The Investor Coaching Show with Paul Winkler

Supreme Court Unanimously Rules Against Employer

The Supreme Court ruled unanimously against Northwest University by saying the university provided too many options in their retirement plans. To which, Paul asks, “Aren’t options a good thing?” Listen along as Paul and Arlene cover how this employer had gotten out of control with confusing, expensive investments, what the law states about prudent investments, and what further action needs to be taken for employees to have good options in their 401(k)s.

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Who Made Money on Meme Stocks?

Last year, many investors thought they found a money-making scheme and an opportunity to take down some of the largest investment companies by investing in meme stocks. Today, Paul shares a timely article on the topic and a televised interview with Interactive Brokers CEO to shed light on who really made money from these transactions. Later in the episode, Paul dives into what pushes younger investors to take these kinds of investment risks. 

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FAANG Stocks in Early 2022

Paul and Arlene talk about how some large U.S. companies have struggled recently and don’t seem set up to provide the kinds of returns people are hoping for long term, even though most investment products and investors are still overweight in this area. Paul covers some recent bumps in the road such as labor participation, consumer trends, and how inflation and currency valuation can create unpredictability between the U.S. and international markets. Later in the show, Paul talks about a record increase in housing prices in 2021.

 

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TV Is Not a Good Place to Get Investment Advice

Paul breaks down the performance of trendy investments and investments recommended by trendy finance personalities. Paul encourages listeners to review the performance of investments and ask, “Why is someone trying to sell me this?” It may make for good TV or entertainment, but it’s not a path to a secure financial future. Later in the episode, Paul warns investors trying to get rich from meme stocks by explaining who is really making the money. 

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Retirement Isn’t the End of Investing

Paul explains why meeting your retirement savings goal is only the first step toward a long and successful retirement. Listen along as Paul teaches about the dangers of running down your portfolio, how to take an income in retirement that will last your whole life, and why investments that promise no risk to principal won’t provide you with the returns you need toward the later years of your life. 

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Slow Down Your Thinking About Market Downturns

We’ve all heard stories about someone losing their money in a market downturn. The financial news outlets often explain market downturns as an omen of financial crisis. Today, Paul works to rewire your thinking around market downturns. Instead of focusing solely on the loss, Paul encourages you to slow down as he describes what historically happens in the first few years after market downturns. Listen along to hear about how downturns are a part of a larger market trend. At the end of the episode, Paul shares how you can look at your statements and know if your investments aren’t properly diversified.

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RMD Changes and Why QCDs Aren’t Showing Up on 1099s

Today, Evan answers a question about an investor’s 1099. Ira wants to know why the investor’s full RMD is listed as taxable even though half of the money went directly to a charity. Listen along as the team breaks down why the 1099 is correct and what needs to be done when filing taxes in a situation like this. After that, Evan shares updated mortality tables from the IRS about RMDs for different account types.

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Fidelity Is Trying to Rebrand Itself

Today, Paul and the team talk about a popular WSJ article from last week titled “Fidelity, Once Stodgy and Adrift, Bets on Reddit Crowd.” Listen along as the team explains why the company was struggling and needed a rebrand and why playing to younger investors is not a good formula for a secure retirement. Later in the show, Paul shares about Bitcoin’s recent correlation with the NASDAQ.

 

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Understanding High Interest Rates on Bonds

This week, Paul chats with an investor who has been investing in bonds with higher interest rates to try and get higher yields. Paul teaches about bond premiums, inflation, default risks, and why these higher interest rates on bonds expose investors to problems that are hard to see when you’re buying them. Later in the episode, Paul explains why some investors disagree with his investment philosophy in general.

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Do You Know What’s Happening in Your 401(k)?

The default investment of most 401(k)s is target-date funds. If you’ve been automatically enrolled in a 401(k) plan or chose a default based on your age, a target-date fund is likely where your retirement money is being invested. Today, Paul continues his education on target-date funds by sharing their flaws, their performance compared to other options, and how they can hurt investors—particularly younger investors. Listen along to learn how to make more informed decisions in your 401(k).

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