The Investor Coaching Show with Paul Winkler

Paul noticed the average 30-year interest rate on a mortgage has gone up since 2020. Paul shares that one of the risks of real estate investment is how fluid the real estate markets can be and how expensive it can be to buy or sell a property at a bad time. Listen along to hear how many times the real estate market has changed since the late 1970s and why you shouldn’t bet your retirement on an asset because it is popular right now. Later in the show, Paul talks about an article titled “Investors Sue Vanguard After Target-Date Funds’ Big Tax Bill.”

 

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Today, a listener wants to know how old is too old to invest aggressively. Paul answers this question by addressing how to balance between the risk of inflation and the risk of loss. Listen along to hear why the purpose of your money and when you need it affect how aggressively you can invest. 

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Paul shares the most likely reason that both stocks and bonds are down right now. Is this a cause for concern? Paul doesn’t think so. Listen along to hear why higher interest rates and inflation may cause stock and bond prices to dip momentarily and why you should keep cash, bonds, and equities in a portfolio. Later in the episode, Paul shares the problem with trying to rebalance your assets between stocks and an annuity.

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Many investment firms fall over themselves to tell you what will happen in the future. Today, Paul explains that politics can quickly change, that the pricing and information around stocks are incredibly tight, and how misleading it is for the industry to pretend to know what is coming. Listen along as Paul uses an example from the auto industry to show how market predictions lead investors in the wrong direction.

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Paul and Ira continue looking through the Series 65 license test prep materials and get a good laugh at how poorly it prepares people to provide adequate financial advice. Listen along as they share specific examples on ways the material claims that advisors can “help” their clients. Paul then encourages investors to find a properly educated advisor so they don’t fall into some of these obvious investment traps. 

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Paul saw that Jamie Dimon from J.P. Morgan claimed that the deal volume of publicly traded companies is coming down and that investing in private companies is up. Paul explains the difference between investing in publicly and privately traded companies. Listen along to hear what is going on in private equities that makes your money really cheap to use despite promises of great returns. 

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While watching some financial news this past week, Paul found someone with a good perspective on the ESG investing trend. If you ever have considered or been offered these investments, Paul explains why ESG is fundamentally flawed. Listen along to hear why ESG is a system that limits the markets and its investors and is not proven to be better for the environment. Later in the show, Paul makes a connection between playing the lottery and investing for the excitement.

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Paul shares an article called “Dow Transports Getting Dangerously Close to a Bearish Signal” and explains that although the Dow Transports seem related to overall market performance, predicting the future is a fool’s errand. Listen along as Paul shares how data can be manipulated to predict almost anything. 

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After looking through the educational materials for the Series 65 exam, Paul finds why so many investors are led astray by advisors selling products and giving investors exactly what they think they need. Paul and Ira talk about how some of these educational materials sound like malpractice and why you need an advisor who has more education and won’t just regurgitate the sales pitches of common investment products. 

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Have you ever heard about or been offered a qualified longevity annuity contract? Today, Paul and his team compare the returns of this increasingly recommended insurance product to other annuity products and a run-of-the-mill stock portfolio. Listen along as Paul explains what you need to know about this product and how this differs from other annuities, and Evan explains some of the tax disadvantages. Listen along to learn about QLACs and see why Paul doesn’t think it will help investors achieve their goals as they age.

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