In Plus Episode 416, we review the methodology Money For the Rest of Us uses to develop expected returns for different asset classes. We review the latest expected returns and how they differ from six months ago. We discuss dollar cost averaging in the face of a potential recession. Finally, we discuss whether we should consider the current level of the dollar when investing outside of the U.S. … [Read more...]
414 Plus: Emerging Markets Latin America Stocks, Bank Safety and Investing Lump Sums
In Plus episode 414, we review the current valuations of Latin American stocks, deconstruct historical performance, and develop estimates for returns over the next decade. We review ETFs for investing in Latin American stocks and consider the risks. We also review how to decide if a high-yield savings account at a bank is safe and how to be protected. Finally, we review investing a lump sum payment all at once or dollar cost averaging. … [Read more...]
330 Plus: February 2021 Investment Conditions, Bond Fund Break Evens, and Municipal Bonds versus Utilities
In Plus Episode 330, we review investment conditions as of early February 2021. We calculate the break-even time for taxable and municipal bond funds to recoup price losses due to rising interest rates. We also compare municipal bond funds to utility dividend yields and find utilities to be more attractive. … [Read more...]
315 Plus: Moving Out of Cash, Purchasing and Storing Cryptocurrencies, and Mortgage REITs
In Plus Episode 315, we answer a member's question about how to move his portfolio back into the stock market. We review how to purchase and store cryptocurrencies. Finally, the episode includes the audio from a new video lesson on how to invest in mortgage real estate investment trusts. … [Read more...]
264 Plus: Investing New Money and U.S. Bank Consolidation
In Plus episode 264 for the week of August 17, 2019 we look at recent updates to the Plus member website. We answer a member's question about investing $100,000 in the current market environment. Finally, we look at the ramifications of bank consolidations in the U.S. … [Read more...]
154 Plus: How Your Profession Impacts Your Investment Strategy
This week April 20, 2017 on Money For the Rest of Us Plus we look at how investors should factor in their employment in terms of their overall asset allocation, such as the variability of their income and the industry in which they work. We look at a new study by Vanguard on dollar cost averaging versus investing lump sums. We explore the implications of the phrase, "the market went up because the money had no where else to go." Finally, we consider how investment bubbles can contribute … [Read more...]
MNY145 Plus: REITs, Quantitative Tightening, and Peer-to-peer Lending
This week February 18, 2017 on Money For the Rest of Us Plus we look at an example of how not to estimate REIT returns. We also explore the potential impact as the Federal Reserve reduces the size of its balance sheet. We explore peer-to-peer lending using Lending Loop. Finally, we answer whether one can lose money indexing and how to dollar cost average into portfolios. … [Read more...]
MNY087 Plus: Dollar Cost Averaging and Credit Risk
This week on Money For the Rest of Us Plus I answer Hub member questions regarding investing large lump sums and whether bank loans (i.e. floating rate bonds) are a good substitute for investment grade bonds in order to protect against rising interest rates. The episode length is 16 minutes. MNY087 Plus View and Listen To Other Plus Episodes Audio Download Download the audio file Transcript Welcome to Money For The Rest of Us Plus, this is the companion episode to Episode 87, Is This … [Read more...]
79: Lump Sums and Life Insurance
Is it better to dollar cost average or invest a lump sum. And what type and how much life insurance should you buy. Photo by Thomas Hawk In this episode you'll learn: Should you invest large sums all at once, dollar cost average or go buy something.Why rational investors don't dollar cost average, but most investors do it anyway.How term insurance works.How much life insurance should you have.How insurance companies are organized and make money.Under what circumstances should you … [Read more...]
