Episode #90: Mega ROTH Ira vs. The Backdoor ROTH IRA

Russ discusses the differences between the Mega ROTH IRA and the Backdoor IRA.  Overfunding your workplace retirement plan and funding your Traditional IRA conversion to a backdoor ROTH IRA.  Why you would want to do this and the mechanisms how to do so.  The income limitations for Contribution limits for the workplace retirement plan and the income limits on the ROTH IRA and how to get around them. 

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In the US, the government passed Secure Act 2.0 on December 29th, 2022.  It was the most important and expansive piece of legislation affecting retirement savings since ERISA in the 1970’s.  In this episode, Russ unpacks the key questions he gets from clients and others about: the age increases, contribution limits, RMD changes, 529 (college savings plan changes), automatic wokplace retirement plan participation qequirements, qualified charitable distributions, etc.  This podcast is not designed to be a comprehensive review of Secure Act 2.0, but rather hit a few highlights Russ gets asked the most. 

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To accumulate wealth, you must learn more than "Buy and Hold."  In the is episode of the Modern Stock & Options Trading Show, host Russ Mathews, goes through some key ideas for generating cash flow and how to keep more of what you generate.  He covers: the types of tax preferred accounts to trade in, how to use the leverage of options, concepts of margin and how it can turbo charge your accounts (though it can be a double edge sword), how to get paid in debt etc.  He also covers how conservative options trading concepts can also generate cash flow - writing covered calls, selling cash-backed puts to buy stocks we like at cheaper prices and get paid now, etc. 

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In this episode of the Modern Stock & Option Trading Show, Russ lays out the 8 trends / themes that he is currently focused on.   He covers where we have been and where we are going into 2024.   Context is key to investment performance as we have seen volatility since the summer. 

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Episode #86 – Can You Predict Earnings Season Ahead of Time

 In this episode of the Modern Stock & Option Trading Show, Russ lays out the 3 Step process to get a read on whether Earnings Season will be good, bad, or neutral ahead of time.  Q4, 2023 earnings season is about to start (Oct. 18th – Nov. 8th), and many investors are wondering will earnings be good?  Should I remain defensive or start to get positioned for a year-end, ‘Santa Clause’ rally?  Russ lays out a way (in advance) to determine if the earnings season is expected to be strong.    

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EBITDA is one on the most used measures of earnings for stocks.  In this episode, Russ covers what EBITDA is, how it is calculated, why investors care and the pros and cons of this earnings measurement.

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In this episode, Russ explores the standard portfolio construction / asset allocation structure of 60% stocks / 40% bonds.  This portfolio structure has been around for 50+ years and is a standard for investing.   A series of 'bear markets' since the year 2000 and changing interest rates has pressured this ‘standard’ structure.  Russ explores what thsi portfolio is and how new investment products have changed the nature of this allocation today. 

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In this episode, Russ explores the 7 largest mistakes investors & traders make.  From taking too much risk to trading without a written plan with an edge, each risk is discussed and how to overcome each one.  Helping traders to avoid these mistakes is key to long term success in investing.   

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In this episode, Russ explores how your investment timeframe determines many other investment decisions.   

Investment timeframes are described, and then the decisions that are influenced.  From asset class selected, to the amount of reliance on technical vs. fundamental analysis, chart timeframes, news, macroeconomics, etc.   

He also discusses how investment timeframes can influence each decision. 

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In this episode, Russ explores the multidirectional & murky investment environment now. 

From what is happening with inflation, to the FED pausing interest rate hikes, to unemployment to real estate to cash and cash alternatives.  The economy is difficult to get a read on right now.  How do you invest in this multidirectional, confusing environment?  Russ explores a 3-step process that helps bring some certainty to the confusion. 

He also discusses the narrow rally to date and how it appears to just now be broadening out to other stocks (from the 7 stocks in the AI boom carrying the indexes in 2023).  

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