40:32: How Much Do I Need to Start Investing?Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

This week, we introduce our Q2 2026 "Weight of the Evidence", detailing market movement from Q1 2026 and discussing upcoming trends as enter the second quarter. NDW Senior PM John Lewis and Senior Analyst Miles Clark are joined by Nasdaq expert Yanni Angelakos.

Discussion of Private Credit and how it works Picking Mutual Funds and why it does not workDAF Donor Advised Funds

One wrong portfolio choice can turn a tax-saving strategy into a taxable mistake. Here's how to prevent it. In this episode of The Registered Investment Advisor Podcast, host Seth Greene interviews experienced entrepreneur and investor Jason Marcus, who discusses the realities of building, funding, and scaling companies in today's capital environment. This conversation explains the difference between fast money and smart money, emphasizing why alignment between founders and investors is essential and why disciplined decision-making is more important than market timing. For RIAs advising entrepreneurial clients or investing alongside them, it offers practical insights on navigating volatility and minimizing downside risk. Key Takeaways: → Not all funding is created equal. Strategic investors who bring experience, relationships, and discipline can be far more valuable than simply the highest valuation offer. → Clear expectations between founders and investors, especially around time horizons and exit strategy, can prevent costly misalignment later. → Entrepreneurs often underestimate how long it takes to achieve liquidity. Building financial buffers and exit optionality protects both business and family stability. → Markets fluctuate, industries trend, but disciplined underwriting and thoughtful scaling remain constant drivers of long-term success. → RIAs can add significant value by helping founders think holistically about personal wealth planning, tax strategy, and diversification beyond their primary business asset. Jason Marcus serves as Chief Operating Officer and Chief Compliance Officer at Scharf Investments, where he recently helped lead one of the largest active mutual fund-to-ETF conversions of the year. Blending executive leadership with deep operational expertise, he oversees firm operations, compliance, and strategic execution during pivotal moments of growth and change. Prior to joining Scharf in 2010, Jason spent eight years at Fairholme Capital Management in multiple operational roles during a period of rapid asset expansion, gaining firsthand insight into how structure, scale, and disciplined execution create the foundation for long-term investment success. Connect With Jason: Website: https://scharfinvestments.com/ LinkedIn: https://www.linkedin.com/company/scharfinvestments/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Steve explores hybrid mutual funds and why they deserve more attention, explaining how they combine equities and bonds to balance growth and stability, the different types available, and how they can support a range of investment goals. Speaker:   - Steve Brice, Global Chief Investment Officer, Standard Chartered Bank  

This week, Ian Saunders and Joseph Tuzzolo discuss factor performances for US and International equities, Q1 performance for various asset different asset classes, QQQ's rocky quarter, Gold's reversal higher from oversold territory, and volatility within crude oil.

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden are joined by Zach Kill, CFA® to walk through some of the basics of mutual funds and exchange traded funds (ETFs). They are very similar!  But there are a few differences and pros/cons to both. Similarities: Both are collections of investments purchased with pooled money, usually from many different investors. There is generally a stated purpose for the fund. For example, an S&P 500 ETF and mutual fund are both designed to track the performance of the 500 largest publicly traded companies in the U.S. Both can be either passively managed (most likely following an index) or actively managed with a management team selecting individual companies to buy and sell. Differences include: The timing of trading and pricing. Mutual funds are generally traded and priced at “Net Asset Value” (NAV) as of the end of the day when the trade was initiated. ETFs can be bought and sold throughout the day, similar to stock trading. This can affect things like price and tax efficiency. There are a few other options that we cover in this episode as well.  Listen to the full episode to learn more, including why any of this even matters. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

This week, Miles Clark and Joseph Tuzzolo discuss the changes in our asset class rankings, historical market drawdowns, copper vs gold RS relationships, participation indicators, and the RS Spread between leaders and laggards.

Send us Fan MailMany veterinarians build wealth using mutual funds, but once a portfolio grows into the seven‑figure range, the hidden challenges begin. Taxes you didn't expect. Overlapping holdings you didn't realize you owned. Lack of customization. And far less control than your financial life now requires.In this episode, CJ and Tom break down why mutual funds are often great when you're just getting started—but may cause major hurdles once your portfolio exceeds $1M. You'll learn how taxes can quietly erode wealth, why diversification isn't always what it seems, and how high‑net‑worth investors can regain control by structuring their investments with more precision.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice: Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Sensei Gilliland, founder of Black Belt Investors, shares his 30+ year journey in real estate investing, starting from Florida and expanding to California. He discusses how he transitioned from martial arts business owner to real estate investor, initially learning through seminars, fix-and-flip projects, and remote investing before building a turnkey investment company. The conversation emphasizes the importance of education, problem-solving, disciplined investing, and building investor networks. Sensei highlights mindset, persistence, and consistent small actions as keys to long-term success in real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Send a textDan Sullivan and Andrew Blake, Associate Wealth Director at Cerulli Associates, joins today show. We discuss 5 trends and observations from their 2025 US Intermediary Distribution Report. Got an upcoming summer sales meeting or training day? Reach out directly if you'd like Internal Use Only to participate. Keynotes, panel moderation, workshops, or in-person interviews can bring the show to your sales team this summer. internaluseonlypodcast@gmail.com, or send a DM to the LinkedIn pageFor video clips, tune into our YouTube channelSupport the show

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Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets AND Accounts 7:28 - The Past as a Pacifier 9:35 - What's Free on Wall Street? 13:01 - Diversification is NOT Risk Management 16:34 - Why is "Diversification" Sold as it is? 18:10 - Redefining Diversification 24:31 - The Lunchroom Effect in Mutual Funds 33:16 - Long Term Care - Some People Don't Need It 36:39 - Richard's Search in Cemeteries 37:41 - Long Term Care Planning Around Alzheimer's 40:08 - Who Needs LTC Insurance? 44:35 - Who Doesn't Need LTC Insurance? 48:00 - But If You Really Want LTC Insurance ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9m5uCWh7hWw ------- Watch our previous show, "Passive Aggressive Market: Bogle's Warning Came True," here: https://youtube.com/live/jbpipFjnakQ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PersonalFinance #RetirementPlanning #InvestingStrategy #LongTermCareInsurance #PortfolioManagement

How you invest savings can make a big difference in how much you have later in life. Clark explains ETFs (Exchange-Traded Funds) vs. mutual funds - and the superior choice for your non-retirement accounts.  Also, we love our pets and pet wellness plans may sound like a solid option for affordable vet care – but there's a major catch. ETFs vs Mutual Funds: Segment 1 Ask Clark: Segment 2 Pet Wellness Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ETFs vs Mutual Funds: What's the Difference and When Does It Matter? Where Should I Set Up My Health Savings Account (HSA)? Life Insurance Archives - Clark Howard HSA vs FSA: What's the Difference? - Clark Howard Is Pet Insurance Worth It? - Clark Howard 4 Fastest Ways To Improve Your Credit - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips Southwest changes are infuriating fansClark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the evolution of investing—from individual stocks to mutual funds to Exchange Traded Funds—and why technology is changing how portfolios are built today. If you've ever wondered about Stocks vs ETFs, Stocks vs mutual funds, or ETFs vs mutual funds, this episode breaks down the differences in a way that connects directly to your long-term Retirement Planning goals and overall Investment portfolio strategy.Listen in to learn about how reducing internal costs, understanding expense ratios explained, and improving portfolio efficiency can make a significant impact on your long-term results. Whether you're focused on Stock market investing, building an Index investing strategy, or refining your Retirement investing strategy, this episode will help you better understand how the right structure can help you plan for retirement, follow a smart retirement checklist, and ultimately secure your retirement.In this episode, find out:The real differences in Stocks vs ETFs, Stocks vs mutual funds, and ETFs vs mutual fundsHow technology now allows for efficient Stock indexing without high internal fund costsWhy lowering expense ratios and reducing hidden fees leads to Lower investment fees and better long-term outcomesHow Portfolio rebalancing and index tracking improve your overall Investment portfolio strategyWhen to use individual stocks, Exchange traded funds, or mutual funds inside a complete Retirement financial planTweetable Quotes:“Technology has now allowed us to replicate an index using individual stocks and eliminate layers of internal fund costs.” — Radon Stancil“Our investment philosophy hasn't changed — but the tools we use to make portfolios more efficient absolutely have.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

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