Rob, Thank you for your logical and calming video today. I am 59 years old, and I must admit it makes Abita nervous with media drama! I have always understood that this is part of the deal. Thanks for reminding us.
A HUGE thank you for bringing the comments back on the screen for each question. Much easier to follow and visually appealing. Keep up the incredible work Rob!
Maybe do a video on HOW to rebalance a portfolio in vanguard/through all investments. What to invest in someone's hsa? Those are some ideas that I've been looking for answers to.
I could never do 90/10 portfolio in retirement. It's one thing when you're dollar cost averaging into the market. Totally different when you're withdrawing.
Topics: the retirement tax trap…heavily invested in my 401k, and max’d it when I could, but never realized the importance of Roths until it was too late. Compounding could put you in forced higher brackets with RMDs…and the subsequent Medicare cost trap… tax brackets aren’t the only thing to consider when selling / realizing gains. Also realized too late (two years later, to be exact). If you’re funding retirement ahead, do it more than 2 years in advance… Thanks for all!
Rob - Love the new "set". Only suggestion would be to level out your camera to make all of the horizontal lines in your background level (including your desk). It's tilted ever so slightly to the right.
It's not the volatility I'm concerned about, it's the cyclicality. Japan's stock market still hasn't recovered to its 1989. high yet over 30 years later. Was 39k in 1989 and today it is 28k.
2nd the request for show on LTC insurance options. I recently looked at a hybrid product (life/LTC) with 10-yr pay, inflation rider, lifelong LTC bene’s, covers spouse and I…if we don’t use the LTC, at least the remain under is paid as life insur to kids…super expensive, so ultimately passed. Can’t catch you on Mon’s, so I’m a Tue viewer 😊
I DCA in my Robinhood accout. They have a feature I've not seen replicated at other brokers where you can have them do repeated $ amount purchases. I do repeated purchases of the 3-fund portfolio in the ratio of 5:3:2 (VTI,VXUS,BND)
I do this in my retirement account in Australia 50% balance fund (60/40), 20% international stock 30% Australian stock. Nothing to do for next 40 years 😂
The DCA topic is one that gets a lot of limited thinking. Like you said, when you invest a specific amount of percentage of your paycheck regularly, it is functionally DCA but is technically lump sum investing repeatedly relative to a pay cycle. With regards to the 15 year DCA plan, that would only *really* matter if the asset remained above the threshold for DCA over LS...otherwise the plan is to DCA as long as the threshold is met, but if it fell below the threshold to just dump the total amount and reassess for future investments and kind of feels like more work than is worth compared to just maintaining a relatively constant strategy of regular contributions into a targeted allocation.
Hi Rob, I haven't seen any new content on your channel for some time until tonight as indicated by the dot next to your name on my subscription list. I thought that I should check it right away as there is no red radiating from your name as other channels have when they're live. They are also at the top of the list during a live stream! Is this some kind of glitch, or is it a setting that you choose to leave off? I think that after opening your channel, I needed to click live in order to see the video showing and had been running for about 15 minutes which I was able to watch from the beginning. I just set it to full screen and watched since I'm out of sync with the stream. Having the questions on screen is a good idea even if I was watching in real time!
Rob, Thank you for your logical and calming video today. I am 59 years old, and I must admit it makes Abita nervous with media drama! I have always understood that this is part of the deal. Thanks for reminding us.
A HUGE thank you for bringing the comments back on the screen for each question. Much easier to follow and visually appealing. Keep up the incredible work Rob!
I love seeing the questions up on the screen. it helps me watching the recording to know what you are covering so I can skip some questions.
Forget colour coding the books just get the camera aligned with the top shelf.
Rob, you are the best retirement teacher I have found to date! Great content! Can you explain SEC Yield and PE Ratios?
Maybe do a video on HOW to rebalance a portfolio in vanguard/through all investments. What to invest in someone's hsa? Those are some ideas that I've been looking for answers to.
Wow. Love the 90 degree rotation. Book case looks awesome
I could never do 90/10 portfolio in retirement. It's one thing when you're dollar cost averaging into the market. Totally different when you're withdrawing.
Topics: the retirement tax trap…heavily invested in my 401k, and max’d it when I could, but never realized the importance of Roths until it was too late. Compounding could put you in forced higher brackets with RMDs…and the subsequent Medicare cost trap… tax brackets aren’t the only thing to consider when selling / realizing gains. Also realized too late (two years later, to be exact). If you’re funding retirement ahead, do it more than 2 years in advance…
Thanks for all!
As a future topic discuss the transition from using a fee only financial advisor (fiduciary) to manage your account to self managed. The how to?
Glad to see you again Rob! I was starting to worry 😅
New studio set up looks great. Very pleasant. Better than it was before
I enjoyed this session. Liked the response on lump sum investing and dollar cost averaging.
Rob - Love the new "set". Only suggestion would be to level out your camera to make all of the horizontal lines in your background level (including your desk). It's tilted ever so slightly to the right.
Regarding the idea of being in or near retirement and not having enough, could you talk about allocation of portfolio.
It's not the volatility I'm concerned about, it's the cyclicality. Japan's stock market still hasn't recovered to its 1989. high yet over 30 years later. Was 39k in 1989 and today it is 28k.
Great topic ❤. Thanks
My only interest is Retirement/Investment. Thanks
Can you expand on how you bought health insurance through your company
Hey Rob, how about making an episode on the importance of emergency fund?
2nd the request for show on LTC insurance options. I recently looked at a hybrid product (life/LTC) with 10-yr pay, inflation rider, lifelong LTC bene’s, covers spouse and I…if we don’t use the LTC, at least the remain under is paid as life insur to kids…super expensive, so ultimately passed. Can’t catch you on Mon’s, so I’m a Tue viewer 😊
Investing in primarily vti vgit...also 5-10% vb schd vym qqqm vnq bnd vcit vwo
64 not touching 10yrs
25%cash
Kinda exciting
To supplement income in general, I’d convert IRA while in lower tax bracket for income. You’re going to pay tax on it, why not do it now than later !
I DCA in my Robinhood accout. They have a feature I've not seen replicated at other brokers where you can have them do repeated $ amount purchases. I do repeated purchases of the 3-fund portfolio in the ratio of 5:3:2 (VTI,VXUS,BND)
I do this in my retirement account in Australia 50% balance fund (60/40), 20% international stock 30% Australian stock. Nothing to do for next 40 years 😂
When is this live show? Is it on a set day and time? Thanks.
Social security payments and IRMEE 28:55
The DCA topic is one that gets a lot of limited thinking. Like you said, when you invest a specific amount of percentage of your paycheck regularly, it is functionally DCA but is technically lump sum investing repeatedly relative to a pay cycle. With regards to the 15 year DCA plan, that would only *really* matter if the asset remained above the threshold for DCA over LS...otherwise the plan is to DCA as long as the threshold is met, but if it fell below the threshold to just dump the total amount and reassess for future investments and kind of feels like more work than is worth compared to just maintaining a relatively constant strategy of regular contributions into a targeted allocation.
Rob's Schwab video: fear sells. p.s. I watched it.
Hi Rob, I haven't seen any new content on your channel for some time until tonight as indicated by the dot next to your name on my subscription list. I thought that I should check it right away as there is no red radiating from your name as other channels have when they're live. They are also at the top of the list during a live stream! Is this some kind of glitch, or is it a setting that you choose to leave off? I think that after opening your channel, I needed to click live in order to see the video showing and had been running for about 15 minutes which I was able to watch from the beginning. I just set it to full screen and watched since I'm out of sync with the stream. Having the questions on screen is a good idea even if I was watching in real time!
I have an IRA. Thinking of moving some of it into gold.
What percentage would you suggest to move?
When is live show?
Just don't talk about football, or chess. All financial topics you cover are appreciated.
Short answer….do nothing and stick to your allocation
Your thoughts on dividends is messed up
Cardale Jones baby!!!!....