The Investor Coaching Show with Paul Winkler

The Financial Industry Is Selling Assurance, But Gambling More Than Ever

Paul and Evan talk about how the financial industry sells the “safest” and “best” product to investors given market conditions, and then the financial media swoops in to convince investors of some new information that pushes everyone in a different direction. Listen along as these advisors ask investors: During a time war, political uncertainty, elections, and new technology, do you want to trust that these companies know what is going to happen next? Instead, Paul encourages investors to take an approach that allows them to spread their risk out and unplug from the news. Later in the episode, a survey of Robinhood accounts shows that when investors can choose which companies to own, they usually pick companies that they already know and are using the products or services of. 

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

One Thing Not to Be Afraid of This Halloween

Paul has seen many people go through the same cycle of investing: becoming interested in investing, being sold faulty investments, becoming afraid of the future, and finally believing that all investing is just a scam or gambling. Today, Paul and Evan talk about investing at its best. Listen along to hear how investing can actually mean owning companies all around the world that increase peace and collaboration between nations, provide better jobs and a higher quality of life for workers, and champion innovation and technological advances for the world — all while these companies work to provide profit and financial security for you, the shareholder. Later in the episode, Paul shares a Halloween classic, “The 12 Scariest Things You Can Hear From Your Broker This Halloween.”

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

What We Can Learn From 8% Mortgage Interest Rates

With mortgage rates at 8% for 30 year loans, an average priced home now costs over $3,000 per month with hundreds of thousands more paid over the life of the loan. Today, Paul wants investors to know that spending most of your income on real estate is actually similar to having an investment portfolio that contains mostly large US companies. Listen along as Paul shares how it’s more dangerous to be overinvested in any one area and why your financial situation may have risks that you can’t even see. Later in the episode, Paul talks about how investors are sold investments based on past performance and predictions of the future and how to get out of a cycle of buying high and selling low when things don’t work out.

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

How Much to Keep in the Bank and How to Invest the Rest

Is it time to move some money from your savings to an investment portfolio? If so, how do you choose what you should invest in? Today, Paul shares how to know if you have too much money in the bank and how to invest the rest. Listen along as Paul explains why the assets you choose when you invest should be directly connected to your time horizon. 

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

It Seems Like a Bad Time to Think About Investing

This week Paul looked through a sea of headlines that could negatively impact markets and finally asked: Who on Earth would want to invest in times like these? Listen along as Paul works to help average investors separate the disillusionment that comes from war and political chaos from the process of saving and investing for the future. Later in the episode, Paul explains why having a true purpose for your money is much better than just having a lot of money. 

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

How Do You Plan for a Retirement That Is 50 Years Long?

Studies show that people are living longer as access to healthcare, food options, and less manual labor increase due to technological changes. But how would living to 120 affect retirement? Today, Paul talks about the two major risks to a 50-year-long retirement — inflation and stock market fluctuations — and why having a plan that accounts for both is more important than ever. Later in the episode, Paul talks about the Russell 2000 and explains why investors should be skeptical of indexing in their portfolios.

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Is the S&P 500 Becoming a Riskier Strategy?

A few generations of investors were able to rely on the return from the S&P 500 and a 60/40 income strategy in retirement without too many issues. Today, Paul talks about why these investors benefited from a unique 20–30 year period in the world of investing that investors today will not likely get to enjoy. Listen along as Paul explains why this strategy for investing has become increasingly risky and why academic investing principles and diversification outside of large US companies is the best shot investors have at a portfolio that can get you through your retirement years. Later in the episode, Paul finds a WSJ called “I Just Wasn’t In the Mood to Work” that talks about how younger American workers don’t have the same approach to work as the previous generation and how new technology and a changing labor force are going to change how businesses think about labor moving forward.

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

IRS Warns Against Using a New Complex Trust Rule to Avoid Taxes

The IRS came out with a new and complex rule around removing money tax-free from a trust and immediately had to issue a warning after investment “gurus” took to the internet encouraging investors to avoid taxes. Today, Paul and Evan talk about how people try to twist tax laws for their own benefit and often wind up in more trouble than they were before. Later in the episode, Evan talks about when you would want to take the lump-sum benefit on your pension. 

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Can You Invest $100 per Month and Retire Wealthy?

There are all kinds of claims floating around the internet that say things like, “If you invest $100 per month for the next 40 years, you’ll have over $1 million dollars in retirement.” Today, Paul and Evan explain why this quick investment math is misleading and how difficult it is to predict income in retirement. Listen along as these advisors share how investors are sold promises about their financial future that rarely come true. 

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

“Advanced” Investment Strategies Usually Have a Hidden Flaw

What happens when you mix the passive income of a REIT, the tax credits of oil and gas investment, and the death benefit of an insurance policy? Today, Paul and Evan talk about some common strategies people have invented to generate passive income with no risk that you don’t have to pay taxes on. Listen along as these advisors explain why these “advanced” investment strategies usually have a hidden flaw that investors don’t see until it’s too late. Later in the episode, Paul talks about how his childhood mall ended up in the WSJ this week after Carl Icahn bet against it and lost.

 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.