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% in bonds too conservative at age 29?
4. My wife and I are in our mid-thirties and 10 years away from early retirement. How much risk should we take?
5. Schwab has very low minimums and expenses in their index funds. Would these funds be a good place for a first-time investor to start?
6. We are coming to San Miguel and wondered if we can meet with you?<
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 investment and no more exposure to risk you’re willing to take. It should also allow you to rest assured that your strategy works in good times and bad. No matter what times are like, this is the “Ultimate Buy and Hold Strategy” for the long haul.
Recommendation: Before listening to this podcast, please print the pie graphs (or have them available to reference). You can find them – and more articles on this topic – at: http://paulmerriman.com/
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 investors that listening to this kind of advice can be very costly, even life changing. He shares how he deals with the possibility that these gurus might be right, and even predicts when the next big bear market is likely to come.
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.
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 cost places to shop. The surprise is how different the prices can be for exactly the same product.
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.
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 over $4,000,000. No gimmicks. No outrageous claims… just a little bit of money and a whole lot of time and patience.
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 with newsletters that charge for their advice. Paul also discuss why these results do not mirror the real results investors achieved.
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 no risk in the past – we know what we should have done.
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 to understand and manage… and yet few investors do.
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 can help create a brighter financial future
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.
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 and see something besides the ocean cities of Mexico. The trip ended 10 days later with the decision to buy a home and eventually retire, at least part of the year, in San Miguel. In this rambling podcast Paul discusses the lifestyle, the beauty, the relationship and the costs of living in San Miguel.
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 of America’s millionaires became wealthy by living below their means and shying away from debt. Stacy offers steps to begin overcoming hurdle #2 and have more money at the end of the month to save and invest.