RBS 146: Why Dave Ramsey's 8% Retirement Withdrawal Is So Dangerous (Hint: Sequence of Returns Risk)

The Rob Berger Show

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Mind The Business: Small Business Success Stories

1
Pushing Past Stagnation & Business Plateaus 30:21

10 days ago30:21

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30:21

Hitting plateaus is a common milestone in business, but there’s a difference between stability and a rut. In the last installment of this season, we’ll dive into the ways small business owners push beyond plateaus and find new ways to achieve revenue growth. Jannese and Austin wrap up their time in Nashville, Tennessee with a wonderful visit to N.B. Goods to speak with owner Camille Alston . Camille details the times where she hit a wall with profits, the strategies she implemented to increase revenue, what worked, what didn’t, and the important lessons she learned in the process. You won’t want to miss this informative final chapter! Learn more about how QuickBooks can help you grow your business: QuickBooks.com See omnystudio.com/listener for privacy information.…

about a year ago 14:09

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This is a follow-up to my episode on Dave Ramsey's belief that retirees can start with an 8% withdrawal rate, adjust the amount each year by inflation, and be perfectly fine in retirement. The problem that Dave seems to have overlooked is what is known as sequence of returns risk.
In his analysis, he uses average market returns and average inflation. But nearly 30 years ago Bill Bengen debunked this approach in a 1994 paper. The problem is that two retirees can enjoy the same average returns and inflation yet have two very different results. How?
Sequence of returns. If one retiree enjoys strong markets and low inflation in the first decade of retirement, their financial results may indeed support a higher initial withdrawal rate. In contrast, if the second retiree suffers through bad markets and high inflation during the first decade, they could run out of money using an 8% withdrawal rate in as little as 10 years.
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The Rob Berger Show

RBS 146: Why Dave Ramsey's 8% Retirement Withdrawal Is So Dangerous (Hint: Sequence of Returns Risk)

The Rob Berger Show

24 subscribers

published about a year ago

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207 episod

#Trading #Business News #Business #Podcasting Education #News #Self-Improvement #Rob Berger

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The Rob Berger Show

1
RBS 207: Should We Do a Roth Conversion Now? (FQF) 34:07

2 days ago34:07

34:07

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 ProjectionLab: https://go.robberger.com/projectionla... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 206: Is Now a Good Time to Start Investing? (FQF) 18:54

9 days ago18:54

18:54

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 allocation? 6. What is your opinion of using T-bills for cash instead of CDs or bonds? Investment Tracking Tool: https://www.bogleheads.org/forum/view... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 205: A Smarter Way to Model TIPS Ladders in Retirement Planning Software 17:10

11 days ago17:10

17:10

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 as pension income. We'll look at it in both Boldin and ProjectionLab. Boldin: https://go.robberger.com/boldin/yt-ti... ProjectionLab: https://go.robberger.com/projectionla... (use code RBERGER-10 for a 10% discount) TIPSLadder: https://www.tipsladder.com/ Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 204: Savings Account vs Bond Fund (FQF) 21:34

16 days ago21:34

21:34

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? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 203: Traditional vs Roth 401k: The Optimal Strategy 11:55

20 days ago11:55

11:55

Choosing between traditional and Roth 401k contributions is difficult. It forces us to make a guess about our taxes years or even decades from now. In this video, we'll discuss some of the factors that can affect this decision. And then, I'll share one strategy that may make the decision much easier. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 202: Could Fake Inflation Data Destroy the Value of TIPS? (FQF) 26:36

23 days ago26:36

26:36

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 Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 201: Here's When Social Security Runs Out of Money 17:07

25 days ago17:07

17:07

According to the latest report from the Board of Trustees of Social Security, it will become insolvent in 2033. Without money in the trust fund to bolster tax receipts. The Social Security Administration will only be able to pay out 79 cents on the dollar in benefits. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 200: 9 Retirement Planning Mistakes You May Be Making 18:41

27 days ago18:41

18:41

Retirement planning requires that we make a lot of assumptions about the future. From all of these assumptions and other data, most software spits out a "Chance of Success." That number can make the future appear more certain than it is. In fact, many people make some big mistakes with their retirement plans. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 199: Should You Build a TIPS Ladder in Retirement? (FQF) 28:15

4 weeks ago28:15

28:15

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? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 198: 3 Financial Apps Worth Paying For in Retirement (FQF) 27:33

5 weeks ago27:33

27:33

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 criticism of Boldin justified? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 197: 7 Golden Rules of Retirement Withdrawal Strategies 25:32

6 weeks ago25:32

25:32

Retirement withdrawal strategies are about a lot more than just the 4% rule or safe withdrawal rates. To better understand how they work and how you can apply them to your retirement, this video walks through 7 rules I follow when it comes to spending down your investments in retirement. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 196: Are Dividends Guaranteed Income? (FQF) 23:15

6 weeks ago23:15

23:15

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 insurance: https://www.wsj.com/personal-finance/... Fidelity Alternative Investments: https://www.fidelity.com/go/alternati... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 195: How to Invest During Economic Chaos: Tariffs, DOGE & Deficit Concerns 15:27

7 weeks ago15:27

15:27

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 Stay the Course: https://amzn.to/4hq4HOh 150 Years of Stock Market Crashes: https://www.morningstar.com/economy/w... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 194: How to Hire A Financial Advisor (FQF) 26:30

7 weeks ago26:30

26:30

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 mentioned in the video: Boldin: https://go.robberger.com/new-retireme... ProjectionLab: https://go.robberger.com/projectionla... List of Low Cost Advisors: https://robberger.com/low-cost-financ... My newsletter signup: https://robberger.com/newsletter/ Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 193: My Portfolio Update And Changes to the Investment Tracking Spreadsheet (March 2025) 18:51

8 weeks ago18:51

18:51

In this video, I'll share with you my current investment portfolio, including a big change I made in our traditional retirement accounts. I'll also share an update to my free investment tracking spreadsheet. https://robberger.com/investment-trac... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 177: Is a 100% Stock Portfolio in Retirement Best? (FQF) 20:36

19 weeks ago20:36

20:36

In this Five Question Friday (FQF), we'll be tackling the following viewer questions: 1. Is a 100% stock portfolio the best option during retirement? 2. How does the 5-year rule on Roth conversions work? 3. Should long-term investors invest in bonds? 4. How do backdoor Roth IRA conversions work? 5. What are my favorite personal finance books to give as gifts during the holidays? Resources Mentioned in the Video: Retire Before Mom and Dad: https://amzn.to/3OQL0DA Big ERN's response: https://earlyretirementnow.com/2024/0... SWR Toolbox: https://earlyretirementnow.com/2018/0... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 176: Retirement Planning With A Younger Spouse (Five Question Friday) 20:46

20 weeks ago20:46

20:46

In this week's Five Question Friday, we look at several important retirement planning questions: 0:00 - Intro 0:45 - Should our asset allocation change if we have a much younger spouse? 7:45 - Should a pension represent the bond portion of a portfolio? 10:30 - What types of ETFs should go in taxable accounts versus retirement accounts? 14:13 - Should we prefer Roth conversions over investing in a taxable account? 17:31 - Should we prefer Roth conversions if we plan to use the money for long-term care? Boldin: https://go.robberger.com/new-retireme... Pralana: https://go.robberger.com/pralana/yt-fqf Projection Lab: https://go.robberger.com/projectionla... Open Social Security: https://opensocialsecurity.com/ Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 175: Pralana vs Boldin: How Two Popular Retirement Planning Tools Compare 45:24

21 weeks ago45:24

45:24

I've been using Pralana Online over the past month. It's a retirement planning tool that, for a long time, was available as a spreadsheet. It's now available as an online app. In this video, I take a high-level look at Pralana and compare it to Boldin, formerly New Retirement. Pralana: https://go.robberger.com/pralana/yt-p... Boldin: https://go.robberger.com/new-retireme... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 174: Navigating Portfolio Visualizer's New Design and a Free Alternative 9:14

22 weeks ago9:14

9:14

One of my favorite tools, Portfolio Visualizer, just launched a new design. In this video, I'll show you how to navigate the changes. Unfortunately, one change is to limit the amount of backtesting data you have access to in the free version. I'll show you a free alternative. Portfolio Visualizer: https://www.portfoliovisualizer.com/ Test Folio: https://testfol.io/ Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 173: Lump Sum vs Pension--What is the 6% Rule (Five Question Friday) 20:34

22 weeks ago20:34

20:34

Welcome to the first episode of Five Question Friday (FQF). I'll answer five questions from past live shows that we didn't get to. Today, we're covering the following questions: 1. Is the 6% Rule on Lump Sum vs Pension Reasonable? 2. What will my stock/bond allocation be when I reach 65? 3. How do you decide between a Roth Conversion and 0% Capital Gains Harvesting? 4. What's the best credit card for travel? 5. Should an early retiree pay off their low-rate mortgage? Kitces Article: https://www.kitces.com/blog/navigatin... CFPB Pension Article: https://files.consumerfinance.gov/f/2... Fidelity Pension Article: https://www.fidelity.com/learning-cen... Travel Credit Cards: https://www.allcards.com/travel-rewar... Cash Back Credit Cards: https://www.allcards.com/best-cash-ba... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 172: Vanguard's $40M Class Action Settlement: Here's Your Potential Payout 10:29

22 weeks ago10:29

10:29

Vanguard has reached a proposed settlement in the class action lawsuit related to the 2021 distribution of capital gains in its target date retirement funds. Here's how much each claimant may be entitled to receive. Proposed Vanguard Settlement: https://drive.google.com/file/d/1gBIQ... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 171: The Optimal Order to Fund Retirement Accounts 11:53

23 weeks ago11:53

11:53

We can save for retirement through at least four different account types: (1) 401(k) and other workplace retirement accounts, (2) IRAs, (3) HSAs, and (4) taxable accounts. Some can also use a mega backdoor Roth 401(k). In this video, I walk through one optimal approach to prioritizing which accounts to contribute to first. Here's a related article that I wrote on the topic: https://robberger.com/the-optimal-ord... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 170: The Pros and Cons of Building a TIPS Ladder for Retirement Income 16:52

23 weeks ago16:52

16:52

A TIPS ladder is just one way to generate income during retirement. We'll look at two scenarios where a TIPS ladder may make sense, and then discuss the pros and cons. TIPS Ladder: https://www.tipsladder.com/ Four Easy Steps to Build a TIPS Ladder: https://www.advisorperspectives.com/a... Schwab Annuity Pricing Tool: https://www.schwab.com/annuities/fixe... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 169: What Is The True Cost of a 1% AUM Investment Fee? 13:28

25 weeks ago13:28

13:28

When evaluating fees charged by investment advisors, should we look only at the actual dollars spent, or should we evaluate the long-term effect these fees have on our wealth? That's the question I address in this video. Kitces Article: https://www.kitces.com/blog/financial... My Response: https://robberger.com/how-should-we-e... Hourly and Flat Rate Advisors: https://robberger.com/low-cost-financ... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 168: Vanguard Is Selling Your Retirement Plan (@#$@!!) 10:17

26 weeks ago10:17

10:17

Vanguard has announced that it is selling 280,000 small business retirement plans to Ascensus. The transaction covers individual 401(k) plans, sometimes called Solo 401(k)s, Multi-SEP IRAs, and Simple IRAs, but not individual SEP IRAs. Here's my take on what's going on, your options, and what this means for Vanguard. Press Release: https://www.prnewswire.com/news-relea... Ascensus Fees: https://www.ascensus.com/solutions/re... Fidelity Solo 401(k): https://www.fidelity.com/retirement-i... Schwab Solo 401(k): https://www.schwab.com/small-business... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 167: Fed Chair Powell Just Taught A Masterclass On Investing 9:12

26 weeks ago9:12

9:12

In brief remarks, Federal Reserve Chairman Jerome Powell all but took an interest rate cut in the near term off the table. In doing so, he taught us a very important lesson about investing. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

The Rob Berger Show

1
RBS 166: Fidelity Hacked--Here's How to Protect Your Accounts 11:45

27 weeks ago11:45

11:45

Fidelity recently disclosed that its computer systems were breached and that the personal data of more than 77,000 customers were accessed. here's what happened and some ways we can protect ourselves. News of hack: https://www.investmentnews.com/indust... Massachusetts: https://www.mass.gov/doc/data-breach-... Maine: https://www.maine.gov/agviewer/conten... New Hampshire: https://mm.nh.gov/files/uploads/doj/r... Sample Fidelity letter: file:///Users/robberger/Downloads/Sample_Letter.pdf Class Action Lawsuit: https://www.investmentnews.com/indust... Fidelity's Lockdown Feature: https://www.bogleheads.org/forum/view... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 165: Taxes and the 4% Rule: Tax-deferred vs. Roth vs. Taxable 14:56

28 weeks ago14:56

14:56

Does the 4% Rule apply in the same way to tax-deferred, tax-free, and taxable accounts? And how should one consider the different tax treatments of these accounts when coming up with a safe spending plan in retirement? I'll cover these questions in today's video. Bengen's 1996 Paper: https://www.financialplanningassociat... Bengen's 1997 Paper: https://www.financialplanningassociat... New Retirement: https://go.robberger.com/new-retireme... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 164: S&P 500 Index Concentration at 50-Year High | What Should Investors Do? 15:32

29 weeks ago15:32

15:32

Today, the top 10 companies in the S&P 500 Index account for more than 33% of the index. That's the largest concentration we've seen in 50 years. In this video we'll cover three things: 1. Just how significant is the concentration? 2. Does it tell us anything about future returns? 3. What, if anything, should we do about the concentration. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 163: How to Estimate Future Returns in Retirement 29:01

29 weeks ago29:01

29:01

Our retirement plan's chance of success depends a lot on assumptions we make about future investment returns. In this video, I walk through my approach to this issue. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

The Rob Berger Show

1
RBS 192: Should You Reduce Your Stock Exposure for Today's Market Valuations: 60/40 vs 40/60 17:16

8 weeks ago17:16

17:16

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.vanguard.com/conten... Bogleheads Forum Post: https://www.bogleheads.org/forum/view... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 191: The Bond Funds I Use To Protect My Retirement Portfolio (FQF) 27:00

8 weeks ago27:00

27:00

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? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 190: Warren Buffett Just Dumped Berkshire's S&P 500 Index Funds. Should we? 10:17

9 weeks ago10:17

10:17

Warren Buffett recently sol 100% of the two S&P 500 index funds Berkshire Hathaway owned, including Vanguard's VOO. In this video, we'll look at whether we should too. News Article: https://www.investors.com/etfs-and-fu... Berkshire's Stock Holdings: https://www.dataroma.com/m/holdings.p... Berkshire's Net Stock Sales: https://x.com/dividend_data/status/18... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 189: These Fidelity Funds Beat a Vanguard 3-Fund Portfolio (FQF) 35:07

10 weeks ago35:07

35:07

Welcome to another edition of Five Question Friday (FQF). Here are the 5 questions: 1. Can one Fidelity fund beat the Vanguard 3-fund portfolio? 2. How do expense ratios work with fund of funds? 3. Concerning the 4% rule, which I believe the analysis runs out for 30 years, if someone starts to take a yearly percentage out of their portfolio at a later age, say in their mid-70s, can the starting point of 4% be safely increased, and to what? 4. How to Track a Complicated Portfolio 5. What should we make of Vanguard's paper that indicates a better asset allocation for retirement income is a majority of bonds (like 40% equities, 60% bonds!) as opposed to long-established portfolios that are more like 60/40 in favor of equities. Even Bill Bengen didn't recommend going below 50% equities, right? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 188: ProjectionLab Review (w/ Updates and Promo Code) 27:32

11 weeks ago27:32

27:32

Get 10% off the cost of ProjectionLab with promo code RBERGER-10 using this link: https://go.robberger.com/projectionla... . In today's video, we'll look at the following features of ProjectionLab: 1. Export/Import Data 2. Income/Expense 3. Tax Analytics 4. Drawdowns 5. Bond Allocation Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 187: SEC Fines Vanguard $106.41 Million Over Target Date Fund Snafu 7:36

13 weeks ago7:36

7:36

Today, the SEC announced a $106.41 million settlement with Vanguard following moves Vanguard made in 2020 that resulted in excessive capital gains distributions to retail investors. In this video, I'll walk through the settlement order and what it means to investors. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 186: A Simple Way to Leave Your Financial Advisor to Invest On Your Own Without Fear (FQF) 27:09

14 weeks ago27:09

27:09

In today's episode of Five Question Friday (FQF), we start with a strategy you might consider if you want to leave your expensive financial advisor but you are afraid of going it alone. Here are all the questions in today's show: 1. How to leave your financial advisor 2. TIPS ladder vs BND 3. Are Target Date Funds a Reasonable Option 4. If a person has over $250,000 in a Fidelity account, should they open up another account - say with Vanguard, Schwab, M1 Finance, or perhaps another brokerage - elsewhere as well? 5. How do we rebalance assets in Boldin? If we enter a 60/40 portfolio today, after a few years, it turns into 80/20, which means the software is not rebalancing automatically.2. For the BND fund, what rate of return will you use? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 185: Are Investment Banks Worth the High Fees? FQF 21:48

15 weeks ago21:48

21:48

We start this week's Five Question Friday (FQF) with a question about whether a 2% investment fee is crazy. Here are the five questions: 1. Am I crazy to be paying a 2% fee to manage my investments at Morgan Stanley? 2. Can you analyze 100% BND versus 50% BND and 50% VIPSX. 3. In Boldin, what are you setting as projected returns? 4. How should I invest if I don't need the money in retirement? 5. Is direct indexing worth the cost and complexity? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 184: 13 Must-Do Financial Steps To Take Five Years Before You Retire 18:14

15 weeks ago18:14

18:14

With five years to go before retirement, there are several steps you can and should take to prepare. In this video, I'll cover 13 things to consider as your retirement date draws closer. Resources mentioned: Boldin: https://go.robberger.com/new-retireme... Tiller: https://go.robberger.com/tiller/yt-5-... Rocket Money: https://go.robberger.com/rocket-money... Lunch Money: https://go.robberger.com/lunch-money/... Vanguard Asset Allocation: https://investor.vanguard.com/investo... Open Social Security: https://opensocialsecurity.com/ Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 183: 2025 Annual Portfolio Review Checklist 21:13

16 weeks ago21:13

21:13

At least once a year it's important to review your investment portfolio and make any necessary adjustments. Here are the 10 things I check every year: 1. Write down your planned asset allocation 2. Compare your actual allocation to your plan 3. Evaluate individual holdings 4. Evaluate your asset location 5. Confirm you have beneficiaries listed for each account 6. Check your performance for the past year 7. Check for excessive stock concentration 8. Evaluate your advisor relationship & fees 9. Make sure you have 2FA on all financial accounts and email 10. Evaluate if you can simplify your portfolio Resources Empower: https://go.robberger.com/empower/yt-y... Investment Tracking Spreadsheet: https://robberger.com/investment-trac... Morningstar: https://www.morningstar.com/ ETF Overlap Tool: https://www.etfrc.com/funds/overlap.php Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

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1
RBS 182: The Case Against After-Tax Asset Allocation (FQF) 25:07

16 weeks ago25:07

25:07

Welcome to this week's edition of Five Question Friday. Here are the questions we'll be covering today: 1. Should you include the value of your home in your asset allocation? 2. Should we tilt our portfolio to 10% SCV? 3. After-Tax Asset allocation 4. Tips Ladders vs ETFs: If for example we had 500k for our fixed assets portion of our portfolio, what are your thoughts on building multiple TIPs ladders with all 500k to meet our retirement goals vs. a more diversified mixof t-bills, CDs, Agency, Corporate, and TIPs? I am leaning toward the more "diversified mix." 5. Roth conversions and Rate of Return Assumptions Resources: Boldin: https://go.robberger.com/new-retireme... Bolgeheads' Wiki: https://www.bogleheads.org/wiki/Tax-a... Reichenstein Article: https://www.financialplanningassociat... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 181: Is The New Safe Withdrawal Rate 3.7%? 23:48

17 weeks ago23:48

23:48

Morningstar recently released its annual State of Retirement Income report. According to its calculations, the new safe withdrawal rate is 3.7%. The report offers some excellent data and analysis that can help us as we build our retirement income strategy. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 180: 9 Questions I Get Asked Almost Every Day About Investing 36:44

18 weeks ago36:44

36:44

Over the past four years I've received tens of thousands of questions about investing from viewers. I've assembled 9 of the most frequently asked questions in this video. Here they are: 1. Should you pay off debt or start investing? 2. How do I get started investing? 3. Is 100% stocks a reasonable portfolio? 4. S&P 500 vs Total Stock Market Index 5. Why do I need international stocks? 6. Should I invest in Bitcoin? 7. How do you know when you can retire? 8. Lump Sum vs DCA 9. How can I increase my savings rate? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 179: Should We Wait for a Market Crash Before Investing? (FQF) 24:46

18 weeks ago24:46

24:46

Welcome back to another edition of Five Question Friday. For this FQF, we cover the following five questions: 1. Should we wait to invest until stock valuations come down? 2. Does it matter if we pay the tax on a Roth conversion from a taxable account? 3. Are dividend stock ETFs a reasonable alternative to bonds? 4. Why is the 3 bucket portfolio so popular? 5. Should are planned spending in retirement be based on a percentage of our pre-retirement income? Best retirement planners: https://robberger.com/best-retirement... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

The Rob Berger Show

1
RBS 178: Boldin vs. Pralana vs. ProjectionLab: Chance of Success Comparison 16:08

19 weeks ago16:08

16:08

Do retirement planning tools calculate the same chance of success if given the same retirement plan? That's what I wanted to know, so I compared Boldin, Pralana and ProjectionLab. The results shocked me. Boldin: https://go.robberger.com/new-retireme... Pralana: https://go.robberger.com/pralana/yt-c... ProjectionLab: https://go.robberger.com/projectionla... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…

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