How to Invest a Lump Sum | Jill on Money
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- เผยแพร่เมื่อ 16 ก.พ. 2024
- On this episode of Jill on Money, Jill Schlesinger and Mark Talercio talk with Jack, who is wondering how to invest with a lump sum he recently acquired, as well as how to best preserve some of that capital to help his family. If you'd like to submit a question for Jill on Money, visit: www.jillonmoney.com/contact.
Jill is an Emmy and Gracie Award winning Business Analyst for CBS News and host of the Jill on Money podcast.
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“Jill on Money” is a publication by Jill Schlesinger, the content creator. Jill Schlesigner is not an employee of Ritholtz Wealth Management. This podcast is for informational purposes only and should not be relied upon for investment decisions. Investing involves the risk of loss. Nothing in this podcast should be construed as a solicitation of an offer to buy or hold, an interest in any investment product.
The opinions expressed in this video are those of Jill Schlesinger and her guests. They do not purport to reflect the opinions or views of Ritholtz Wealth Management or its employees. Any recommendations or presentation of material therein do not imply the expression of any opinion whatsoever on the part of Ritholtz Wealth Management concerning the suitability or reliance on any financial topics discussed. The Compound and Friends is hosting “Jill on Money” videos for purposes of distribution for Jill Schlesinger through The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management. The Compound Media, Incorporated from time to time, generates advertising revenues on its media channels and has agreements in place to share those revenues with content creators. Ritholtz Wealth Management is not a client or investor with Jill Schlesinger. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship, or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees.
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All opinions expressed by Jill Schlesinger on this website and on the “Jill On Money” radio show are solely Jill Schlesinger’s opinions and do not reflect the opinions of CBS News, its parent and affiliated companies or radio station affiliates. You should not treat any opinion expressed on this website or on the radio show as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of an opinion. Jill Schlesinger, CBS News, its parent and affiliated companies and radio station affiliates make no warranty as to the completeness or accuracy of any opinion expressed on this website or on the radio show, and any opinion expressed on this website or on the radio show should not be relied upon as complete or accurate. Before acting on any information on this website or on the radio show, you should consider whether it is suitable for your particular circumstances and seek advice from your own financial or investment adviser.
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really wish i listened to this stuff when i was younger.
Love the show! Must commend Jack and his siblings for taking care of their parents. Thanks Jill and Mark for providing great content and advice we can all learn from.
Jill & Mark, great show! 🎉🎉🎉🎉🎉
Such a great show I really love this Jill is great!
Jill is awesome!
fantastic show
Thanks Jill and Mark! Great episode. I’ve been a student of personal finance for a long while and never realized that you could gift shares and have the recipient pay capital gains the way you described or that you could avoid gift taxes by paying a medical bill directly. Thanks for the lessons and learnings!
Great show! The California muni's is a great suggestion.
I am so proud of this young man and his siblings.
Please do the show on self employed!
Incredible in terms of a fairly detailed F&I guidance and work throughs. Some could consider this nuance advice, I personally like the trailing work arounds on investing in their parents retirement regarding tax implications.
Probably a wonderful family. Who knows, overall great messages and thanks for sharing this.
I watch these just to hear Jill's voice not expecting to learn much, but damn sometimes I learn quite a bit.
Jack - gift your parents appreciated stock as they need it, then they can sell at their tax bracket. Assuming no other material sources of income for them, they could recognize up to $100k of gains federal tax free.
Goals!!
Jill is Good !
I wear gloves and hat with coat even when it's 50 degrees 😂
Wasn’t this caller already on the other podcast? At least release on the same day.
Jill spoke of being allowed to pay a parents medical bills without limits on gifts. What if his parents needed a new roof? Could he pay that direct bill or only medical bills without limits on gifts?
Only medical bills directly to provider, no limits on amount. Also, same applies to college bills but I think his parents are not likely going to college in their 60s lol.
@@kpapadop007 Thanks!
800K left on the mortgage. While an interest rate of 2.5% is excellent it's still 2.5% on well over a half mil.
No financial expert here, but hey maybe consider getting out from under the bank early.
Iv got 10£ and £5 is in cash is that too much ❤
Such International haters 😅 This guy already had the right allocation if you consider he's 32 and 100% stock, that makes his parents 50/50 with the other half, which is pretty conservative already.
This podcast is for smart people's problems
You know you can be smart & successful without being a 32 year old with a $1,991,000 net worth. Starting to seem Jill needs to figure that out. I think she needs to address situations relatable to a wider audience.
You have many podcasts that cover basic finance. Savings, reducing debt etc. I think nuanced advice like this is important and valuable for people who have the basics covered and want to know how to optimize and manage larger sums. There isn't a lot of good nuanced information out there like this.
Lucky for him, and his parents, to get that $600k. Invested in a simple money market at 5% interest would earn $30k per year, should easily cover all his parents expenses and still have the $600k to keep earning interest. Those that want lower interest rates, be careful what you wish for…
eventually the rates will come down so best to take advantage of it now.
This podcast is for rich people problems
Sometimes it seems like that. This 'Jill on Money' thing on The Compound is still fairly new and may not be getting many people asking questions yet. Perhaps eventually people with more average financial situations will seek their help and get featured.
lol
Not to brag 😂
the best problems
@@personofnote1571 Ya! Not to brag but I'm 32 years old with $300k of family income and family net worth of $1,991,000 but $600k of that I need to figure out what to do with!
I'm happy for him and I don't want to be the "hate mail" he spoke about but does this guy's "situation" really reflect the listeners of this podcast? Same can be asked about the earlier people addressed by earlier episodes.
Lucky couple but sad
No kids, no goals or favorite charities. All right, being sure your parents are able to live a good life is a goal. I heard no goals for their parents like travel to see the wonders of this world. Is this wealthy couple supporting the arts or some other worthy cause?
@@philipdamask2279 yeah that’s something but not enough
Parents are 64 and 71, and are “elderly”. Get a clue dude. Far from elderly.
I thought he was going say 90 and 92 lol. 62 elderly she should have 30 years at least to love if she is healthy.
This should be on a separate channel
No offense but what are people like them saving so much for if they have no kids? Why are they bending over backwards to maximize returns? Just get a Porsche, go on a few fancy holidays. Maybe donate to a good cause? People spend less money as they grow older so they’ll have plenty left over. It seems so pointless if you’re not planning on leaving the money to someone.
He's got dependents. His old parents who have no retirement funds. That's why he's got to save a lot
His parents are elderly. Father very much so. They won't need nearly this buffer even in the worst situation.
SPY/XLK/TLT even spread, saved you 20 minutes 😜