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cover of episode Am I on Track for Retirement?

Am I on Track for Retirement?

2024/12/4
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Ask The Compound

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People
B
Ben Carlson
一位专注于投资教育和策略的金融专家,通过博客和播客分享投资见解。
B
Bill Sweet
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Duncan Hill
创意媒体总监和《Ask The Compound》播客主持人,专注于投资和个人财务咨询。
听众
无足够信息构建个人资料
Topics
Duncan Hill分享了个人经纪账户投资策略的演变,从最初的投机性交易到逐渐转向自动化定投指数基金,强调了随着经验和资产的增长,应逐渐降低风险,减少市场择时的频率。他认为没有明确的规则来决定何时卖出个股,投资者需要设定一些边界来约束自己的行为。 Bill Sweet建议将退休资产配置在经纪账户、Roth账户和传统账户中各三分之一,并详细分析了不同账户的税务优势和劣势,强调了资产配置的个性化需求。他认为,在缺乏完美信息的情况下,三分之一的配置比例是一个合理的起点,并建议根据个人情况进行调整。 Ben Carlson肯定了听众的投资成果,并指出单纯的资产比较意义不大,应更关注个人的风险承受能力和长期投资计划。他还讨论了使用限制性股票单位(RSU)支付费用和使用房屋净值信用额度(HELOC)的优劣,并建议根据个人情况选择合适的方案。

Deep Dive

Chapters
Investors often treat brokerage accounts differently from retirement accounts. Some use brokerage accounts for speculation while others prefer a set-it-and-forget-it approach. Balancing automated investments with occasional stock picking can be a good strategy.
  • Automatic contributions to brokerage accounts can help avoid market timing.
  • Selling some winners and losers periodically can be beneficial.
  • Determining when to sell individual stocks is challenging.

Shownotes Transcript

On episode 152 of Ask The Compound, Ben Carlson) and Duncan Hill are joined by RWM CFO and Tax Specialist Bill Sweet to discuss parameters to follow when using a brokerage account, optimizing taxable and non-taxable assets, selling RSUs vs using a HELOC for home improvements, investing in precious metals, and much more! Submit your Ask The Compound questions to [email protected]! Submit your Ask The Compound questions to [email protected])!

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The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers). Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information.

Investing involves the risk of loss. This podcast is for informational purposes only and should not be regarded as personalized investment advice or relied upon for investment decisions. Duncan Hill and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management.

Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here:

https://ritholtzwealth.com/podcast-youtube-disclosures/)

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