This 2 fund solution leaves the S&P 500 in the dust

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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 and podcasts, particularly for first-time listeners:

The worst bear market that nobody ever talks about

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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/
 
 

Is John Bogle the best source of investment advice?

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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 and Kenneth French, as well as Jeremy Siegel and Robert Arnott. Paul references the long-term returns of large cap blend (Total Market Index) and small cap value indexes. Yes, small and value have a fine long-term return, but does the higher volatility make it worth the additional risk?

How to defend against bear market losses and other questions

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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 a commission-motivated salesperson lead to terrible financial outcome?

The 1/2 Percent Difference

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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 all types of annuities, available at:  http://www.stantheannuityman.com/. He offers great information and will not call you.

Lessons from “How to Think About Money” by Jonathan Clements

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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 index funds.

keywords: how to think about money, jonathan clements, first time investing, how to invest, what are index funds, paul merriman podcast, sound investing

How to select the best financial advisor

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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 working in your best interest or in his /her own.

10 lessons from 80 years of history

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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 table makes it easy to compare these asset classes over 8 decades starting in 1930. Paul recommends printing out the table or referencing it on your screen while listening to this podcast. The decade of the 80s was the only decade that the S&P 500 was the star performer. To read more about this, see Paul’s MarketWatch article, “8 lessons from 80 years of market history.“

MASTERING YOUR MONEY

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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 found here.

20 THINGS YOU NEED TO KNOW ABOUT INVESTING PART 2

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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 but, as you will learn from the interview, he has taken the time to understand how the investing  process works.  In these two podcasts Michael and Paul discuss dozens of important topics including: the essentials of successful investing,  how salespeople hurt investors, what is a fiduciary and how do you know you have a good one, why investors make less than they should,  the possibility of making 12%, what  asset classes produce the best returns,  how much investors need to save before they retire, rebalancing, Paul’s $3000 to $50 million strategy and lots more.  For those who enjoy Michael’s interview style, check out http://stealtheshow.com/podcast/archive/ for a list of topics including:  http://stealtheshow.com/podcast/former-president-of-starbucks-howard-behar/;   http://stealtheshow.com/podcast/mark-bowden-winning-body-language/;  and  http://stealtheshow.com/podcast/tucker-max-how-to-write-a-book-without-writing/.

20 THINGS YOU NEED TO KNOW ABOUT INVESTING PART 1

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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 understand how the investing  process works.  In these two podcasts Michael and Paul discuss dozens of important topics including: the essentials of successful investing,  how salespeople hurt investors, what is a fiduciary and how do you know you have a good one, why investors make less than they should,  the possibility of making 12%, what  asset classes produce the best returns,  how much investors need to save before they retire, rebalancing, Paul’s $3000 to $50 million strategy and lots more.  For those who enjoy Michael’s interview style, check out http://stealtheshow.com/podcast/archive/ for a list of topics including:  http://stealtheshow.com/podcast/former-president-of-starbucks-howard-behar/;   http://stealtheshow.com/podcast/mark-bowden-winning-body-language/;  and  http://stealtheshow.com/podcast/tucker-max-how-to-write-a-book-without-writing/.

What investors need to know

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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 the simple investment decisions that can have the biggest impact on future returns?
• What is the best mix of stocks and bonds?
• Is there a point that we can have too much diversification?
• Why not make an attempt to protect our money against huge losses?
• What are the risks of taking too little risk?
• What investments aren’t worth the risk?
• How important is it to understand your investment expenses and their long term impact on returns?
• Why shouldn’t investors try to beat the market

Outrage of the Week and 11 Q&A’s

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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 from his listeners and readers at paulmerriman.com (Note to listeners: there are 12 Q&A’s mentioned on the podcast, but one was removed in order to better address it in a future Q&A).

1. As a first time investor afraid of losing money in the market, can you recommend a book to read and what can you say that will help me take the high risk of stocks?
2. Why don’t you create a portfolio of ETFs that can select from all available ETFs?
3. How can I get you to update your 401(k) for my company?
4. Now that Fideliity has lowered their fees on ETFs, should I move from Vanguard to Fidelity?
5. How can I get my company to add index funds to the 401(k) choices?
6. How about using some of the best performing REITs rather than index funds?
7. How are ETF portfolios changed as the companies change size or value/growth characteristics?
8. What do you do with proceeds from a RMD that you don’t need to live on?
9. What would you do to make my portfolio better?
10. What do you think of The Mutual Fund Store?
11. Should I use the Four Fund Solution or The Ultimate Buy and Hold Portfolio for the equities part of my portfolio?

How value stocks can keep you from outliving your money

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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 this, Paul reads sections from both “Financial Fitness Forever” and “Live It Up Without Outliving Your Money.”  And for those who aren’t interested in all these details, it’s important to know that almost every famous professional investor became famous using value stocks (e.g., Warren Buffet, Peter Lynch, John Templeton, and Michael Price).

How to avoid the 20 most common mistakes retirees make

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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 specific advice how to avoid them. If an investor can protect him/herself from one of these mistakes, it can be a life changer. If you can avoid all 20 mistakes, it will likely lead to less risk, more money to spend in retirement, more to leave to others, and fewer worries about money and the future.

How can you protect yourself from Wall Street?

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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.

Q&As: ETFs, grandchildren, emerging markets and small cap value

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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 questions from his readers and listeners.

What to do about the Brexit Blues?

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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 his new video, available at PaulMerriman.com

Answers to your questions and comments about “How to turn $3000 into $50 million”

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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 make people comfortable with the risky nature of stocks. For more on this “Legacy” strategy, go to: http://paulmerriman.com/turn-3000-50-million/

12 lessons we must teach first time investors

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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/
Raising Financially Fit Kids by Joline Godfrey

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