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 implement Paul’s principles and rebalance annually with one click. Learn more here.
investing for retirement
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 Strategy” show only a 60/40 combination of stocks and bonds, and what should your asset allocation be?
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 why.
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 he reports: At the end of 10 years only 5% of the hedge funds will still be in business. Does that sound like an investment you’d like to make? Of course, as long as it’s part of the 5%. Paul also discusses a hedge fund he helped form in 1995. The good news is it’s still in business.
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.
Paul Merriman / Sound Investing / asset allocation, Bernie Madoff, best financial advice, how to choose an investment advisor, how to protect money, investing for retirement, Paul Merriman podcast, Vanguard ETFs, Vanguard small cap fund, where to invest millions /
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 by using one small cap Vanguard fund, rather than two?
Question #3: How risky is it to let an investment advisor manage your account? How do we know the manager isn’t another Bernie Madoff?
Question #5: If an investor has millions to invest, are there things he/she should do differently from what you recommend?
Question #6: Why have you recommended Vanguard ETFs that are similar but more expensive than others they offer?
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 investments?
Question #3: I have 401(k)s, IRAs, taxable accounts, and my wife has several accounts of her own. Where can we get help to put together your asset allocation using all these accounts? Is it possible to get good advice on an hourly basis?Question #4: My friend and I are in our 20s. I told him you recommend young investors should have all their long-term investments in equity funds. He is keeping 10% in bonds in case there is a big sell off, help protect him from loss and give him money to invest when the market is down. What do you think?Question #5: My grandmother has a 10 year CD paying 3.1%. She wants something that pays more but is safe. What would you recommend?
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.
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.
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 concern is that most investors don't really understand the impact of the 1/2 percent difference.
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. Why investment decisions should always be based on probabilities, not possibilities. Asset Allocation and knowing what is a perfect fit for you. Working with brokers or other advisors to get the information you need and realize the best returns on your investment.
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 if this advice helps you, or can be used to help young people you know.How To NOT "Freak Out" About Your Financial Future