The Investor Coaching Show with Paul Winkler

In the short term, there’s a great chance that even diversified investments will move together. What you may not notice is that they aren’t moving by the same amount. That may not seem like a big deal, but over time it will make an enormous difference. Today, Paul teaches what you need to know about volatility and how downturns affect a diversified portfolio over time. 

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One of the causes of inflation has been a lack of supply due to the scarcity of the chips we use in cars, tech products, and even toys. Paul shares some information about why there is a lack of supply, why manufacturers are slow to ramp up production, and when we might see an end to this anomaly. Later, China is incentivizing citizens to adopt a digital yuan. 

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Paul encourages listeners to be skeptical of legendary investors and funds. Listen along to hear how the success of people like Peter Lynch and Warren Buffet can’t last forever as well as how people use legendary investors to get you to make emotionally driven investment decisions. Later in the episode, Paul answers a listener's question about probate and the best ways to leave property to family without a large, unnecessary tax bill.

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After a week with historic storms for the region, Paul gives a warning about being taken advantage by contractors. Listen along to hear typical examples of fraud after these kinds of storms and what you can do to avoid them. In the second half of the show, Paul talks about why being afraid of the market can be especially dangerous during times of high inflation.

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What happens to markets when businesses are upended by global warming and governments unraveling and not enforcing rule of law? The media is happy to suggest catastrophic events are around every corner, and fear drives many investors to act on the media’s reports. Today, Paul helps us understand how markets work by explaining how they can fall apart. Listen along to hear why you cannot let fear of the future keep you from saving for the future. 

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How we receive the news has fundamentally changed in our lifetime. Gone are the days of receiving reliable information from two or three known channels. Now, we get immediate access to all information from hundreds of media companies trying to market us products. So to whom do we listen? Today, Paul explains why we have to change our relationship with the media if we want to have confidence in our investments. 

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Today, Paul talks about the Modern Monetary Theory (MMT)—the idea that the U.S. could sustain much more debt because it prints money and that inflation and unemployment are a result of the country’s restricting cash flow and still taking taxes. Listen along as Paul explains that Americans don’t have the same ability to print money as the government, which undermines a theory like MMT.  

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Insurance companies announced that variable universal life insurance sales have grown over 100% while term life sales are down. Well, these companies are great at convincing you that you can save for retirement and have life insurance with one product and forgetting to mention fees, commissions, and penalties. Listen as Paul shares some insight on products that he used to sell and now encourages people to avoid. Later in the show, Charlie Munger says he wishes cryptocurrencies didn’t exist. 

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Not only are most people ill-equipped to make investment decisions in their best interests, but also more workers are responsible for their retirements than in generations past. Today, Paul explains why your 401(k) cannot be overlooked, why there is always a reason not to save, and why tuning out the noise and making a commitment to your retirement plans at work is important.

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Most of the financial sector is becoming convinced that the 4% rule will no longer work for investors trying to take an income in retirement. Morningstar now recommends 3.3%, others recommend even less, but the father of the 4% rule actually recommends 4.7%. So where is the disconnect? Listen along to hear how the amount you take in retirement should depend entirely on the strength of your portfolio. Later in the episode, Paul talks about year-end predictions.

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