Sound Investing http://paulmerriman.com/podcasts/ Wed, 21 Jun 2017 16:41:17 +0000 en-US hourly 1 https://wordpress.org/?v=4.8 Give us a 5-star review on iTunes!<br /> Sound Investing was named the “Best Money Podcast” by Money Magazine in 2008. It has provided clear, concise advice on money and retirement since 2001a when it began as a radio program. The program is now delivered excusively as a podcast offering market analysis, interviews with some of the best minds in investing, the Outrage of the Week, Top Ten Lists, and general information about how to properly prepare yourself for retirement.<br /> The best way to get Sound Investing is to subscribe to the podcast through iTunes. That way, you won’t miss any of the action and the podcast will automatically download to your computer. And, they are always available here on this site. Thanks for listening – your feedback and questions are always welcome at:info@PaulMerriman.com Paul Merriman clean Paul Merriman info@paulmerriman.com info@paulmerriman.com (Paul Merriman) Sound Investing Sound Investing Sound Investing http://paulmerriman.com/wp-content/uploads/powerpress/SoundInvestingAd.jpg http://paulmerriman.com/podcasts/ Weekly Getting the most out of your 401k http://paulmerriman.com/getting-the-most-out-of-your-401k/ Wed, 21 Jun 2017 10:00:20 +0000 http://paulmerriman.com/?p=12003 http://paulmerriman.com/getting-the-most-out-of-your-401k/#respond http://paulmerriman.com/getting-the-most-out-of-your-401k/feed/ 0 <p>What’s wrong with 401k’s and what can investors do to improve the outcome? Paul poses answers to these questions plus tells the story behind his suggested 401k portfolios, starting in 2011. His intention was to update those plans as the companies made changes.  For a number of reasons the updates didn’t get done.  Now, with […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/getting-the-most-out-of-your-401k/">Getting the most out of your 401k</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>

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What’s wrong with 401k’s and what can investors do to improve the outcome? Paul poses answers to these questions plus tells the story behind his suggested 401k portfolios, starting in 2011. His intention was to update those plans as the companies made changes.  For a number of reasons the updates didn’t get done.  Now, with the help of Tom Cock and Vestory personnel, along with some input from Paul, updates of most of those 100 plans will be coming soon. We need your help in getting us the investment choices those 100 companies are now offering.  When we get caught up with those plans, the intention is to expand the list to many more companies.
 

The post Getting the most out of your 401k appeared first on Paul Merriman.

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What’s wrong with 401k’s and what can investors do to improve the outcome? Paul poses answers to these questions plus tells the story behind his suggested 401k portfolios, starting in 2011. His intention was to update those plans as the companies made ...

What’s wrong with 401k’s and what can investors do to improve the outcome? Paul poses answers to these questions plus tells the story behind his suggested 401k portfolios, starting in 2011. His intention was to update those plans as the companies made changes.  For a number of reasons the updates didn’t get done.  Now, with the help of Tom Cock and Vestory personnel, along with some input from Paul, updates of most of those 100 plans will be coming soon. We need your help in getting us the investment choices those 100 companies are now offering.  When we get caught up with those plans, the intention is to expand the list to many more companies.
 



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Paul Merriman clean 23:44
Invest now or wait for the next correction http://paulmerriman.com/invest-now-wait-next-correction/ Wed, 14 Jun 2017 10:00:16 +0000 http://paulmerriman.com/?p=11995 http://paulmerriman.com/invest-now-wait-next-correction/#respond http://paulmerriman.com/invest-now-wait-next-correction/feed/ 0 <p>  In this first-ever interview by Paul for his weekly podcast, he speaks with blogger and columnist Rob Berger of doughroller.net about some of the most difficult questions investors face in this high flying market.  Like Paul, Rob educates the public with many valuable recommendations and resources.  They discuss the best ways to plan and track your finances […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/invest-now-wait-next-correction/">Invest now or wait for the next correction</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>
 

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In this first-ever interview by Paul for his weekly podcast, he speaks with blogger and columnist Rob Berger of doughroller.net about some of the most difficult questions investors face in this high flying market.  Like Paul, Rob educates the public with many valuable recommendations and resources.  They discuss the best ways to plan and track your finances and investments, Rob’s advice to do-it-yourselfers, and some of the most important considerations for all investors. Here are two links related to Vanguard’s Advisory Service, which is discussed on this podcast: http://www.doughroller.net/investing/vanguard-advisory-services-review/ and http://www.doughroller.net/investing/vanguard-investment-advisory-services/
 

The post Invest now or wait for the next correction appeared first on Paul Merriman.

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  In this first-ever interview by Paul for his weekly podcast, he speaks with blogger and columnist Rob Berger of doughroller.net about some of the most difficult questions investors face in this high flying market.  Like Paul,


In this first-ever interview by Paul for his weekly podcast, he speaks with blogger and columnist Rob Berger of doughroller.net about some of the most difficult questions investors face in this high flying market.  Like Paul, Rob educates the public with many valuable recommendations and resources.  They discuss the best ways to plan and track your finances and investments, Rob’s advice to do-it-yourselfers, and some of the most important considerations for all investors. Here are two links related to Vanguard’s Advisory Service, which is discussed on this podcast: http://www.doughroller.net/investing/vanguard-advisory-services-review/ and http://www.doughroller.net/investing/vanguard-investment-advisory-services/
 



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Paul Merriman clean 48:46
Flexible retirement distributions 2017 update http://paulmerriman.com/flexible-retirement-distributions-2017-update/ Wed, 07 Jun 2017 10:00:04 +0000 http://paulmerriman.com/?p=11956 http://paulmerriman.com/flexible-retirement-distributions-2017-update/#respond http://paulmerriman.com/flexible-retirement-distributions-2017-update/feed/ 0 <p>    In the last podcast, Paul focused on accessing retirement distributions for those using fixed distributions with adjustments for inflation.  This approach is particularly suited for investors who retire without a lot of extra money saved.  If you have not listened to the last podcast, Paul strongly suggests you take the time to learn about the reasons […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/flexible-retirement-distributions-2017-update/">Flexible retirement distributions 2017 update</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>
 

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In the last podcast, Paul focused on accessing retirement distributions for those using fixed distributions with adjustments for inflation.  This approach is particularly suited for investors who retire without a lot of extra money saved.  If you have not listened to the last podcast, Paul strongly suggests you take the time to learn about the reasons he suggests a limit of 4%, plus inflation, be used as the distribution rate.
 
In this new podcast, Paul shows how more than 4% can be taken out of the retirement account, without fear of outliving your money.  In fact, it is likely that many retirees could safely take as much as 6% a year.  Using a flexible distribution strategy, an investor is likely to take out much more money with much less risk.
 
To make the presentation most meaningful please print out distribution tables 2, 3, 7, 11, and 52.  They are available as a group here.

The post Flexible retirement distributions 2017 update appeared first on Paul Merriman.

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    In the last podcast, Paul focused on accessing retirement distributions for those using fixed distributions with adjustments for inflation.  This approach is particularly suited for investors who retire without a lot of extra money saved.


 
In the last podcast, Paul focused on accessing retirement distributions for those using fixed distributions with adjustments for inflation.  This approach is particularly suited for investors who retire without a lot of extra money saved.  If you have not listened to the last podcast, Paul strongly suggests you take the time to learn about the reasons he suggests a limit of 4%, plus inflation, be used as the distribution rate.
 
In this new podcast, Paul shows how more than 4% can be taken out of the retirement account, without fear of outliving your money.  In fact, it is likely that many retirees could safely take as much as 6% a year.  Using a flexible distribution strategy, an investor is likely to take out much more money with much less risk.
 
To make the presentation most meaningful please print out distribution tables 2, 3, 7, 11, and 52.  They are available as a group here.



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Paul Merriman clean 40:39
Taking fixed distributions in retirement 2017 update http://paulmerriman.com/taking-fixed-distributions-retirement-2017-update/ Wed, 31 May 2017 10:00:42 +0000 http://paulmerriman.com/?p=11920 http://paulmerriman.com/taking-fixed-distributions-retirement-2017-update/#respond http://paulmerriman.com/taking-fixed-distributions-retirement-2017-update/feed/ 0 <p>One of the most important decisions an investor will make is how much to take out of their investments in retirement. That, in conjunction with the right balance of equities and fixed income, can lead to smooth sailing or some rough seas during retirement.  In this podcast Paul compares using the S&P 500 equity asset […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/taking-fixed-distributions-retirement-2017-update/">Taking fixed distributions in retirement 2017 update</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>

SoundInvestingAd

One of the most important decisions an investor will make is how much to take out of their investments in retirement. That, in conjunction with the right balance of equities and fixed income, can lead to smooth sailing or some rough seas during retirement.  In this podcast Paul compares using the S&P 500 equity asset class, a worldwide equity allocation and an all-value portfolio along with different percentages of fixed income.  One of the surprises from this new research is the huge difference in dollars can come from the same long-term return from the same balance of equities and fixed income. 

Listeners are encouraged to print out a series of tables to aid in the comparison. Go to this link and see Tables 1, 2, 3, 9, 46, 47, 48, 54, 55, 56, 57 and 63.

The post Taking fixed distributions in retirement 2017 update appeared first on Paul Merriman.

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One of the most important decisions an investor will make is how much to take out of their investments in retirement. That, in conjunction with the right balance of equities and fixed income, can lead to smooth sailing or some rough seas during retirem...

One of the most important decisions an investor will make is how much to take out of their investments in retirement. That, in conjunction with the right balance of equities and fixed income, can lead to smooth sailing or some rough seas during retirement.  In this podcast Paul compares using the S&P 500 equity asset class, a worldwide equity allocation and an all-value portfolio along with different percentages of fixed income.  One of the surprises from this new research is the huge difference in dollars can come from the same long-term return from the same balance of equities and fixed income. 
Listeners are encouraged to print out a series of tables to aid in the comparison. Go to this link and see Tables 1, 2, 3, 9, 46, 47, 48, 54, 55, 56, 57 and 63.




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Paul Merriman clean 58:07
Q&A from AAII presentation, May 20, 2017 http://paulmerriman.com/qa-aaii-presentation-may-20-2017/ Wed, 24 May 2017 10:00:28 +0000 http://paulmerriman.com/?p=11896 http://paulmerriman.com/qa-aaii-presentation-may-20-2017/#respond http://paulmerriman.com/qa-aaii-presentation-may-20-2017/feed/ 0 <p>As promised to the more than 125 attendees of this Puget Sound chapter presentation, Paul answers the following 20 questions. Since many investors have the same or similar concerns, this podcast should be of interest and use to a broad range of investors, from first-time to well into retirement.  1.  If many people invest in […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/qa-aaii-presentation-may-20-2017/">Q&A from AAII presentation, May 20, 2017</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>

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As promised to the more than 125 attendees of this Puget Sound chapter presentation, Paul answers the following 20 questions. Since many investors have the same or similar concerns, this podcast should be of interest and use to a broad range of investors, from first-time to well into retirement. 

1.  If many people invest in small caps, isn’t there a risk of creating a bubble?
2.  How do you apply market timing in your investing strategy?
3.  I’m confused.  You appear to suggest young people should take less risk than older investors.  Wouldn’t you agree young people could take the risk of aggressive actively managed funds?
4.  What do you foresee regarding robo vs. traditional advisors?  Will there be a merger of services?
5.  What is your exit strategy with your own portfolio?
6.  What has changed in your recommendations in the last 10-15 years?
7.  Why didn’t you include international REITs in your Ultimate Buy and Hold strategy?
8.  Do you think investors should include REITs in a taxable account?
9.  Why do you recommend an advisor if I have assets in a Buy and Hold portfolio?
10. I have $2 million in IRAs I am considering converting to a Roth IRA.  Good idea?
11. What investments do you recommend for 20-to-30 year old investors?
12. Now that European elections are done, is it a good time to invest in their equity funds?
13.  Where do you see this market going in the next four year, given the long bull market and the current administration?
14.  How do equal weighted S&P 500 funds compare to cap weighted funds?  What kind of performance do you expect from each group?
15.  Most retirement accounts include 40% to 60% in bonds.  With the likely increase of interest rates do you recommend investors continue owning bonds?
16.  Is there a 2017 update to the Ultimate Buy and Hold Portfolio?
17.  I am 78 years old. I expect to pass half of my investments to my 45-50 year old children. What investment time horizon should I use?
18.  What investment time horizon should I use for international small cap value?
19   Will the stock market tank in the next few months under President Trump?
20,  How do I invest to protect against a crash?

The post Q&A from AAII presentation, May 20, 2017 appeared first on Paul Merriman.

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As promised to the more than 125 attendees of this Puget Sound chapter presentation, Paul answers the following 20 questions. Since many investors have the same or similar concerns, this podcast should be of interest and use to a broad range of investo...

As promised to the more than 125 attendees of this Puget Sound chapter presentation, Paul answers the following 20 questions. Since many investors have the same or similar concerns, this podcast should be of interest and use to a broad range of investors, from first-time to well into retirement. 
1.  If many people invest in small caps, isn’t there a risk of creating a bubble?
2.  How do you apply market timing in your investing strategy?
3.  I’m confused.  You appear to suggest young people should take less risk than older investors.  Wouldn’t you agree young people could take the risk of aggressive actively managed funds?
4.  What do you foresee regarding robo vs. traditional advisors?  Will there be a merger of services?
5.  What is your exit strategy with your own portfolio?
6.  What has changed in your recommendations in the last 10-15 years?
7.  Why didn’t you include international REITs in your Ultimate Buy and Hold strategy?
8.  Do you think investors should include REITs in a taxable account?
9.  Why do you recommend an advisor if I have assets in a Buy and Hold portfolio?
10. I have $2 million in IRAs I am considering converting to a Roth IRA.  Good idea?
11. What investments do you recommend for 20-to-30 year old investors?
12. Now that European elections are done, is it a good time to invest in their equity funds?
13.  Where do you see this market going in the next four year, given the long bull market and the current administration?
14.  How do equal weighted S&P 500 funds compare to cap weighted funds?  What kind of performance do you expect from each group?
15.  Most retirement accounts include 40% to 60% in bonds.  With the likely increase of interest rates do you recommend investors continue owning bonds?
16.  Is there a 2017 update to the Ultimate Buy and Hold Portfolio?
17.  I am 78 years old. I expect to pass half of my investments to my 45-50 year old children. What investment time horizon should I use?
18.  What investment time horizon should I use for international small cap value?
19   Will the stock market tank in the next few months under President Trump?
20,  How do I invest to protect against a crash?



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Paul Merriman clean 1:10:58
May 2017 Update of Fine Tuning Your Asset Allocation http://paulmerriman.com/may-2017-update-fine-tuning-asset-allocation/ Wed, 17 May 2017 10:00:04 +0000 http://paulmerriman.com/?p=11875 http://paulmerriman.com/may-2017-update-fine-tuning-asset-allocation/#respond http://paulmerriman.com/may-2017-update-fine-tuning-asset-allocation/feed/ 0 <p>This is the second of the four most important podcasts I do each year. For those who have listened to previous Fine Tuning Your Asset Allocation podcasts, this one is the best I’ve done. I normally discuss only the implications of investing in the worldwide equity portfolio, along with many combinations of fixed income. The purpose of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/may-2017-update-fine-tuning-asset-allocation/">May 2017 Update of Fine Tuning Your Asset Allocation</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>

SoundInvestingAd

This is the second of the four most important podcasts I do each year. For those who have listened to previous Fine Tuning Your Asset Allocation podcasts, this one is the best I’ve done. I normally discuss only the implications of investing in the worldwide equity portfolio, along with many combinations of fixed income. The purpose of this discussion and the table is to find the right combination of equity and fixed income for you. This discussion covers the combinations of bonds and the S&P, 50% U.S./50% international worldwide equity Portfolio, 70% U.S./30% international equity worldwide portfolio, 50% U.S./50% international all-value equity portfolio and 70% U.S./30% international all-value equity portfolio. You can review the numbers more effectively by downloading the 5 tables at http://paulmerriman.com/fine-tuning-tables-2017/.

The post May 2017 Update of Fine Tuning Your Asset Allocation appeared first on Paul Merriman.

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This is the second of the four most important podcasts I do each year. For those who have listened to previous Fine Tuning Your Asset Allocation podcasts, this one is the best I’ve done. I normally discuss only the implications of investing in the worl...


This is the second of the four most important podcasts I do each year. For those who have listened to previous Fine Tuning Your Asset Allocation podcasts, this one is the best I’ve done. I normally discuss only the implications of investing in the worldwide equity portfolio, along with many combinations of fixed income. The purpose of this discussion and the table is to find the right combination of equity and fixed income for you. This discussion covers the combinations of bonds and the S&P, 50% U.S./50% international worldwide equity Portfolio, 70% U.S./30% international equity worldwide portfolio, 50% U.S./50% international all-value equity portfolio and 70% U.S./30% international all-value equity portfolio. You can review the numbers more effectively by downloading the 5 tables at http://paulmerriman.com/fine-tuning-tables-2017/.



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Paul Merriman clean 49:24
The Reasons for the Ultimate Buy-and-Hold Strategy with DoughRoller Rob Berger http://paulmerriman.com/reasons-ultimate-buy-hold-strategy-doughroller-rob-berger/ Wed, 10 May 2017 10:00:33 +0000 http://paulmerriman.com/?p=11872 http://paulmerriman.com/reasons-ultimate-buy-hold-strategy-doughroller-rob-berger/#respond http://paulmerriman.com/reasons-ultimate-buy-hold-strategy-doughroller-rob-berger/feed/ 0 <p>Paul discusses the Ultimate Buy-and-Hold Strategy – its value to protect your money and provide peace of mind no matter what the market does – and much more, with Rob Berger of DoughRoller, a website dedicated to “making the most of your money.” Rob’s mission is to help people make sense out of the ever-more complicated world of personal finance, investing, and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/reasons-ultimate-buy-hold-strategy-doughroller-rob-berger/">The Reasons for the Ultimate Buy-and-Hold Strategy with DoughRoller Rob Berger</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>

SoundInvestingAd

Paul discusses the Ultimate Buy-and-Hold Strategy – its value to protect your money and provide peace of mind no matter what the market does – and much more, with Rob Berger of DoughRoller, a website dedicated to “making the most of your money.” Rob’s mission is to help people make sense out of the ever-more complicated world of personal finance, investing, and money management. A transcript of the interview can be read here.

The post The Reasons for the Ultimate Buy-and-Hold Strategy with DoughRoller Rob Berger appeared first on Paul Merriman.

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Paul discusses the Ultimate Buy-and-Hold Strategy – its value to protect your money and provide peace of mind no matter what the market does – and much more, with Rob Berger of DoughRoller, a website dedicated to “making the most of your money.

Paul discusses the Ultimate Buy-and-Hold Strategy – its value to protect your money and provide peace of mind no matter what the market does – and much more, with Rob Berger of DoughRoller, a website dedicated to “making the most of your money.” Rob’s mission is to help people make sense out of the ever-more complicated world of personal finance, investing, and money management. A transcript of the interview can be read here.



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Paul Merriman clean 1:14:54
The Ultimate Buy & Hold Portfolio Update 2017 http://paulmerriman.com/ultimate-buy-hold-portfolio-update-2017/ Wed, 03 May 2017 10:00:27 +0000 http://paulmerriman.com/?p=11850 http://paulmerriman.com/ultimate-buy-hold-portfolio-update-2017/#respond http://paulmerriman.com/ultimate-buy-hold-portfolio-update-2017/feed/ 0 <p>  The Ultimate Buy-and-Hold Portfolio Update 2017   Every year Paul updates his Ultimate Buy & Hold Portfolio. In this podcast he covers the original 50/50 U.S. and international equity asset classes, AND the recent all-value portfolio (find those tables here). What if you added each of the asset classes – that have historically led to higher returns […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/ultimate-buy-hold-portfolio-update-2017/">The Ultimate Buy & Hold Portfolio Update 2017</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>
 

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The Ultimate Buy-and-Hold Portfolio Update 2017

 

Every year Paul updates his Ultimate Buy & Hold Portfolio. In this podcast he covers the original 50/50 U.S. and international equity asset classes, AND the recent all-value portfolio (find those tables here). What if you added each of the asset classes – that have historically led to higher returns – without increasing risk? Join Paul to consider the impact. To follow along, Paul recommends that you print out the 2017 Tables and the 2-Fund Portfolio table   

 

keywords: buy and hold, asset class allocation, all value portfolio, return without risk, paul merriman podcast, sound investing

The post The Ultimate Buy & Hold Portfolio Update 2017 appeared first on Paul Merriman.

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  The Ultimate Buy-and-Hold Portfolio Update 2017   Every year Paul updates his Ultimate Buy & Hold Portfolio. In this podcast he covers the original 50/50 U.S. and international equity asset classes, AND the recent all-value portfolio (find those tabl...


The Ultimate Buy-and-Hold Portfolio Update 2017
 
Every year Paul updates his Ultimate Buy & Hold Portfolio. In this podcast he covers the original 50/50 U.S. and international equity asset classes, AND the recent all-value portfolio (find those tables here). What if you added each of the asset classes – that have historically led to higher returns – without increasing risk? Join Paul to consider the impact. To follow along, Paul recommends that you print out the 2017 Tables and the 2-Fund Portfolio table   
 
keywords: buy and hold, asset class allocation, all value portfolio, return without risk, paul merriman podcast, sound investing



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Paul Merriman clean 34:01
The truth about mutual fund performance http://paulmerriman.com/truth-mutual-fund-performance/ Wed, 26 Apr 2017 13:14:57 +0000 http://paulmerriman.com/?p=11845 http://paulmerriman.com/truth-mutual-fund-performance/#respond http://paulmerriman.com/truth-mutual-fund-performance/feed/ 0 <p>The 2017 SPIVA Study – which measures the performance of actively managed funds against their relevant S&P Index benchmarks –is out and the facts are here for investors to see. In this podcast, Paul covers the highlights of the study. The answers to some most important investment questions are found in this report. Are actively or passively managed mutual funds likely […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/truth-mutual-fund-performance/">The truth about mutual fund performance</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>

SoundInvestingAd

The 2017 SPIVA Study – which measures the performance of actively managed funds against their relevant S&P Index benchmarks –is out and the facts are here for investors to see. In this podcast, Paul covers the highlights of the study. The answers to some most important investment questions are found in this report. Are actively or passively managed mutual funds likely to get the highest returns? What is the difference in return likely to be? You may be surprised how few actively managed funds go out of business through mergers or closure. And you also may be surprised how few funds maintain their investment style over time, the very thing which investors think they are getting.

The post The truth about mutual fund performance appeared first on Paul Merriman.

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The 2017 SPIVA Study – which measures the performance of actively managed funds against their relevant S&P Index benchmarks –is out and the facts are here for investors to see. In this podcast, Paul covers the highlights of the study.





The 2017 SPIVA Study – which measures the performance of actively managed funds against their relevant S&P Index benchmarks –is out and the facts are here for investors to see. In this podcast, Paul covers the highlights of the study. The answers to some most important investment questions are found in this report. Are actively or passively managed mutual funds likely to get the highest returns? What is the difference in return likely to be? You may be surprised how few actively managed funds go out of business through mergers or closure. And you also may be surprised how few funds maintain their investment style over time, the very thing which investors think they are getting.







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Paul Merriman clean 26:11
How financial “Fake News” can ruin your financial future. http://paulmerriman.com/financial-fake-news-can-ruin-financial-future/ Wed, 19 Apr 2017 10:00:39 +0000 http://paulmerriman.com/?p=11764 http://paulmerriman.com/financial-fake-news-can-ruin-financial-future/#respond http://paulmerriman.com/financial-fake-news-can-ruin-financial-future/feed/ 0 <p>I am thrilled to introduce George Sisti  one of the smartest people in the field of personal financial planning, as well as asset allocation.  I think the best way to introduce George’s work is to share a couple of his recent articles. In the first, George discusses the possible impact of “Fake News” on an investors’ […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/financial-fake-news-can-ruin-financial-future/">How financial “Fake News” can ruin your financial future.</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>

SoundInvestingAd

I am thrilled to introduce George Sisti  one of the smartest people in the field of personal financial planning, as well as asset allocation.  I think the best way to introduce George’s work is to share a couple of his recent articles. In the first, George discusses the possible impact of “Fake News” on an investors’ financial future. He ends the article with one of the best pieces of original advice I’ve read.  Don’t miss it! In the second article, “The Illusion of Wealth,” he discusses the important choice between whether to annuitize your 401k or roll it over to an IRA. Stay tuned for his advice at the end of the podcast. By the way, George is a long time personal friend. We have some differences of opinion but I have never heard him give a bad piece of advice. To read these articles, click here.

The post How financial “Fake News” can ruin your financial future. appeared first on Paul Merriman.

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I am thrilled to introduce George Sisti  one of the smartest people in the field of personal financial planning, as well as asset allocation.  I think the best way to introduce George’s work is to share a couple of his recent articles. In the first,
I am thrilled to introduce George Sisti  one of the smartest people in the field of personal financial planning, as well as asset allocation.  I think the best way to introduce George’s work is to share a couple of his recent articles. In the first, George discusses the possible impact of “Fake News” on an investors’ financial future. He ends the article with one of the best pieces of original advice I’ve read.  Don’t miss it! In the second article, “The Illusion of Wealth,” he discusses the important choice between whether to annuitize your 401k or roll it over to an IRA. Stay tuned for his advice at the end of the podcast. By the way, George is a long time personal friend. We have some differences of opinion but I have never heard him give a bad piece of advice. To read these articles, click here.



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Paul Merriman clean 41:16
How to select the best Motif portfolio for you. http://paulmerriman.com/select-best-motif-portfolio/ Wed, 12 Apr 2017 10:00:32 +0000 http://paulmerriman.com/?p=11757 <p>Are you daunted by the long list of Merriman Motif portfolios? In this podcast Paul explains why he offers so many portfolios and how investors may choose from among the offerings. The Fine Tuning Your Asset Allocation Tables that support each of the portfolios can be found here.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/select-best-motif-portfolio/">How to select the best Motif portfolio for you.</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Are you daunted by the long list of Merriman Motif portfolios? In this podcast Paul explains why he offers so many portfolios and how investors may choose from among the offerings. The Fine Tuning Your Asset Allocation Tables that support each of the p... Paul Merriman clean 38:06 Risk, return and most important investor lessons http://paulmerriman.com/risk-return-important-investor-lessons/ Wed, 05 Apr 2017 10:10:37 +0000 http://paulmerriman.com/?p=11688 <p>In a recent interview on Ken’s Bulls and Bears, Ken Roberts and Paul discuss a range of topics including the differences between the expected risk and return of small cap value mutual funds and ETFs, the steps that investors can take to invest for an early retirement, the most important facts that every investor should […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/risk-return-important-investor-lessons/">Risk, return and most important investor lessons</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In a recent interview on Ken’s Bulls and Bears, Ken Roberts and Paul discuss a range of topics including the differences between the expected risk and return of small cap value mutual funds and ETFs, the steps that investors can take to invest for an e... Paul Merriman clean 43:36 Motif Investing and the Tale of Two Emails http://paulmerriman.com/tale-two-emails/ Wed, 05 Apr 2017 10:00:23 +0000 http://paulmerriman.com/?p=11692 <p>In this podcast Paul reads and comments on a letter from a regular listener.  The letter discusses  what the investor is doing for her 3 children and the concerns she has when the children are old enough to cash out the proceeds.  The letter also offers some of the confusion she had when she first contacted Motif […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/tale-two-emails/">Motif Investing and the Tale of Two Emails</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast Paul reads and comments on a letter from a regular listener.  The letter discusses  what the investor is doing for her 3 children and the concerns she has when the children are old enough to cash out the proceeds. Paul Merriman clean 43:04 Motif Investing Q & A http://paulmerriman.com/motif-investing-q/ Wed, 29 Mar 2017 10:00:05 +0000 http://paulmerriman.com/?p=11664 <p>The new Motif Investing portfolios – based on Paul’s Ultimate Buy-and-Hold portfolio strategies – have generated a lot of questions. Paul discusses whether it makes sense to move large accounts from Vanguard to Motif, what kind of investors will probably get the most out of Motif long term, the conflicts of interest now that Paul’s […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/motif-investing-q/">Motif Investing Q & A</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The new Motif Investing portfolios – based on Paul’s Ultimate Buy-and-Hold portfolio strategies – have generated a lot of questions. Paul discusses whether it makes sense to move large accounts from Vanguard to Motif, Paul Merriman clean 44:20 2017 Update: Fine-Tuning Your Asset Allocations http://paulmerriman.com/2017-update-fine-tuning-asset-allocations/ Wed, 22 Mar 2017 10:00:11 +0000 http://paulmerriman.com/?p=11630 <p>Paul discusses the latest update of the Fine-Tuning Your Asset Allocation tables, which compare three different portfolio scenarios.  In this podcast he focuses on the Ultimate Buy-and-Hold All-Value Equity Portfolio. The “Fine-Tuning Tuning Your Asset Allocation” table – created and updated by Paul and Rich Buck for 15 years – allows investors to compare possible returns and likely risks of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/2017-update-fine-tuning-asset-allocations/">2017 Update: Fine-Tuning Your Asset Allocations</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses the latest update of the Fine-Tuning Your Asset Allocation tables, which compare three different portfolio scenarios.  In this podcast he focuses on the Ultimate Buy-and-Hold All-Value Equity Portfolio. Paul Merriman clean 42:55 Understand one-click Ultimate Buy and Hold portfolios at Motif Investing http://paulmerriman.com/understand-one-click-ultimate-buy-hold-portfolios-motif-investing/ Wed, 15 Mar 2017 10:00:52 +0000 http://paulmerriman.com/?p=11621 <p>Paul talks with collaborator Chris Pedersen about the new Motif Investing portfolios they created based on Paul’s Ultimate Buy and Hold portfolio strategies and sound investing principles. These portfolios were created to make it simple and inexpensive for anyone with a minimum of $300 to get started investing now; and also for those more-seasoned investors to […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/understand-one-click-ultimate-buy-hold-portfolios-motif-investing/">Understand one-click Ultimate Buy and Hold portfolios at Motif Investing</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul talks with collaborator Chris Pedersen about the new Motif Investing portfolios they created based on Paul’s Ultimate Buy and Hold portfolio strategies and sound investing principles. These portfolios were created to make it simple and inexpensive... Paul Merriman clean 50:11 Introducing the The Best, Easiest, Lowest-Cost Way To Invest http://paulmerriman.com/introducing-best-easiest-lowest-cost-way-invest/ Wed, 15 Mar 2017 10:00:42 +0000 http://paulmerriman.com/?p=11618 <p>Paul explains why he’s excited to offer this new, easy, low-cost way to implement his Ultimate Buy and Hold portfolio recommendations, and invest wisely for the long term. To learn more about Paul’s “one-click-and-you-re-done” portfolios at Motif Investing, Click here.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/introducing-best-easiest-lowest-cost-way-invest/">Introducing the The Best, Easiest, Lowest-Cost Way To Invest</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul explains why he’s excited to offer this new, easy, low-cost way to implement his Ultimate Buy and Hold portfolio recommendations, and invest wisely for the long term. To learn more about Paul’s “one-click-and-you-re-done” portfolios at Motif Inves... Paul Merriman clean 35:36 10 ways to protect your investments from the next bear market. http://paulmerriman.com/10-ways-protect-investments-next-bear-market/ Thu, 09 Mar 2017 11:00:47 +0000 http://paulmerriman.com/?p=11568 <p>We know the 8 year market is unlikely to go for much longer.  In this recording I made for PBS, I cover 10 ways to protect your hard earned gains from the coming bear market.  If you don’t have your defense in place maybe one of these 10 will feel right.  Of course young investors […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-ways-protect-investments-next-bear-market/">10 ways to protect your investments from the next bear market.</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> We know the 8 year market is unlikely to go for much longer.  In this recording I made for PBS, I cover 10 ways to protect your hard earned gains from the coming bear market.  If you don’t have your defense in place maybe one of these 10 will feel righ... Paul Merriman clean 22:57 The Perfect Investment http://paulmerriman.com/the-perfect-investment/ Wed, 01 Mar 2017 11:00:54 +0000 http://paulmerriman.com/?p=11552 <p>Of course there is no such thing as a perfect investment, but what would it look like if all your investment wishes could come true? This podcast is from a series, “Financial Fitness After 50,” that Paul recorded for Public Broadcasting Service (PBS) in 2011 as a premium for those who donated to their local […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-perfect-investment/">The Perfect Investment</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Of course there is no such thing as a perfect investment, but what would it look like if all your investment wishes could come true? This podcast is from a series, “Financial Fitness After 50,” that Paul recorded for Public Broadcasting Service (PBS) i... Paul Merriman clean 24:40 Is passive indexing a delusion? http://paulmerriman.com/passive-indexing-delusion/ Wed, 22 Feb 2017 11:00:30 +0000 http://paulmerriman.com/?p=11526 <p>Joe Shaefer of Stanford Wealth Management, an old friend of more than 30 years, recently wrote an article for Seeking Alpha.  “Passive Index Investing is a Delusion” is an active manager’s view of investing in indexes.  In the podcast I address Joe’s views of why index investing is a losing strategy and why I think […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/passive-indexing-delusion/">Is passive indexing a delusion?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Joe Shaefer of Stanford Wealth Management, an old friend of more than 30 years, recently wrote an article for Seeking Alpha.  “Passive Index Investing is a Delusion” is an active manager’s view of investing in indexes. Paul Merriman clean 34:09 Finding a fiduciary, plus Vanguard vs. DFA http://paulmerriman.com/finding-fiduciary-plus-vanguard-vs-dfa/ Wed, 15 Feb 2017 11:00:15 +0000 http://paulmerriman.com/?p=11516 <p>With all the speculation about the future of fiduciaries, I felt it was time to make some remarks about important differences between those inside and outside the world of commissions. But, as you’ll discover, even a fee-only fiduciary can give terrible advice.  Plus, having just spoken at a conference sponsored by a local DFA advisor, […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/finding-fiduciary-plus-vanguard-vs-dfa/">Finding a fiduciary, plus Vanguard vs. DFA</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> With all the speculation about the future of fiduciaries, I felt it was time to make some remarks about important differences between those inside and outside the world of commissions. But, as you’ll discover, Paul Merriman clean 38:10 Three decisions to reach your “early retirement” goal http://paulmerriman.com/three-important-steps-early-retirement/ Wed, 08 Feb 2017 11:00:49 +0000 http://paulmerriman.com/?p=11484 <p>There are three huge decisions that will likely lead to reaching the “early retirement” goal. Paul discusses why these three decisions are key, and shares stories about those who have been successful in reaching their financial freedom goal. How important is it to have a spouse who has agreed to the challenges of being an […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/three-important-steps-early-retirement/">Three decisions to reach your “early retirement” goal</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> There are three huge decisions that will likely lead to reaching the “early retirement” goal. Paul discusses why these three decisions are key, and shares stories about those who have been successful in reaching their financial freedom goal. Paul Merriman clean 39:57 The biggest investment mistake I know (“Outrage of the Year #1”) http://paulmerriman.com/biggest-investment-mistake-know-outrage-year-1/ Wed, 01 Feb 2017 11:00:06 +0000 http://paulmerriman.com/?p=11471 <p>If you are one of the millions of people who are considering an insurance product as part of your retirement plan, listen to this! It is hard to believe that an insurance company would ever pay a 12% commission on a million dollar investment if the product promised everything a person could want in retirement, […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/biggest-investment-mistake-know-outrage-year-1/">The biggest investment mistake I know (“Outrage of the Year #1”)</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> If you are one of the millions of people who are considering an insurance product as part of your retirement plan, listen to this! It is hard to believe that an insurance company would ever pay a 12% commission on a million dollar investment if the pro... Paul Merriman clean 28:21 How to invest during a Trump Presidency and more http://paulmerriman.com/invest-trump-presidency/ Wed, 25 Jan 2017 11:00:55 +0000 http://paulmerriman.com/?p=11354 <p>There are a lot of questions about the upcoming changes of the Trump presidency, coupled with a cooperative Congress. Some experts are saying it’s time to get out of the market, while others are making lists of the reasons there is a bigger and longer bull market in the works. Paul shares how he thinks […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/invest-trump-presidency/">How to invest during a Trump Presidency and more</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> There are a lot of questions about the upcoming changes of the Trump presidency, coupled with a cooperative Congress. Some experts are saying it’s time to get out of the market, while others are making lists of the reasons there is a bigger and longer ... Paul Merriman clean 38:38 Investing vs. Speculating: The case for diversification http://paulmerriman.com/investing-vs-speculating-case-diversification/ Wed, 18 Jan 2017 11:00:38 +0000 http://paulmerriman.com/?p=11340 <p>One of the biggest mistakes investors make is not to diversify sufficiently to virtually eliminate stock or company risk. Paul reads part of two important articles. In “Speculating versus investing: The buying of individual stocks,” Larry Swedroe discusses the reasons owning individual stocks is an approach that requires taking more risk without an additional return. […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/investing-vs-speculating-case-diversification/">Investing vs. Speculating: The case for diversification</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> One of the biggest mistakes investors make is not to diversify sufficiently to virtually eliminate stock or company risk. Paul reads part of two important articles. In “Speculating versus investing: The buying of individual stocks, Paul Merriman clean 32:58 Outrages, Q&A’s, a correction and a coming attraction http://paulmerriman.com/outrages-qas-correction-coming-attraction/ Wed, 11 Jan 2017 11:00:47 +0000 http://paulmerriman.com/?p=11330 <p>Paul expresses three outrages, exposing the dirty tricks some advisors use to exaggerate their performance. He also corrects a mistake on his last podcast regarding mid-cap funds, and answers several questions from listeners: Is it time to get out of small cap funds and get into TIPS? What ETFs do you recommend to put the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/outrages-qas-correction-coming-attraction/">Outrages, Q&A’s, a correction and a coming attraction</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul expresses three outrages, exposing the dirty tricks some advisors use to exaggerate their performance. He also corrects a mistake on his last podcast regarding mid-cap funds, and answers several questions from listeners: Is it time to get out of s... Paul Merriman clean 53:06 What worked and what didn’t in 2016 http://paulmerriman.com/worked-didnt-2016/ Wed, 04 Jan 2017 11:00:09 +0000 http://paulmerriman.com/?p=11319 <p>Paul reviews the returns of his recommended asset classes for the 1 and 15 years ending 2016. He also compares the most important factors of the DFA and Vanguard small cap value funds, as well as the returns of all the major asset classes for the two fund families. And he discusses how the small […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/worked-didnt-2016/">What worked and what didn’t in 2016</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul reviews the returns of his recommended asset classes for the 1 and 15 years ending 2016. He also compares the most important factors of the DFA and Vanguard small cap value funds, as well as the returns of all the major asset classes for the two f... Paul Merriman clean 39:26 31 important rules of financial fitness http://paulmerriman.com/31-important-rules-financial-fitness/ Wed, 28 Dec 2016 11:00:47 +0000 http://paulmerriman.com/?p=11315 <p>This podcast is from the PBS show “Financial Fitness After 50,” Paul discusses 31 important ‘rules of the road’ to financial fitness. Understanding these lessons, investors are likely to ensure they enjoy a lifetime of investment success. The rules include many of the important investment decisions investors must make, as well as how to deal […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/31-important-rules-financial-fitness/">31 important rules of financial fitness</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast is from the PBS show “Financial Fitness After 50,” Paul discusses 31 important ‘rules of the road’ to financial fitness. Understanding these lessons, investors are likely to ensure they enjoy a lifetime of investment success. Paul Merriman clean 49:58 How to Avoid the Big Mistakes Pre-Retirees Make http://paulmerriman.com/avoid-big-mistakes-pre-retirees-make/ Wed, 21 Dec 2016 11:00:32 +0000 http://paulmerriman.com/?p=11290 <p>This podcast is recorded from the 2011 CD collection recorded for the premium package for the “Financial Fitness After 50” PBS show.  There is lots of advice for first time investors, as well as retirees, but some of the biggest mistakes are made within a few years of retirement.  If even one of Paul’s warning […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/avoid-big-mistakes-pre-retirees-make/">How to Avoid the Big Mistakes Pre-Retirees Make</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast is recorded from the 2011 CD collection recorded for the premium package for the “Financial Fitness After 50” PBS show.  There is lots of advice for first time investors, as well as retirees, but some of the biggest mistakes are made withi... Paul Merriman clean 24:45 Ken Roberts’ Bulls and Bears – A Radio Interview with Paul Merriman 12-5-16 http://paulmerriman.com/ken-roberts-bulls-bears-radio-interview-paul-merriman-12-5-16/ Wed, 14 Dec 2016 11:00:52 +0000 http://paulmerriman.com/?p=11283 <p>Fellow Retirementor Ken Roberts always has a long list of questions for me on his Ken’s Bull and Bears Report.  In this interview Ken asks questions about stock performance in a growing economy, how to beat the market, the need for professional advisors, lessons learned from the Trump election, my favorite Bogle quotes and  how […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/ken-roberts-bulls-bears-radio-interview-paul-merriman-12-5-16/">Ken Roberts’ Bulls and Bears – A Radio Interview with Paul Merriman 12-5-16</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Fellow Retirementor Ken Roberts always has a long list of questions for me on his Ken’s Bull and Bears Report.  In this interview Ken asks questions about stock performance in a growing economy, how to beat the market, Paul Merriman clean 43:01 The Death of Equities http://paulmerriman.com/the-death-of-equities/ Wed, 07 Dec 2016 11:00:52 +0000 http://paulmerriman.com/?p=11244 <p>The most common question I get is focused on the likelihood of abnormally low future returns on stocks.  This is not only a common question today, it is one of the most common questions investors have after any difficult market period.  How can anyone possibly know what happens next?  There is always a list of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-death-of-equities/">The Death of Equities</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The most common question I get is focused on the likelihood of abnormally low future returns on stocks.  This is not only a common question today, it is one of the most common questions investors have after any difficult market period. Paul Merriman clean 42:03 How to make a million dollars with your smartphone http://paulmerriman.com/make-million-dollars-smartphone/ Wed, 30 Nov 2016 11:00:45 +0000 http://paulmerriman.com/?p=11225 <p>We are surrounded by people who lie. Experts say we lie on a regular basis, so the fact that our politicians, corporations and those trying to sell us something often lie should not be a surprise. Paul wants investors to search hard for the truth, not just by others but also lies we tell ourselves. […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/make-million-dollars-smartphone/">How to make a million dollars with your smartphone</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> We are surrounded by people who lie. Experts say we lie on a regular basis, so the fact that our politicians, corporations and those trying to sell us something often lie should not be a surprise. Paul wants investors to search hard for the truth, Paul Merriman clean 37:31 Lessons From the World’s Most Famous Investors http://paulmerriman.com/lessons-worlds-famous-investors/ Wed, 23 Nov 2016 11:00:43 +0000 http://paulmerriman.com/?p=11216 <p>Warren Buffet, Peter Lynch, John Bogle and Ben Franklin and more… Paul discusses some of the most meaningful financial quotes and suggests that reviewing such quotes once a year may help you be more committed to and focused on the most important investment basics.This recording was produced for Public Broadcasting Service (PBS) as part of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/lessons-worlds-famous-investors/">Lessons From the World’s Most Famous Investors</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Warren Buffet, Peter Lynch, John Bogle and Ben Franklin and more… Paul discusses some of the most meaningful financial quotes and suggests that reviewing such quotes once a year may help you be more committed to and focused on the most important invest... Paul Merriman clean 34:21 What will the market do under President Trump? http://paulmerriman.com/what-will-the-market-do-under-president-trump/ Wed, 16 Nov 2016 17:00:57 +0000 http://paulmerriman.com/?p=11202 <p>What will market do under President Trump? And 12 other important investment Q&A’s When Paul addressed members of the community in a seminar co-sponsored by the Bainbridge Community Foundation on Nov. 3, 2016, he was unable to answer all questions at the time but agreed to do so through this special podcast. Here are the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-will-the-market-do-under-president-trump/">What will the market do under President Trump?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> What will market do under President Trump? And 12 other important investment Q&A’s When Paul addressed members of the community in a seminar co-sponsored by the Bainbridge Community Foundation on Nov. 3, 2016, Paul Merriman clean 53:49 Paul Merriman: 12 Investment Decisions Guaranteed to Change Your Financial Future http://paulmerriman.com/paul-merriman-12-investment-decisions-guaranteed-change-financial-future/ Wed, 09 Nov 2016 11:00:21 +0000 http://paulmerriman.com/?p=11195 <p>Sam Marks from Invest Like a Boss planned a 30-minute interview, but he and Paul were having so much fun it lasted over an hour. Here is what Sam wrote about the interview: Paul Merriman is an internationally recognized authority on mutual funds, index investing, asset allocation modelling and buy-and-hold strategies. He has over 50 years of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/paul-merriman-12-investment-decisions-guaranteed-change-financial-future/">Paul Merriman: 12 Investment Decisions Guaranteed to Change Your Financial Future</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Sam Marks from Invest Like a Boss planned a 30-minute interview, but he and Paul were having so much fun it lasted over an hour. Here is what Sam wrote about the interview: Paul Merriman is an internationally recognized authority on mutual funds, Paul Merriman clean The ultimate all value equity portfolio http://paulmerriman.com/ultimate-value-equity-portfolio/ Wed, 02 Nov 2016 10:00:57 +0000 http://paulmerriman.com/?p=11179 <p>The 2-fund value portfolio may offer higher returns How can young investors prudently reach for higher rates of return?  The most dependable approach is building a portfolio of all value ETFs or mutual funds. In the last podcast I focused on an all-value portfolio comprised of U.S. large and small-cap value asset classes.  But it even gets […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/ultimate-value-equity-portfolio/">The ultimate all value equity portfolio</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The 2-fund value portfolio may offer higher returns How can young investors prudently reach for higher rates of return?  The most dependable approach is building a portfolio of all value ETFs or mutual funds. Paul Merriman clean 20:11 This 2 fund solution leaves the S&P 500 in the dust http://paulmerriman.com/2-fund-solution-leaves-sp-500-dust/ Wed, 26 Oct 2016 10:00:37 +0000 http://paulmerriman.com/?p=11135 <p>Examining 88 years of returns and risks of an all-value portfolio, Paul explains why young investors might legitimately consider a 100% all-value portfolio, while the combination of these asset classes should account for only a small part of a retiree’s portfolio. In the discussion of this 2-Fund Combo, Paul suggests a number of related and useful articles […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/2-fund-solution-leaves-sp-500-dust/">This 2 fund solution leaves the S&P 500 in the dust</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Examining 88 years of returns and risks of an all-value portfolio, Paul explains why young investors might legitimately consider a 100% all-value portfolio, while the combination of these asset classes should account for only a small part of a retiree’... Paul Merriman clean 35:21 The worst bear market that nobody ever talks about http://paulmerriman.com/worst-bear-market-nobody-ever-talks/ Wed, 19 Oct 2016 10:00:33 +0000 http://paulmerriman.com/?p=11130 <p>Paul examines the difficult bear market of 1973-74, preparing investors for a long bear market struggle and demonstrating the value asset classes can hold up well on the way down, as well as bounce back strongly after the market turns around. For more on the subject, click here-http://theirrelevantinvestor.com/2016/05/04/the-worst-bear-market-that-nobody-ever-talks-about/    </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/worst-bear-market-nobody-ever-talks/">The worst bear market that nobody ever talks about</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul examines the difficult bear market of 1973-74, preparing investors for a long bear market struggle and demonstrating the value asset classes can hold up well on the way down, as well as bounce back strongly after the market turns around. Paul Merriman clean 14:46 Is John Bogle the best source of investment advice? http://paulmerriman.com/john-bogle-best-source-investment-advice/ Wed, 12 Oct 2016 10:00:39 +0000 http://paulmerriman.com/?p=11089 <p>John Bogle and Burton Malkiel wrote an article for the Wall Street Journal titled “Turn on a Paradigm” in which they make the case for capitalization-weighted indexing over indexes focused on value and small-cap stocks. Paul offers his justification for adding small-cap and value to an equity portfolio, based on the academic research of Eugene Fama […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/john-bogle-best-source-investment-advice/">Is John Bogle the best source of investment advice?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> John Bogle and Burton Malkiel wrote an article for the Wall Street Journal titled “Turn on a Paradigm” in which they make the case for capitalization-weighted indexing over indexes focused on value and small-cap stocks. Paul Merriman clean 29:07 How to defend against bear market losses and other questions http://paulmerriman.com/defend-bear-market-losses-questions/ Wed, 05 Oct 2016 10:00:18 +0000 http://paulmerriman.com/?p=11036 <p>Paul discusses three current topics: 1.  Do you still believe in the Ultimate Equity Buy and Hold Strategy for someone close to retirement? 2. With the market selling at record levels, is it time to consider a bear market fund to defend against big loses? 3. How can the combination of a great short-term track record and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/defend-bear-market-losses-questions/">How to defend against bear market losses and other questions</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses three current topics: 1.  Do you still believe in the Ultimate Equity Buy and Hold Strategy for someone close to retirement? 2. With the market selling at record levels, is it time to consider a bear market fund to defend against big los... Paul Merriman clean 27:08 The 1/2 Percent Difference http://paulmerriman.com/12-percent-difference/ Wed, 28 Sep 2016 10:00:03 +0000 http://paulmerriman.com/?p=10979 <p>In this interview with Jimmy Dot Direct & Stan The Annuity Man, Paul discusses the impact of an extra 1/2 percent, loss expectations with different combinations of stocks and bonds, and other topics important for both first-time investors to those getting ready for retirement. For those interested in immediate life annuities, get Stan’s free books on […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/12-percent-difference/">The 1/2 Percent Difference</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this interview with Jimmy Dot Direct & Stan The Annuity Man, Paul discusses the impact of an extra 1/2 percent, loss expectations with different combinations of stocks and bonds, and other topics important for both first-time investors to those gett... Paul Merriman clean 31:47 Lessons from “How to Think About Money” by Jonathan Clements http://paulmerriman.com/lessons-think-money-jonathan-clements/ Wed, 21 Sep 2016 10:00:24 +0000 http://paulmerriman.com/?p=10954 <p>Paul reviews Clements’ new book, “How to Think About Money,” highlighting key topics from each chapter and encouraging you to purchase this book for any first-time investor… reading it before passing it along. This informative book can motivate first-time investors to increase their savings rate, put more long-term savings into equites and stick to low-cost […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/lessons-think-money-jonathan-clements/">Lessons from “How to Think About Money” by Jonathan Clements</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul reviews Clements’ new book, “How to Think About Money,” highlighting key topics from each chapter and encouraging you to purchase this book for any first-time investor… reading it before passing it along. Paul Merriman clean 57:36 How to select the best financial advisor http://paulmerriman.com/select-best-financial-advisor/ Wed, 14 Sep 2016 10:00:58 +0000 http://paulmerriman.com/?p=10936 <p>In this first of a 10-part CD series produced for the PBS Show, “Financial Fitness After 50” (2012), Paul discusses how to identify an advisor who will provide all the services you need to ensure you maximize the advantage of working with a professional. He’ll also show you how to tell if the advisor is […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/select-best-financial-advisor/">How to select the best financial advisor</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this first of a 10-part CD series produced for the PBS Show, “Financial Fitness After 50” (2012), Paul discusses how to identify an advisor who will provide all the services you need to ensure you maximize the advantage of working with a professiona... Paul Merriman clean 40:49 10 lessons from 80 years of history http://paulmerriman.com/10-lessons-80-years-history/ Wed, 07 Sep 2016 10:00:00 +0000 http://paulmerriman.com/?p=10924 <p>Over the last 3 years the S&P 500 has been the best performer of all the asset classes, as shown in the table of returns at http://paulmerriman.com/decade-returns/. That might easily lead investors to conclude that it’s a waste of extra risk to add the other asset classes to a portfolio (small cap, value and international). This […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-lessons-80-years-history/">10 lessons from 80 years of history</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Over the last 3 years the S&P 500 has been the best performer of all the asset classes, as shown in the table of returns at http://paulmerriman.com/decade-returns/. That might easily lead investors to conclude that it’s a waste of extra risk to add the... Paul Merriman clean 20:23 MASTERING YOUR MONEY http://paulmerriman.com/mastering-your-money/ Wed, 31 Aug 2016 10:00:27 +0000 http://paulmerriman.com/?p=10906 <p>Mastering Your Money™ is a 30-minute educational radio program designed to give individuals and business owners directions to turbo charge their ride on the Financial Freedom Highway. In this show, Ed Fulbright interviews Paul and digs deep into Paul’s How to turn $3000 into $50 million article and strategy. Ed’s moneyful.com interview can be also be […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/mastering-your-money/">MASTERING YOUR MONEY</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Mastering Your Money™ is a 30-minute educational radio program designed to give individuals and business owners directions to turbo charge their ride on the Financial Freedom Highway. In this show, Ed Fulbright interviews Paul and digs deep into Paul’s... Paul Merriman clean 28:54 20 THINGS YOU NEED TO KNOW ABOUT INVESTING PART 2 http://paulmerriman.com/20-things-you-need-to-know-about-investing-part-2/ Wed, 24 Aug 2016 10:00:08 +0000 http://paulmerriman.com/?p=10895 <p>This is part 2 of a 2 part podcast with Michael Port.  If you have not heard part 1, Paul suggests you listen to that podcast first.  In this 2 part podcast  you will hear Paul interviewed by Michael Port,  https://en.wikipedia.org/wiki/Michael_Port.  Michael Port is an author, speaker, small business marketing consultant, and public speaking teacher.   Michael is not a financial expert […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/20-things-you-need-to-know-about-investing-part-2/">20 THINGS YOU NEED TO KNOW ABOUT INVESTING PART 2</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This is part 2 of a 2 part podcast with Michael Port.  If you have not heard part 1, Paul suggests you listen to that podcast first.  In this 2 part podcast  you will hear Paul interviewed by Michael Port,  https://en.wikipedia.org/wiki/Michael_Port. Paul Merriman clean 55:15 20 THINGS YOU NEED TO KNOW ABOUT INVESTING PART 1 http://paulmerriman.com/things-you-need-to-know-about-investing-part-1/ Wed, 17 Aug 2016 10:00:01 +0000 http://paulmerriman.com/?p=10864 <p>Paul considers this podcast, the best of his career.  In this 2 part podcast you will hear Paul interviewed by Michael Port,  https://en.wikipedia.org/wiki/Michael_Port.  Michael Port is an author, speaker, small business marketing consultant, and public speaking teacher.   Michael is not a financial expert but, as you will learn from the interview, he has taken the time to […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/things-you-need-to-know-about-investing-part-1/">20 THINGS YOU NEED TO KNOW ABOUT INVESTING PART 1</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul considers this podcast, the best of his career.  In this 2 part podcast you will hear Paul interviewed by Michael Port,  https://en.wikipedia.org/wiki/Michael_Port.  Michael Port is an author, speaker, small business marketing consultant, Paul Merriman clean What investors need to know http://paulmerriman.com/what-investors-need-to-know/ Wed, 10 Aug 2016 10:00:29 +0000 http://paulmerriman.com/?p=10848 <p>In this radio interview with Ken Roberts, of Ken’s Bulls and Bears, Paul and Ken discuss an array of essential investor questions and concerns, including the following: • Given that investors are at risk of responding emotionally to what’s going on in market, what should they do to keep their emotions in check? • What are […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-investors-need-to-know/">What investors need to know</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this radio interview with Ken Roberts, of Ken’s Bulls and Bears, Paul and Ken discuss an array of essential investor questions and concerns, including the following: • Given that investors are at risk of responding emotionally to what’s going on in ... Paul Merriman clean Outrage of the Week and 11 Q&A’s http://paulmerriman.com/outrage-of-the-week-and-11-qas/ Wed, 03 Aug 2016 10:00:40 +0000 http://paulmerriman.com/?p=10824 <p>For 10 years, Paul had a weekly “Outrage of the Week” on his Seattle radio show. He says it was never a problem finding something that made him hopping mad. In this podcast, Paul explains his recent outrage about one of America’s most trusted insurance companies giving their employees the shaft. He also answers questions […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/outrage-of-the-week-and-11-qas/">Outrage of the Week and 11 Q&A’s</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> For 10 years, Paul had a weekly “Outrage of the Week” on his Seattle radio show. He says it was never a problem finding something that made him hopping mad. In this podcast, Paul explains his recent outrage about one of America’s most trusted insurance... Paul Merriman clean How value stocks can keep you from outliving your money http://paulmerriman.com/how-value-stocks-can-keep-you-from-outliving-your-money/ Wed, 27 Jul 2016 10:00:30 +0000 http://paulmerriman.com/?p=10811 <p>How value stocks can keep you from outliving your money Paul explains the importance of adding value to your portfolio. The higher long-term returns of value stocks is not in question, but it is confusing to many investors as to why troubled and out-of-favor companies are expected to make more than great companies. To clarify […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-value-stocks-can-keep-you-from-outliving-your-money/">How value stocks can keep you from outliving your money</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> How value stocks can keep you from outliving your money Paul explains the importance of adding value to your portfolio. The higher long-term returns of value stocks is not in question, but it is confusing to many investors as to why troubled and out-of... Paul Merriman clean How to avoid the 20 most common mistakes retirees make http://paulmerriman.com/how-to-avoid-the-20-most-common-investment-mistakes-retirees-make/ Wed, 20 Jul 2016 10:00:49 +0000 http://paulmerriman.com/?p=10781 <p>Do you know what common mistakes can cost retirees a fortune and lead to many sleepless nights? Recalling Warren Buffet’s quote about success – “To be a success you only have to do a very few things right, as long as you don’t do too many things wrong” – Paul lists 20 mistakes, along with […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-to-avoid-the-20-most-common-investment-mistakes-retirees-make/">How to avoid the 20 most common mistakes retirees make</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Do you know what common mistakes can cost retirees a fortune and lead to many sleepless nights? Recalling Warren Buffet’s quote about success – “To be a success you only have to do a very few things right, as long as you don’t do too many things wrong”... Paul Merriman clean How can you protect yourself from Wall Street? http://paulmerriman.com/how-can-you-protect-yourself-from-wall-street/ Wed, 13 Jul 2016 10:00:58 +0000 http://paulmerriman.com/?p=10640 <p>Paul addresses how investors can protect themselves from harmful Wall Street advice. He also answers the question, how good is indexing likely to be? And he discusses Tony Robbins, gold, and his new video.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-can-you-protect-yourself-from-wall-street/">How can you protect yourself from Wall Street?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul addresses how investors can protect themselves from harmful Wall Street advice. He also answers the question, how good is indexing likely to be? And he discusses Tony Robbins, gold, and his new video. Paul Merriman clean Q&As: ETFs, grandchildren, emerging markets and small cap value http://paulmerriman.com/qas-etfs-grandchildren-emerging-markets-small-cap-value/ Wed, 06 Jul 2016 10:00:14 +0000 http://paulmerriman.com/?p=10624 <p>How do you choose the best small cap value ETF? How do you help grandchildren pay for college? How do you decide between a money market fund and a short term bond fund? How do you get the most out of ETFs? Why not put more of your portfolio in emerging markets? Paul answers these […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/qas-etfs-grandchildren-emerging-markets-small-cap-value/">Q&As: ETFs, grandchildren, emerging markets and small cap value</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> How do you choose the best small cap value ETF? How do you help grandchildren pay for college? How do you decide between a money market fund and a short term bond fund? How do you get the most out of ETFs? Why not put more of your portfolio in emerging... Paul Merriman clean 1:00:17 What to do about the Brexit Blues? http://paulmerriman.com/what-to-do-about-the-brexit-blues/ Mon, 27 Jun 2016 13:42:48 +0000 http://paulmerriman.com/?p=10159 <p>  What should investors do about the recent global loss of over $2 trillion? Should you get out – or reduce your exposure – to international equities?  Should you sell and go to cash until the smoke has cleared? Should you reconsider your overall equity exposure? Paul addresses these questions, along with a little about […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-to-do-about-the-brexit-blues/">What to do about the Brexit Blues?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   What should investors do about the recent global loss of over $2 trillion? Should you get out – or reduce your exposure – to international equities?  Should you sell and go to cash until the smoke has cleared? Paul Merriman clean 45:03 Answers to your questions and comments about “How to turn $3000 into $50 million” http://paulmerriman.com/answers-questions-comments-turn-3000-50-million/ Wed, 22 Jun 2016 10:00:48 +0000 http://paulmerriman.com/?p=10123 <p>  Paul responds to 10 comments and questions about the article, “How to turn $3000 into $50 million.” This article has produced more comments and questions than any other he has written for MarketWatch in more than three years. In some cases, Paul points out how short-sighted investors can be and, in others, he tries to find ways to […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/answers-questions-comments-turn-3000-50-million/">Answers to your questions and comments about “How to turn $3000 into $50 million”</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul responds to 10 comments and questions about the article, “How to turn $3000 into $50 million.” This article has produced more comments and questions than any other he has written for MarketWatch in more than three years. In some cases, Paul Merriman clean 53:38 12 lessons we must teach first time investors http://paulmerriman.com/12-lessons-must-teach-first-time-investors/ Wed, 15 Jun 2016 10:00:51 +0000 http://paulmerriman.com/?p=10094 <p>  In this podcast Paul discusses the 12 investment decisions all first time investors must face.  He speaks to both the parents, as well as the young investor, about the life changing impact good decisions can have on the young investor’s future.  There are a couple of important links mentioned in the podcast. http://paulmerriman.com/ultimate-buy-hold-portfolio/ http://paulmerriman.com/double-target-date-retirement-funds-return-single-move/ […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/12-lessons-must-teach-first-time-investors/">12 lessons we must teach first time investors</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   In this podcast Paul discusses the 12 investment decisions all first time investors must face.  He speaks to both the parents, as well as the young investor, about the life changing impact good decisions can have on the young investor’s future. Paul Merriman clean 58:03 Must-know lessons from the king of investment newsletters http://paulmerriman.com/top-lessons-hulbert-financial-digest/ Wed, 08 Jun 2016 10:00:29 +0000 http://paulmerriman.com/?p=10073 <p>  The Hulbert Financial Digest has been closed. HFD was to financial newsletters what Morningstar is to the mutual fund industry. HFD tracked the performance and risk of over 200 newsletter portfolios. Paul shares what he learned from subscribing to HFD for over 30 years. He discusses newsletters that recommend low-risk to very-high-risk PORTFOLIOS using […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/top-lessons-hulbert-financial-digest/">Must-know lessons from the king of investment newsletters</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   The Hulbert Financial Digest has been closed. HFD was to financial newsletters what Morningstar is to the mutual fund industry. HFD tracked the performance and risk of over 200 newsletter portfolios. Paul shares what he learned from subscribing to HF... Paul Merriman clean 51:37 Investing to put luck on your side http://paulmerriman.com/investing-put-luck-side/ Wed, 01 Jun 2016 10:00:23 +0000 http://paulmerriman.com/?p=10058 <p>  Paul speaks with Ken Roberts of Ken’s Bulls and Bears about investing yesterday and today, understanding risk, fiduciary responsibility versus suitability of investment advisors, asset class diversification, retirement distributions and how to change your luck by taking certain actions.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/investing-put-luck-side/">Investing to put luck on your side</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul speaks with Ken Roberts of Ken’s Bulls and Bears about investing yesterday and today, understanding risk, fiduciary responsibility versus suitability of investment advisors, asset class diversification, Paul Merriman clean 47:08 7 reasons Vanguard is better than Fidelity http://paulmerriman.com/7-reasons-vanguard-better-fidelity/ Mon, 23 May 2016 22:02:37 +0000 http://paulmerriman.com/?p=10045 <p>  Paul compares seven major differences between Vanguard and Fidelity.  His research indicates the difference between the funds could lead to an additional .25 to 1.5 percent a year… money that could feather your nest, not Fidelity’s.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/7-reasons-vanguard-better-fidelity/">7 reasons Vanguard is better than Fidelity</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul compares seven major differences between Vanguard and Fidelity.  His research indicates the difference between the funds could lead to an additional .25 to 1.5 percent a year… money that could feather your nest, not Fidelity’s. Paul Merriman clean 29:29 The end of active management http://paulmerriman.com/end-active-management/ Wed, 18 May 2016 10:00:24 +0000 http://paulmerriman.com/?p=10030 <p>  Paul discusses the huge changes in expenses that are due in part to the debate between the “Fiduciary Standard’ that investment advisors work under, and the “Suitability Standard” that brokers apply to their recommendations. While a mutual fund’s expense ratio is the most commonly discussed variable, it turns out there are other factors that […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/end-active-management/">The end of active management</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul discusses the huge changes in expenses that are due in part to the debate between the “Fiduciary Standard’ that investment advisors work under, and the “Suitability Standard” that brokers apply to their recommendations. Paul Merriman clean 20:07 Habits and Attitudes of Successful Investors http://paulmerriman.com/habits-attitudes-successful-investors/ Wed, 11 May 2016 10:00:30 +0000 http://paulmerriman.com/?p=10014 <p>  Learn what you can do to increase your investment returns and peace of mind, as Paul presents, “Habits and Attitudes of Successful Investors,” from the 2016 RetireMeet Conference in Bellevue, WA. Also available as video on homepage. Download valuable information to accompany this presentation here.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/habits-attitudes-successful-investors/">Habits and Attitudes of Successful Investors</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Learn what you can do to increase your investment returns and peace of mind, as Paul presents, “Habits and Attitudes of Successful Investors,” from the 2016 RetireMeet Conference in Bellevue, WA. Also available as video on homepage. Paul Merriman clean 41:15 Why not put all of your investments in small cap value? http://paulmerriman.com/why-not-put-investments-small-cap-value/ Mon, 02 May 2016 10:00:15 +0000 http://paulmerriman.com/?p=10001 <p>  A 32-year-old investor wants to know why shouldn’t he put all his investments in small cap value?  While agreeing with the young investor’s comments, Paul recalls the famous Mark Twain quote, “There are two times in a man’s life when he should not speculate: when he can’t afford it, and when he can.”  So, is […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/why-not-put-investments-small-cap-value/">Why not put all of your investments in small cap value?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   A 32-year-old investor wants to know why shouldn’t he put all his investments in small cap value?  While agreeing with the young investor’s comments, Paul recalls the famous Mark Twain quote, “There are two times in a man’s life when he should not sp... Paul Merriman clean 20:30 10 lessons from my favorite investment book http://paulmerriman.com/10-lessons-favorite-investment-book/ Mon, 25 Apr 2016 10:00:13 +0000 http://paulmerriman.com/?p=9962 <p>  From the latest Dimensional Fund Advisors annual Matrix Book, Paul discusses 10 lessons he thinks will give investors a better long-term perspective of returns, before and after inflation.  He also compares the long-term results of both U.S. and international asset classes.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-lessons-favorite-investment-book/">10 lessons from my favorite investment book</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   From the latest Dimensional Fund Advisors annual Matrix Book, Paul discusses 10 lessons he thinks will give investors a better long-term perspective of returns, before and after inflation.  He also compares the long-term results of both U.S. Paul Merriman clean 38:59 Hulbert and 36 years of lessons http://paulmerriman.com/hulbert-36-years-lessons/ Tue, 19 Apr 2016 10:00:48 +0000 http://paulmerriman.com/?p=9943 <p>  The Hulbert Financial Digest last week announced it was shutting down after 36 years. Losing the only meaningful tracking of investment newsletters is sad indeed. In many ways Mark Hulbert’s Digest was like having the S.E.C. overseeing the mutual fund industry.  Mark couldn’t find the bad apples, but he could alert readers to the newsletter’s real […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/hulbert-36-years-lessons/">Hulbert and 36 years of lessons</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   The Hulbert Financial Digest last week announced it was shutting down after 36 years. Losing the only meaningful tracking of investment newsletters is sad indeed. In many ways Mark Hulbert’s Digest was like having the S.E.C. Paul Merriman clean 27:15 How will you protect yourself from yourself? http://paulmerriman.com/chapter-7-will-protect/ Wed, 13 Apr 2016 10:00:38 +0000 http://paulmerriman.com/?p=9911 <p>  Everyone in the financial community knows that emotion-based decisions almost always hurt investors in the long run. This podcast of Chapter 7 from Paul’s book, Financial Fitness Forever, discusses 5 ways an investor can eliminate most of the dangerous outcomes of emotional decisions. It is read by Rich Buck, co-author of Financial Fitness Forever and Live it Up Without […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/chapter-7-will-protect/">How will you protect yourself from yourself?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Everyone in the financial community knows that emotion-based decisions almost always hurt investors in the long run. This podcast of Chapter 7 from Paul’s book, Financial Fitness Forever, discusses 5 ways an investor can eliminate most of the dangero... Paul Merriman clean 10:09 Chapter 6-How Will You Diverisfy Your Investments? http://paulmerriman.com/chapter-6-how-will-you-diverisfy-your-investment-holdings/ Wed, 06 Apr 2016 10:00:43 +0000 http://paulmerriman.com/?p=9892 <p>  In this audio version from Chapter 6 from Paul’s book, “Financial Fitness Forever,” he discusses the long-term impact of diversifying beyond large cap companies to include both U.S. and International small cap and value asset classes, as well as REITs and emerging markets. While he makes no promises about the future, the evidence from over 40 […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/chapter-6-how-will-you-diverisfy-your-investment-holdings/">Chapter 6-How Will You Diverisfy Your Investments?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   In this audio version from Chapter 6 from Paul’s book, “Financial Fitness Forever,” he discusses the long-term impact of diversifying beyond large cap companies to include both U.S. and International small cap and value asset classes, Paul Merriman clean 37:27 Chapter 5-How Much Risk Will You Take? http://paulmerriman.com/chapter-5-how-much-risk-will-you-take/ Wed, 30 Mar 2016 10:00:49 +0000 http://paulmerriman.com/?p=9890 <p>  In “How much risk will you take?” Paul discusses the difficult topic of identifying and accepting the normal risk of investing. This audio chapter from his book, Financial Fitness Forever, also addresses the often overlooked risks of owning both stocks and bonds.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/chapter-5-how-much-risk-will-you-take/">Chapter 5-How Much Risk Will You Take?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   In “How much risk will you take?” Paul discusses the difficult topic of identifying and accepting the normal risk of investing. This audio chapter from his book, Financial Fitness Forever, also addresses the often overlooked risks of owning both stoc... Paul Merriman clean 34:20 Will you try to beat the market? http://paulmerriman.com/will-try-beat-market/ Mon, 21 Mar 2016 10:00:02 +0000 http://paulmerriman.com/?p=9878 <p>  Paul reads from Financial Fitness Forever, “Will You Try to Beat the Market?”, which focuses on how trying to beat the market has had a terrible impact on investors’ returns. This Chapter 4 includes important studies, from DALBAR and Morningstar, suggesting that more than half of all investor returns are lost to bad personal behavior, […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/will-try-beat-market/">Will you try to beat the market?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul reads from Financial Fitness Forever, “Will You Try to Beat the Market?”, which focuses on how trying to beat the market has had a terrible impact on investors’ returns. This Chapter 4 includes important studies, from DALBAR and Morningstar, Paul Merriman clean 29:55 A crucial decision: Who deserves your trust? http://paulmerriman.com/a-crucial-decision-who-deserves-your-trust/ Sun, 13 Mar 2016 10:00:57 +0000 http://paulmerriman.com/?p=9866 <p>  Among the many choices investors must make, the most important is who to turn to for trustworthy information, advice and help. This podcast, adapted from a chapter in my book, “Financial Fitness Forever,” is the first in a series of articles to address the four most-important choices every investor faces. The subsequent will address […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/a-crucial-decision-who-deserves-your-trust/">A crucial decision: Who deserves your trust?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Among the many choices investors must make, the most important is who to turn to for trustworthy information, advice and help. This podcast, adapted from a chapter in my book, “Financial Fitness Forever,” is the first in a series of articles to addre... Paul Merriman clean 48:46 The Ultimate Distribution Strategy 2016 http://paulmerriman.com/ultimate-distribution-strategy-2016/ Sun, 06 Mar 2016 11:00:36 +0000 http://paulmerriman.com/?p=9699 <p>  Paul compares the fixed distribution strategy he discussed in the last podcast  with the flexible distribution strategy. Generally, the flexible strategy is for investors who have saved more than they need to meet the minimum financial needs in retirement. The key points to consider are: How much have you have saved for retirement? What […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/ultimate-distribution-strategy-2016/">The Ultimate Distribution Strategy 2016</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul compares the fixed distribution strategy he discussed in the last podcast  with the flexible distribution strategy. Generally, the flexible strategy is for investors who have saved more than they need to meet the minimum financial needs in retir... Paul Merriman clean 38:57 How Much Can You Take Out of Your Investments in Retirement http://paulmerriman.com/how-much-can-you-take-out-of-your-investments-in-retirement/ Mon, 29 Feb 2016 23:00:42 +0000 http://paulmerriman.com/?p=9701 <p>  Paul explores the question, “How much can you take out of your investments in retirement?”  He focuses on people who want to invest with an amount of money that will last a lifetime but is just “enough.”  This scenario is often considered by people who are eager to retire, even if it means living […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-much-can-you-take-out-of-your-investments-in-retirement/">How Much Can You Take Out of Your Investments in Retirement</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul explores the question, “How much can you take out of your investments in retirement?”  He focuses on people who want to invest with an amount of money that will last a lifetime but is just “enough.”  This scenario is often considered by people w... Paul Merriman clean 47:09 Fine Tuning Your Asset Allocation-2016 http://paulmerriman.com/fine-tuning-asset-allocation-2016/ Wed, 24 Feb 2016 11:00:33 +0000 http://paulmerriman.com/?p=9637 <p>  This podcast addresses Paul’s updated “Fine Tuning Your Asset Allocation” Table. This table is constructed to help investors determine the right balance of equity and fixed income funds. Paul discusses the risk and return of 11 different combinations of stocks and bonds. As investor expectations can lead to good or bad decisions, Paul tries […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/fine-tuning-asset-allocation-2016/">Fine Tuning Your Asset Allocation-2016</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   This podcast addresses Paul’s updated “Fine Tuning Your Asset Allocation” Table. This table is constructed to help investors determine the right balance of equity and fixed income funds. Paul discusses the risk and return of 11 different combinations... Paul Merriman clean 38:02 The Ultimate Buy and Hold Portfolio 2016 http://paulmerriman.com/the-ultimate-buy-and-hold-portfolio-2016/ Wed, 17 Feb 2016 22:00:49 +0000 http://paulmerriman.com/?p=9585 <p>  Paul updates the latest results for The Ultimate Buy and Hold portfolio through the end of 2015. This podcast should be reviewed, along with the latest article on the same topic . The key to this updated study is the huge impact small changes in return can create for long-term results.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-ultimate-buy-and-hold-portfolio-2016/">The Ultimate Buy and Hold Portfolio 2016</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul updates the latest results for The Ultimate Buy and Hold portfolio through the end of 2015. This podcast should be reviewed, along with the latest article on the same topic . The key to this updated study is the huge impact small changes in retu... Paul Merriman clean 31:54 Politics, a crooked broker and a widow http://paulmerriman.com/politics-a-crooked-broker-and-a-widow/ Wed, 10 Feb 2016 11:00:58 +0000 http://paulmerriman.com/?p=9579 <p>  Paul discusses three separate topics. Segment 1: The article, “Why Politics and Investing Don’t Mix,” by Mike Piper, in which Piper alerts readers to how security sales people and other financial sales organizations appeal to the emotions of both the right- and left-leaning views in order to convince them to invest in inappropriate products. Segment 2: […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/politics-a-crooked-broker-and-a-widow/">Politics, a crooked broker and a widow</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul discusses three separate topics. Segment 1: The article, “Why Politics and Investing Don’t Mix,” by Mike Piper, in which Piper alerts readers to how security sales people and other financial sales organizations appeal to the emotions of both the... Paul Merriman clean 35:05 My favorite commission-free ETFs http://paulmerriman.com/pauls-favorite-commission-free-family-of-etfs/ Wed, 03 Feb 2016 11:00:02 +0000 http://paulmerriman.com/?p=9542 <p>  Paul discusses the Schwab, Fidelity and TD Ameritrade commission-free ETF offerings. He helps investors find the least expensive ETFs, as well as the firms that offer the best selection of asset classes. To help those following the “Turn $3,000 to $50 million” strategy, Paul reviews the small-cap value offerings of all three firms, plus […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/pauls-favorite-commission-free-family-of-etfs/">My favorite commission-free ETFs</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul discusses the Schwab, Fidelity and TD Ameritrade commission-free ETF offerings. He helps investors find the least expensive ETFs, as well as the firms that offer the best selection of asset classes. To help those following the “Turn $3, Paul Merriman clean 14:42 10 ways to make more money on your Vanguard Investments http://paulmerriman.com/10-ways-make-money-vanguard-investments/ Wed, 27 Jan 2016 11:00:05 +0000 http://paulmerriman.com/?p=9523 <p>  Paul discusses 10 ways to make more with your Vanguard investments. He chooses his favorite dividend-based fund, best balanced funds, plus a non-Vanguard ETF that will improve your Vanguard ETF portfolio. Of course he will cover ways to get lower fees and make sure you don’t overlook the funds that are built for higher […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-ways-make-money-vanguard-investments/">10 ways to make more money on your Vanguard Investments</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul discusses 10 ways to make more with your Vanguard investments. He chooses his favorite dividend-based fund, best balanced funds, plus a non-Vanguard ETF that will improve your Vanguard ETF portfolio. Paul Merriman clean 23:58 How to tame this bear market http://paulmerriman.com/tame-bear-market/ Thu, 21 Jan 2016 21:31:13 +0000 http://paulmerriman.com/?p=9513 <p>On this short special podcast Paul addresses the difficult market decline that has many investors concerned the market is heading for a bigger sell off.  If you are having serious concerns about what should be done next, he suggests you reread “22 things we should know about bear markets.”  He also pleads with young investors […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/tame-bear-market/">How to tame this bear market</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> On this short special podcast Paul addresses the difficult market decline that has many investors concerned the market is heading for a bigger sell off.  If you are having serious concerns about what should be done next, Paul Merriman clean 15:42 20 questions and answers http://paulmerriman.com/20-questions-answers/ Wed, 20 Jan 2016 14:00:41 +0000 http://paulmerriman.com/?p=9504 <p>Paul answers 20 questions. His goal is to answer each question in less than a minute. Here is a list of questions. Let’s see if he can keep his answers short! 1. Which international small cap value ETF do you recommend? DLS or FNDC? 1:04 2. Do you prefer Schwab or Vanguard ETFs? 4:39 3. […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/20-questions-answers/">20 questions and answers</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul answers 20 questions. His goal is to answer each question in less than a minute. Here is a list of questions. Let’s see if he can keep his answers short! 1. Which international small cap value ETF do you recommend? DLS or FNDC? 1:04 2. Paul Merriman clean 1:19:30 Buy, Sell or Hold? What should you do next? http://paulmerriman.com/buy-sell-hold-next/ Wed, 13 Jan 2016 11:00:38 +0000 http://paulmerriman.com/?p=9488 <p>Paul responds to the many questions he has received regarding what to do during this highly volatile market. Should investors respond by rebalancing or changing their choice of assert classes or asset allocation? Paul discusses several internet resources he believes give investors a better understanding of how difficult it is to predict the future. The […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/buy-sell-hold-next/">Buy, Sell or Hold? What should you do next?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul responds to the many questions he has received regarding what to do during this highly volatile market. Should investors respond by rebalancing or changing their choice of assert classes or asset allocation? Paul Merriman clean 35:22 A very special letter I hope you will write to your child or grandchild http://paulmerriman.com/a-very-special-letter-i-hope-you-will-write/ Tue, 12 Jan 2016 23:00:27 +0000 http://paulmerriman.com/?p=9485 <p> NEW If you have decided to set up a legacy account for a child or grandchild, as described in Paul’s article, How To Turn $3000 into $50 million  there will come a time to tell the lucky recipient what was done to help him or her have a more financially secure retirement. Paul feels strongly a […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/a-very-special-letter-i-hope-you-will-write/">A very special letter I hope you will write to your child or grandchild</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>  NEW If you have decided to set up a legacy account for a child or grandchild, as described in Paul’s article, How To Turn $3000 into $50 million  there will come a time to tell the lucky recipient what was done to help him or her have a more financial... Paul Merriman clean 33:33 12 simple steps to making 12% http://paulmerriman.com/12-simple-steps-to-making-12-percent/ Wed, 06 Jan 2016 11:00:24 +0000 http://paulmerriman.com/?p=9472 <p>12 simple steps to making 12%   Paul discusses 7 asset classes that have a long history of compounding at more than 12%. He also suggests the fund or ETF variables that lead to higher expected returns, along with the impact on a child or grandchild if the investment has performed well during the early […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/12-simple-steps-to-making-12-percent/">12 simple steps to making 12%</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> 12 simple steps to making 12%   Paul discusses 7 asset classes that have a long history of compounding at more than 12%. He also suggests the fund or ETF variables that lead to higher expected returns, along with the impact on a child or grandchild if ... Paul Merriman clean 20:35 Predictions you can trust http://paulmerriman.com/predictions-can-trust/ Wed, 30 Dec 2015 11:00:48 +0000 http://paulmerriman.com/?p=9463 <p>Predictions you can trust Paul discusses the returns of 2015 as well as the historical one-year returns for the last 88 years. He offers three approaches to making predictions for the future,  including the one he thinks is most meaningful. He also notes the likely success of stocks vs. bonds, large cap vs. small cap […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/predictions-can-trust/">Predictions you can trust</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Predictions you can trust Paul discusses the returns of 2015 as well as the historical one-year returns for the last 88 years. He offers three approaches to making predictions for the future,  including the one he thinks is most meaningful. Paul Merriman clean 25:30 The Gift That Really Keeps On Giving http://paulmerriman.com/gift-really-keeps-giving/ Wed, 23 Dec 2015 11:00:48 +0000 http://paulmerriman.com/?p=9456 <p>The Gift That Really Keeps On Giving Warren Buffet says, “To be a success you only have to do a few things right, as long as you don’t do too many things wrong.” The best way I know for investors to be sure they are doing the right things, and protecting against the wrong things, […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/gift-really-keeps-giving/">The Gift That Really Keeps On Giving</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The Gift That Really Keeps On Giving Warren Buffet says, “To be a success you only have to do a few things right, as long as you don’t do too many things wrong.” The best way I know for investors to be sure they are doing the right things, Paul Merriman clean 15:27 Retirement Planning, Small Cap Value and More http://paulmerriman.com/retirement-planning-small-cap-value-and-more/ Wed, 16 Dec 2015 11:00:57 +0000 http://paulmerriman.com/?p=9439 <p>In a recent radio conversation with Ken Roberts of Bulls and Bears,  Paul discusses compound interest, the best asset classes, small cap value, target date funds, portfolio diversification, calculating retirement distributions, young investors, house swapping and more. You can find articles on all these subjects at http://PaulMerriman.com</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/retirement-planning-small-cap-value-and-more/">Retirement Planning, Small Cap Value and More</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In a recent radio conversation with Ken Roberts of Bulls and Bears,  Paul discusses compound interest, the best asset classes, small cap value, target date funds, portfolio diversification, calculating retirement distributions, young investors, Paul Merriman clean 47:05 Q&A’s: Turning $3000 into $50 million http://paulmerriman.com/qas-turning-3000-50-million/ Wed, 09 Dec 2015 12:00:25 +0000 http://paulmerriman.com/?p=9435 <p>Q&A’s: Turning $3000 into $50 million Paul’s article on building a $3000 investment into $50 million in distributions and gifts has attracted many readers and generated a lot of questions. In this Q&A session, Paul answers these questions: how reasonable are your assumptions? Which is the very best small cap value fund? When should bonds be added […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/qas-turning-3000-50-million/">Q&A’s: Turning $3000 into $50 million</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Q&A’s: Turning $3000 into $50 million Paul’s article on building a $3000 investment into $50 million in distributions and gifts has attracted many readers and generated a lot of questions. In this Q&A session, Paul Merriman clean How to turn $3,000 into $50 million http://paulmerriman.com/podcast-how-to-turn-3000-50-million/ Wed, 02 Dec 2015 11:00:52 +0000 http://paulmerriman.com/?p=9369 <p>How to turn $3,000 into $50 million… Really! Want to leave an important legacy for the future? “How to turn $3,000 into $50 million” addresses the steps a parent or grandparent might take to leave a significant legacy. This also applies to young investors. Paul explains how to make the initial investment, move the money […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/podcast-how-to-turn-3000-50-million/">How to turn $3,000 into $50 million</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> How to turn $3,000 into $50 million… Really! Want to leave an important legacy for the future? “How to turn $3,000 into $50 million” addresses the steps a parent or grandparent might take to leave a significant legacy. Paul Merriman clean 50:48 Do You Really Follow My Advice? http://paulmerriman.com/do-you-really-follow-my-advice/ Wed, 25 Nov 2015 11:00:31 +0000 http://paulmerriman.com/?p=9204 <p>In this Thanksgiving podcast, Paul expresses appreciation for the opportunity to serve his listeners and readers, and asks for a couple of favors. He asks for your ideas on information you would like him to provide in the future, as well as suggestions to improve the information he is presently providing. He also would like […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/do-you-really-follow-my-advice/">Do You Really Follow My Advice?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this Thanksgiving podcast, Paul expresses appreciation for the opportunity to serve his listeners and readers, and asks for a couple of favors. He asks for your ideas on information you would like him to provide in the future, Paul Merriman clean 14:11 What is The Ultimate Equity Buy and Hold Strategy? http://paulmerriman.com/what-is-the-ultimate-equity-buy-and-hold-strategy/ Wed, 18 Nov 2015 11:00:23 +0000 http://paulmerriman.com/?p=9153 <p>The cornerstone of Paul Merriman’s advice is “The Ultimate Equity Buy and Hold Strategy.”  Here he discusses each of the equity asset classes investors should hold in the equity portion of their portfolio, even if it’s only 10% of the portfolio. With each equity asset class, Paul recommends an article written about the long-term returns […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-is-the-ultimate-equity-buy-and-hold-strategy/">What is The Ultimate Equity Buy and Hold Strategy?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The cornerstone of Paul Merriman’s advice is “The Ultimate Equity Buy and Hold Strategy.”  Here he discusses each of the equity asset classes investors should hold in the equity portion of their portfolio, even if it’s only 10% of the portfolio. Paul Merriman clean 23:20 The best small cap value ETF http://paulmerriman.com/small-cap-value-etfs/ Wed, 11 Nov 2015 11:00:21 +0000 http://paulmerriman.com/?p=9144 <p>Paul answers two of the most common questions he receives about small cap value ETFs: 1. What’s the best choice between Vanguard Small Cap ETF (VBR) and Vanguard Russell 2000 Value ETF (VTWV)?  2. Which has the best small cap value ETF? Paul makes clear why he thinks one will do much better than the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/small-cap-value-etfs/">The best small cap value ETF</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul answers two of the most common questions he receives about small cap value ETFs: 1. What’s the best choice between Vanguard Small Cap ETF (VBR) and Vanguard Russell 2000 Value ETF (VTWV)?  2. Which has the best small cap value ETF? Paul Merriman clean 27:37 Buffet, Lynch and Miller vs. small cap value http://paulmerriman.com/buffet-lynch-and-miller-vs-small-cap-value/ Wed, 04 Nov 2015 11:00:56 +0000 http://paulmerriman.com/?p=9129 <p>In this podcast Paul discusses the historical returns of the S&P 500, large cap value, small cap blend and small cap value.  He knows many investors live with the belief they will find an actively managed that will outperform his favorite of the four, small cap value.  Three of the most famous investors of all […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/buffet-lynch-and-miller-vs-small-cap-value/">Buffet, Lynch and Miller vs. small cap value</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast Paul discusses the historical returns of the S&P 500, large cap value, small cap blend and small cap value.  He knows many investors live with the belief they will find an actively managed that will outperform his favorite of the four, Paul Merriman clean 29:55 Bogle predicts 4% growth rate for stocks http://paulmerriman.com/bogle-predicts-4-growth-rate-for-stocks/ Wed, 28 Oct 2015 10:00:26 +0000 http://paulmerriman.com/?p=9118 <p>In 2011 John Bogle predicted a 7% 10 year growth rate (including dividends) for the S&P 500.  In June, 2015 he reduced his prediction to 5%.  Now he is predicting a 4% growth rate for the next decade and that doesn’t include mutual fund expenses, taxes or inflation.  That might not be unsettling to investors […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/bogle-predicts-4-growth-rate-for-stocks/">Bogle predicts 4% growth rate for stocks</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In 2011 John Bogle predicted a 7% 10 year growth rate (including dividends) for the S&P 500.  In June, 2015 he reduced his prediction to 5%.  Now he is predicting a 4% growth rate for the next decade and that doesn’t include mutual fund expenses, Paul Merriman clean 26:39 22 Things to Know About Bear Markets http://paulmerriman.com/22-things-to-know-about-bear-markets/ Wed, 21 Oct 2015 10:00:00 +0000 http://paulmerriman.com/?p=9107 <p>Paul Merriman and Andrew from The Disciplined Investor  discuss some of the basics of investing, psychology and a better understanding of corrections and bear markets.    </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/22-things-to-know-about-bear-markets/">22 Things to Know About Bear Markets</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman and Andrew from The Disciplined Investor  discuss some of the basics of investing, psychology and a better understanding of corrections and bear markets.     Paul Merriman clean 24:14 Will small cap and value make as much in the future as they have in the past? http://paulmerriman.com/will-small-cap-and-value-make-as-much-in-the-future-as-they-have-in-the-past/ Wed, 14 Oct 2015 10:00:37 +0000 http://paulmerriman.com/?p=9063 <p>Why does Paul Merriman believe small cap and value stocks will make higher rates of return? Listen as he discusses this and other simple steps that should lead to higher rates of return.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/will-small-cap-and-value-make-as-much-in-the-future-as-they-have-in-the-past/">Will small cap and value make as much in the future as they have in the past?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Why does Paul Merriman believe small cap and value stocks will make higher rates of return? Listen as he discusses this and other simple steps that should lead to higher rates of return. Paul Merriman clean 31:48 What are the most important first steps for successful long-term investing? http://paulmerriman.com/what-are-the-most-important-first-steps-for-successful-long-term-investing/ Wed, 07 Oct 2015 10:00:27 +0000 http://paulmerriman.com/?p=9059 <p>Paul offers a dozen things every first-time investor should know before they make their first investment. Get these dozen things right and you are almost guaranteed to be a successful investor. Want to know the single best step to becoming a successful long-term investor? Paul shares his suggestion, which includes spending about 2 hours reading […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-are-the-most-important-first-steps-for-successful-long-term-investing/">What are the most important first steps for successful long-term investing?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul offers a dozen things every first-time investor should know before they make their first investment. Get these dozen things right and you are almost guaranteed to be a successful investor. Want to know the single best step to becoming a successful... Paul Merriman clean 12:39 How Much Risk Should I Take? http://paulmerriman.com/how-much-risk-should-i-take/ Wed, 30 Sep 2015 10:00:30 +0000 http://paulmerriman.com/?p=9053 <p>How do investors determine how much risk to take? The most common concern regarding risk is loss of principal. Paul makes the case that loss of principal should be less concerning than high expenses, high turnover and too little diversification.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-much-risk-should-i-take/">How Much Risk Should I Take?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> How do investors determine how much risk to take? The most common concern regarding risk is loss of principal. Paul makes the case that loss of principal should be less concerning than high expenses, high turnover and too little diversification. Paul Merriman clean 17:33 What return do I need on my investments? http://paulmerriman.com/what-return-do-i-need-on-my-investments/ Wed, 23 Sep 2015 10:00:44 +0000 http://paulmerriman.com/?p=9012 <p>Like many investors, this 37-year-old, whom Paul discusses, had not answered the most important investment questions: What return do you need? What inflation should be assumed? How many years until you’d like to retire? What is your risk tolerance? Find out why Paul recommends he invest like a retiree with part of the portfolio, and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-return-do-i-need-on-my-investments/">What return do I need on my investments?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Like many investors, this 37-year-old, whom Paul discusses, had not answered the most important investment questions: What return do you need? What inflation should be assumed? How many years until you’d like to retire? What is your risk tolerance? Paul Merriman clean 20:26 Paul Answers Questions on Performance, Advisors, IRA’s and Annuities http://paulmerriman.com/paul-answers-questions-on-performance-advisors-iras-and-annuities/ Wed, 16 Sep 2015 10:00:49 +0000 http://paulmerriman.com/?p=9003 <p>  What is the ten-year performance for your recommended portfolios? :45 There are so many seemingly good fee-only financial advisors that I am confused how to choose one. Can you help? 7:30 I have never seen you comment on fundamental indexing. Do you think there is an advantage of using fundamental indexes in building a […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/paul-answers-questions-on-performance-advisors-iras-and-annuities/">Paul Answers Questions on Performance, Advisors, IRA’s and Annuities</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   What is the ten-year performance for your recommended portfolios? :45 There are so many seemingly good fee-only financial advisors that I am confused how to choose one. Can you help? 7:30 I have never seen you comment on fundamental indexing. Paul Merriman clean 46:47 Paul answers questions on mid-life investing, inheritance, DFA funds and inflation http://paulmerriman.com/paul-answers-questions-on-mid-life-investing-inheritance-dfa-funds-and-inflation/ Wed, 09 Sep 2015 10:00:32 +0000 http://paulmerriman.com/?p=8997 <p>   Most of your articles and podcasts focus on first-time investors or those almost in or in retirement. What about us in-between? What steps do you recommend for investors in their 40s? 0:52  How would you invest a $200,000 inheritance?  Should we dollar cost average? 10:17  Are the DFA funds more risky than the Vanguard […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/paul-answers-questions-on-mid-life-investing-inheritance-dfa-funds-and-inflation/">Paul answers questions on mid-life investing, inheritance, DFA funds and inflation</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>    Most of your articles and podcasts focus on first-time investors or those almost in or in retirement. What about us in-between? What steps do you recommend for investors in their 40s? 0:52  How would you invest a $200,000 inheritance? Paul Merriman clean 44:51 Paul answers questions on Vanguard, S&P 500, short term and first-time investments http://paulmerriman.com/paul-answers-questions-vanguard-sp-500-short-term-first-time-investments/ Wed, 02 Sep 2015 10:00:27 +0000 http://paulmerriman.com/?p=8990 <p>  1.  What do you think of Vanguard’s recommendations in their personal advisory service? 00:30 2.  We are moving our investments from Ameriprise to Vanguard. What funds do you recommend at Vanguard? 08:25 3.  What do you think about putting all my retirement investments in the S&P 500 and taking 5%? 14:30 4.  I’m in […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/paul-answers-questions-vanguard-sp-500-short-term-first-time-investments/">Paul answers questions on Vanguard, S&P 500, short term and first-time investments</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   1.  What do you think of Vanguard’s recommendations in their personal advisory service? 00:30 2.  We are moving our investments from Ameriprise to Vanguard. What funds do you recommend at Vanguard? 08:25 3. Paul Merriman clean 26:16 Are we headed for the next bear market? http://paulmerriman.com/are-we-headed-for-the-next-bear-market/ Wed, 26 Aug 2015 10:00:40 +0000 http://paulmerriman.com/?p=8983 <p>  How should you deal with major market declines? Paul shares his personal advice, as well as advice on the same topic from Jason Zweig’s article,  “What Investors Shouldn’t Do Now.” and from Tyler Bartlett, Paul’s personal investment advisor. He believes Tyler’s graph of annual returns vs. annual declines provides perspective to the relationship between […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/are-we-headed-for-the-next-bear-market/">Are we headed for the next bear market?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   How should you deal with major market declines? Paul shares his personal advice, as well as advice on the same topic from Jason Zweig’s article,  “What Investors Shouldn’t Do Now.” and from Tyler Bartlett, Paul’s personal investment advisor. Paul Merriman clean Where can you get unbiased financial advice? http://paulmerriman.com/where-can-you-get-unbiased-financial-advice/ Wed, 19 Aug 2015 07:00:42 +0000 http://paulmerriman.com/?p=8953 <p>    “Where can I get the best, most unbiased financial advice?” This is one of the most common questions from investors. But, Paul asks, do we really want unbiased advice?  How do we tell if the advice is in our best interest, or that of the salesperson? Will we follow it and, most importantly, […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/where-can-you-get-unbiased-financial-advice/">Where can you get unbiased financial advice?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>     “Where can I get the best, most unbiased financial advice?” This is one of the most common questions from investors. But, Paul asks, do we really want unbiased advice?  How do we tell if the advice is in our best interest, Paul Merriman clean 27:53 Do You Qualify For a Flexible Distribution? http://paulmerriman.com/do-you-qualify-for-a-flexible-distribution/ Wed, 12 Aug 2015 10:00:34 +0000 http://paulmerriman.com/?p=8938 <p>  After explaining fixed and flexible distribution strategies for retirement in previous podcasts, Paul received many questions from investors about which is more appropriate? In this podcast, he helps you determine if you have enough to use the higher distributions of the flexible distribution strategy. To get the most out of this podcast, Paul recommends […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/do-you-qualify-for-a-flexible-distribution/">Do You Qualify For a Flexible Distribution?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   After explaining fixed and flexible distribution strategies for retirement in previous podcasts, Paul received many questions from investors about which is more appropriate? In this podcast, he helps you determine if you have enough to use the higher... Paul Merriman clean 27:52 The only bear market that really matters http://paulmerriman.com/the-only-bear-market-that-really-matters/ Wed, 05 Aug 2015 14:00:46 +0000 http://paulmerriman.com/?p=8917 <p>  Paul sheds more light on “The 20 things you should know about bear markets”, a MarketWatch.com article by Paul and Rich Buck. Commenting on the impact of inflation and dividends, Paul notes that one force reduces returns and one improves returns. You may be surprised to find out that the biggest long-term bear market was not […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-only-bear-market-that-really-matters/">The only bear market that really matters</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul sheds more light on “The 20 things you should know about bear markets”, a MarketWatch.com article by Paul and Rich Buck. Commenting on the impact of inflation and dividends, Paul notes that one force reduces returns and one improves returns. Paul Merriman clean 14:14 3 Ways Target Date Funds Fail Investors http://paulmerriman.com/3-ways-target-date-funds-fail-investors/ Wed, 29 Jul 2015 07:00:53 +0000 http://paulmerriman.com/?p=8913 <p>  Target Date Funds are a lot like pension funds, but they don’t come with a payment guarantee. There are 3 ways Target Date Funds can keep investors from reaching their goals for early retirement, or retiring with enough money to not take a cut in pay at retirement. Paul discusses these and also what […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/3-ways-target-date-funds-fail-investors/">3 Ways Target Date Funds Fail Investors</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Target Date Funds are a lot like pension funds, but they don’t come with a payment guarantee. There are 3 ways Target Date Funds can keep investors from reaching their goals for early retirement, or retiring with enough money to not take a cut in pay... Paul Merriman clean Flexible Distribution: The Ultimate Distribution Strategy http://paulmerriman.com/flexible-distributions-ultimate-distribution-strategy/ Wed, 22 Jul 2015 07:00:29 +0000 http://paulmerriman.com/?p=8901 <p>  One of the most important investment decisions you make is how much you can take out of your retirement investments. In this podcast Paul compares a fixed distribution strategy to the flexible distribution strategy. The fixed strategy is for investors who retire with just enough, compared to the flexible strategy for those who have […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/flexible-distributions-ultimate-distribution-strategy/">Flexible Distribution: The Ultimate Distribution Strategy</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   One of the most important investment decisions you make is how much you can take out of your retirement investments. In this podcast Paul compares a fixed distribution strategy to the flexible distribution strategy. Paul Merriman clean 37:56 10 Lessons in Fixed Distribution Strategies http://paulmerriman.com/10-lessons-in-fixed-distribution-strategies/ Wed, 15 Jul 2015 07:00:52 +0000 http://paulmerriman.com/?p=8891 <p>  Paul discusses 10 lessons for those investors planning to retire on a fixed distribution strategy. Fixed distribution strategies are those built on a base need with the long-term requirement of increasing distributions due to increases in inflation. Paul references the Fine Tuning Table as well as 3 tables on fixed distributions. He recommends printing […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-lessons-in-fixed-distribution-strategies/">10 Lessons in Fixed Distribution Strategies</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul discusses 10 lessons for those investors planning to retire on a fixed distribution strategy. Fixed distribution strategies are those built on a base need with the long-term requirement of increasing distributions due to increases in inflation. Paul Merriman clean 41:36 100,000 ways to lose half your money http://paulmerriman.com/100000-ways-to-lose-half-your-money/ Wed, 08 Jul 2015 07:00:35 +0000 http://paulmerriman.com/?p=8871 <p>  One bad investment decision can result in life changing damage.  It’s unfortunate enough when people make a bad decision on their own, but when the bad decision is simply the result of a slick sales pitch to make someone else rich, I get very hot under the collar. Recently, I encountered such a case and got to […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/100000-ways-to-lose-half-your-money/">100,000 ways to lose half your money</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   One bad investment decision can result in life changing damage.  It’s unfortunate enough when people make a bad decision on their own, but when the bad decision is simply the result of a slick sales pitch to make someone else rich, Paul Merriman clean 40:58 10 things you should know about bear markets http://paulmerriman.com/10-things-you-should-know-about-bear-markets/ Wed, 01 Jul 2015 07:00:50 +0000 http://paulmerriman.com/?p=8862 <p>We have no idea how soon the next bear market will strike but there is enough history to know it will likely be very unsettling to many investors. How big will the losses be?  How long will it last? What can you do to protect against those losses? In the podcast Paul discusses 10 things you […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-things-you-should-know-about-bear-markets/">10 things you should know about bear markets</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> We have no idea how soon the next bear market will strike but there is enough history to know it will likely be very unsettling to many investors. How big will the losses be?  How long will it last? What can you do to protect against those losses? Paul Merriman clean 28:41 The Best Market Strategy I know http://paulmerriman.com/the-best-market-strategy-i-know/ Wed, 24 Jun 2015 07:00:13 +0000 http://paulmerriman.com/?p=8851 <p>Paul compares the returns of buy-and-hold and timing portfolios for the period 2000-2014. You’ll learn about all the advantages and disadvantages of timing. If you are interested in using timing in your portfolio, Paul discusses what he thinks is the best combination of asset classes and market timing systems.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-best-market-strategy-i-know/">The Best Market Strategy I know</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul compares the returns of buy-and-hold and timing portfolios for the period 2000-2014. You’ll learn about all the advantages and disadvantages of timing. If you are interested in using timing in your portfolio, Paul Merriman clean 42:55 Fine tuning your asset allocation 2015 http://paulmerriman.com/fine-tuning-your-asset-allocation-2015-podcast/ Wed, 17 Jun 2015 07:00:03 +0000 http://paulmerriman.com/?p=8847 <p>This podcast accompanies the annual update to Paul’s Fine Tuning Your Asset Allocation 2015 update. Paul reviews the many lessons investors can learn from the returns and risks of 12 different levels of investment risk with all bonds to all stocks. This update includes new numbers to better understand the short and longer term risks […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/fine-tuning-your-asset-allocation-2015-podcast/">Fine tuning your asset allocation 2015</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast accompanies the annual update to Paul’s Fine Tuning Your Asset Allocation 2015 update. Paul reviews the many lessons investors can learn from the returns and risks of 12 different levels of investment risk with all bonds to all stocks. Paul Merriman clean 42:33 Answers to your questions about bond funds http://paulmerriman.com/answers-to-your-questions-about-bond-funds/ Wed, 10 Jun 2015 10:00:50 +0000 http://paulmerriman.com/?p=8839 <p>What Do You Want To Know About Bond Funds? Paul answers the 14 most common questions about bond funds. He references the following article about bond risk:  http://www.finra.org/investors/alerts/duration-what-interest-rate-hike-could-do-your-bond-portfolio 1.   Why invest in bond funds when equity funds make so much more money? 2.   What bond funds should I own in a rising interest […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/answers-to-your-questions-about-bond-funds/">Answers to your questions about bond funds</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> What Do You Want To Know About Bond Funds? Paul answers the 14 most common questions about bond funds. He references the following article about bond risk:  http://www.finra.org/investors/alerts/duration-what-interest-rate-hike-could-do-your-bond-portf... Paul Merriman clean 45:33 What’s a normal asset allocation? http://paulmerriman.com/whats-a-normal-asset-allocation/ Wed, 03 Jun 2015 10:00:19 +0000 http://paulmerriman.com/?p=8808 <p>One of our listeners asked, “Is there a normal asset allocation that most advisors and companies recommend?“  In this podcast Paul discusses the most common asset allocation recommended by the biggest and brightest firms in the industry. As most of us know, what is “normal” is often not the best. Paul compares normal with what […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/whats-a-normal-asset-allocation/">What’s a normal asset allocation?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> One of our listeners asked, “Is there a normal asset allocation that most advisors and companies recommend?“  In this podcast Paul discusses the most common asset allocation recommended by the biggest and brightest firms in the industry. Paul Merriman clean 18:30 Q & A Part 2 – From Portland AAIII Presentation http://paulmerriman.com/q-a-part-2-from-portland-aaiii-presentation/ Wed, 27 May 2015 10:00:37 +0000 http://paulmerriman.com/?p=8760 <p>Paul’s recent 3-hour presentation to the Portland Chapter of the American Association of Individual Investors (AAII) generated many questions. Here, following last week’s Q&A, are more. The final questions from this event are answered in this week’s bi-monthly newsletter (emailed May 28). Subscribe now at PaulMerriman.com to read them and receive important updates, links and answers […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/q-a-part-2-from-portland-aaiii-presentation/">Q & A Part 2 – From Portland AAIII Presentation</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul’s recent 3-hour presentation to the Portland Chapter of the American Association of Individual Investors (AAII) generated many questions. Here, following last week’s Q&A, are more. The final questions from this event are answered in this week’s bi... Paul Merriman clean 32:44 Q & A From Portland AAIII Presentation http://paulmerriman.com/q-portland-aaiii-presentation/ Wed, 20 May 2015 10:00:10 +0000 http://paulmerriman.com/?p=8750 <p>Paul recently made a 3-hour presentation to the Portland Chapter of the American Association of Individual Investors (AAII) and fielded dozens of questions. Here are answers to some. Be sure to subscribe to his free bi-monthly newsletter to receive important updates, links ad answers to your investment questions at PaulMerriman.com 1.  What is the difference between […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/q-portland-aaiii-presentation/">Q & A From Portland AAIII Presentation</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul recently made a 3-hour presentation to the Portland Chapter of the American Association of Individual Investors (AAII) and fielded dozens of questions. Here are answers to some. Be sure to subscribe to his free bi-monthly newsletter to receive imp... Paul Merriman clean 27:41 How to cope with investment pornography http://paulmerriman.com/how-to-cope-with-investment-pornography/ Wed, 13 May 2015 10:00:47 +0000 http://paulmerriman.com/?p=8744 <p>Beware the dangers of letting the noise of Wall Street ruin your financial future. Does the headline, “Market building of a breakout—and may be bad!” make you change your commitment to your investment strategy? If it does, you are likely in trouble. Paul discusses how he processes the challenge of investment pornography and finds peace […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-to-cope-with-investment-pornography/">How to cope with investment pornography</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Beware the dangers of letting the noise of Wall Street ruin your financial future. Does the headline, “Market building of a breakout—and may be bad!” make you change your commitment to your investment strategy? If it does, you are likely in trouble. Paul Merriman clean 11:57 How to beat the market… really! http://paulmerriman.com/how-to-beat-the-market-really/ Wed, 06 May 2015 10:00:26 +0000 http://paulmerriman.com/?p=8737 <p>The DALBAR tracks the real returns investors get, not what mutual funds report. According to DALBAR’s 21st Annual Quantitative Analysis of Investor Behavior, the S&P 500 made about 7% a year more than the average U.S. equity-fund investor for the 30 years ending December 31, 2014. Paul discusses investor mutual fund returns, the reasons for the poor results, and how investors […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-to-beat-the-market-really/">How to beat the market… really!</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The DALBAR tracks the real returns investors get, not what mutual funds report. According to DALBAR’s 21st Annual Quantitative Analysis of Investor Behavior, the S&P 500 made about 7% a year more than the average U.S. Paul Merriman clean 14:54 Does good advice lead to the best returns? http://paulmerriman.com/does-good-advice-lead-to-the-best-returns/ Wed, 29 Apr 2015 10:00:26 +0000 http://paulmerriman.com/?p=8730 <p>Paul discusses decisions that will likely lead to the best returns. Of course, like everyone, he has no way of knowing what will happen in the future. Referencing a recent MarketWatch article, Best Target Date Funds? Fidelity vs. Vanguard, Paul explains why Vanguard was the clear winner. However, another well-known actively-managed fund group, which charges higher fees than […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/does-good-advice-lead-to-the-best-returns/">Does good advice lead to the best returns?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses decisions that will likely lead to the best returns. Of course, like everyone, he has no way of knowing what will happen in the future. Referencing a recent MarketWatch article, Best Target Date Funds? Fidelity vs. Vanguard, Paul Merriman clean 14:02 What do we do with the news? http://paulmerriman.com/what-do-we-do-with-the-news/ Wed, 22 Apr 2015 07:00:28 +0000 http://paulmerriman.com/?p=8705 <p>Most investors let the news impact their investment decision making. It makes sense that when the news is bad we think: wait. It makes sense that when news is good, we think: move forward. However, the history of using the news as your guide to investing has led to catastrophic loss. Paul uses the oil […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-do-we-do-with-the-news/">What do we do with the news?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Most investors let the news impact their investment decision making. It makes sense that when the news is bad we think: wait. It makes sense that when news is good, we think: move forward. However, the history of using the news as your guide to investi... Paul Merriman clean 15:39 10 big advantages of Vanguard Funds http://paulmerriman.com/10-big-advantages-of-vanguard-funds/ Wed, 15 Apr 2015 07:00:26 +0000 http://paulmerriman.com/?p=8689 <p>Paul focuses on 10 important advantages that set Vanguard apart from it’s competition. The discussion includes the obvious quantifiable differences, as well as the qualifiable aspects that add to the likelihood of investors reaching their financial goals. Paul adds a huge bonus advantage he thinks will be a surprise to most investors.  </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-big-advantages-of-vanguard-funds/">10 big advantages of Vanguard Funds</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul focuses on 10 important advantages that set Vanguard apart from it’s competition. The discussion includes the obvious quantifiable differences, as well as the qualifiable aspects that add to the likelihood of investors reaching their financial goa... Paul Merriman clean 38:32 How To Make More on Your Target Date Funds http://paulmerriman.com/8-ways-to-make-more-on-your-target-date-fund/ Wed, 08 Apr 2015 15:00:17 +0000 http://paulmerriman.com/?p=8683 <p>This podcast was made to accompany the Marketwatch article on combining target date funds with small cap value.   A major problem with target date funds (TDFs) is they don’t give enough exposure to the small cap or value asset classes. By simply adding a second position in a small cap value fund or ETF, most of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/8-ways-to-make-more-on-your-target-date-fund/">How To Make More on Your Target Date Funds</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast was made to accompany the Marketwatch article on combining target date funds with small cap value.   A major problem with target date funds (TDFs) is they don’t give enough exposure to the small cap or value asset classes. Paul Merriman clean 27:31 REITs: An asset class that takes a lot of patience http://paulmerriman.com/reits-an-asset-class-that-takes-a-lot-of-patience/ Wed, 01 Apr 2015 07:00:14 +0000 http://paulmerriman.com/?p=8675 <p>This podcast discusses the relatively short history of REIT returns. Paul informs investors about the long-term returns of this asset class, including long periods of mediocre returns. He also highlights what a great fit REITs have been with the S&P 500 due to their unusually high non-corretaltion. Listeners are encouraged to read both his MarketWatch REIT articles: 10 Things You Need to […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/reits-an-asset-class-that-takes-a-lot-of-patience/">REITs: An asset class that takes a lot of patience</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast discusses the relatively short history of REIT returns. Paul informs investors about the long-term returns of this asset class, including long periods of mediocre returns. He also highlights what a great fit REITs have been with the S&P 50... Paul Merriman clean 18:43 Can I Trust Your Numbers? http://paulmerriman.com/can-i-trust-your-numbers/ Wed, 25 Mar 2015 07:00:33 +0000 http://paulmerriman.com/?p=8635 <p>In this podcast, “Can I trust your numbers?” Paul answers two common questions: “Can I trust the historical returns in your tables?”  and  “Can I believe these results will be repeated in the future?”  Paul discusses the strengths and weaknesses found in the past results, as well as suggests how to deal with estimated returns […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/can-i-trust-your-numbers/">Can I Trust Your Numbers?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast, “Can I trust your numbers?” Paul answers two common questions: “Can I trust the historical returns in your tables?”  and  “Can I believe these results will be repeated in the future?”  Paul discusses the strengths and weaknesses found ... Paul Merriman clean 21:35 4 Fund Solution http://paulmerriman.com/4-fund-solution/ Wed, 18 Mar 2015 07:00:51 +0000 http://paulmerriman.com/?p=8580 <p>In this podcast Paul reviews the returns of combining into one portfolio the S&P 500, large cap value, small cap blend and small cap value. He answers questions most investors have: What happens to the risk and return over the short to long term? What happens to the best and worst returns? If this is the first of the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/4-fund-solution/">4 Fund Solution</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast Paul reviews the returns of combining into one portfolio the S&P 500, large cap value, small cap blend and small cap value. He answers questions most investors have: What happens to the risk and return over the short to long term? Paul Merriman clean 22:51 What’s wrong with Vanguard Small Cap Value? http://paulmerriman.com/whats-wrong-vanguard-small-cap-value/ Wed, 11 Mar 2015 07:00:35 +0000 http://paulmerriman.com/?p=8525 <p>This podcast covers the historical performance of the small cap value asset class. Paul compares the risk and return covering the last 87 years in 1, 15 and 40 year periods. Learn why he believes that the Vanguard Small Cap Fund is headed for lower future returns. At the end of the podcast he asks listeners to pass this along to friends and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/whats-wrong-vanguard-small-cap-value/">What’s wrong with Vanguard Small Cap Value?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast covers the historical performance of the small cap value asset class. Paul compares the risk and return covering the last 87 years in 1, 15 and 40 year periods. Learn why he believes that the Vanguard Small Cap Fund is headed for lower fut... Paul Merriman clean 39:31 10 Things You Should Know About Small Cap Funds http://paulmerriman.com/10-things-know-small-cap-funds/ Wed, 04 Mar 2015 08:00:59 +0000 http://paulmerriman.com/?p=8470 <p>10 Things You Should Know About Small Cap Funds This podcast looks at the one year, 15 year and 40 year returns of the Small Cap Index as well as the impact of size, value and diversification on returns. Paul compares the Small Cap Index at Vanguard and DFA, and discusses the problems of active […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-things-know-small-cap-funds/">10 Things You Should Know About Small Cap Funds</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> 10 Things You Should Know About Small Cap Funds This podcast looks at the one year, 15 year and 40 year returns of the Small Cap Index as well as the impact of size, value and diversification on returns. Paul compares the Small Cap Index at Vanguard an... Paul Merriman clean 40:16 10 Things You Should Know About Large Cap Value http://paulmerriman.com/10-things-know-large-cap-value/ Wed, 25 Feb 2015 08:00:04 +0000 http://paulmerriman.com/?p=8468 <p> Paul discusses 10 of the most important things you should know about value investing. Using stories about three of the most famous value investors, he explains why your long-term performance should be amongst the best in the industry. He compares two value funds so that you can understand why one made 3.5% more for 15 years. As Paul did in his podcast on the S&P 500, he also reviews the 1, 15 […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-things-know-large-cap-value/">10 Things You Should Know About Large Cap Value</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>  Paul discusses 10 of the most important things you should know about value investing. Using stories about three of the most famous value investors, he explains why your long-term performance should be amongst the best in the industry. Paul Merriman clean 57:36 The myths and realities of the S&P 500 http://paulmerriman.com/myths-realities-sp-500/ Wed, 18 Feb 2015 08:00:57 +0000 http://paulmerriman.com/?p=8460 <p>  This podcast is the first in a series dedicated to the asset classes recommended in the combination of equity asset classes that comprise the Ultimate Buy and Hold Strategy (put link to article).  Through the articles and podcasts, investors will get a better idea of the good, bad and ugly of each asset class.  The S&P 500 […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/myths-realities-sp-500/">The myths and realities of the S&P 500</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   This podcast is the first in a series dedicated to the asset classes recommended in the combination of equity asset classes that comprise the Ultimate Buy and Hold Strategy (put link to article).  Through the articles and podcasts, Paul Merriman clean 42:39 Mario Gabelli: Genius, Guru or Goat? http://paulmerriman.com/mario-gabelli-genius-guru-goat/ Wed, 11 Feb 2015 08:00:18 +0000 http://paulmerriman.com/?p=8456 <p>  Mario Gabelli is called a legend in the investment industry. He has a solid educational background and experts respect his recommendations. He has made a fortune… but what about the investors in his funds? Did they achieve the same stardom as Gabelli? This podcasts compares those old fashion low cost indexes with the legend. Guess who […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/mario-gabelli-genius-guru-goat/">Mario Gabelli: Genius, Guru or Goat?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Mario Gabelli is called a legend in the investment industry. He has a solid educational background and experts respect his recommendations. He has made a fortune… but what about the investors in his funds? Paul Merriman clean 10:41 How Is Your Investment Portfolio Performing? http://paulmerriman.com/investment-portfolio-performing-introduction-performance/ Thu, 05 Feb 2015 16:31:01 +0000 http://paulmerriman.com/?p=8451 <p>  What are the most important things investors should know about the performance of their investments? This is the first in a series of podcasts about performance to give investors an in-depth knowledge of the asset classes Paul encourages investors to hold in their portfolios. This podcast covers many of the misleading aspects of performance […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/investment-portfolio-performing-introduction-performance/">How Is Your Investment Portfolio Performing?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   What are the most important things investors should know about the performance of their investments? This is the first in a series of podcasts about performance to give investors an in-depth knowledge of the asset classes Paul encourages investors to... Paul Merriman clean 40:00 Seven Investment FAQs http://paulmerriman.com/seven-investment-faqs/ Wed, 28 Jan 2015 11:00:45 +0000 http://paulmerriman.com/six-questions-and-answers-copy/ <p>Paul answers these common questions on investing from his readers and listeners. You can find more articles, recommendations and resources – including three FREE “How To Invest” eBooks – at PaulMerriman.com. 1.  Why don’t you recommend a technology fund? (0:46-7:17) 2.  What is the difference in the risk of each of your portfolios? Why did your portfolios do […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/seven-investment-faqs/">Seven Investment FAQs</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul answers these common questions on investing from his readers and listeners. You can find more articles, recommendations and resources – including three FREE “How To Invest” eBooks – at PaulMerriman.com. 1. Paul Merriman clean 1:03:40 Six Questions and Answers http://paulmerriman.com/six-questions-answers/ Wed, 21 Jan 2015 11:00:16 +0000 http://paulmerriman.com/review-of-2014-and-long-term-returns-copy/ <p>Paul’s answers six recently received questions from his readers and listeners. Please note that start times are included so you can go right to the question of interest to you. 1.  Can you make recommendations for the commission free ETFs at E-trade? (1:17-9:10) 2.  Should I move my money from the U.S. Government TSP to […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/six-questions-answers/">Six Questions and Answers</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul’s answers six recently received questions from his readers and listeners. Please note that start times are included so you can go right to the question of interest to you. 1.  Can you make recommendations for the commission free ETFs at E-trade? Paul Merriman clean 35:39 Review of 2014 and Long Term Returns http://paulmerriman.com/review-2014-long-term-returns/ Wed, 14 Jan 2015 11:00:26 +0000 http://paulmerriman.com/the-perfect-retirement-portfolio-copy/ <p>In this podcast, Paul reviews 2014, and all the way back to 2000, to consider the performance of the major asset classes used in the Vanguard portfolios he recommends. He shares a terrible truth about the S&P 500 that may surprise most investors, and he describes how investors can make an already terrible return much […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/review-2014-long-term-returns/">Review of 2014 and Long Term Returns</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast, Paul reviews 2014, and all the way back to 2000, to consider the performance of the major asset classes used in the Vanguard portfolios he recommends. He shares a terrible truth about the S&P 500 that may surprise most investors, Paul Merriman clean 15:14 The Perfect Retirement Portfolio http://paulmerriman.com/perfect-retirement-portfolio/ Wed, 07 Jan 2015 11:00:03 +0000 http://paulmerriman.com/john-bogles-big-bet-copy/ <p>Paul gives you the steps to put together the perfect retirement portfolio. What may be the perfect retirement portfolio for you may be very different from what Paul thinks is the best for him and his family. The key is matching your personal need or desire for return with a portfolio that gives peace of mind, even during the most turbulent markets. The risk […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/perfect-retirement-portfolio/">The Perfect Retirement Portfolio</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul gives you the steps to put together the perfect retirement portfolio. What may be the perfect retirement portfolio for you may be very different from what Paul thinks is the best for him and his family. Paul Merriman clean 17:27 John Bogle’s Big Bet http://paulmerriman.com/john-bogles-big-bet/ Wed, 31 Dec 2014 11:00:24 +0000 http://paulmerriman.com/how-to-get-the-most-out-of-paulmerriman-com-copy/ <p>John Bogle is one of the most respected experts in the investment community, considered “The father of index funds.”  In this podcast Paul responds to many of John Bogle’s misguided recommendations in an interview at ETF.com. During the interview John makes a “big bet” about the future return of small cap, value and international asset classes. Paul thinks he is dead wrong and would take his […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/john-bogles-big-bet/">John Bogle’s Big Bet</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> John Bogle is one of the most respected experts in the investment community, considered “The father of index funds.”  In this podcast Paul responds to many of John Bogle’s misguided recommendations in an interview at ETF.com. Paul Merriman clean 34:01 How To Get the Most Out of PaulMerriman.com http://paulmerriman.com/get-paulmerriman-com/ Wed, 24 Dec 2014 11:00:36 +0000 http://paulmerriman.com/how-do-i-make-the-move-back-into-the-market-copy/ <p>Paul presents the many financial education resources at paulmerriman.com to help investors improve their financial future. Learn about free access to a library of Marketwatch.com articles, podcasts, free books, and free recommendations for mutual funds, ETF’s and 401(k) plans to improve returns and reduce risk. </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/get-paulmerriman-com/">How To Get the Most Out of PaulMerriman.com</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul presents the many financial education resources at paulmerriman.com to help investors improve their financial future. Learn about free access to a library of Marketwatch.com articles, podcasts, free books, Paul Merriman clean 25:27 How Do I Make the Move Back Into The Market? http://paulmerriman.com/make-move-back-market/ Wed, 17 Dec 2014 11:00:56 +0000 http://paulmerriman.com/the-outrage-of-the-year-copy/ <p>The most common question I receive is about moving cash positions into the market. I have addressed this topic several times, but here’s one more try.  There is no “answer” other than to find a comfortable way to get back to the asset allocation that’s appropriate for the long term. I hope these comments will […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/make-move-back-market/">How Do I Make the Move Back Into The Market?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The most common question I receive is about moving cash positions into the market. I have addressed this topic several times, but here’s one more try.  There is no “answer” other than to find a comfortable way to get back to the asset allocation that’s... Paul Merriman clean 11:43 The Outrage of the Year! http://paulmerriman.com/outrage-year/ Wed, 10 Dec 2014 11:00:37 +0000 http://paulmerriman.com/is-it-time-to-make-changes-in-our-portfolios-copy/ <p>The Outrage of the Year!   For most of the last 30 plus years I have been a pain in the backside for brokers, as I have tried my best to warn investors about the dangers of doing business with an financial advisor who is compensated on a commission basis. In my book, “Get Smart […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/outrage-year/">The Outrage of the Year!</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The Outrage of the Year!   For most of the last 30 plus years I have been a pain in the backside for brokers, as I have tried my best to warn investors about the dangers of doing business with an financial advisor who is compensated on a commission bas... Paul Merriman clean 9:51 Is it time to make changes in our portfolios? http://paulmerriman.com/time-make-changes-portfolios/ Wed, 03 Dec 2014 11:00:07 +0000 http://paulmerriman.com/?p=8210 <p>With the recent rise in the S&P 500 it’s happening again.  Investors are wanting to know if we should be reducing our positions in international equity asset classes and investing more in the S&P and other U.S. equity asset classes. In this podcast I discuss the challenges of owning a more diversified portfolio.  Have there be changes in international […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/time-make-changes-portfolios/">Is it time to make changes in our portfolios?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> With the recent rise in the S&P 500 it’s happening again.  Investors are wanting to know if we should be reducing our positions in international equity asset classes and investing more in the S&P and other U.S. equity asset classes. Paul Merriman clean 13:11 Retirement Distribution Strategies http://paulmerriman.com/retirement-distribution-strategies/ Wed, 26 Nov 2014 11:00:30 +0000 http://paulmerriman.com/?p=8197 <p>Paul talks with Ken Roberts of Ken’s Bulls and Bears Report about distributions in retirement. Paul answers many of the most common questions about distributions, such as when, how much do you need to retire? From where in a portfolio should you take money? How much should you be able to take out of investments in retirement? […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/retirement-distribution-strategies/">Retirement Distribution Strategies</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul talks with Ken Roberts of Ken’s Bulls and Bears Report about distributions in retirement. Paul answers many of the most common questions about distributions, such as when, how much do you need to retire? Paul Merriman clean 44:28 10 Reasons I Don’t Like Vanguard’s Total Stock Market Index Fund http://paulmerriman.com/10-reasons-dont-like-vanguards-total-stock-market-index-fund/ Wed, 19 Nov 2014 11:00:24 +0000 http://paulmerriman.com/?p=8182 <p>Paul discuss the key disadvantages of Vanguard’s largest fund and why Vanguard recommends investors put so much confidence and money into this, and its sister fund, that represent the international markets.  Find out why Paul believes using this fund can set your retirement back one to five years and cost your heirs millions of dollars. […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-reasons-dont-like-vanguards-total-stock-market-index-fund/">10 Reasons I Don’t Like Vanguard’s Total Stock Market Index Fund</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discuss the key disadvantages of Vanguard’s largest fund and why Vanguard recommends investors put so much confidence and money into this, and its sister fund, that represent the international markets. Paul Merriman clean 30:45 8 lessons from 80 years of history http://paulmerriman.com/8-lessons-80-years-history/ Sat, 15 Nov 2014 11:00:55 +0000 http://paulmerriman.com/?p=8208 <p>  Experts conclude that over 90% of long term investment returns come from your choice of asset classes.  In this podcast Paul discusses 8 separate decades of asset class returns so that you realize that the next 10 years may look a lot different from the expected long term return.  This information will hopefully help […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/8-lessons-80-years-history/">8 lessons from 80 years of history</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Experts conclude that over 90% of long term investment returns come from your choice of asset classes.  In this podcast Paul discusses 8 separate decades of asset class returns so that you realize that the next 10 years may look a lot different from ... Paul Merriman clean 20:23 Three Huge Investment Decisions http://paulmerriman.com/three-huge-investment-decisions/ Wed, 12 Nov 2014 11:00:42 +0000 http://paulmerriman.com/?p=8159 <p>Three Huge Investment Decisions Paul discusses the three most important investment decisions people make: 1. Using the past as the best indicator of the future or basing decisions on other sources of important information? 2. Building a portfolio based on a few carefully selected securities or diversifying massively? 3. Do it yourself or get professional […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/three-huge-investment-decisions/">Three Huge Investment Decisions</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Three Huge Investment Decisions Paul discusses the three most important investment decisions people make: 1. Using the past as the best indicator of the future or basing decisions on other sources of important information? 2. Paul Merriman clean 18:11 Should My Advisor Be Local? http://paulmerriman.com/advisor-local/ Wed, 05 Nov 2014 11:00:06 +0000 http://paulmerriman.com/my-favorite-vanguard-balanced-fund-copy/ <p>In this podcast, Paul responds to 3 questions recently received from his listener/readers: 1. Is it important that a financial advisor to be local?  2. What are the step-by-step instructions to implement strategies, from Paul’s popular MarketWatch article, to “Make Your Kid Rich For $1 A Day,”?  3. Why does the graph in “The Ultimate Buy and Hold […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/advisor-local/">Should My Advisor Be Local?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast, Paul responds to 3 questions recently received from his listener/readers: 1. Is it important that a financial advisor to be local?  2. What are the step-by-step instructions to implement strategies, Paul Merriman clean 25:39 My favorite Vanguard balanced fund http://paulmerriman.com/favorite-vanguard-balanced-fund/ Wed, 29 Oct 2014 10:00:52 +0000 http://paulmerriman.com/hedgefunds-the-good-the-bad-and-the-ugly-copy/ <p>Lots of investors are looking for a one-fund solution, especially those near or in retirement. That would require a balanced fund with the right combination of equity and fixed income. In this podcast, Paul compares 5 Vanguard balanced funds. It’s a tough decision, but Paul shares the balanced fund, or funds, he would use and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/favorite-vanguard-balanced-fund/">My favorite Vanguard balanced fund</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Lots of investors are looking for a one-fund solution, especially those near or in retirement. That would require a balanced fund with the right combination of equity and fixed income. In this podcast, Paul compares 5 Vanguard balanced funds. Paul Merriman clean 18:47 Hedgefunds – The Good, The Bad and The Ugly http://paulmerriman.com/hedgefunds-the-good-the-bad-the-ugly/ Wed, 22 Oct 2014 10:00:41 +0000 http://paulmerriman.com/2014/10/21/what-you-should-know-about-401k-plans-copy/ <p>This podcast is in response to the latest announcement by CALPRS, the California Public Employees’ Retirement System, that they have decided to liquidate their $4 billion in hedge fund investments. Paul discusses the sad truth about the expense, returns and slippery nature of the hedge fund industry. Here is just one of the many aspects […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/hedgefunds-the-good-the-bad-the-ugly/">Hedgefunds – The Good, The Bad and The Ugly</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast is in response to the latest announcement by CALPRS, the California Public Employees’ Retirement System, that they have decided to liquidate their $4 billion in hedge fund investments. Paul discusses the sad truth about the expense, Paul Merriman clean 22:21 What You Should Know About 401(k) Plans http://paulmerriman.com/what-you-should-know-about-401k-plans/ Wed, 15 Oct 2014 10:00:51 +0000 http://paulmerriman.com/2014/10/14/should-you-own-alternative-investments-copy/ <p>Paul is interviewed by Ken Roberts on his radio program Bulls and Bears  In this edited (originally one hour) program, recorded Sept. 27, 2014, Paul discusses  401(k) investing, employer matches, how to choose funds, costs of administration, long-term planning, and distributions in retirement. Like Paul, Ken is a regular contributor to MarketWatch’s “RetireMentor” financial advice columns. You can access his […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-you-should-know-about-401k-plans/">What You Should Know About 401(k) Plans</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul is interviewed by Ken Roberts on his radio program Bulls and Bears  In this edited (originally one hour) program, recorded Sept. 27, 2014, Paul discusses  401(k) investing, employer matches, how to choose funds, costs of administration, Paul Merriman clean 47:30 Should you own alternative investments? http://paulmerriman.com/whose-performance-trust-2/ Wed, 08 Oct 2014 10:00:12 +0000 http://paulmerriman.com/2014/10/07/whose-performance-do-you-trust-copy/ <p>This podcast in is response to a question posed by a retired investor whose advisor recommends he increase his investments in alternative investments. Paul pulls out all the plugs to tell about the good, the bad and the ugly regarding this questionable asset class. In the process, he tells investors what’s likely to be a […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/whose-performance-trust-2/">Should you own alternative investments?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast in is response to a question posed by a retired investor whose advisor recommends he increase his investments in alternative investments. Paul pulls out all the plugs to tell about the good, the bad and the ugly regarding this questionable... Paul Merriman clean 24:26 Whose performance do you trust? http://paulmerriman.com/whose-performance-trust/ Wed, 01 Oct 2014 01:52:08 +0000 http://paulmerriman.com/2014/09/30/is-the-small-cap-premium-gone-copy/ <p>One of the biggest risks investors take is basing their decisions on bad investment advice. Sometimes the bad advice comes from commission-motivated salespeople. Sometimes the bad advice comes from ignorant, inexperienced well-meaning advisors who are just learning the business. Often those newcomers have gotten their information from people who have questionable beliefs. And sometimes the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/whose-performance-trust/">Whose performance do you trust?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> One of the biggest risks investors take is basing their decisions on bad investment advice. Sometimes the bad advice comes from commission-motivated salespeople. Sometimes the bad advice comes from ignorant, Paul Merriman clean 18:15 Is the small cap premium gone? http://paulmerriman.com/is-small-cap-premium-gone/ Wed, 24 Sep 2014 10:00:49 +0000 http://paulmerriman.com/?p=7751 <p>For the last 15 years, a lot of market experts have said that the small cap and value premiums are a thing of the past. Their position is normally based on the idea that once a premium has become common knowledge it goes away. Of course that would suggest that once the premium of stocks […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-small-cap-premium-gone/">Is the small cap premium gone?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> For the last 15 years, a lot of market experts have said that the small cap and value premiums are a thing of the past. Their position is normally based on the idea that once a premium has become common knowledge it goes away. Paul Merriman clean 21:51 Paul answers your questions http://paulmerriman.com/paul-answers-questions/ Wed, 17 Sep 2014 10:00:13 +0000 http://paulmerriman.com/?p=7726 <p>In this podcast Paul answer 5 questions: 1. Why should I pay fees to a fund manager if I can build the fund myself? 2. Do REITs make sense in a taxable account? 3. Should I invest in a REIT ETF or mutual fund? 4. How should I dollar cost average $100,000 into the market? […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/paul-answers-questions/">Paul answers your questions</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast Paul answer 5 questions: 1. Why should I pay fees to a fund manager if I can build the fund myself? 2. Do REITs make sense in a taxable account? 3. Should I invest in a REIT ETF or mutual fund? 4. How should I dollar cost average $100, Paul Merriman clean 26:21 How to fix a broken portfolio http://paulmerriman.com/7700/ Wed, 10 Sep 2014 10:00:56 +0000 http://paulmerriman.com/?p=7700 <p>In this podcast Paul discusses four major challenges to fixing a broken portfolio. Almost every question he receives is about how to make something that isn’t working, start working. Broken portfolios can be repaired with a handful of simple steps, but they’re not necessarily easy steps. Change, even in the face of obvious advantages is […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/7700/">How to fix a broken portfolio</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast Paul discusses four major challenges to fixing a broken portfolio. Almost every question he receives is about how to make something that isn’t working, start working. Broken portfolios can be repaired with a handful of simple steps, Paul Merriman clean 20:57 How To Get The Most From Your 401(k) Plan http://paulmerriman.com/how-to-get-the-most-from-your-401k-plan/ Wed, 03 Sep 2014 10:00:20 +0000 http://paulmerriman.com/?p=7658 <p>The 401(k) is the backbone of most retirements, yet millions of people are investing in 401(k) plans with mediocre offerings. To help make the most of your retirement investment, Paul Merriman offers recommendations for more than 100 Top U.S. company plans and the U.S. Government TSP at his website  In this podcast he explains why and how to […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-to-get-the-most-from-your-401k-plan/">How To Get The Most From Your 401(k) Plan</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The 401(k) is the backbone of most retirements, yet millions of people are investing in 401(k) plans with mediocre offerings. To help make the most of your retirement investment, Paul Merriman offers recommendations for more than 100 Top U.S. Paul Merriman clean 17:54 Differences between Vanguard and DFA Emerging Market Funds http://paulmerriman.com/differences-vanguard-dfa-emerging-market-funds/ Wed, 27 Aug 2014 10:00:41 +0000 http://paulmerriman.com/?p=7593 <p>Focusing on the differences between Vanguard and Dimensional Fund Advisors (DFA) funds, this podcast compares the Vanguard Emerging Markets Fund with four different emerging market funds at DFA. There is no secret to the advantages at DFA but it does take some analysis to understand the way their portfolios are constructed.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/differences-vanguard-dfa-emerging-market-funds/">Differences between Vanguard and DFA Emerging Market Funds</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Focusing on the differences between Vanguard and Dimensional Fund Advisors (DFA) funds, this podcast compares the Vanguard Emerging Markets Fund with four different emerging market funds at DFA. There is no secret to the advantages at DFA but it does t... Paul Merriman clean 20:35 Make your kid rich for $1 a day http://paulmerriman.com/make-kid-rich-1-day/ Wed, 20 Aug 2014 10:00:21 +0000 http://paulmerriman.com/?p=5615 <p>Paul discusses his most-popular MarketWatch article by the same name, which outlines how wise parents and grandparents can make a small annual contribution to a child’s saving and ensure their future financial security.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/make-kid-rich-1-day/">Make your kid rich for $1 a day</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses his most-popular MarketWatch article by the same name, which outlines how wise parents and grandparents can make a small annual contribution to a child’s saving and ensure their future financial security. Paul Merriman clean 34:45 Ken Roberts’ Bulls and Bears – A Radio Interview with Paul Merriman http://paulmerriman.com/ken-roberts-bulls-bears-a-radio-interview-paul-merriman/ Wed, 13 Aug 2014 10:00:02 +0000 http://paulmerriman.com/?p=5603 <p>Ken Roberts’ Bulls and Bears – A Radio Interview with Paul Merriman Paul discusses a wide range of investment topics, why and how investors fail and succeed and offers his sound investing advice. We recommend you skip through the radio show ads and enjoy Paul’s interview.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/ken-roberts-bulls-bears-a-radio-interview-paul-merriman/">Ken Roberts’ Bulls and Bears – A Radio Interview with Paul Merriman</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Ken Roberts’ Bulls and Bears – A Radio Interview with Paul Merriman Paul discusses a wide range of investment topics, why and how investors fail and succeed and offers his sound investing advice. We recommend you skip through the radio show ads and enj... Paul Merriman clean 48:09 8 Secrets to help you retire today and enjoy it! http://paulmerriman.com/8-secrets-help-retire-today-enjoy-it/ Wed, 06 Aug 2014 10:00:49 +0000 http://paulmerriman.com/?p=5580 <p>Paul Farrell is one of the most popular writers on Marketwatch.com. Many of his articles are focused on “gloom and doom,” some list the reasons to “buy now,” and an even smaller number address money and lifestyle. The money and lifestyle articles are Paul Merriman’s favorites, although he suspects they are the least read. A recent […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/8-secrets-help-retire-today-enjoy-it/">8 Secrets to help you retire today and enjoy it!</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Farrell is one of the most popular writers on Marketwatch.com. Many of his articles are focused on “gloom and doom,” some list the reasons to “buy now,” and an even smaller number address money and lifestyle. Paul Merriman clean 13:08 Q&A Regarding Paul Merriman’s Recommended Portfolios http://paulmerriman.com/qa-regarding-paul-merrimans-recommended-portfolios/ Wed, 30 Jul 2014 10:00:33 +0000 http://paulmerriman.com/?p=5571 <p>Q&A Regarding Paul Merriman’s Recommended Portfolios This 30-minute podcast gives investors a better understanding of how and why I put together my recommended portfolios. Question #1: Why not substitute some bond funds that pay higher rates of return, like peer-to-peer lending securities that pay over 10%? Question #2: Is it possible to make rebalancing easier […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/qa-regarding-paul-merrimans-recommended-portfolios/">Q&A Regarding Paul Merriman’s Recommended Portfolios</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Q&A Regarding Paul Merriman’s Recommended Portfolios This 30-minute podcast gives investors a better understanding of how and why I put together my recommended portfolios. Question #1: Why not substitute some bond funds that pay higher rates of return,... Paul Merriman clean 29:59 Q&A Regarding Asset Allocation, Financial Advice, Stocks vs. Bonds, and CDs http://paulmerriman.com/qa-regarding-asset-allocation-financial-advice-stocks-vs-bonds-cds/ Wed, 23 Jul 2014 10:00:05 +0000 http://paulmerriman.com/?p=5549 <p>In this podcast, Paul continues to answer questions from readers and listeners. Question #1:  I just received $300,000 from the sale of a company and would like to invest in a handful of funds and stocks I like. What do you think of my asset allocation? Question #2:  Should I put all my bonds in my tax deferred […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/qa-regarding-asset-allocation-financial-advice-stocks-vs-bonds-cds/">Q&A Regarding Asset Allocation, Financial Advice, Stocks vs. Bonds, and CDs</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast, Paul continues to answer questions from readers and listeners. Question #1:  I just received $300,000 from the sale of a company and would like to invest in a handful of funds and stocks I like. Paul Merriman clean 29:59 Q&A Regarding Bonds, Index Funds, ETFs and 401(k) Diversification http://paulmerriman.com/qa-regarding-bonds-index-funds-etfs-401k-diversification/ Wed, 16 Jul 2014 10:00:17 +0000 http://paulmerriman.com/?p=5543 <p>In this podcast Paul responds to questions by readers and listeners. Question #1: In your “Ultimate Buy and Hold Strategy,” you use 40% bonds. What is the impact if you invested less in bonds? How much does a change in bonds change the expected return? Questions #2: My 401(k) only has three index funds – […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/qa-regarding-bonds-index-funds-etfs-401k-diversification/">Q&A Regarding Bonds, Index Funds, ETFs and 401(k) Diversification</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast Paul responds to questions by readers and listeners. Question #1: In your “Ultimate Buy and Hold Strategy,” you use 40% bonds. What is the impact if you invested less in bonds? How much does a change in bonds change the expected return?... Paul Merriman clean 14:31 First Half of 2014: What Have We Learned? http://paulmerriman.com/first-half-2014-what-have-we-learned/ Wed, 09 Jul 2014 10:00:28 +0000 http://paulmerriman.com/?p=5532 <p>The first half of 2014 was pretty good. This podcast reviews the results and lessons it has taught us about long-term investing. It also compares some funds at Vanguard, DFA, and at Warren Buffet’s Berkshire Hathaway for the 6 months and 15 years ending June 30, 2014.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/first-half-2014-what-have-we-learned/">First Half of 2014: What Have We Learned?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The first half of 2014 was pretty good. This podcast reviews the results and lessons it has taught us about long-term investing. It also compares some funds at Vanguard, DFA, and at Warren Buffet’s Berkshire Hathaway for the 6 months and 15 years endin... Paul Merriman clean 20:35 How to Use Morningstar http://paulmerriman.com/how-use-morningstar/ Wed, 02 Jul 2014 10:00:09 +0000 http://paulmerriman.com/?p=5528 <p>This podcast is in response to a question from a listener. He says, “Most of my non-retirement equity is in the U.S. Vanguard Total Market Index. What percentage of this fund is in the asset classes you recommend?” I used this question to show investors how to use the Morningstar free data base to figure […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-use-morningstar/">How to Use Morningstar</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast is in response to a question from a listener. He says, “Most of my non-retirement equity is in the U.S. Vanguard Total Market Index. What percentage of this fund is in the asset classes you recommend? Paul Merriman clean 9:18 Are ETFs not living up to expectations? http://paulmerriman.com/5498/ Wed, 25 Jun 2014 10:00:40 +0000 http://paulmerriman.com/?p=5498 <p>Are ETFs not living up to expectations? This podcast was suggested by a listener who read an article by Mark Hulbert, who noted that newsletters that used ETFs were getting lower returns with ETFs than open-end mutual funds. In this podcast I compare my returns, (as tracked by Mark Hulbert), with the rest of the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/5498/">Are ETFs not living up to expectations?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Are ETFs not living up to expectations? This podcast was suggested by a listener who read an article by Mark Hulbert, who noted that newsletters that used ETFs were getting lower returns with ETFs than open-end mutual funds. Paul Merriman clean 7:58 What’s Wrong with Vanguard http://paulmerriman.com/5492/ Wed, 18 Jun 2014 10:00:17 +0000 http://paulmerriman.com/?p=5492 <p>I am as big a fan of Vanguard.  I have recommended their funds for over 15 years and said, without hesitancy, that Vanguard is the best place for do-it-yourself investors to invest.  They are a terrific source of index funds and ETFs and they do a terrific job of educating investors. That said, I also […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/5492/">What’s Wrong with Vanguard</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> I am as big a fan of Vanguard.  I have recommended their funds for over 15 years and said, without hesitancy, that Vanguard is the best place for do-it-yourself investors to invest.  They are a terrific source of index funds and ETFs and they do a terr... Paul Merriman clean 18:14 Finding a Mentor http://paulmerriman.com/finding-mentor/ Wed, 11 Jun 2014 10:00:10 +0000 http://paulmerriman.com/?p=5476 <p>I recently addressed a group of graduating seniors at Western Washington University on the topic, “10 steps you should take in the first 12 months after you graduate,” and, of course, the importance of finding a mentor cannot be understated. This podcast will give you some ideas both where to find a mentor and how […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/finding-mentor/">Finding a Mentor</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> I recently addressed a group of graduating seniors at Western Washington University on the topic, “10 steps you should take in the first 12 months after you graduate,” and, of course, the importance of finding a mentor cannot be understated. Paul Merriman clean 18:14 Eight Secrets to Help You Retire Today! http://paulmerriman.com/eight-secrets-help-you-retire-today/ Wed, 04 Jun 2014 10:00:49 +0000 http://paulmerriman.com/?p=5462 <p>I greatly enjoy teaching and talking with young people, and when I recently asked university students about the dollar amount they believe they need to retire, they said $1 million. Interestingly, that is the same amount I was told by students in 1966. On an inflation-adjusted basis, that 1966 $1 million would be more than […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/eight-secrets-help-you-retire-today/">Eight Secrets to Help You Retire Today!</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> I greatly enjoy teaching and talking with young people, and when I recently asked university students about the dollar amount they believe they need to retire, they said $1 million. Interestingly, that is the same amount I was told by students in 1966.... Paul Merriman clean 13:09 Superior Diversification on a Shoestring Budget http://paulmerriman.com/5446/ Wed, 28 May 2014 10:00:01 +0000 http://paulmerriman.com/?p=5446 <p>More than10 years ago, Rich Buck and Paul Merriman wrote a popular article titled, “Superior Diversification on a Shoestring Budget.”  It is amazing how far the industry has come since the article was released. It focused on how to build a broadly diversified Vanguard portfolio following Paul’s Vanguard Aggressive Portfolio using 9 different funds. To complete […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/5446/">Superior Diversification on a Shoestring Budget</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> More than10 years ago, Rich Buck and Paul Merriman wrote a popular article titled, “Superior Diversification on a Shoestring Budget.”  It is amazing how far the industry has come since the article was released. Paul Merriman clean 12:23 Overcoming Hurdles To Saving and Investing For The Beginning Investor http://paulmerriman.com/overcoming-hurdles-to-saving-investing-for-the-beginning-investor/ Wed, 21 May 2014 10:00:14 +0000 http://paulmerriman.com/?p=5431 <p>by Stacy Gary (Podcast #8 in the series, Hurdle #2: “I lack the funds.”)  “I Lack Funds” While “buy low, sell high” is common sense, we do not always exercise common sense, and often make decisions based on emotion; especially with money, which is a deeply emotional topic. Stacy references the book, “The Behavior Gap” by Carl Richards, that […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/overcoming-hurdles-to-saving-investing-for-the-beginning-investor/">Overcoming Hurdles To Saving and Investing For The Beginning Investor</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> by Stacy Gary (Podcast #8 in the series, Hurdle #2: “I lack the funds.”)  “I Lack Funds” While “buy low, sell high” is common sense, we do not always exercise common sense, and often make decisions based on emotion; especially with money, Paul Merriman clean 6:24 Warren Buffet recommends S&P for wife http://paulmerriman.com/warren-buffet-recommends-sp-wife/ Wed, 14 May 2014 10:00:27 +0000 http://paulmerriman.com/?p=5382 <p>In a recent TV interview, Warren Buffet spent 3 hours answering a barrage of questions from a group of popular hosts on CNBC. Many of the questions were expected and a few were new and interesting to hear his perspective. I think you will enjoy his perspective to the question, “Is the market rigged?” You […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/warren-buffet-recommends-sp-wife/">Warren Buffet recommends S&P for wife</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In a recent TV interview, Warren Buffet spent 3 hours answering a barrage of questions from a group of popular hosts on CNBC. Many of the questions were expected and a few were new and interesting to hear his perspective. Paul Merriman clean 23:15 Dalbar Study http://paulmerriman.com/dalbar-study/ Wed, 07 May 2014 10:00:39 +0000 http://paulmerriman.com/?p=5376 <p>Recently, I spent two days at Western Washington University, speaking to five different groups of students. Several students asked about the pros and cons of trying to improve portfolio performance through trading, adding value through short- to intermediate-term gains. They wanted to know what evidence exists to show why trading isn’t better than the long-term, […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/dalbar-study/">Dalbar Study</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Recently, I spent two days at Western Washington University, speaking to five different groups of students. Several students asked about the pros and cons of trying to improve portfolio performance through trading, Paul Merriman clean 16:43 Podcast: How $40,000 Can Add $2,000,000 to Your Retirement http://paulmerriman.com/podcast-how-40000-can-add-2000000-to-your-retirement/ Wed, 30 Apr 2014 10:00:18 +0000 http://paulmerriman.com/?p=5359 <p>Paul shares a great way to increase your retirement by this one simple step.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/podcast-how-40000-can-add-2000000-to-your-retirement/">Podcast: How $40,000 Can Add $2,000,000 to Your Retirement</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul shares a great way to increase your retirement by this one simple step. Paul Merriman clean 10:46 The ultimate retirement DISTRIBUTION strategy http://paulmerriman.com/the-ultimate-retirement-distribution-strategy/ Wed, 23 Apr 2014 10:00:02 +0000 http://paulmerriman.com/?p=5314 <p>The Ultimate Retirement Distribution Strategy – using variable distribution  In last weeks podcast, Paul addressed a strategy for those needing a fixed stream of income you can count on. This week, he explains how you can take best advantage of variable distributions, if you can tolerate cash flow that goes up and down depending on the success of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-ultimate-retirement-distribution-strategy/">The ultimate retirement DISTRIBUTION strategy</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The Ultimate Retirement Distribution Strategy – using variable distribution  In last weeks podcast, Paul addressed a strategy for those needing a fixed stream of income you can count on. This week, he explains how you can take best advantage of variabl... Paul Merriman clean 24:39 Optimizing Retirement Income For Fixed Distributions http://paulmerriman.com/optimizing-retirement-income-for-fixed-distributions/ Thu, 17 Apr 2014 15:51:49 +0000 http://paulmerriman.com/?p=5352 <p>How much can you afford to withdraw from your accounts in retirement? This podcast discusses how to make your retirement last a lifetime using fixed distributions, or consistently living on a fixed stream of income. To get the most from this, also see the related articles and charts at: http://paulmerriman.com/retirement-distributions-how-much-can-you-afford/. In upcoming podcasts, Paul will address […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/optimizing-retirement-income-for-fixed-distributions/">Optimizing Retirement Income For Fixed Distributions</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> How much can you afford to withdraw from your accounts in retirement? This podcast discusses how to make your retirement last a lifetime using fixed distributions, or consistently living on a fixed stream of income. To get the most from this, Paul Merriman clean 36:37 Paul Answers Your Questions http://paulmerriman.com/paul-answers-your-questions/ Wed, 09 Apr 2014 10:00:34 +0000 http://paulmerriman.com/?p=5317 <p>In this Podcast Paul answers investment questions, and even a personal one. 1. Our money is in taxable accounts. Your Vanguard, Fidelity and T Rowe Price portfolios are for tax-deferred investors. What changes should we make for taxable accounts? 2. How does your portfolio compare to U.S and international total market indexes? 3. Is 30% […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/paul-answers-your-questions/">Paul Answers Your Questions</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this Podcast Paul answers investment questions, and even a personal one. 1. Our money is in taxable accounts. Your Vanguard, Fidelity and T Rowe Price portfolios are for tax-deferred investors. What changes should we make for taxable accounts? 2. Paul Merriman clean 17:59 The Ultimate Buy and Hold Strategy 2014 http://paulmerriman.com/the-ultimate-buy-hold-strategy-2014/ Wed, 02 Apr 2014 09:00:52 +0000 http://paulmerriman.com/?p=4990 <p>Everyone should have an “ultimate strategy,” based on the best way you know how to do something. This podcast, updated for 2014,  presents the best way I’ve found to position yourself for the future. The ultimate strategy must have a long history of success, be able to be managed simply, offer better rates of return on […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-ultimate-buy-hold-strategy-2014/">The Ultimate Buy and Hold Strategy 2014</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Everyone should have an “ultimate strategy,” based on the best way you know how to do something. This podcast, updated for 2014,  presents the best way I’ve found to position yourself for the future. The ultimate strategy must have a long history of su... Paul Merriman clean 41:52 The Ultimate Buy and Hold Strategy 2014 Podcast http://paulmerriman.com/the-ultimate-buy-and-hold-strategy-2014-podcast/ Wed, 02 Apr 2014 09:00:52 +0000 http://paulmerriman.com/?p=4990 <p>Everyone should have an “ultimate strategy,” based on the best way you know how to do something. This podcast, updated for 2014,  presents the best way I’ve found to position yourself for the future. The ultimate strategy must have a long history of success, be able to be managed simply, offer better rates of return on […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-ultimate-buy-and-hold-strategy-2014-podcast/">The Ultimate Buy and Hold Strategy 2014 Podcast</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Everyone should have an “ultimate strategy,” based on the best way you know how to do something. This podcast, updated for 2014,  presents the best way I’ve found to position yourself for the future. The ultimate strategy must have a long history of su... Paul Merriman clean 41:52 How Do Predictions of a 2014 Crash Affect You? http://paulmerriman.com/how-do-predictions-2014-crash-affect-you/ Wed, 26 Mar 2014 10:00:54 +0000 http://paulmerriman.com/?p=5274 <p>The # 1 article on Marketwatch.com last week was entitled, “New doomsday poll: 99.9% risk of 2014 crash.” This warning is a compilation of scary predictions about the losses investors are about to experience. What scares a lot of readers is the names of the “experts” are well known and very convinced of their positions. Paul warns […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-do-predictions-2014-crash-affect-you/">How Do Predictions of a 2014 Crash Affect You?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The # 1 article on Marketwatch.com last week was entitled, “New doomsday poll: 99.9% risk of 2014 crash.” This warning is a compilation of scary predictions about the losses investors are about to experience. Paul Merriman clean 13:33 22 Advantages of Index Funds http://paulmerriman.com/22-advantages-index-funds/ Wed, 19 Mar 2014 10:00:03 +0000 http://paulmerriman.com/?p=5069 <p>In this 10-minute podcast, Paul Merriman covers 22 advantages of index funds and index ETFs. There is no other investment in the securities industry that has so many advantages. Whether you are a first time investor or a multi-millionaire, index funds and ETFs are the best answer to meet most investor’s long term needs.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/22-advantages-index-funds/">22 Advantages of Index Funds</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this 10-minute podcast, Paul Merriman covers 22 advantages of index funds and index ETFs. There is no other investment in the securities industry that has so many advantages. Whether you are a first time investor or a multi-millionaire, Paul Merriman clean 11:01 Answers to Questions Posed By Sound Investing Listeners http://paulmerriman.com/answers-questions-posed-by-sound-investing-listeners/ Wed, 12 Mar 2014 10:00:08 +0000 http://paulmerriman.com/?p=4960 <p>  This podcast answers questions currently on the minds of our podcast listeners and readers.  The questions are: 1.  Why don’t you recommend dividend-based funds?  I think you will be surprised by the answer. 2.  Where is the reward in watching dividends and stocks go up and down? 3.  What do the headings and percentages in your conservative, moderate […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/answers-questions-posed-by-sound-investing-listeners/">Answers to Questions Posed By Sound Investing Listeners</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   This podcast answers questions currently on the minds of our podcast listeners and readers.  The questions are: 1.  Why don’t you recommend dividend-based funds?  I think you will be surprised by the answer. 2. Paul Merriman clean 21:38 Who Can Investors Trust? http://paulmerriman.com/who-can-investors-trust/ Wed, 05 Mar 2014 11:00:55 +0000 http://paulmerriman.com/?p=4879 <p>This Podcast is the first in a series intended to supplement what students are learning at Western Washington University’s “Personal Finance” course funded by The Merriman Financial Education Foundation.  This information is especially for first-time investors, but Paul believes most investors will find value in listening to this series. While it’s not easy to identify who’s information is […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/who-can-investors-trust/">Who Can Investors Trust?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This Podcast is the first in a series intended to supplement what students are learning at Western Washington University’s “Personal Finance” course funded by The Merriman Financial Education Foundation.  This information is especially for first-time i... Paul Merriman clean 14:45 How to buy an immediate life annuity http://paulmerriman.com/how-buy-immediate-life-annuity/ Wed, 26 Feb 2014 11:00:39 +0000 http://paulmerriman.com/?p=4866 <p>Should you use an immediate life annuity (ILA)… or should you maintain control of your money by investing in stocks or bonds?  For many people, ILAs are the only way they can fund their retirement, as they have insufficient savings and/or investment knowledge. Paul discusses the ILA and explains how annuities are priced, plus the lowest […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-buy-immediate-life-annuity/">How to buy an immediate life annuity</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Should you use an immediate life annuity (ILA)… or should you maintain control of your money by investing in stocks or bonds?  For many people, ILAs are the only way they can fund their retirement, as they have insufficient savings and/or investment kn... Paul Merriman clean 25:36 The Magic of One Percent http://paulmerriman.com/the-magic-one-percent/ Wed, 19 Feb 2014 11:00:52 +0000 http://paulmerriman.com/?p=4851 <p>One percent sounds like such a small amount. Yet, over time, it can make a huge difference in your financial security and retirement income. Paul explains how to maximize your return on investments and take advantage of this profound difference in your investment portfolio management.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-magic-one-percent/">The Magic of One Percent</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> One percent sounds like such a small amount. Yet, over time, it can make a huge difference in your financial security and retirement income. Paul explains how to maximize your return on investments and take advantage of this profound difference in your... Paul Merriman clean 12:32 An Amazing Gift For A Child http://paulmerriman.com/an-amazing-gift-for-a-child/ Wed, 12 Feb 2014 11:00:43 +0000 http://paulmerriman.com/?p=4838 <p>For more than 30 years, Paul has been encouraging parents and grandparents to put a little aside each year for a child, with the intent of giving them a jump start on their retirement savings account.  In this podcast Paul walks listeners through the steps to turn a $1 dollar a day investment, over 16 years, into […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/an-amazing-gift-for-a-child/">An Amazing Gift For A Child</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> For more than 30 years, Paul has been encouraging parents and grandparents to put a little aside each year for a child, with the intent of giving them a jump start on their retirement savings account.  In this podcast Paul walks listeners through the s... Paul Merriman clean 13:32 Fine Tuning Your Asset Allocation 2014 http://paulmerriman.com/fine-tuning-your-asset-allocation-2014/ Wed, 05 Feb 2014 11:00:43 +0000 http://paulmerriman.com/?p=4796 <p>Fine Tuning Your Asset Allocation 2014 Determine the right balance of equity and fixed income indexes in your portfolio! This podcast provides a quick review of how to use the new, updated Fine Tuning Table.   Plus, Paul discusses returns for 2013 in comparison to 1994, which was the last time bonds suffered a substantial loss. And he […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/fine-tuning-your-asset-allocation-2014/">Fine Tuning Your Asset Allocation 2014</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Fine Tuning Your Asset Allocation 2014 Determine the right balance of equity and fixed income indexes in your portfolio! This podcast provides a quick review of how to use the new, updated Fine Tuning Table.   Plus, Paul Merriman clean 15:47 Hulbert Financial Digest Results http://paulmerriman.com/hulbert-financial-digest-results/ Wed, 29 Jan 2014 11:00:46 +0000 http://paulmerriman.com/?p=4782 <p>The Hulbert Financial Digest is the only real record of the performance of financial newsletters. Having subscribed to Hulbert for over 20 years, Paul investigates the annual issue which reports the latest results, short and long term. In this podcast Paul discusses the best lessons from this annual issue and how his free recommendations compare […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/hulbert-financial-digest-results/">Hulbert Financial Digest Results</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The Hulbert Financial Digest is the only real record of the performance of financial newsletters. Having subscribed to Hulbert for over 20 years, Paul investigates the annual issue which reports the latest results, short and long term. Paul Merriman clean 25:29 Understanding and Managing Investment Risk – Part 2 http://paulmerriman.com/understanding-managing-investment-risk-part-2/ Wed, 22 Jan 2014 11:00:44 +0000 http://paulmerriman.com/?p=4724 <p>In this second in a series of articles and podcasts addressing investment risk, Paul Merriman continues to expand upon the three concepts of risk: 1. Never take a risk that you don’t get a premium for having taken. 2. Risk is not just about losing money, but also taking advantage of opportunities. 3. There is […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/understanding-managing-investment-risk-part-2/">Understanding and Managing Investment Risk – Part 2</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this second in a series of articles and podcasts addressing investment risk, Paul Merriman continues to expand upon the three concepts of risk: 1. Never take a risk that you don’t get a premium for having taken. 2. Paul Merriman clean 37:55 Understanding and Managing Investment Risk – Part 1 http://paulmerriman.com/understanding-managing-investment-risk-part-1/ Wed, 15 Jan 2014 14:44:16 +0000 http://paulmerriman.com/?p=4717 <p>Learn how to identify, understand and manage investment risk. In this series of three podcasts (and accompanying edited transcripts), Paul Merriman discusses more than 20 legitimate risks which have the possibility of doing real harm to your portfolio. In Part 1, Paul examines eight risks anyone can manage. Of all the risks, these are the easiest […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/understanding-managing-investment-risk-part-1/">Understanding and Managing Investment Risk – Part 1</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Learn how to identify, understand and manage investment risk. In this series of three podcasts (and accompanying edited transcripts), Paul Merriman discusses more than 20 legitimate risks which have the possibility of doing real harm to your portfolio.... Paul Merriman clean Review of 2013 Investments and Predictions for 2014 http://paulmerriman.com/review-2013-investments-predictions-2014/ Wed, 08 Jan 2014 11:00:05 +0000 http://paulmerriman.com/?p=4669 <p>In this podcast Paul helps investors create reasonable expectations through a review of his portfolio recommendations in 2013.  He points out the winners and the losers that invariably were the outcome of proper diversification.  He also comments on his personal returns that he calls a “home run,”  and offers his recommendations for 2014 and beyond.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/review-2013-investments-predictions-2014/">Review of 2013 Investments and Predictions for 2014</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast Paul helps investors create reasonable expectations through a review of his portfolio recommendations in 2013.  He points out the winners and the losers that invariably were the outcome of proper diversification. Paul Merriman clean 20:03 The Best Advice I Ever Got (or Gave) http://paulmerriman.com/the-best-advice-i-ever-got-or-gave/ Wed, 01 Jan 2014 11:00:41 +0000 http://paulmerriman.com/?p=4665 <p>Paul offers his own “best advice” along with that of other well-known investment advisors, including Nobel prize-winning economists Robert Schiller and William Sharpe, William Bernstein, Charles Schwab, Joe Mansueto and others.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-best-advice-i-ever-got-or-gave/">The Best Advice I Ever Got (or Gave)</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul offers his own “best advice” along with that of other well-known investment advisors, including Nobel prize-winning economists Robert Schiller and William Sharpe, William Bernstein, Charles Schwab, Joe Mansueto and others. Paul Merriman clean 26:43 Overcoming Three Hurdles to Saving and Investing for the Beginning Investor http://paulmerriman.com/overcoming-three-hurdles-saving-investing-beginning-investor/ Wed, 18 Dec 2013 11:00:06 +0000 http://paulmerriman.com/?p=4638 <p>In this installment of the series, “Overcoming Three Hurdles to Saving and Investing for the Beginning Investor”, Stacycontinues to look at the hurdle, “I lack the money”, and recounts one of Paul’s experiences where he suggested saving a dollar a day.  Stacy includes a 1-page download and suggests that regularly saving a little bit over a long time […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/overcoming-three-hurdles-saving-investing-beginning-investor/">Overcoming Three Hurdles to Saving and Investing for the Beginning Investor</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this installment of the series, “Overcoming Three Hurdles to Saving and Investing for the Beginning Investor”, Stacycontinues to look at the hurdle, “I lack the money”, and recounts one of Paul’s experiences where he suggested saving a dollar a day.... Paul Merriman clean 6:00 Are REIT’s still a good investment? http://paulmerriman.com/are-reits-still-good-investment/ Wed, 11 Dec 2013 11:00:31 +0000 http://paulmerriman.com/?p=4624 <p>In this podcast Paul discusses what he wrote about REITs in 2007 and reconfirms his recommendation to hold this asset class in our tax deferred portfolios.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/are-reits-still-good-investment/">Are REIT’s still a good investment?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcast Paul discusses what he wrote about REITs in 2007 and reconfirms his recommendation to hold this asset class in our tax deferred portfolios. Paul Merriman clean 19:29 My Favorite San Miguel de Allende Websites http://paulmerriman.com/4560/ Wed, 04 Dec 2013 11:00:19 +0000 http://paulmerriman.com/?p=4560 <p>Most of Paul’s podcasts are based on facts but in this podcast he shares 30 plus minutes of the feelings he has about retiring to San Miguel de Allende, Mexico. Paul, and his wife, Zan, fell in love with San Miguel within 24 hours of landing in Mexico.  The trip started as an attempt to find a little sun […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/4560/">My Favorite San Miguel de Allende Websites</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Most of Paul’s podcasts are based on facts but in this podcast he shares 30 plus minutes of the feelings he has about retiring to San Miguel de Allende, Mexico. Paul, and his wife, Zan, fell in love with San Miguel within 24 hours of landing in Mexico.... Paul Merriman clean 35:25 How to create more money for investing: deal with debt. http://paulmerriman.com/how-create-money-investing-deal-debt/ Wed, 27 Nov 2013 11:00:38 +0000 http://paulmerriman.com/?p=4585 <p>In this sixth podcast in his series, Stacy continues addressing hurdle #2, “I lack the money”, and suggests that by making rather than receiving interest payments, many people find themselves making someone else rich rather than themselves.  Stacy cites data that shows while many people’s debt load is forcing them to make financial sacrifices, many […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-create-money-investing-deal-debt/">How to create more money for investing: deal with debt.</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this sixth podcast in his series, Stacy continues addressing hurdle #2, “I lack the money”, and suggests that by making rather than receiving interest payments, many people find themselves making someone else rich rather than themselves. Paul Merriman clean 6:46 Why rebalancing may be a very big mistake. http://paulmerriman.com/why-rebalancing-may-big-mistake/ Mon, 18 Nov 2013 11:00:21 +0000 http://paulmerriman.com/?p=4534 <p>In this podcastPaul explains his decision to make a very different approach to rebalancing.  Many of the details he mentions can be found in his recent article on MarketWatch.com.  While the past does not guarantee the future, his recommendation could leave investors with an additional 1% a year, without taking significantly more risk.  Paul invites your comments and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/why-rebalancing-may-big-mistake/">Why rebalancing may be a very big mistake.</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this podcastPaul explains his decision to make a very different approach to rebalancing.  Many of the details he mentions can be found in his recent article on MarketWatch.com.  While the past does not guarantee the future, Paul Merriman clean Is It Enough To Be “Happy” With Your Investment Results? http://paulmerriman.com/is-it-enough-to-be-happy-with-your-investment-results/ Wed, 13 Nov 2013 11:00:00 +0000 http://paulmerriman.com/?p=4512 <p>This podcast was motivated by an email exchange in which Paul tries to motivate an investor to consider a simple change that might add almost 1/2 percent a year. The response to his suggestion is one of the biggest challenges educators and advisors have: "You are probably right but I'm happy where I am."  Paul's […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-it-enough-to-be-happy-with-your-investment-results/">Is It Enough To Be “Happy” With Your Investment Results?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast was motivated by an email exchange in which Paul tries to motivate an investor to consider a simple change that might add almost 1/2 percent a year. The response to his suggestion is one of the biggest challenges educators and advisors hav... Paul Merriman clean 10:03 A budget is key to making progress on your financial goals http://paulmerriman.com/a-budget-key-making-progress-financial-goals/ Wed, 06 Nov 2013 11:00:19 +0000 http://paulmerriman.com/?p=4506 <p>While many people think budgets are a good idea, many people struggle in realizing their financial goals.  In this podcast, Stacy Gary acknowledges that budgets require discipline and offers a framework for keeping the big picture things in focus when approaching budgeting. Download accompanying pdf below.  Budget… and do it right!  </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/a-budget-key-making-progress-financial-goals/">A budget is key to making progress on your financial goals</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> While many people think budgets are a good idea, many people struggle in realizing their financial goals.  In this podcast, Stacy Gary acknowledges that budgets require discipline and offers a framework for keeping the big picture things in focus when ... Paul Merriman clean 6:32 What Should I Do Now? http://paulmerriman.com/what-should-i-do-now/ Wed, 30 Oct 2013 10:00:30 +0000 http://paulmerriman.com/?p=4492 <p>This is one of the most common questions Paul receives. He discuss an email that ends (after a lot of detail), "What would be the best way for us to continue to grow the value of our investments for now and to generate income with potential continued growth upon retirement?"  In other words, "What should I […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-should-i-do-now/">What Should I Do Now?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This is one of the most common questions Paul receives. He discuss an email that ends (after a lot of detail), "What would be the best way for us to continue to grow the value of our investments for now and to generate income with potential continued g... Paul Merriman clean 18:00 Would You Like Your Son To Play Professional Football? http://paulmerriman.com/would-you-like-your-son-to-play-professional-football/ Wed, 23 Oct 2013 10:00:25 +0000 http://paulmerriman.com/?p=4488 <p>Working from a list of 20 football facts, Paul finds similarities between investing and playing football. How would you like to be the financial planner for a client who has a life expectancy of 55? You may be interested in the financial future of football players vs. software developers. Plus, he compares your tax advantages […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/would-you-like-your-son-to-play-professional-football/">Would You Like Your Son To Play Professional Football?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Working from a list of 20 football facts, Paul finds similarities between investing and playing football. How would you like to be the financial planner for a client who has a life expectancy of 55? You may be interested in the financial future of foot... Paul Merriman clean 10:02 Is Now a Good Time To Invest In Bonds? http://paulmerriman.com/is-now-good-time-to-invest-in-bonds/ Wed, 16 Oct 2013 10:00:57 +0000 http://paulmerriman.com/?p=4471 <p>Paul explains why to have bonds in your portfolio and the best ways to get invested if you are afraid of losing money in a rising interest rate market. This should be one of the easiest of all investing decisions but, with all the worry about inflation and higher interest rates, many investors are paralyzed. […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-now-good-time-to-invest-in-bonds/">Is Now a Good Time To Invest In Bonds?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul explains why to have bonds in your portfolio and the best ways to get invested if you are afraid of losing money in a rising interest rate market. This should be one of the easiest of all investing decisions but, Paul Merriman clean 11:38 Time To Sell Everything? http://paulmerriman.com/time-to-sell-everything/ Wed, 09 Oct 2013 10:00:51 +0000 http://paulmerriman.com/?p=4465 <p>This podcast discusses my approach to dealing with all the theatrics and challenges of the recent weeks. I have received lots of emails wanting my response to the idea of selling everything until we know the outcome of the recent political stalemate.  I know exactly what to do.  Do you?  If not, I hope this […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/time-to-sell-everything/">Time To Sell Everything?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast discusses my approach to dealing with all the theatrics and challenges of the recent weeks. I have received lots of emails wanting my response to the idea of selling everything until we know the outcome of the recent political stalemate. Paul Merriman clean 11:42 Is Now The Time For Active Investing? http://paulmerriman.com/is-now-the-time-for-active-investing/ Wed, 02 Oct 2013 10:00:10 +0000 http://paulmerriman.com/?p=4447 <p>Active managers of mutual funds want investors to stop their massive move to index funds. Anytime the S&P 500 outpaces actively managed funds, experts suggest that actively managed funds should start doing better. They fail to mention that their suggestion to move to actively managed funds is a market timing recommendation. In the next breath […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-now-the-time-for-active-investing/">Is Now The Time For Active Investing?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Active managers of mutual funds want investors to stop their massive move to index funds. Anytime the S&P 500 outpaces actively managed funds, experts suggest that actively managed funds should start doing better. Paul Merriman clean 10:03 Does Your Advisor Work For An Unethical Firm? http://paulmerriman.com/does-your-advisor-work-for-an-unethical-firm/ Wed, 25 Sep 2013 10:00:08 +0000 http://paulmerriman.com/?p=4443 <p>Does Your Advisor Work For An Unethical Firm?   Do the big brokerage firms really think we don't notice all the fines and penalties they pay to stay in business?  Do they think we don't know who pays the fines in the end? Yup, their clients.  How ethical and competent is your advisor, your advisor's firm, and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/does-your-advisor-work-for-an-unethical-firm/">Does Your Advisor Work For An Unethical Firm?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Does Your Advisor Work For An Unethical Firm?   Do the big brokerage firms really think we don't notice all the fines and penalties they pay to stay in business?  Do they think we don't know who pays the fines in the end? Yup, their clients. Paul Merriman clean 14:59 Saving and investing take so much effort to get started! Overcoming this hurdle for first-time investors http://paulmerriman.com/saving-investing-take-much-effort-get-started-overcoming-hurdle-first-time-investors/ Wed, 18 Sep 2013 10:00:51 +0000 http://paulmerriman.com/?p=4429 <p>This week's podcast wraps up a brief discussion for first-time investors about hurdle #1, "its too complicated". It dives deeper into a common perception that saving and investing take "so much effort" to get started.  Guest podcaster, Stacy Gary, has created a helpful picture outlining common things that make the effort seem so great and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/saving-investing-take-much-effort-get-started-overcoming-hurdle-first-time-investors/">Saving and investing take so much effort to get started! Overcoming this hurdle for first-time investors</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This week's podcast wraps up a brief discussion for first-time investors about hurdle #1, "its too complicated". It dives deeper into a common perception that saving and investing take "so much effort" to get started.  Guest podcaster, Stacy Gary, Paul Merriman clean 6:02 Understanding Your Options: Roth 401k and Roth IRA http://paulmerriman.com/understanding-your-options-roth-401k-roth-ira/ Wed, 11 Sep 2013 10:00:56 +0000 http://paulmerriman.com/?p=4416 <p>This week's podcast continues the series, "Overcoming Three Hurdles to Saving and Investing for the Beginning Investor."  Stacy Gary highlights why Roth 401k and Roth IRA options are favorites for long-term saving and investing. A one-page pdf, detailing out key differences between 401k and IRA options, accompanies the podcast.       </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/understanding-your-options-roth-401k-roth-ira/">Understanding Your Options: Roth 401k and Roth IRA</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This week's podcast continues the series, "Overcoming Three Hurdles to Saving and Investing for the Beginning Investor."  Stacy Gary highlights why Roth 401k and Roth IRA options are favorites for long-term saving and investing. A one-page pdf, Paul Merriman clean 6:34 Overcoming Hurdle #1: Putting Compound Interest to Work http://paulmerriman.com/overcoming-hurdle-1-putting-compound-interest-work/ Wed, 04 Sep 2013 10:00:55 +0000 http://paulmerriman.com/?p=4409 <p>In this second in a series from Paul's guest, Stacy Gary, you will learn the single most-essential element every beginning investor must know, no matter what your age. Now's the time to overcome Hurdle #1: "it's too complicated," and get started on the road to saving and building your wealth. Stacy Gary is passionate about […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/overcoming-hurdle-1-putting-compound-interest-work/">Overcoming Hurdle #1: Putting Compound Interest to Work</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In this second in a series from Paul's guest, Stacy Gary, you will learn the single most-essential element every beginning investor must know, no matter what your age. Now's the time to overcome Hurdle #1: "it's too complicated, Paul Merriman clean 6:20 Overcoming Three Hurdles to Saving and Investing for Beginning Investors: Introduction http://paulmerriman.com/saving-investing-beginners-overcoming-hurdles/ Wed, 28 Aug 2013 10:00:25 +0000 http://paulmerriman.com/?p=4384 <p>Paul Merriman is pleased to present guest podcaster, Stacy Gary, MBA and independent consultant. In this first in a series of new podcasts on "Saving and Investing for Beginners," Stacy Gary identifies the major hurdles. If you (or someone you know) has yet to begin saving and investing for the future, this podcast will help […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/saving-investing-beginners-overcoming-hurdles/">Overcoming Three Hurdles to Saving and Investing for Beginning Investors: Introduction</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman is pleased to present guest podcaster, Stacy Gary, MBA and independent consultant. In this first in a series of new podcasts on "Saving and Investing for Beginners," Stacy Gary identifies the major hurdles. Paul Merriman clean 6:10 Fine-Tuning Your Asset Allocations Q&As http://paulmerriman.com/fine-tuning-your-asset-allocations-qas/ Wed, 21 Aug 2013 10:00:40 +0000 http://paulmerriman.com/?p=4357 <p>After a series of podcasts and MarketWatch articles – from The Ultimate Buy-and-Hold Strategy through Distributions in Retirement – which Paul considers his most important work, Paul answers some questions from his listeners. in this more personal podcast, he explains why he choose 50/50 equity/fixed income strategy over 60/40, which would have resulted in more income. The answer has to do with risk tolerance […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/fine-tuning-your-asset-allocations-qas/">Fine-Tuning Your Asset Allocations Q&As</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> After a series of podcasts and MarketWatch articles – from The Ultimate Buy-and-Hold Strategy through Distributions in Retirement – which Paul considers his most important work, Paul answers some questions from his listeners. Paul Merriman clean 16:23 The Ultimate Distribution Strategy http://paulmerriman.com/the-ultimate-distribution-strategy/ Wed, 14 Aug 2013 10:00:03 +0000 http://paulmerriman.com/?p=4341 <p>In last week's Sound Investing podcast, Paul Merriman discussed fixed distributions for retirement funds. This podcast continues the important subject of retirement distributions, offering a variable, or flexible, distribution strategy. To fully grasp how this works, and how money flows with this strategy, please go to http://paulmerriman.com/distributions/and print Tables 4-6 to follow along.      </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-ultimate-distribution-strategy/">The Ultimate Distribution Strategy</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In last week's Sound Investing podcast, Paul Merriman discussed fixed distributions for retirement funds. This podcast continues the important subject of retirement distributions, offering a variable, or flexible, distribution strategy. Paul Merriman clean 32:54 How To Maximize Distributions in Retirement http://paulmerriman.com/how-to-maximize-distributions-retirement/ Wed, 07 Aug 2013 10:00:33 +0000 http://paulmerriman.com/?p=4321 <p>How To Maximize Distributions in Retirement  (Part I of 2) Continuing in the series of "the most important decisions" investors need to make, this podcast helps you decide how to take distributions for retirement. How do you know when you have enough money to retire? What is your distribution strategy? How can you safely take […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-to-maximize-distributions-retirement/">How To Maximize Distributions in Retirement</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> How To Maximize Distributions in Retirement  (Part I of 2) Continuing in the series of "the most important decisions" investors need to make, this podcast helps you decide how to take distributions for retirement. Paul Merriman clean Fine Tuning Your Asset Allocation http://paulmerriman.com/fine-tuning-your-asset-allocation/ Wed, 31 Jul 2013 10:00:55 +0000 http://paulmerriman.com/?p=4318 <p>How much risk should you be taking? How do you decide how much of your portfolio you want for growth, and how much for safety?  The great news is the past has taught investors how to improve returns while reducing risk.  This Sound Investing podcast is can help you make one of the biggest decisions […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/fine-tuning-your-asset-allocation/">Fine Tuning Your Asset Allocation</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> How much risk should you be taking? How do you decide how much of your portfolio you want for growth, and how much for safety?  The great news is the past has taught investors how to improve returns while reducing risk. Paul Merriman clean 37:00 Pros and Cons of Index Funds http://paulmerriman.com/pros-cons-index-funds/ Wed, 24 Jul 2013 10:00:45 +0000 http://paulmerriman.com/?p=4208 <p>This is the second in a series of podcasts I consider the most important questions for investors. The first was "The Ultimate Buy and Hold Strategy," in which I identified the asset classes every equity investor should have in their portfolio. The question now is: how do you invest in those asset classes most efficiently? […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/pros-cons-index-funds/">Pros and Cons of Index Funds</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This is the second in a series of podcasts I consider the most important questions for investors. The first was "The Ultimate Buy and Hold Strategy," in which I identified the asset classes every equity investor should have in their portfolio. Paul Merriman clean 34:25 The Ultimate Buy and Hold Strategy 2013 http://paulmerriman.com/the-ultimate-buy-hold-strategy/ Wed, 17 Jul 2013 10:00:33 +0000 http://paulmerriman.com/?p=4185 <p>We should all have an “ultimate strategy,” based on the best way we know how to do something. This podcast presents the best way I’ve found to position yourself for the future. The ultimate strategy must have a long history of success, be able to be managed simply, offer better rates of return on investment […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-ultimate-buy-hold-strategy/">The Ultimate Buy and Hold Strategy 2013</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> We should all have an “ultimate strategy,” based on the best way we know how to do something. This podcast presents the best way I’ve found to position yourself for the future. The ultimate strategy must have a long history of success, Paul Merriman clean 41:40 Commission-Free ETF Portfolios http://paulmerriman.com/commission-free-etf-portfolios/ Wed, 10 Jul 2013 10:00:09 +0000 http://paulmerriman.com/?p=4160 <p>Commission-free ETFs at Vanguard, Fidelity and Charles Schwab, offer investors a great way to take advantage of diversification and asset allocation, even with just a small amount of money to begin. Paul introduces listeners to these ETF portfolios, along with the pros and cons of ETFs and the advantages and disadvantages at each company. See Paul's […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/commission-free-etf-portfolios/">Commission-Free ETF Portfolios</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Commission-free ETFs at Vanguard, Fidelity and Charles Schwab, offer investors a great way to take advantage of diversification and asset allocation, even with just a small amount of money to begin. Paul introduces listeners to these ETF portfolios, Paul Merriman clean 27:31 Fund Ratings: Garbage In, Garbage Out http://paulmerriman.com/fund-ratings-garbage-in-garbage-out/ Wed, 03 Jul 2013 10:00:18 +0000 http://paulmerriman.com/?p=4055 <p>Fund family rating lists can lead us to erroneous conclusions. Paul offers practical ways to think about and assess fund performance that will help you make the best decisions. </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/fund-ratings-garbage-in-garbage-out/">Fund Ratings: Garbage In, Garbage Out</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Fund family rating lists can lead us to erroneous conclusions. Paul offers practical ways to think about and assess fund performance that will help you make the best decisions.  Paul Merriman clean 12:20 10 BIGGEST INVESTMENT DECISIONS http://paulmerriman.com/10-biggest-investment-decisions/ Wed, 26 Jun 2013 10:00:36 +0000 http://paulmerriman.com/?p=4031 <p>This podcast is aimed at the first-time investor. Paul suggests you share with your children, grandchildren and other young adults in your life. He believes that if these 10 decisions are made correctly, an investor is almost assured a successful investing career.    </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-biggest-investment-decisions/">10 BIGGEST INVESTMENT DECISIONS</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast is aimed at the first-time investor. Paul suggests you share with your children, grandchildren and other young adults in your life. He believes that if these 10 decisions are made correctly, an investor is almost assured a successful inves... Paul Merriman clean 26:51 What If I Am Wrong? http://paulmerriman.com/what-if-i-am-wrong/ Wed, 19 Jun 2013 10:00:06 +0000 http://paulmerriman.com/?p=4000 <p>Paul explores the implications of making investment recommendations that are wrong. Contrary to what he recommends, it may be that large will beat small, growth will beat value, and U.S. will beat international. How will investors make out if everything goes wrong? This is an important question to ask about any portfolio. Paul faces the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-if-i-am-wrong/">What If I Am Wrong?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul explores the implications of making investment recommendations that are wrong. Contrary to what he recommends, it may be that large will beat small, growth will beat value, and U.S. will beat international. Paul Merriman clean 15:17 Are You Getting Your Share? http://paulmerriman.com/3972/ Wed, 12 Jun 2013 10:00:14 +0000 http://paulmerriman.com/?p=3972 <p>  Paul admits to being excited about the release of the annual DALBAR report that compares what funds report returns vs. the actual real-time return investors receive. This report shows the impact of pairing emotional investors with high-cost funds. Paul promises that some of the results are hard to believe, but there is no question […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/3972/">Are You Getting Your Share?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul admits to being excited about the release of the annual DALBAR report that compares what funds report returns vs. the actual real-time return investors receive. This report shows the impact of pairing emotional investors with high-cost funds. Paul Merriman clean 17:36 Do You Need Real or Hypothetical Results? http://paulmerriman.com/do-you-need-real-or-hypothetical-results/ Wed, 05 Jun 2013 10:00:08 +0000 http://paulmerriman.com/?p=3923 <p>  Paul sees red when he hears people attacking the use of hypothetical results, because they let you see how bad a fund or asset class can be. He considers the short-term results of actual performance to be more misleading than hypothetical long-term returns. A bigger problem than the use of hypothetical profits, says Paul, […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/do-you-need-real-or-hypothetical-results/">Do You Need Real or Hypothetical Results?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul sees red when he hears people attacking the use of hypothetical results, because they let you see how bad a fund or asset class can be. He considers the short-term results of actual performance to be more misleading than hypothetical long-term r... Paul Merriman clean 16:59 The Impact Of Inflation On Your Investments http://paulmerriman.com/the-impact-of-inflation-on-your-investments/ Wed, 29 May 2013 10:00:14 +0000 http://paulmerriman.com/?p=3914 <p>    Paul believes inflation is one of the most overlooked risks for investors. He compares the after-inflation returns of the S&P500, small-cap value and several fixed-income securities. While bonds are considered very safe by most investors, it may be that stocks are by far the safer asset class.  </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-impact-of-inflation-on-your-investments/">The Impact Of Inflation On Your Investments</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>     Paul believes inflation is one of the most overlooked risks for investors. He compares the after-inflation returns of the S&P500, small-cap value and several fixed-income securities. While bonds are considered very safe by most investors, Paul Merriman clean 11:27 Should I Use Bonds Or Bond Funds? http://paulmerriman.com/should-i-use-bonds-or-bond-funds/ Wed, 22 May 2013 10:00:11 +0000 http://paulmerriman.com/?p=3887 <p>    Paul discusses the pros and cons of bond funds in his list of 15 different considerations in determining which is better: bonds or bond funds?  </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/should-i-use-bonds-or-bond-funds/">Should I Use Bonds Or Bond Funds?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>     Paul discusses the pros and cons of bond funds in his list of 15 different considerations in determining which is better: bonds or bond funds?   Paul Merriman clean 17:02 The Huge Need For Financial Literacy http://paulmerriman.com/the-huge-need-for-financial-literacy/ Wed, 15 May 2013 10:00:04 +0000 http://paulmerriman.com/?p=3880 <p>    Paul discusses his latest financial education program at Western Washington University and the results of a national financial literacy survey that indicates a huge need, even for people who are confident of their knowledge of financial topics. Paul gives his listeners the five easy questions that the survey listed. While he believes his […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-huge-need-for-financial-literacy/">The Huge Need For Financial Literacy</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>     Paul discusses his latest financial education program at Western Washington University and the results of a national financial literacy survey that indicates a huge need, even for people who are confident of their knowledge of financial topics. Paul Merriman clean 17:49 Passive Beats Active Big Time http://paulmerriman.com/3843/ Wed, 08 May 2013 10:00:11 +0000 http://paulmerriman.com/?p=3843 <p>  The update on active vs. passive mutual fund management shows another surge toward index funds. The big news is that the second-largest pension fund in the country is considering putting all of its investments (now 50% indexing) into index funds.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/3843/">Passive Beats Active Big Time</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   The update on active vs. passive mutual fund management shows another surge toward index funds. The big news is that the second-largest pension fund in the country is considering putting all of its investments (now 50% indexing) into index funds. Paul Merriman clean 17:15 Does It Pay To Be Top Dog? http://paulmerriman.com/does-it-pay-to-be-top-dog/ Wed, 01 May 2013 10:00:26 +0000 http://paulmerriman.com/?p=3820 <p>A recent study concludes that future returns of the "Top Dog" in each industry are not as special as they likely looks to most investors. This study reflects some of the same outcomes of comparing future returns of popular growth stocks vs. out-of-favor value companies. While it is common to find investors who consider investments […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/does-it-pay-to-be-top-dog/">Does It Pay To Be Top Dog?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> A recent study concludes that future returns of the "Top Dog" in each industry are not as special as they likely looks to most investors. This study reflects some of the same outcomes of comparing future returns of popular growth stocks vs. Paul Merriman clean 9:46 Does It Matter How Much You Care About Your Money? http://paulmerriman.com/does-it-matter-how-much-you-care-about-your-money/ Wed, 24 Apr 2013 10:00:22 +0000 http://paulmerriman.com/?p=3649 <p>The large majority of people do not consult with a professional advisor about their retirement needs. Of course, retirement planning is not just about investing, but investing intelligently is what will make a secure retirement possible. About twice as many people who work with advisors feel secure about their financial future, compared to those who have […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/does-it-matter-how-much-you-care-about-your-money/">Does It Matter How Much You Care About Your Money?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The large majority of people do not consult with a professional advisor about their retirement needs. Of course, retirement planning is not just about investing, but investing intelligently is what will make a secure retirement possible. Paul Merriman clean 7:57 Vanguard Value Index vs. Dimensional Large Cap Value Fund http://paulmerriman.com/vanguard-value-index-vs-dimensional-large-cap-value-fund/ Wed, 17 Apr 2013 10:00:06 +0000 http://paulmerriman.com/?p=3597 <p>  This is the second of the two-part series on comparing the Vanguard Value Index Fund to actively- and passively-managed funds. Paul compares the Vanguard Value Index to the Dimensional Large Cap Value Fund. The reasons why the Dimensional fund performed so well had nothing to do with luck.  Once investors understands why the Dimensional […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/vanguard-value-index-vs-dimensional-large-cap-value-fund/">Vanguard Value Index vs. Dimensional Large Cap Value Fund</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   This is the second of the two-part series on comparing the Vanguard Value Index Fund to actively- and passively-managed funds. Paul compares the Vanguard Value Index to the Dimensional Large Cap Value Fund. Paul Merriman clean 10:15 Fighting for the Last Half Percent http://paulmerriman.com/fighting-last-half-percent/ Wed, 10 Apr 2013 10:00:36 +0000 http://paulmerriman.com/?p=3573 <p>    This podcast could be titled "fighting for the last half percent" or "Vanguard active vs. Vanguard passive." It compares three Vanguard Value funds, including the very famous Windsor Fund. Paul shows how and why, over the long term, the index funds wear down the competition. He discusses the seldom mentioned after-tax returns of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/fighting-last-half-percent/">Fighting for the Last Half Percent</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>     This podcast could be titled "fighting for the last half percent" or "Vanguard active vs. Vanguard passive." It compares three Vanguard Value funds, including the very famous Windsor Fund. Paul shows how and why, over the long term, Paul Merriman clean 13:30 Some Advisors Are So Deceptive http://paulmerriman.com/some-advisors-are-so-deceptive/ Wed, 03 Apr 2013 10:00:06 +0000 http://paulmerriman.com/?p=3556 <p>  Just because an advisor is non-commission – hourly or fee-only – does not mean they are operating in your best interest. Paul shares a story of how a trusting investor can be misguided, manipulated, and given horrible advice, and when her advisor thought she might be found out, she turn up the sales pitch to […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/some-advisors-are-so-deceptive/">Some Advisors Are So Deceptive</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Just because an advisor is non-commission – hourly or fee-only – does not mean they are operating in your best interest. Paul shares a story of how a trusting investor can be misguided, manipulated, and given horrible advice, Paul Merriman clean 10:28 It’s OK To Use A Broker… But Know This! http://paulmerriman.com/its-ok-to-use-a-broker-but-know-this/ Wed, 27 Mar 2013 10:00:00 +0000 http://paulmerriman.com/?p=3511 <p>Paul sheds light on how different types of brokers are paid. Understand this, and you are likely to make the best choices for your financial future and work with a broker who truly operates in your best interest… not in the interest of himself and his firm. This can make a huge difference to your […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/its-ok-to-use-a-broker-but-know-this/">It’s OK To Use A Broker… But Know This!</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul sheds light on how different types of brokers are paid. Understand this, and you are likely to make the best choices for your financial future and work with a broker who truly operates in your best interest… not in the interest of himself and his ... Paul Merriman clean 12:33 How Much Higher Can The Market Go? http://paulmerriman.com/how-much-higher-can-the-market-go/ Wed, 20 Mar 2013 10:00:32 +0000 http://paulmerriman.com/?p=3494 <p>Paul discusses the history of the S&P 500, bull and bear markets, and evidence to help you consider your investment portfolio, personal situation and emotional responses to today's market. Don't forget to download your FREE COPY of the eBook, "101 Investment Decisions Guaranteed To Change Your Financial Future" at www.PaulMerriman.com.  </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-much-higher-can-the-market-go/">How Much Higher Can The Market Go?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses the history of the S&P 500, bull and bear markets, and evidence to help you consider your investment portfolio, personal situation and emotional responses to today's market. Don't forget to download your FREE COPY of the eBook, Paul Merriman clean 13:47 Market Hits New High – Time To Buy or Sell? http://paulmerriman.com/market-hits-new-high-time-to-buy-sell/ Wed, 13 Mar 2013 10:00:40 +0000 http://paulmerriman.com/?p=3488 <p>  With the market hitting new market highs, what should investors be doing? Emotional times in the market can help investors do very smart – or very costly – things for the long term. This podcast intends to help investors do the smart thing!    </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/market-hits-new-high-time-to-buy-sell/">Market Hits New High – Time To Buy or Sell?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   With the market hitting new market highs, what should investors be doing? Emotional times in the market can help investors do very smart – or very costly – things for the long term. This podcast intends to help investors do the smart thing!     Paul Merriman clean 18:48 Is It Time To Sell Gold? http://paulmerriman.com/is-it-time-to-sell-gold/ Wed, 06 Mar 2013 11:00:20 +0000 http://paulmerriman.com/?p=3465 <p>  Paul addresses the numerous questions he has received recently regarding gold, and whether now is the time to sell.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-it-time-to-sell-gold/">Is It Time To Sell Gold?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul addresses the numerous questions he has received recently regarding gold, and whether now is the time to sell. Paul Merriman clean 8:09 10 Things Every Investor Needs To Know – Part II http://paulmerriman.com/3385/ Mon, 25 Feb 2013 11:00:48 +0000 http://paulmerriman.com/?p=3385 <p>Continued from last week's podcast (Part I), Paul expands on his MarketWatch articles, giving you insights into the essentials of investing. He discusses such topics as: When do you have enough to retire? Not taking risk beyond what is necessary. The worst performance of any strategy is in the future. How to plan for the worst-case scenarios. […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/3385/">10 Things Every Investor Needs To Know – Part II</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Continued from last week's podcast (Part I), Paul expands on his MarketWatch articles, giving you insights into the essentials of investing. He discusses such topics as: When do you have enough to retire? Not taking risk beyond what is necessary. Paul Merriman clean 27:17 10 Things Every Investor Should Know – Part I http://paulmerriman.com/10-things-every-investor-should-know-part-i/ Wed, 20 Feb 2013 11:00:29 +0000 http://paulmerriman.com/?p=3381 <p>Paul's MarketWatch articles, by the same name, are expanded upon in this podcast. Listen to the first five of 10 essential points every investor should consider. Paul's insights include: Why it is important to remember there is no risk in the past? Why is diversification the only free lunch? Why should  Investors never take a […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/10-things-every-investor-should-know-part-i/">10 Things Every Investor Should Know – Part I</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul's MarketWatch articles, by the same name, are expanded upon in this podcast. Listen to the first five of 10 essential points every investor should consider. Paul's insights include: Why it is important to remember there is no risk in the p... Paul Merriman clean 22:35 Is Now The Time To Get Back in The Market? http://paulmerriman.com/is-now-the-time-to-get-back-the-market/ Wed, 13 Feb 2013 11:00:04 +0000 http://paulmerriman.com/?p=3364 <p>Due to earlier concerns about the risk of loss, many of you are facing the challenge of not having your money fully invested. How do you get back in? All at once? That is dangerous, as you might buy-in right at the top, before a huge decline. Or a little bit at a time?  That's […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-now-the-time-to-get-back-the-market/">Is Now The Time To Get Back in The Market?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Due to earlier concerns about the risk of loss, many of you are facing the challenge of not having your money fully invested. How do you get back in? All at once? That is dangerous, as you might buy-in right at the top, before a huge decline. Paul Merriman clean 14:51 You Can Be #1 http://paulmerriman.com/you-can-be-1/ Wed, 06 Feb 2013 11:00:11 +0000 http://paulmerriman.com/?p=3362 <p>Paul discusses the returns of his all-equity and balanced Vanguard Portfolios for the 10 years ending December 31, 2012.These returns were at least 1% better (annually) than all Vanguard competitors. Paul wants to make sure that investors understand where those extra returns came from, and the probabilities they will be repeated in the future. While […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/you-can-be-1/">You Can Be #1</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses the returns of his all-equity and balanced Vanguard Portfolios for the 10 years ending December 31, 2012.These returns were at least 1% better (annually) than all Vanguard competitors. Paul wants to make sure that investors understand wh... Paul Merriman clean 11:54 Successful Investing Is All About Defense http://paulmerriman.com/successful-investing-is-all-about-defense/ Wed, 30 Jan 2013 11:00:07 +0000 http://paulmerriman.com/?p=3348 <p>    This podcast gives greater insight into Paul's MarketWatch.com article, A Simple Secret to Retirement Investing. Paul believes that almost all successful investing is based on being defensive, not offensive. He discusses 10 simple defensive steps that almost guarantee long-term investment success.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/successful-investing-is-all-about-defense/">Successful Investing Is All About Defense</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>     This podcast gives greater insight into Paul's MarketWatch.com article, A Simple Secret to Retirement Investing. Paul believes that almost all successful investing is based on being defensive, not offensive. Paul Merriman clean 10:57 Beware of Investment Pornography http://paulmerriman.com/beware-investment-pornography/ Wed, 23 Jan 2013 11:00:26 +0000 http://paulmerriman.com/?p=3331 <p>Recent headlines at morningstar.com herald their "Fund Managers of the Year for 2012". As is often the case, these managers are those richly rewarded for their past performance. We all know we can't buy the past, but it doesn't stop investors from hoping the past is prologue. Paul discusses the performance of the hottest of the funds, […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/beware-investment-pornography/">Beware of Investment Pornography</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Recent headlines at morningstar.com herald their "Fund Managers of the Year for 2012". As is often the case, these managers are those richly rewarded for their past performance. We all know we can't buy the past, Paul Merriman clean 12:51 2012 In Review: How Did My Predictions Do? http://paulmerriman.com/2012-in-review-how-did-my-predictions-do/ Wed, 16 Jan 2013 11:00:19 +0000 http://paulmerriman.com/?p=3319 <p>Paul discusses the frightening forces that investors struggled with throughout 2012. While the "wall of worry" kept most investors on the sidelines, those willing to accept the risk were royally rewarded. After considering how the market did in 2012, Paul reviews the predictions he made over 10 years ago. Almost every one of his predictions […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/2012-in-review-how-did-my-predictions-do/">2012 In Review: How Did My Predictions Do?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses the frightening forces that investors struggled with throughout 2012. While the "wall of worry" kept most investors on the sidelines, those willing to accept the risk were royally rewarded. After considering how the market did in 2012, Paul Merriman clean 17:27 What I want to do for you http://paulmerriman.com/what-i-want/ Wed, 09 Jan 2013 10:00:54 +0000 http://paulmerriman.com/?p=3294 <p>Having recently created the Merriman Financial Education Foundation, Paul explains his plans for continuing to help you get the most out of your investments, with less risk and more peace of mind. In addition to his books, weekly column at Marketwatch.com, and many resources at www.PaulMerriman.com, the Foundation is funding development of a curriculum for non-business majors at […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-i-want/">What I want to do for you</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Having recently created the Merriman Financial Education Foundation, Paul explains his plans for continuing to help you get the most out of your investments, with less risk and more peace of mind. In addition to his books, Paul Merriman clean 13:33 Who Really Makes The Money? http://paulmerriman.com/who-really-makes-the-money/ Wed, 02 Jan 2013 10:00:17 +0000 http://paulmerriman.com/?p=3181 <p>Do active fund managers really make more money for their clients? Paul provides historical examples and suggests Indexes and asset classes that can provide you higher, safer returns.    </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/who-really-makes-the-money/">Who Really Makes The Money?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Do active fund managers really make more money for their clients? Paul provides historical examples and suggests Indexes and asset classes that can provide you higher, safer returns.     Paul Merriman clean 14:04 What kind of investor are you? http://paulmerriman.com/what-kind-investor-you/ Wed, 26 Dec 2012 10:00:34 +0000 http://paulmerriman.com/?p=3177 <p>Do you know your three main investment goals, and how to ensure you achieve them? Extrapolating on his recent Marketwatch article, "Beating The Market Is Easy", Paul discusses these goals along with the challenges of beating the market; and why most people who want to beat the market likely have different goals.  Is your goal to beat the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-kind-investor-you/">What kind of investor are you?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Do you know your three main investment goals, and how to ensure you achieve them? Extrapolating on his recent Marketwatch article, "Beating The Market Is Easy", Paul discusses these goals along with the challenges of beating the market; and why most pe... Paul Merriman clean 6:05 The Seven Most Essential Books on Investing http://paulmerriman.com/the-seven-most-essential-books-investing/ Wed, 19 Dec 2012 10:00:54 +0000 http://paulmerriman.com/?p=3174 <p>  Want to get the best return at the lowest risk? In this podcast, Paul Merriman recommends the books every investor should read.   Each book addresses one of the critical areas leading to better returns, taking less risk or, the best of all worlds, higher returns at less risk.  With a total cost of less than […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-seven-most-essential-books-investing/">The Seven Most Essential Books on Investing</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Want to get the best return at the lowest risk? In this podcast, Paul Merriman recommends the books every investor should read.   Each book addresses one of the critical areas leading to better returns, taking less risk or, the best of all worlds, Paul Merriman clean 19:01 How To NOT “Freak Out” About Your Financial Future http://paulmerriman.com/how-to-not-freak-out-about-your-financial-future-2/ Wed, 12 Dec 2012 10:00:19 +0000 http://paulmerriman.com/?p=2914 <p>Paul discusses his conversation with a 33-year-old man who was "freaking out" about his financial future, wanting to learn more and create a plan. Paul helps him determine how much he should have at 65, and the simple steps he can take now, as well in the future, to quell his panic and ensure a secure retirement. Listen and see […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-to-not-freak-out-about-your-financial-future-2/">How To NOT “Freak Out” About Your Financial Future</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses his conversation with a 33-year-old man who was "freaking out" about his financial future, wanting to learn more and create a plan. Paul helps him determine how much he should have at 65, and the simple steps he can take now, Paul Merriman clean 14:17 You Can’t Time The Market: Myth or Reality http://paulmerriman.com/you-cant-time-the-market-myth-reality/ Wed, 05 Dec 2012 10:00:17 +0000 http://paulmerriman.com/?p=2902 <p>  "Market timing doesn't work"… or does it? Paul discusses the pros and cons of timing (mostly cons) and why few investors use timing successfully. He also discusses the differences between advice from Wall Street, Main Street and University Street and, for those who need to get higher returns, Paul offers one easy way to beat the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/you-cant-time-the-market-myth-reality/">You Can’t Time The Market: Myth or Reality</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   "Market timing doesn't work"… or does it? Paul discusses the pros and cons of timing (mostly cons) and why few investors use timing successfully. He also discusses the differences between advice from Wall Street, Paul Merriman clean 13:57 Double Your Retirement Income in 5 Years http://paulmerriman.com/double-your-retirement-income-5-years/ Wed, 28 Nov 2012 10:00:54 +0000 http://paulmerriman.com/?p=2881 <p>In a new weekly column at MarketWatch.com, Paul suggested that one way to double your retirement income is to work an additional five years. The responses from readers ranged from outrage to bewilderment. In this podcast, Paul addresses these comments and elaborates on making life changing decisions to help ensure that you retire with "more than […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/double-your-retirement-income-5-years/">Double Your Retirement Income in 5 Years</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In a new weekly column at MarketWatch.com, Paul suggested that one way to double your retirement income is to work an additional five years. The responses from readers ranged from outrage to bewilderment. In this podcast, Paul Merriman clean 16:29 Get Smart or Get Screwed: How To Select The Best and Get The Most From your Financial Advisor http://paulmerriman.com/get-smart-get-screwed-how-to-select-the-best-get-the-most-from-financial-advisor/ Wed, 21 Nov 2012 10:00:49 +0000 http://paulmerriman.com/?p=2822 <p>Paul's latest book in the "How To Invest" series educates investors as to how to select and get the most from your financial advisor. In this podcast Paul discusses the importance of your insights into the brokerage and advisor industries, and raises dozens of points you should consider to maximize your retirement savings… many of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/get-smart-get-screwed-how-to-select-the-best-get-the-most-from-financial-advisor/">Get Smart or Get Screwed: How To Select The Best and Get The Most From your Financial Advisor</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul's latest book in the "How To Invest" series educates investors as to how to select and get the most from your financial advisor. In this podcast Paul discusses the importance of your insights into the brokerage and advisor industries, Paul Merriman clean 26:23 Financial Newsletters: Are You Getting What You Pay For? http://paulmerriman.com/financial-newsletters-are-you-getting-what-you-pay-for/ Wed, 14 Nov 2012 10:00:20 +0000 http://paulmerriman.com/?p=2714 <p>Paul discusses a recent study by Mark Hulbert of The Hulbert Financial Digest, which tracks the results of hundreds of financial newsletters. The study looks at the returns of cheap versus expensive newsletters. Which are better? Listen and learn the answer. By the way, if you like to root for the underdog or have a serious […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/financial-newsletters-are-you-getting-what-you-pay-for/">Financial Newsletters: Are You Getting What You Pay For?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses a recent study by Mark Hulbert of The Hulbert Financial Digest, which tracks the results of hundreds of financial newsletters. The study looks at the returns of cheap versus expensive newsletters. Which are better? Paul Merriman clean 8:32 Is It Time To Change Horses? http://paulmerriman.com/is-it-time-to-change-horses/ Wed, 07 Nov 2012 10:00:44 +0000 http://paulmerriman.com/?p=2662 <p>How do we know when historical trends have changed? Should the recent out-performance of the S&P 500 be enough evidence to put all of your money in this fund? Paul discusses the importance of understanding risk, historical probabilities, expected returns and the psychological implications of constantly second guessing a strategy. Paul also shares the story of “investor Hell” that […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-it-time-to-change-horses/">Is It Time To Change Horses?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> How do we know when historical trends have changed? Should the recent out-performance of the S&P 500 be enough evidence to put all of your money in this fund? Paul discusses the importance of understanding risk, historical probabilities, Paul Merriman clean 12:26 The Value of Small Cap Stocks http://paulmerriman.com/the-value-small-cap-stocks/ Wed, 31 Oct 2012 09:00:06 +0000 http://paulmerriman.com/?p=2652 <p>Paul discusses the value of small cap stocks. He makes a strong historical case for ownership of this asset class for all equity investors. Join Paul and find out what long term returns should be in the best and worst market periods.</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-value-small-cap-stocks/">The Value of Small Cap Stocks</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses the value of small cap stocks. He makes a strong historical case for ownership of this asset class for all equity investors. Join Paul and find out what long term returns should be in the best and worst market periods. Paul Merriman clean 6:30 What Rate of Return Should I Use In My Financial Plan? http://paulmerriman.com/what-rate-return-should-i-use-in-my-financial-plan/ Wed, 17 Oct 2012 09:00:27 +0000 http://paulmerriman.com/?p=2607 <p>When putting together a financial plan, you will make assumptions about future returns. Most investors select one return to reach their long term goal. However, that's not realistic since investors, as they get closer to retirement, change their balance of fixed income and equity. Paul offers his approach, with the assumptions you can use to determine the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/what-rate-return-should-i-use-in-my-financial-plan/">What Rate of Return Should I Use In My Financial Plan?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> When putting together a financial plan, you will make assumptions about future returns. Most investors select one return to reach their long term goal. However, that's not realistic since investors, as they get closer to retirement, Paul Merriman clean 8:45 How’s The Market Doing? http://paulmerriman.com/hows-the-market-doing/ Wed, 10 Oct 2012 10:00:22 +0000 http://paulmerriman.com/?p=2604 <p>Trust More or Trust Less, and in what? In considering the market's performance for the first 9 months of 2012, Paul compares his expectations and predictions to what really happened. Plus, he discusses the lessons that can be learned from the successes and failures of his recommendations. As always, Paul's goal is to help you build your […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/hows-the-market-doing/">How’s The Market Doing?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Trust More or Trust Less, and in what? In considering the market's performance for the first 9 months of 2012, Paul compares his expectations and predictions to what really happened. Plus, he discusses the lessons that can be learned from the succe... Paul Merriman clean 11:03 Are Financial Newsletters Damaging Your Future? http://paulmerriman.com/are-financial-newsletters-damaging-your-future/ Wed, 03 Oct 2012 10:00:37 +0000 http://paulmerriman.com/?p=2598 <p>The promises of financial newsletters may be bold, but the outcome is likely to cost you financially and emotionally.  They claim to make investing more predictable, while the only thing that is predictable is more money for them and less for you. Learn more in this week's podcast as Paul discusses the tricks and traps of […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/are-financial-newsletters-damaging-your-future/">Are Financial Newsletters Damaging Your Future?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> The promises of financial newsletters may be bold, but the outcome is likely to cost you financially and emotionally.  They claim to make investing more predictable, while the only thing that is predictable is more money for them and less for you. Paul Merriman clean 16:10 Which Vanguard Funds Should I Buy? http://paulmerriman.com/which-vanguard-funds-should-i-buy/ Wed, 26 Sep 2012 10:00:25 +0000 http://paulmerriman.com/?p=2592 <p>Paul discusses changes for a young couple to make in their portfolio. He wants them to correct three major mistakes. They have purchased shares of Facebook to hold for over 30 year,s but Paul suggests a different investment that is likely to make as much, or more than Facebook, at far less risk. He also […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/which-vanguard-funds-should-i-buy/">Which Vanguard Funds Should I Buy?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul discusses changes for a young couple to make in their portfolio. He wants them to correct three major mistakes. They have purchased shares of Facebook to hold for over 30 year,s but Paul suggests a different investment that is likely to make as mu... Paul Merriman clean 13:16 One Percent Difference in Fund Costs and Returns Will Change Your Life http://paulmerriman.com/one-percent-difference-fund-costs-returns-will-change-your-life/ Wed, 19 Sep 2012 10:00:55 +0000 http://paulmerriman.com/?p=2574 <p>In comparing Vanguard to John Hancock Funds, Paul addresses and assesses risks and returns for Target Date Funds. Learn how you can manage and take advantage of this strategy and realize an extraordinary one percent difference – worth millions of dollars – over your lifetime as an investor.     </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/one-percent-difference-fund-costs-returns-will-change-your-life/">One Percent Difference in Fund Costs and Returns Will Change Your Life</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> In comparing Vanguard to John Hancock Funds, Paul addresses and assesses risks and returns for Target Date Funds. Learn how you can manage and take advantage of this strategy and realize an extraordinary one percent difference – worth millions of dolla... Paul Merriman clean 11:32 The Magic of Asset Allocation http://paulmerriman.com/2564/ Wed, 12 Sep 2012 10:00:52 +0000 http://paulmerriman.com/?p=2564 <p>Most investors believe the S&P 500 will outperform most other mutual funds. They have difficulty believing that a simple approach to asset allocation can raise returns, while reducing risk. In this podcast, I show investors that you can easily make 1 to 2 percent more a year with smart asset allocation, and prepare you for the […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/2564/">The Magic of Asset Allocation</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Most investors believe the S&P 500 will outperform most other mutual funds. They have difficulty believing that a simple approach to asset allocation can raise returns, while reducing risk. In this podcast, Paul Merriman clean 19:15 Can You Trust Me? http://paulmerriman.com/can-you-trust-me/ Wed, 05 Sep 2012 10:00:49 +0000 http://paulmerriman.com/?p=2558 <p>Want to know which of my recommendations have worked, and which have failed in the past decade? Please listen in as I discuss the basis of my approach to predicting what's in an investor's best interest, and how that advice has faired. There is a difference between the kind of investment advice I offer and most common sources […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/can-you-trust-me/">Can You Trust Me?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Want to know which of my recommendations have worked, and which have failed in the past decade? Please listen in as I discuss the basis of my approach to predicting what's in an investor's best interest, and how that advice has faired. Paul Merriman clean 16:14 Market Timing Moves Continue To Cost Investors Billions in Retirement Income http://paulmerriman.com/market-timing-moves-continue-to-cost-investors-billions-retirement-income/ Wed, 29 Aug 2012 18:35:15 +0000 http://paulmerriman.com/?p=2554 <p>This podcast focuses on a recent study that concludes investors continue to let their heart overrule their brain. I urge you not to do this but, rather, put in place a solid, diversified, long-term plan. For specific recommendations of funds and allocations that will help maximize your retirement income, please read my new book, "First-Time […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/market-timing-moves-continue-to-cost-investors-billions-retirement-income/">Market Timing Moves Continue To Cost Investors Billions in Retirement Income</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast focuses on a recent study that concludes investors continue to let their heart overrule their brain. I urge you not to do this but, rather, put in place a solid, diversified, long-term plan. For specific recommendations of funds and alloca... Paul Merriman clean 13:55 Is Warren Buffet Still Number One? http://paulmerriman.com/is-warren-buffet-still-number-one/ Wed, 22 Aug 2012 10:00:45 +0000 http://paulmerriman.com/?p=2529 <p>This podcast is in response to two emails from listeners. One listener wants to know if indexing are as good as hiring the best advisor. He isn't sure he can convince his friends that indexing could make as much money as Warren Buffet. I compare Berkshire Hathaway to various index funds in various asset classes […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-warren-buffet-still-number-one/">Is Warren Buffet Still Number One?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> This podcast is in response to two emails from listeners. One listener wants to know if indexing are as good as hiring the best advisor. He isn't sure he can convince his friends that indexing could make as much money as Warren Buffet. Paul Merriman clean 13:17 John Bogle and Vanguard Warn Bond Investors http://paulmerriman.com/john-bogle-vanguard-warn-bond-investors/ Wed, 15 Aug 2012 10:00:30 +0000 http://paulmerriman.com/?p=2525 <p>Paul Merriman discusses a recent The New York Times article about Vanguard founder John Bogle, as he addresses strategies for long-term investors and the need for changes in the marketplace. Learn more about "balancing peace of mind and piece of the action" needed to reach your retirement goals. To understand more about asset classes and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/john-bogle-vanguard-warn-bond-investors/">John Bogle and Vanguard Warn Bond Investors</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman discusses a recent The New York Times article about Vanguard founder John Bogle, as he addresses strategies for long-term investors and the need for changes in the marketplace. Learn more about "balancing peace of mind and piece of the ac... Paul Merriman clean 11:06 Paul Merriman’s Vanguard Portfolios Rate #1 http://paulmerriman.com/paul-merrimans-vanguard-portfolios-rate-1/ Wed, 08 Aug 2012 06:00:47 +0000 http://paulmerriman.com/?p=2516 <p>Be a better investor! Learn about the results of our recommendations over the last 10 years, and how they compare to the hyped claims of the Vanguard's largest newsletter. You can find Paul's Vanguard Model Portfolio results at his website and explained in his new book, First-Time Investor: Grow and Protect Your Money, now available in print and […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/paul-merrimans-vanguard-portfolios-rate-1/">Paul Merriman’s Vanguard Portfolios Rate #1</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Be a better investor! Learn about the results of our recommendations over the last 10 years, and how they compare to the hyped claims of the Vanguard's largest newsletter. You can find Paul's Vanguard Model Portfolio results at his website and ... Paul Merriman clean 14:51 Is There Fraud In Your Financial Future? http://paulmerriman.com/is-there-fraud-in-your-financial-future-2/ Wed, 01 Aug 2012 15:41:37 +0000 http://paulmerriman.com/?p=2499 <p>Fraud relates to truths – or lies – that inform your decisions about your financial future. I'm not talking here about the giant Bernie Madoff-type schemes, but the kind of fraud that takes one person's savings, one investor's money, at a time. Beyond legal definitions, fraud is when we are mislead intentionally, so someone else gains […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-there-fraud-in-your-financial-future-2/">Is There Fraud In Your Financial Future?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Fraud relates to truths – or lies – that inform your decisions about your financial future. I'm not talking here about the giant Bernie Madoff-type schemes, but the kind of fraud that takes one person's savings, one investor's money, Paul Merriman clean 14:13 Is Now The Right Time To Get Into The Market? http://paulmerriman.com/is-now-the-right-time-to-get-into-the-market/ Thu, 26 Jul 2012 16:42:13 +0000 http://paulmerriman.com/?p=2477 <p>As Ben Franklin said, "The only thing more expensive than education is ignorance." In this podcast I talk about fears of the global economic situation that are causing many investors to change strategies or become immobilized by their own uncertainty. Knowing yourself, and not being ignorant of your own fears, is essential. As I explain here, my […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-now-the-right-time-to-get-into-the-market/">Is Now The Right Time To Get Into The Market?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> As Ben Franklin said, "The only thing more expensive than education is ignorance." In this podcast I talk about fears of the global economic situation that are causing many investors to change strategies or become immobilized by their own uncertainty. Paul Merriman clean 14:45 Is The New Retirement Age 70, Or Never? http://paulmerriman.com/is-the-new-retirement-age-70-or-never/ Thu, 12 Jul 2012 18:55:19 +0000 http://paulmerriman.com/?p=2432 <p>When do you think you are going to retire? A Marketwatch.com article claims many American will not be able to retire until age 70 or older. In my upcoming print and eBook, "First-Time investor: Grow and Protect Your Money," – the first in my "How To Invest Series" – you will learn the exact steps […]</p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-the-new-retirement-age-70-or-never/">Is The New Retirement Age 70, Or Never?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> When do you think you are going to retire? A Marketwatch.com article claims many American will not be able to retire until age 70 or older. In my upcoming print and eBook, "First-Time investor: Grow and Protect Your Money, Paul Merriman clean 9:22 Isn’t market timing a form of trying to predict the future? http://paulmerriman.com/isnt-market-timing-a-form-of-trying-to-predict-the-future/ Mon, 21 May 2012 00:46:23 +0000 http://paulmerriman.com/?p=1589 <p> </p> <p>The post <a rel="nofollow" href="http://paulmerriman.com/isnt-market-timing-a-form-of-trying-to-predict-the-future/">Isn’t market timing a form of trying to predict the future?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p>   Paul Merriman clean 6:22 Ten things you should know about the risks you are taking http://paulmerriman.com/ten-things-you-should-know-about-the-risks-you-are-taking/ Mon, 21 May 2012 00:45:15 +0000 http://paulmerriman.com/?p=1587 <p>The post <a rel="nofollow" href="http://paulmerriman.com/ten-things-you-should-know-about-the-risks-you-are-taking/">Ten things you should know about the risks you are taking</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 14:29 Merriman advisor Phuc Dang discusses how he works with clients to help guide them toward retirement http://paulmerriman.com/merriman-advisor-phuc-dang-discusses-how-he-works-with-clients-to-help-guide-them-toward-retirement/ Mon, 21 May 2012 00:43:44 +0000 http://paulmerriman.com/?p=1585 <p>The post <a rel="nofollow" href="http://paulmerriman.com/merriman-advisor-phuc-dang-discusses-how-he-works-with-clients-to-help-guide-them-toward-retirement/">Merriman advisor Phuc Dang discusses how he works with clients to help guide them toward retirement</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 13:07 How a financial planner earns their keep, part 1 http://paulmerriman.com/how-a-financial-planner-earns-their-keep-part-1/ Mon, 21 May 2012 00:40:09 +0000 http://paulmerriman.com/?p=1581 <p>The post <a rel="nofollow" href="http://paulmerriman.com/how-a-financial-planner-earns-their-keep-part-1/">How a financial planner earns their keep, part 1</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 14:09 Are women better investors than men? http://paulmerriman.com/are-women-better-investors-than-men/ Mon, 21 May 2012 00:37:24 +0000 http://paulmerriman.com/?p=1579 <p>The post <a rel="nofollow" href="http://paulmerriman.com/are-women-better-investors-than-men/">Are women better investors than men?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 3:02 Merriman advisor Paresh Kamdar discusses how most advisors depend on correctly forecasting the future to be successful http://paulmerriman.com/merriman-advisor-paresh-kamdar-discusses-how-most-advisors-depend-on-correctly-forecasting-the-future-to-be-successful/ Mon, 21 May 2012 00:36:05 +0000 http://paulmerriman.com/?p=1577 <p>The post <a rel="nofollow" href="http://paulmerriman.com/merriman-advisor-paresh-kamdar-discusses-how-most-advisors-depend-on-correctly-forecasting-the-future-to-be-successful/">Merriman advisor Paresh Kamdar discusses how most advisors depend on correctly forecasting the future to be successful</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 24:50 Ten things you should know about investing http://paulmerriman.com/ten-things-you-should-know-about-investing/ Mon, 21 May 2012 00:34:08 +0000 http://paulmerriman.com/?p=1575 <p>The post <a rel="nofollow" href="http://paulmerriman.com/ten-things-you-should-know-about-investing/">Ten things you should know about investing</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 29:30 Warren Buffett: “The best time to buy is whenever you have money; and the best time to sell is never.” http://paulmerriman.com/warren-buffett-the-best-time-to-buy-is-whenever-you-have-money-and-the-best-time-to-sell-is-never/ Mon, 21 May 2012 00:33:04 +0000 http://paulmerriman.com/?p=1573 <p>The post <a rel="nofollow" href="http://paulmerriman.com/warren-buffett-the-best-time-to-buy-is-whenever-you-have-money-and-the-best-time-to-sell-is-never/">Warren Buffett: “The best time to buy is whenever you have money; and the best time to sell is never.”</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 5:20 Merriman Advisor Mark Metcalf discusses how conflict of interests can destroy your portfolio http://paulmerriman.com/merriman-advisor-mark-metcalf-discusses-how-conflict-of-interests-can-destroy-your-portfolio/ Mon, 21 May 2012 00:28:50 +0000 http://paulmerriman.com/?p=1569 <p>The post <a rel="nofollow" href="http://paulmerriman.com/merriman-advisor-mark-metcalf-discusses-how-conflict-of-interests-can-destroy-your-portfolio/">Merriman Advisor Mark Metcalf discusses how conflict of interests can destroy your portfolio</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 27:55 Is anyone smarter than the market? http://paulmerriman.com/is-anyone-smarter-than-the-market/ Mon, 21 May 2012 00:25:14 +0000 http://paulmerriman.com/?p=1565 <p>The post <a rel="nofollow" href="http://paulmerriman.com/is-anyone-smarter-than-the-market/">Is anyone smarter than the market?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 11:56 Why we put so much importance on looking at worst case scenarios http://paulmerriman.com/why-we-put-so-much-importance-on-looking-at-worst-case-scenarios/ Mon, 21 May 2012 00:24:32 +0000 http://paulmerriman.com/?p=1563 <p>The post <a rel="nofollow" href="http://paulmerriman.com/why-we-put-so-much-importance-on-looking-at-worst-case-scenarios/">Why we put so much importance on looking at worst case scenarios</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 6:40 The 4 keys to successful investing, in 60 seconds http://paulmerriman.com/the-4-keys-to-successful-investing-in-60-seconds/ Mon, 21 May 2012 00:22:38 +0000 http://paulmerriman.com/?p=1561 <p>The post <a rel="nofollow" href="http://paulmerriman.com/the-4-keys-to-successful-investing-in-60-seconds/">The 4 keys to successful investing, in 60 seconds</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 2:08 Does your advisor have your best interests at heart? http://paulmerriman.com/does-your-advisor-have-your-best-interests-at-heart/ Mon, 21 May 2012 00:21:19 +0000 http://paulmerriman.com/?p=1559 <p>The post <a rel="nofollow" href="http://paulmerriman.com/does-your-advisor-have-your-best-interests-at-heart/">Does your advisor have your best interests at heart?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 11:28 Should I switch from a variable to a fixed rate mortgage? http://paulmerriman.com/should-i-switch-from-a-variable-to-a-fixed-rate-mortgage/ Mon, 21 May 2012 00:16:57 +0000 http://paulmerriman.com/?p=1557 <p>The post <a rel="nofollow" href="http://paulmerriman.com/should-i-switch-from-a-variable-to-a-fixed-rate-mortgage/">Should I switch from a variable to a fixed rate mortgage?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 3:38 Merriman advisor Jeremy Burger discusses risks associated with investing http://paulmerriman.com/merriman-advisor-jeremy-burger-discusses-risks-associated-with-investing/ Mon, 21 May 2012 00:15:37 +0000 http://paulmerriman.com/?p=1555 <p>The post <a rel="nofollow" href="http://paulmerriman.com/merriman-advisor-jeremy-burger-discusses-risks-associated-with-investing/">Merriman advisor Jeremy Burger discusses risks associated with investing</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 26:29 DFA vs Vanguard, 10 year perspective http://paulmerriman.com/dfa-vs-vanguard-10-year-perspective/ Mon, 21 May 2012 00:12:50 +0000 http://paulmerriman.com/?p=1553 <p>The post <a rel="nofollow" href="http://paulmerriman.com/dfa-vs-vanguard-10-year-perspective/">DFA vs Vanguard, 10 year perspective</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 9:36 Buy and Hold vs Market Timing, 2012 update http://paulmerriman.com/buy-and-hold-vs-market-timing-2012-update/ Mon, 21 May 2012 00:10:37 +0000 http://paulmerriman.com/?p=1550 <p>The post <a rel="nofollow" href="http://paulmerriman.com/buy-and-hold-vs-market-timing-2012-update/">Buy and Hold vs Market Timing, 2012 update</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 9:43 Do the largest mutual fund companies have the best track records? http://paulmerriman.com/do-the-largest-mutual-fund-companies-have-the-best-track-records/ Mon, 21 May 2012 00:06:02 +0000 http://paulmerriman.com/?p=1547 <p>The post <a rel="nofollow" href="http://paulmerriman.com/do-the-largest-mutual-fund-companies-have-the-best-track-records/">Do the largest mutual fund companies have the best track records?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 10:26 Should I invest in REITs if I own my home? http://paulmerriman.com/should-i-invest-in-reits-if-i-own-my-home/ Sat, 19 May 2012 23:24:07 +0000 http://paulmerriman.com/?p=1528 <p>The post <a rel="nofollow" href="http://paulmerriman.com/should-i-invest-in-reits-if-i-own-my-home/">Should I invest in REITs if I own my home?</a> appeared first on <a rel="nofollow" href="http://paulmerriman.com">Paul Merriman</a>.</p> Paul Merriman clean 5:48