The Investor Coaching Show with Paul Winkler

The Illusion of Risk-Free Investments: Lessons from Silicon Valley Bank

Today, Paul talks about why an academic approach to investing may sound boring, but could save you from a lot of pain in the future. Drawing from the recent failure of Silicon Valley Bank, Paul warns listeners about the dangers of trusting financial institutions like banks and insurance companies that promise risk-free investments, or guaranteed payments, and he emphasizes that every investment has risk. The key, Paul explains, is understanding how to build a solid financial plan and learning how to take the appropriate risks for your situation. 

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

How Quickly Real Estate Markets Can Cool Off

People often believe that real estate is a stable investment and forget just how quickly real estate markets can cool off. Paul shares a story from early in his career when it was unpopular to buy real estate properties, like condos. Paul cautions investors about the risks of purchasing an illiquid asset when tax laws, buying patterns, and interest rates can change at any time. Later in the show, Paul revisits a study on disclosing conflicts of interests and why it’s so easy to get caught up in a company who is selling you products and is not concerned about your financial future.

 

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

Starting, Growing, and Succeeding as a Small Business with Dean Diehl (Part 2)

Usually The Investor Coaching Show covers topics about investing and planning for a time in your life when you come to the end of your career. In this two-part episode, Paul wants to talk about starting, growing, and succeeding as a small business. Paul invites former Sony executive and business professor Dean Diehl onto the show to talk about his new book Crawl, Walk, Run. Listen along as the two talk about how small business owners can safely test small business ideas, transition into full-time work that meets the real needs of their community, and become profitable and successful for the long-haul.

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

SVB Crashes: A Lesson in Diversification

Listen to Paul cover the Silicon Valley Bank crash the day after the Federal Deposit Insurance Corp. seized the bank’s assets. Paul talks about both the failure of the bank's investment practices and the failure of regulators to allow a bank, which had almost $200 billion in deposits two years ago, to experience this kind of meltdown. Paul explains how this is a valuable lesson in diversification for all investors and why investing too heavily in bonds can backfire. 

 

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

Paul Appears on the News to Address the Silicon Valley Bank Crisis

After the banking sector took an unfortunate spotlight in our nation over the weekend, Paul appears on WTN to explain the banking crisis, how it happened, how it’s being covered, and most importantly to start to answer the question, “Can we trust the American banking system with our money?” 

 

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

Starting, Growing, and Succeeding as a Small Business with Dean Diehl (Part 1)

Usually The Investor Coaching Show covers topics about investing and planning for a time in your life when you come to the end of your career. In this two-part episode, Paul wants to talk about starting, growing, and succeeding as a small business. Paul invites former Sony executive and business professor Dean Diehl onto the show to talk about his new book Crawl, Walk, Run. Listen along as the two talk about how small business owners can safely test small business ideas, transition into full-time work that meets the real needs of their community, and become profitable and successful for the long-haul.

 

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

Corporate Landlords Hurting Investors and Tenants

Paul shares a clip about corporate landlords negatively affecting real estate markets and the disastrous effects this can have on tenants and real estate investors. Listen along as Paul shares just how harmful real estate investing can be when it gets out of control. Later in the episode, Paul talks about investors falling over Tesla stock again and why stock picking and emotional investing never seems to go away. 

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

Having a Safer Income Through Diversification

This week Paul works with an investor to help them understand why the performance of the S&P 500 over the last five years is not directly related to a safe income in retirement. Listen along as Paul explains the sequence of returns risk and how investors can have a safer retirement income through diversification. Later in the episode, Paul talks about “making a lock box” for social security and the new bill called the Social Security and Medical Lock-Box Act. 

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

The Senate Decides ESG Shouldn’t Be in Federal 401(k)s; Biden Disagrees

The battle around ESG products is heating up. It centers around whether or not the products can be in the best interest of investors planning for retirement and how the products fit into the larger American conversation around climate change, energy use, and capitalism. Last week, the Senate voted to overturn a Labor Department rule allowing ESG products in 401(k)s, and Biden vows to veto. Listen as Paul and Anne share about why they believe ESG products serve neither the companies nor investors. Later in the episode, Paul and Anne talk about advocating for yourself as the lower earner in a divorce and a workshop Anne is hosting next month for women about women and wealth.

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.

If You’re So Smart, Why Aren’t You Rich? A Look at the IQs of CEOs

At some point in your life, you’ll likely hear that either someone is wealthy because they’re smart or that someone is struggling with money because they lack intelligence. A listener sends Paul an article that looks at income and intelligence of CEOs. Paul explains why intelligence is diverse and hard to measure and shares the skills that most people agree make you more effective and successful in the workplace. 

Get a copy of our new book, Confident Financial Planning, at paulwinkler.com/book.