Retirement Lifestyle Show with Roshan Loungani and Adrian Nicholson

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson discuss 10 ways to use SECURE Act 2.0 to your benefit. They cover topics like the latest RMD distribution rules, exciting changes in the new 529 plans, and the best tool for funding charitable giving.

[02:58] Biden Signs SECURE Act 2.0 Into Law

[04:42] What the SECURE Act 2.0 Means for Retirement Plans

[07:19] RMD Age Pushed to Age 73 Starting in 2023

[09:35] What to Expect from the New RMD Distribution Rules

[11:50] How the SECURE Act 2.0 Makes 529 Plans More Valuable

[13:06] How to Use and Get the Most Out of 529 Plans

[15:35] Exciting New Changes Coming To 529 Plans

[19:01] Advantages of Seeking Professional Financial Advice

[21:04] Understanding Employer-sponsored Retirement Accounts

[25:35] SECURE 2.0 Act and Student Loan Matching

[27:20] Retirement Planning Penalties to Avoid

[29:25] The Best Tool for Funding Charitable Giving

[32:02] The Retirement Savings Lost & Found Department

[34:47] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson discuss what investors can expect from the U.S. and global markets in 2023. They break down topics like the market outlook for 2023, the presidential election cycle theory, and the available opportunities in emerging markets.

[00:00] Introduction

[01:53] Market Outlook and Expectations For 2023

[04:53] Performance of the S&P 500 The Year Before an Election

[08:10] The Presidential Election Cycle Theory

[12:56] Remaining Uncertainty in 2023

[15:21] To What Extent are Things Priced In?

[18:16] Opportunities to Look Out For in Emerging Markets

[20:28] Factors Working in Favor of Emerging Markets

[24:18] Thoughts on Short-Term Government Bonds

[30:05] Bond Markets and Future Rates

[33:36] The Best Markets to Weather a Recession According to Blackrock

[35:02] How to Approach Mortgage-Backed Securities

[37:10] Undervalued Stocks and What to Expect

[44:10] 12 of the Best Income Investments For the New Year

[45:55] Municipal Bonds and Foreign Dividend Paying Stocks

[47:17] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson discuss what investors can expect from the U.S. and global economies in 2023. They break down topics like the downside of a prolonged low-interest rate environment, how the 2022 market lows will shape 2023, and what the Fed will do to keep up with inflation.

[00:00] Introduction

[02:21] 2022 Year in Review and 2023 Market Outlook

[04:01] Forecasting 2023's Inflation Rate

[07:08] Will 2023 Be a Fed-Driven Market?

[08:48] 2022: A Tale of Two Halves

[11:30] Inflation and the Labor Market

[14:45] 2022 Was The Worst Performing Economy in 40 Years

[17:28] Gen Z and Millennials Have Never Seen a 'Normal' Recession Before

[19:30] Indexed Approach to Investing

[21:40] What to Expect From a High-Interest Rate Economy

[24:04] Why Investors Will Favor Value and Quality Investing in 2023

[24:48] How Duration Affects Stocks and Bonds

[27:33] Will the Federal Reserve Pivot in 2023?

[33:10] Why Zero Percent Interest Rates Forever is Not a Good Thing

[37:10] The Global Outlook For the Economy

[39:57] How China's Foreign and Domestic Policies are Impacting Global Supply Chain

[42:15] Russia's War with Ukraine: What to Expect in 2023

[45:35] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani and Eric Olson break down high yield versus dividend growth investing and which one might be right for you. They discuss what they are, how you can potentially use them in your portfolio, and even ways to get the best of both worlds.

[00:00] Introduction

[02:57] Dividend Growth Versus High-Yield Dividend Investing

[04:58] When to Choose High Dividend Growth Investing

[06:24] Common Criticisms of High-yield Dividend Investing

[09:16] Payoffs From High-yield Investments

[12:42] Performance Comparison From the Two Investment Strategies

[16:22] The Role of Time and Timing When Investing

[19:00] Companies Doing More Stock Buybacks Than Dividend Payoffs

[22:30] What is Shareholder Yield?

[24:15] Understanding the Enterprise Value of a Business

[27:05] Eric and Roshan’s Debate: Yield or Growth - Which Is Right for You?

[34:58] Why Being a Forced Seller is the Ultimate Worst Thing For Investors

[37:00] The Big Question: Income Versus Growth in a Portfolio

[43:30] The Pros and Cons of the Two Strategies For a Retiree

[48:02] Tips for Individual Investors

[50:32] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson each share their top 3 podcast episodes for 2022. From engrossing interviews, nut companies impacting communities in Africa, to assessments of the investment markets, these episodes tell the story of 2022.

[00:00] Introduction

[03:07] Episode 126: Stopping Forced Labor in the Solar Panel Industry with Reginald Smith

[05:20] Episode 123: Bullish or Bearish?

[08:23] Episode 127: Covered Calls Explained

[09:35] Episode 101: From Success to Significance with Sunshine Nut Company’s Donald Larson

[12:06] The Inspiring Story of Sunshine Nuts

[13:30] Episode 105: Modern Monetary Theory with Luigi Zingales and Bethany McLean

[14:51] The Most Popular Episode of 2022

[17:09] Episode 119: 8 Strategies to Take Advantage of Market Declines

[20:11] Episode 106: How Does War Impact the Stock Market?

[23:56] Energy Markets and the U.S. Selling Oil from the Strategic Petroleum Reserve

[25:49] Episode 142: What History Tells Us about Today’s Economy and Markets

[29:46] Episode 132: How to Improve Investment Performance

[31:00] Parting thoughts

Episode Links

Episode 126: Stopping Forced Labor in the Solar Panel Industry with Reginald Smith: https://retirementlifestyleshow.com/stopping-forced-labor-in-the-solar-panel-industry-with-reginald-smith/

Episode 123: Bullish or Bearish? https://retirementlifestyleshow.com/bullish-or-bearish/

Episode 127: Covered Calls Explained: https://retirementlifestyleshow.com/covered-calls-explained/

Episode 101: From Success to Significance with Sunshine Nut Company’s Donald Larson: https://retirementlifestyleshow.com/from-success-to-significance-with-sunshine-nut-co-don-larson/

Episode 105: Modern Monetary Theory with Luigi Zingales and Bethany McLean: https://retirementlifestyleshow.com/modern-monetary-theory-with-luigi-zingales-and-bethany-mclean/

Episode 119: 8 Strategies to Take Advantage of Market Declines: https://retirementlifestyleshow.com/8-strategies-to-take-advantage-of-market-declines/

Episode 106: How Does War Impact the Stock Market? https://retirementlifestyleshow.com/how-does-war-impact-the-stock-market/

Episode 142: What History Tells Us about Today’s Economy and Markets: https://retirementlifestyleshow.com/what-history-tells-us-about-todays-economy-and-markets/

Episode 132: How to Improve Investment Performance: https://retirementlifestyleshow.com/how-to-improve-investment-performance/

Check out the Retirement Lifestyle Show Website, Retire with Roshan website, the Retire with Roshan Facebook page, Roshan's Twitter, Roshan's LinkedIn, Erik's LinkedIn, and Adrian's LinkedIn.

All opinions expressed by podcast hosts and guests are solely their own. While based on information that they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only, and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

It’s “Bring Your Own Topic Day” on the Retirement Lifestyle Show. In this episode, Roshan Loungani, Eric Olson, and Adrian Nicholson discuss topics they feel would benefit the audience’s investment decisions. They talk about Fundamental vs Technical analysis of stocks, the high-yield spread, and what to consider when buying US Treasury Bonds.

[00:00] Introduction

[01:53] How to Find What Stocks to Buy and When to Buy

[03:21] Fundamental vs Technical Analysis of Stocks

[05:40] Understanding Moat Investing

[08:44] Fundamental Analysis Advantages and Disadvantages

[11:19] Technical Analysis of Stocks

[14:46] Pros and Cons of Technical Analysis

[18:12] The High Yield Spread

[20:52] Recovery: The Small-Cap Value Come Back

[24:13] Why Retail Investors Pay Attention to Stocks and not Bonds

[28:18] Profitable Investing is Not About Being Right All the Time

[30:09] Opportunities in the Small-Cap Space

[32:08] Things to Consider When Buying US Treasury Bonds

[37:13] What are Tax-Exempt Bonds

[39:28] Breaking Down the November Inflation Report

[42:58] Thoughts on the Fed, Inflation, and Markets

[47:30] What Happens When the Fed Pivots

[49:20] Don’t Fight the Fed

[51:02] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson perform an honest on-air critique of one of the listener's portfolio. They break down what the client did right, the changes he should make, and the major transitions he should consider to safeguard his retirement.

[00:00] Introduction

[01:16] Introducing Today's Client Portfolio

[04:26] What's in This Client's Portfolio

[06:55] The Risk of Being forced to Sell in a Down Market

[09:34] Investment Risk is Never Stagnant

[13:45] Large-Cap vs Small-Cap Stocks in This Client's Portfolio

[16:40] How to Effectively Hedge Your Portfolio

[19:41] Tools to Use When Assessing a Person's Portfolio

[23:19] How to Invest in the Profitability or Quality Factor

[25:00] What is a Covered Call and How Does it Work?

[27:20] Taxation Issues You Must Consider When Investing

[30:10] General Review of This Client's Portfolio

[31:48] Why It's Evident That the Client Has a Lot of Confidence in Himself

[33:10] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson break down the differences between active and passive investing. They discuss how investors can choose the right strategy for their portfolio, the impact of the Fed's zero interest rate policies, and performance differences between active and passive investing.

[00:00] Introduction

[03:47] Active Versus Passive Investing

[06:35] What is Passive Investing?

[08:44] Breaking Down the Basics of Active Investing

[11:01] Factor-based Investing

[14:38] Active Management of a Portfolio and Why It's Important

[17:35] Exploring and Owning Equities Worldwide

[19:25] Performance Differences Between Active and Passive Investing

[20:18] Benefits of Passive Investing

[25:41] Disadvantages of Passive Investing

[29:01] Data on the Difference Between Active and Passive Investing

[34:08] Active vs. Passive Investing: Risk-Return Differences in Bonds

[37:37] Impact of the Fed's Zero Interest Rate Policies

[40:58] How to Choose What's Best For You

[44:20] Understanding ESG and Values-Based Investing

[47:20] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson break down the dos and don'ts of tax loss harvesting. They discuss the benefits of tax loss harvesting, times when tax loss harvesting makes sense, and the mechanics of the wash sale rule.

[00:00] Introduction

[02:25] What is Tax Loss Harvesting

[04:08 Benefits of Tax Loss Harvesting

[07:40] The two types of tax rates available in the US

[10:50] Factors Affecting Tax Loss Harvesting

[12:51] Addressing Unrealized Losses in a Non-Qualified Account

[17:10] How Are Capital Gains Vs. Ordinary Income Taxed?

[18:15] The Mechanics of Tax Rate Arbitrage

[20:10] Understanding the Wash Sale Rule

[27:51] Times When Tax Loss Harvesting Makes Sense

[34:14] Reasons Not to Try Tax Loss Harvesting

[37:00] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson go through how, why, and when mutual funds are taxed. They discuss how mutual fund gains are taxed and how you can improve your total portfolio returns by reducing and even eliminating taxes on your funds.

[01:31] Basics of How Mutual Funds are Taxed

[04:00] How to Ensure Your Holdings are Tax Efficient

[06:55] Why Mutual Funds Are Mostly Not Tax Efficient

[08:14] What is Portfolio Turnover?

[12:08] Mutual Fund Fees and Expenses

[13:12] Types of Mutual Funds and How They Work

[16:33] Income-Generating Components of a Mutual Fund

[18:12] Real-Life Cost Figures

[24:20] How the Top Mutual Funds Performed

[28:25] How Your Circumstances Affect Your Investment Strategy

[29:50] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.