The Investor Coaching Show with Paul Winkler

Are Business Profits Coming Back After Inflation?

Today, Paul gives an economic update and talks about how inflation causes businesses to forgo profits as they try to avoid raising prices. Listen along as Paul talks about the shift in spending that happens in both personal finances and world economies when costs start to rise. Later in the episode, Paul finds it funny that anyone would claim Bitcoin is now undervalued after what happened to cryptocurrencies in 2023.

 

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

The Problem With Investing in Funds That Align With Your Values

This week Paul gets an email from an investor about a fund that claims to follow a biblical approach to the companies it chooses. Today, Paul talks about why it’s a bad idea to try to use investing to make a religious, social, or political statement. Paul uses ESG funds to show why “value-based” investing is usually a marketing tactic from the fund company that leads to lower returns and less money in retirement. Paul wants you to know that finding your true purpose for money will help you express your values better than a fund company ever could. Later in the episode, Paul shares an interesting article from the Wall Street Journal article called, “Downsizing Your Home Isn’t the Money Move It Used to Be.”

 

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

Major Fund Provider Wants You to Know You Probably Can’t Retire

Paul found an article from Vanguard talking about the seven places you’ll likely need to move to afford retirement. The article also claims that only the top 5% of earners will be able to afford retirement. Paul hasn’t seen that from his own personal experience and is curious why the company that is responsible for building retirement funds wants investors to know they need a back up plan. 

 

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 Factors Actually Drive Returns? A Quick Lesson About Factor-Based Investing

Today, Paul uses an article from the WSJ called “Factor ETFs Fail to Deliver Their Promised Outsize Returns“ to explain what factor-based investing is and how the investment industry has turned 5-factor investing into over 400. Listen along as Paul and Ira talk about what factors actually drive returns. Later in the show, Paul shares a story about running into someone working at the hardware store who decided to get a job shortly after retiring and discusses the changes people often make after experiencing retirement for a year or two.

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 to Serve Others in a World Obsessed With Competition

Paul read a book called “You’re Not Your Own” while on vacation last week that talked in depth about personal fulfillment, work, and feeling overwhelmed and distracted. Today, Paul shares some of his top takeaways from the book and why we can’t thrive in today’s climate without finding a community of people who are more interested in serving one another than competing with one another. Later in the show, Ira talks about the American Dream Experience and how it’s helping people find their true purpose for 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.

What Might War in the Middle East Mean for Markets?

Paul hears on Saturday hours before the show starts of the unprecedented attack on Israel and Israel’s declaration of war against Hamas. Listen along as Paul and Ira express their concern over the situation in the Middle East and admit that it is tough to talk about money and investing so close to such a tragic event. Paul’s big take away: Markets will likely be down this week but could jump up at any time. Hang tight, and don’t let anyone use a tragedy like this to take advantage of your retirement savings. Later in the show, Paul and Ira talk about a WSJ article called, “Why No One’s Going Into Accounting.”

 

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

Almost Half of Investors Make Up Their Retirement Goal

Today, Anne brings a study that shows 40% of 401(k) participants just make up the number they’ll need in retirement, and 30% rely on online calculators and 410(k) projections. Paul wants investors to know that guessing what they’ll need in retirement is a great recipe for not ending up in the right place. Listen along as these advisors talk about how the financial industry isn’t set up to show you an accurate picture of your retirement and how a financial advisor can help you chart a path towards your retirement goals. Later in the episode, Paul and Anne explain why owning long-term bonds can hurt your financial future.

 

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 to Know if an Investment Company Is Investing Wisely (Part 2)

Paul has watched many investors learn the hard way about which investments to choose and where to get trustworthy advice. In this two-part episode, Paul walks through some of the most common places people go to find advice on which investments to choose and how these strategies have led many investors into poor performing products or scams. Listen along as Paul shares how you can know if an investment company is investing wisely.

 

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 to Know if an Investment Company Is Investing Wisely (Part 1)

Paul has watched many investors learn the hard way about which investments to choose and where to get trustworthy advice. In this two-part episode, Paul walks through some of the most common places people go to find advice on which investments to choose and how these strategies have led many investors into poor performing products or scams. Listen along as Paul shares how you can know if an investment company is investing wisely.

 

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

Study Shows that Income Models for Annuities Are “Extraordinarily Misleading”

Paul and Anne talk about how insurance companies use misleading income projections when they look to sell fixed-index annuities. Anne brings an article that talks about the different models that are used to assure investors that their money will be safe in an annuity product and how investors don’t find out what the real returns are until it’s too late to take their money out without penalty. Later in the episode, the advisors address the psychology behind why people go to advisors for financial help but have a hard time acting on the advice.

 

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