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cover of episode Q&A: Buying Bitcoin at $100K, When to Close a Business, & HSA vs. Roth IRA

Q&A: Buying Bitcoin at $100K, When to Close a Business, & HSA vs. Roth IRA

2024/12/5
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Rich Habits Podcast

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People
A
Austin Hankwitz
通过《富裕习惯》播客,分享财务知识和实用策略,帮助听众提高财务素养。
D
Daniel
软件开发专家,专注于编程和技术博客写作。
R
Robert Croak
一位拥有30多年商业经验和多亿美元公司退出记录的企业家和投资者,通过《富人习惯》播客分享财务策略和经验。
Topics
Austin Hankwitz建议投资者每年年末对投资组合进行回顾,根据市场表现调整资产配置,例如增减股票或ETF。他建议每三个月回顾一次投资组合,但承认这对他来说比较极端,建议其他人每六个月或一年回顾一次。 Robert Croak强调了投资组合再平衡的重要性,并建议投资者在11月18日收听第91集播客,学习如何进行投资组合表现回顾。他分享了自己的投资组合回顾方法,并建议投资者在没有干扰的情况下进行回顾,例如在航班上或深夜。 Robert Croak建议投资者利用公共平台的债券账户来锁定6%或更高的收益率,以应对利率下降可能导致投资回报减少的情况。他解释了债券账户的运作方式,并鼓励投资者尽快行动,因为收益率并非固定不变。

Deep Dive

Chapters
Marie asks about the viability of dollar-cost averaging into cryptocurrency given the current high prices of Bitcoin and XRP. The hosts discuss the importance of having a profit-taking strategy and emphasize the benefits of dollar-cost averaging for long-term investments.
  • Dollar-cost averaging is a recommended strategy regardless of daily price fluctuations.
  • A profit-taking strategy is crucial for successful investing.
  • It's important to avoid emotional decision-making and focus on a long-term perspective.

Shownotes Transcript

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!


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👤 Explore everything Austin does –⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠)

👤 Explore everything Robert does –⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠)

❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram

📬 Inquire about working together – [email protected]


Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 11/28/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our⁠* ⁠⁠⁠⁠⁠⁠⁠⁠⁠Fee Schedule*⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See⁠* ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://public.com/disclosures/bond-account*⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠)* to learn more.*