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Episodes

Big news- SPIVA and DALBAR reports are out!

4/18/2018
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Paul discusses two reports from his annual “must read” list: SPIVA and DALBAR. The SPIVA report makes the strongest statistical case for index funds over actively-managed funds. The DALBAR “Quantitative Analysis of Investor Behavior 2018 Report” (no link, as investors have to buy the report) makes the case that the combination of active management by […]

Duration:00:43:01

Fixed Distribution Strategies-2018 Update

4/9/2018
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The decision to establish a fixed distribution strategy can help ensure your peace of mind in retirement. This strategy is designed for people who retire with “enough” to meet minimum cash flow needs, including future adjustments for inflation. If you are new to our work, please read “The Ultimate Buy-and-Hold portfolio, 2018 edition” and the latest Fine Tuning Your […]

Duration:01:10:24

The most important lesson from “Save $1000 a year. Retire with millions”

4/4/2018
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The most important lesson from “Save $1000 a year. Retire with millions” Paul begins this podcast in response to tough critiques from some readers about this very popular article and podcast. He speaks to what he thinks are the most important lesson for investors. He also answers 4 Q&As: 1. Will you create recommended portfolios for popular HSAs? […]

Duration:00:43:54

Building a million dollar portfolio with $1000 a year

3/26/2018
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For over 20 years Paul has been producing articles and podcasts on 3 important decisions investors must make. The first is The Ultimate Buy-and-Hold Strategy, a discussion of the equity asset classes that Paul recommends investors use in their portfolio. The second is Fine Tuning Your Asset Allocation. The third, on Distributions in retirement is in the process […]

Duration:01:07:02

How to get started investing and keep going – Q&A

3/21/2018
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One young investor following Paul’s advice wrote to him: “Paul, thank you for everything you’ve done. The podcast, books and website have changed my life.” Paul asked him, “How so?” Thus begins this podcast sharing this young man’s response in the hope it will motivate other young investors to do the same. Q&A: […]

Duration:00:38:10

Fine Tuning the Worldwide and All Value Portfolios

3/14/2018
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Does it ever make sense to use actively-managed funds? One of our readers asked us to review a major 401k plan (40,000 employees) that offered only two equity asset classes (U.S and international) and in each case they offered an actively-managed and an index fund. I couldn’t pass up using this real-life example to learn […]

Duration:00:51:23

Fine Tuning Your Asset Allocation,Worldwide and All Value Portfolios

3/9/2018
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In a recent podcast, Paul discussed a table of historical risk-and-return data for the S&P 500. The purpose of that podcast and corresponding table was to give investors a way to build reasonable expectations of the short- and long-term losses, as well as short and long-term returns for the S&P 500. In this podcast the same information […]

Duration:00:37:50

Is it time to sell? and other investor questions

3/7/2018
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In this podcast, Paul answers a variety of recent listener questions: • Is it time to sell and move more of my portfolio into money market or bond funds? • Can I use your Best-In-Class glide path spread sheet to manage my Fidelity portfolio? In answering, I reference a spreadsheet that shows our recommended asset allocation by […]

Duration:00:52:01

Fine Tuning Your Asset Allocation with the S&P 500 2018 update

2/28/2018
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Most of our annual Fine Tuning articles and podcasts have covered all of the major asset classes. This year we dedicate an article and podcast to just the S&P 500 and bonds. The S&P 500 Index represents the biggest public holding in the U.S. and maybe the world, roughly 80% of the value of all U.S. publicly-held […]

Duration:00:35:19

2018 Update of Paul’s “Ultimate Buy-and-Hold” Portfolio

2/14/2018
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For many years Paul and Rich have updated the Ultimate Buy-and-Hold Portfolio, and have posted the updates for 2018. This podcast is a step-by-step discussion of building a portfolio of 10 major equity asset classes. We want to make very clear how much impact each of these asset classes has on the long-term return of the portfolio, as […]

Duration:00:31:37

Topics you can’t afford to miss

2/7/2018
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Ken Roberts – of Ken’s Bulls & Bears on KCKQ AM 1180 in northern Nevada – recently interviewed Paul. In this 43 minute conversation they discuss target date funds, the pros and cons of stock selection, how young investors can get a head start, the four most important variables in your mutual funds performance, and the best […]

Duration:00:43:00

Pros and Cons of Motif and M1 Finance

1/31/2018
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The Motif Investing and M1 Finance companies allow investors to create a customized portfolio of individual securities and ETFs. Paul and Chris Pedersen compare these two low cost ways to create do-it-yourself robo portfolios. In both cases there are great advantages and important limitations. Chris recently compared the important differences in a table that may be useful […]

Duration:01:00:24

The Ultimate Buy and Hold Strategy 2014

1/26/2018
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Everyone should have an “ultimate strategy,” based on the best way you know how to do something. This podcast, updated for 2014, presents the best way I’ve found to position yourself for the future. The ultimate strategy must have a long history of success, be able to be managed simply, offer better rates of return on […]

Duration:00:41:51

Passive VS. Active Q&A

1/24/2018
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In Paul’s recent Marketwatch article he explores the debate between the results of index funds and actively-managed funds. If you review the comments following the article, you will see there are a lot of defenders of active management. In this podcast Paul responds to some of the most aggressive defenders of active management, including a comparison of Warren […]

Duration:00:57:01

The #1 investment table

1/17/2018
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Paul discusses the annual update of Callan’s colorful “Periodic Table of Investment Returns 1999-2017” and suggests you view the table while listening: https://www.callan.com/wp-content/uploads/2018/01/Callan-PeriodicTbl_KeyInd_2018.pdf. Paul also addresses the changes to his 401k recommendations from 50/50 U.S/international equities to 70/30 U.S./international, and small cap value from Guggenheim SmallCap 600 Pure Value (RZV) to SPDR Small Cap Value (SLYV); and […]

Duration:00:52:06

2017 Portfolio performance plus your questions answered

1/10/2018
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Paul briefly discusses the recent MarketWatch article, “4 simple and effective ways to help a young person get a jump on retirement” and continues with consideration of 2017 performance of the Vanguard, Fidelity, T Rowe Price, Schwab, TD Ameritrade mutual fund and ETF portofolios recommended at his site, including his favorite. He then turns to how to build the Ultimate Buy and […]

Duration:00:52:01

What you should know about 2017 returns

1/3/2018
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DON’T LISTEN TO THIS PODCAST if you don’t like numbers. Many unexpected things happened in 2017. To understand them it’s important to look at the numbers. This discussion includes a comparison of large cap, small cap, growth, value, U.S. and international asset class returns. There is also a comparison of 1- and 15-year returns for […]

Duration:00:46:27

What I think about Bitcoin and my 12 projects for 2018

12/27/2017
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This podcast presents plans for 12 major projects for 2018 by The Merriman Financial Education Foundation. They include fund selection for self-directed 401k plans, new 401k plans, more studies on the long-term impact of saving to retirement, answering more of your questions, teaching more young people about sound investing and interviewing some of the industry’s […]

Duration:00:33:27

What to do about bonds?

12/20/2017
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What to do about bonds is probably the most common question I get from investors. In some ways it is the simplest of investment decisions but it can be made difficult due to emotional hurdles. In this podcast Paul reviews several past articles on bonds. Here are the links to those articles: “Why bonds are […]

Duration:00:33:41

10 things you should know about small cap value

12/13/2017
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Small cap value continues to be an asset class that Paul recommends for all investors. Of course, for retired investors it may be a very small part as their position in equities is low. For first-time investors following Paul and Chris’ target date fund recommendations, the super-charged asset class may take up the entire portfolio. […]

Duration:00:44:33