The Rob Berger Show

The Center for Retirement Research at Boston College recently surveyed financial advisors, asking what the major risks were to their clients' retirement. In this video, we'll look at the top 5 risks financial advisors identified, and compare them to the five biggest risks according to retirees.

Here's the study: https://crr.bc.edu/wp-content/uploads...

ProjectionLab (Use Code RBERGER-10 for a 10% di...

Here are today's Five Question Friday (FQF):

1. Are financial apps safe?
2. Can you help me understand the risk of bonds?
3. How are mutual fund dividends taxed?
4. How should we think about annuities for retirement income?
5. Does Ben Felix hate index funds?

Ben Felix video:    • The Problem With Index Funds 

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Here are the five questions we'll cover in this week's edition of Five Question Friday:

1. Is now a good time to do a Roth conversion? (John)
2. Mutual Funds vs ETFs (Shane)
3. Should we invest more in international stocks? (Phil)
4. Is Gold a hedge against inflation? (Cathy)
5. Has 2025 wrecked our retirement plans? (Doug)

Resources

Boldin: https://go.robberger.com/boldin/yt-fqf...

Welcome to another edition of Five Question Friday (FQF). We actually have 6 questions today plus a free investment tracking tool:

1. Do I send Facebook friend requests to viewers?
2. Is this a good time to start investing?
3. Is rebalancing in volatile times just market timing?
4. If following the 4% rule, should the amount you pay in taxes be included?
5. Should an emergency fund be part of your asset all...

A viewer named John emailed me the following question: "I'm planning to build a 5yr TIPS ladder to provide some inflation protected income in the years before Medicare and SS.  How do I model that "account" in Boldin??"

It's a great question, and it gives us the opportunity to look at an often overlooked feature of retirement planning software--pension income. Yes, a TIPS ladder can be modeled...

Here are the questions for this week's Five Question Friday (FQF):

1. Are savings accounts better than bond funds?
2. Can you please explain nominal and real returns?
3. Does it matter if the market is up or down if you do a Roth conversion?
4. Will I be taxed twice on reinvested dividends?
5. Do you really need more than one broker?

Bonus Question: What camera and mic are you using?

...

Welcome to another edition of Five Question Friday (FQF). Here are the five questions we'll cover:

1. Will fake inflation data destroy TIPS?
2. How should a pension affect your asset allocation?
3. Do advisors really add 3% to your returns?
4. TIPS Ladder vs TIPS Fund
5. Investing in a Roth vs Traditional Retirement Account

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Welcome to Five Question Friday! Here are the questions we'll cover in today's video:

1. Should You Build a TIPS Ladder in Retirement?
2. Are Vanguard's LifeStrategy Funds a Reasonable Choice in Retirement?
3. Is the 40/60 Portfolio the New 60/40 Portfolio?
4. How many investment brokers do I use?
5. How to rebalance across different account types?

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In today's Five Question Friday (FQF), we tackle these five fantastic questions:

1. What financial apps are worth paying for in or near retirement?
2. How do you enter money market funds into your investment tracking spreadsheet?
3. Is it safe to link accounts to apps?
4. Can you comment on Bill Bernstein's comment that if you've won the game, stop playing?
5. Is Larry Kotlikoff's critic...

In today's Five Question Friday (FQF), we have five more great questions sent in by viewers:

1. Should we think of dividends as guaranteed income?
2. Should we invest in our HSA the same way we invest in our Roth IRA?
3. How should you pay tax on a Roth Conversion?
4. Should you get long-term care insurance?
5. Should our investing strategy change as our wealth rises?

WSJ Article on LTC insura...

In this video, I'll describe my approach to investing in uncertain times. To do so, I'll enlist the help of the D.C. subway system, Sir Isaac Newton, and the 1970s.

The 60/40 Solution: https://www.safalniveshak.com/wp-cont...
Sir Isaac Newton Paper: https://www.sfu.ca/~poitras/cjh_newto...
The Telegraph Article: https://www.telegraph.co.uk/news/ukne...
Stocks for the Long Run: https://amzn.to/4hyy0hz<...

In today's Five Question Friday (FQF), we cover the following:

1. Some thoughts on how to hire a financial advisor
2. Whether to consider Medicare premiums in your Roth conversion analysis
3. How Social Security should affect our asset allocation in retirement
4. How variable income should affect how we invest
5. Whether I sold U.S. stocks to buy International stocks this year.

Resources menti...

With stock valuations near all-time highs in the U.S., many people are asking whether we should reduce or exposure to stocks. In fact, a recent Vanguard market outlook report concluded that a typical 60/40 retirement portfolio may be too rich, and that a 40/60 portfolio is a better option in this valuation environment.

This video is my take on all of this.

Resources:

Vanguard Report: https://corporate.van...

Welcome back to another edition of Five Question Friday (FQF). Here are today's questions:

1. What bond funds do I use in my portfolio?
2. Do you really need an emergency fund?
3. How does living off interest work with Bengen's 4% rule? 
4. How to track money market funds in my investment tracking spreadsheet?
5.  Are money market funds better than intermediate-term bond funds?

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