The Investor Coaching Show with Paul Winkler

The default investment of most 401(k)s is target-date funds. If you’ve been automatically enrolled in a 401(k) plan or chose a default based on your age, a target-date fund is likely where your retirement money is being invested. Today, Paul continues his education on target-date funds by sharing their flaws, their performance compared to other options, and how they can hurt investors—particularly younger investors. Listen along to learn how to make more informed decisions in your 401(k).

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Paul fields a question from a finance professor about a recent video he did evaluating different market segments based on their price-to-book ratios. The listener wanted to know if an equally weighted index would perform better than a cap-weighted index because large growth stocks seem to be high compared to historic norms. Listen along as Paul explains that while an equally weighted index might technically keep you from over investing in an asset category that may experience a correction, its costs and risks don’t make it an obvious choice. Later in the show, Paul explains why fund companies can be dangerous to trust blindly.

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January has been a dark month for crypto investors as a recent crash erased more than $1 trillion in the crypto market value. Paul and Evan explain why crypto is struggling and why crypto hasn’t provided a key benefit investors hoped—being an inflation hedge. Later in the episode, Paul and Evan talk about $140 billion worth of Bitcoin lost due to forgotten passwords.

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This week Paul had a few people reach out after an investment expert warned of a super bubble in the market about to pop. Listen along as Paul and Evan dive into the current state of markets, what Paul considers a bubble, and why you should be skeptical when you hear experts talk about “the market.”  

Today, Paul covers a psychological hurdle that hurts almost 98% of all investors and what to do about it. Listen along as Paul uncovers how the mind often works against an investor’s best interest and why understanding yourself leads to greater success in your goals. Later in the episode, Paul talks about why small growth indexes seem to underperform.

Paul fields a question from a listener about a popular real estate investment trust (REIT) product advertisement. Is it a scam? And if so, how do you refute the claims of the ad to your friends and family so they don’t make a mistake? Listen along as Paul plays through the ad and provides commentary on the product and what investors need to know about REITs. Later in the show, Paul explains the difference between value and growth companies.

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A listener asks if inflation is good or bad for buying I bonds, the IRS has a new tax-reporting requirement for companies such as PayPal and Venmo, and an investment firm targets younger investors with questionable funds. Listen along as Paul and Anne cover these topics and explain how they could affect investors.

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Today, Paul shares two forces that will hurt annuity owners the later they get into retirement. Listen along to hear why annuities either won’t protect you against inflation or will be so costly that you might be dependent on others later in life. Paul wants you to be educated on this complex product so you can see through the sales pitch and see what retirement could be like with an annuity. 

Last week people from across the world came together to honor Betty White and celebrate her hundredth birthday. Paul and Anne take a moment to reflect on Betty White’s long life and the legacy of “The Golden Girls.” Listen along as Paul and Anne talk about how the show addressed important retirement topics such as family dynamics, long-term care, loneliness, part-time work, American independence, and finding purpose and community. Later in the show, Anne shares 10 habits consistently found in people who live to be 100.

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Investors sued Kim Kardashian and Floyd Mayweather for an alleged pump-and-dump crypto scam that saw the cryptocurrency lose 97% of its value. Today, Paul talks about how these kinds of scams have been happening for a long time and why celebrities and wealthy people can unknowingly mislead investors because they are uneducated themselves. The solution is to be an educated investor. 

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