Talking Real Money - Investing Talk Podcast Por Don McDonald arte de portada

Talking Real Money - Investing Talk

Talking Real Money - Investing Talk

De: Don McDonald
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Financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).2022 Economía Finanzas Personales
Episodios
  • Ready for a Few As

    Ready for a Few As
    Sep 5 2025
    In this Friday Q&A edition, Don fields listener questions on rolling over a large 401(k) after a layoff, whether IRA money should ever be used to buy real estate, Vanguard’s new active ETF offerings, choosing between Vanguard and Schwab 2035 target-date funds, and whether to treat a foreign apartment purchase as part of an investment portfolio. Along the way, he highlights diversification benefits, cautions against high-cost self-directed IRAs, and emphasizes that homes are assets but not investments. 0:04 Friday intro, royal “we,” and reminder on how to submit questions 1:42 Scott from Louisiana: rolling over a $1M retirement account after layoff 4:07 Scott’s follow-up: using IRA funds to buy real estate 5:42 Caller asks about Vanguard’s new active ETFs and why indexes still win 8:02 Sylvia from Connecticut: comparing Vanguard vs Schwab 2035 target-date funds 11:12 Caller from Colombia: whether to factor a paid-off foreign apartment into portfolio allocation Learn more about your ad choices. Visit megaphone.fm/adchoices
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    17 m
  • Passive Bubble?

    Passive Bubble?
    Sep 4 2025
    Don and Tom dismantle the “passive bubble” trope, walk through Morningstar’s active/passive scorecard (great one-year anecdotes vs brutal long-run stats), and recap the steady shift of investor dollars toward indexing. A caller tries to drag the show into politics via data independence (BLS/Fed), prompting a level-headed reminder that markets price reality over rhetoric. The TSP’s revamped I Fund gets kudos for finally adding emerging markets (with a nudge to pair it with value tilts outside TSP). Two meaty segments cover long-term care: costs, weak benefits on traditional policies, when hybrids can make sense, and why many households effectively self-insure or rely on Medicaid as the backstop. Another caller asks about Die With Zero; verdict: great mindset—if your plan already covers worst-case needs. 0:05 Holiday opener, calls invite, “passive is a bubble?” setup 2:06 Is price discovery “broken” if money flows to index funds? 2:40 Active still >50% of U.S. fund assets; global passive ≈20% AUM 4:22 Morningstar barometer: 42% of active beat in 1-yr… so 58% didn’t 6:36 Long-run stats: 3-yr 17.7%, 5-yr 8.2%, 10-yr 2.5%, 15–20-yr ≈~1% of active beat 8:32 Flows: from 1 in 20 dollars passive (’97) to 1 in 2 today; costs matter 10:58 Caller (Sammamish): data independence, politics, rates, inflation risk; market effects vs reality 16:19 Inbox: TSP update—I Fund now includes EM; still thin on value/small tilts 18:32 Why add small/value (incl. intl); performance pops don’t change the case 22:26 Caller (LTC): traditional vs hybrid; math on premiums, caps, Medicaid backstop 26:37 Basic quote math: ~$1,900/yr at 60 for ~$150k cap; lump-sum hybrids trade-offs 29:10 Caller (Maya, Los Altos): Die With Zero—great if plan covers tail risks; most retirees can’t 34:38 Caller (Americus, GA): Mutual of Omaha pitch; self-insure debate; taxes/deductions misconceptions 38:55 Wrap: how to send questions; where to get advice Learn more about your ad choices. Visit megaphone.fm/adchoices
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    44 m
  • September Nonsense

    September Nonsense
    Sep 3 2025
    Don and Tom mark Labor Day weekend with a lively discussion of the so-called September Effect—Wall Street’s superstition about historically negative returns in September. They remind listeners that short-term market timing is a losing strategy and that knowing (not guessing) your risk tolerance and asset allocation matters most. The conversation ranges from Florida’s endless summer and biblical rains to ETF overload, collective investment trusts, tax quirks, and the futility of dodging volatility. Along the way, there’s humor about Costco, fertilizer, wrong numbers, and shameless plugs for Don’s LitReading podcast. 0:04 Labor Day banter, Florida heat, biblical rains, Asheville trip 2:12 September Effect explained—history and hype 4:41 Why you should know, not do, with your portfolio 6:15 Average September returns since 1928 and investor psychology 8:28 Market timing pitfalls and missing best days 10:28 Costco’s Jim Sinegal quote and life’s sugar vs. manure metaphor 12:29 Bogle wisdom: don’t peek at your portfolio 14:05 Listener correction: senior deduction phase-out details 19:14 Don plugs LitReading’s return with an O. Henry story 20:34 ETF explosion—4,300 funds in U.S., 12,000 worldwide 26:15 How to eliminate bad ETFs (fees, leverage, active management) 29:11 Don tests a new GPS analogy ad for Appella Wealth 31:12 Listener question on state tax burdens (California vs. Washington) 34:05 Call-in about 401(k) funds converting to CITs 37:19 CIT regulations, reporting, and transparency explained 39:39 Apple vs. Spotify podcast listener demographics Learn more about your ad choices. Visit megaphone.fm/adchoices
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    45 m
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If you like Clark Howard, you'll like this show. It's financial advice given in a calm, relaxed voice. With all of the yelling that goes on these days on radio and tv, it's refreshing to have voices that speak calmly on their subject.

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