In Plus episode 498, we consider whether to use a financial advisor in retirement. We explore if there is a rule of thumb for when to invest in non-investment grade bonds. We analyze the BondBloxx CCC Rated USD High Yield Corporate Bond ETF (XCCC) Finally, we provide a yield update for the VanEck AA-BB CLO ETF (CLOB) … [Read more...]
421 Plus: Follow Up to Hiring an Investment Advisor and DoubleLine’s New Bond ETF
In Plus episode 421, we revisit a situation from Episode 389 in which a member was interviewing investment advisors to see what he decided to do. We also compare DoubleLine's new DoubleLine Opportunistic Bond ETF (DBND) to other ETFs and mutual funds the firm offers. … [Read more...]
398: When Should You Hire An Investment Advisor? Two Case Studies
We analyze two listeners' portfolios. One who is close to retirement and considering hiring an outside money manager. The second is 45 and just sold a business and is trying to decide whether to fire Schwab's robo-advisor service and manage his portfolio on his own. Topics covered include: What elements are part of a financial planWhat to consider when researching an investment advisorWhat is a core-satellite investment approachWhy Schwab was fined $180 million for misleading its … [Read more...]
354 Plus: Advisory Fees, A Mortgage Note Fund and Safe Haven Investing
In Plus Episode 354, we explore how to evaluate an advisor's business model to estimate their firm revenue to see if their fees seem fair. We consider the impact of valuation changes on stock performance. We review a fund that invests in private mortgage notes and promises an 8% preferred return. Finally, we review Mark Spitznagel's new book on safe haven investing. … [Read more...]
313 Plus: Advisors for Ultra High Net Worth Individuals, Annuities, Trading, and a Commercial Real Estate Update
In Plus episode 313, we assist a member who is seeking an investment advisor. We consider the role of investment-oriented annuities in a portfolio. We answer a member's question about trading. Finally, we review the commercial real estate market as a member who is looking to buy a rental office has not seen prices fall despite the recession and pandemic. … [Read more...]
303: How To Do Financial Planning
Why individuals should use a more agile approach to investing and financial planning. Topics covered include: How to incorporate low probability catastrophic events in your financial plans.How traditional financial planning differs from agile financial planning.Why we need to test-drive our financial plans.How too much efficiency can lead to a lack of resilience.How David’s portfolio is allocated using a flexible, role-based bucket approach. Show Notes The Investors’ … [Read more...]
258 Plus: July 2019 Portfolio Review, Hiring a Financial Advisor and Delaware Statutory Trusts
In Plus episode 258 for the week of July 6, 2019, David discusses a recent mortgage REIT ETF addition to his portfolio. He also answers a member's question on hiring a financial advisor on a project basis. Finally, we discuss Delaware Statutory Trusts that hold real estate. … [Read more...]
248: How to Avoid Investment Fraud
Here are precautions we can take to avoid ponzi schemes and not become victim to investment fraud. In this episode you’ll learn: What are sources to determine the background of individuals and firms who are selling investment products and advice.What is the difference between registered investment advisors, registered investment companies and registered securities.How to analyze performance and fees to make sure they are acceptable before we invest.Why we need to be more wary if … [Read more...]
148: Is Your Financial Advisor Loyal to You?
Why some financial advisors must show undivided loyalty to you while others can have undisclosed conflicts of interest. How to tell the difference. Photo by Matthew Henry In this episode you'll learn: What is the difference between an investment advisor and a financial advisor.What are fiduciaries.Are robo-advisors fiduciaries.Why is the Department of Labor's new fiduciary rule controversial.Things you should ask a financial advisor before hiring him or her. Show Notes Who Is … [Read more...]
MNY144 Plus: Financial Advisors, Rising Rates and Market Depth
This week February 11, 2017 on Money For the Rest of Us Plus we look at a the difficulty in finding a financial advisor to manage assets. We look at under what circumstances an investor should shift some of their bond allocation to cash. Finally, we look at the specialist function on stock market exchanges and analyzing market depth. … [Read more...]
