The Investor Coaching Show with Paul Winkler

With mortgage rates at 8% for 30 year loans, an average priced home now costs over $3,000 per month with hundreds of thousands more paid over the life of the loan. Today, Paul wants investors to know that spending most of your income on real estate is actually similar to having an investment portfolio that contains mostly large US companies. Listen along as Paul shares how it’s more dangerous to be overinvested in any one area and why your financial situation may have risks that you can’t even see. Later in the episode, Paul talks about how investors are sold investments based on past performance and predictions of the future and how to get out of a cycle of buying high and selling low when things don’t work out.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Is it time to move some money from your savings to an investment portfolio? If so, how do you choose what you should invest in? Today, Paul shares how to know if you have too much money in the bank and how to invest the rest. Listen along as Paul explains why the assets you choose when you invest should be directly connected to your time horizon. 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

This week Paul looked through a sea of headlines that could negatively impact markets and finally asked: Who on Earth would want to invest in times like these? Listen along as Paul works to help average investors separate the disillusionment that comes from war and political chaos from the process of saving and investing for the future. Later in the episode, Paul explains why having a true purpose for your money is much better than just having a lot of money. 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Studies show that people are living longer as access to healthcare, food options, and less manual labor increase due to technological changes. But how would living to 120 affect retirement? Today, Paul talks about the two major risks to a 50-year-long retirement — inflation and stock market fluctuations — and why having a plan that accounts for both is more important than ever. Later in the episode, Paul talks about the Russell 2000 and explains why investors should be skeptical of indexing in their portfolios.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

A few generations of investors were able to rely on the return from the S&P 500 and a 60/40 income strategy in retirement without too many issues. Today, Paul talks about why these investors benefited from a unique 20–30 year period in the world of investing that investors today will not likely get to enjoy. Listen along as Paul explains why this strategy for investing has become increasingly risky and why academic investing principles and diversification outside of large US companies is the best shot investors have at a portfolio that can get you through your retirement years. Later in the episode, Paul finds a WSJ called “I Just Wasn’t In the Mood to Work” that talks about how younger American workers don’t have the same approach to work as the previous generation and how new technology and a changing labor force are going to change how businesses think about labor moving forward.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

The IRS came out with a new and complex rule around removing money tax-free from a trust and immediately had to issue a warning after investment “gurus” took to the internet encouraging investors to avoid taxes. Today, Paul and Evan talk about how people try to twist tax laws for their own benefit and often wind up in more trouble than they were before. Later in the episode, Evan talks about when you would want to take the lump-sum benefit on your pension. 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

There are all kinds of claims floating around the internet that say things like, “If you invest $100 per month for the next 40 years, you’ll have over $1 million dollars in retirement.” Today, Paul and Evan explain why this quick investment math is misleading and how difficult it is to predict income in retirement. Listen along as these advisors share how investors are sold promises about their financial future that rarely come true. 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

What happens when you mix the passive income of a REIT, the tax credits of oil and gas investment, and the death benefit of an insurance policy? Today, Paul and Evan talk about some common strategies people have invented to generate passive income with no risk that you don’t have to pay taxes on. Listen along as these advisors explain why these “advanced” investment strategies usually have a hidden flaw that investors don’t see until it’s too late. Later in the episode, Paul talks about how his childhood mall ended up in the WSJ this week after Carl Icahn bet against it and lost.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today, Paul gives an economic update and talks about how inflation causes businesses to forgo profits as they try to avoid raising prices. Listen along as Paul talks about the shift in spending that happens in both personal finances and world economies when costs start to rise. Later in the episode, Paul finds it funny that anyone would claim Bitcoin is now undervalued after what happened to cryptocurrencies in 2023.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

This week Paul gets an email from an investor about a fund that claims to follow a biblical approach to the companies it chooses. Today, Paul talks about why it’s a bad idea to try to use investing to make a religious, social, or political statement. Paul uses ESG funds to show why “value-based” investing is usually a marketing tactic from the fund company that leads to lower returns and less money in retirement. Paul wants you to know that finding your true purpose for money will help you express your values better than a fund company ever could. Later in the episode, Paul shares an interesting article from the Wall Street Journal article called, “Downsizing Your Home Isn’t the Money Move It Used to Be.”

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.