Tackle Roth IRA strategies, dollar cost averaging, passive investing risks, strategic retirement withdrawals, and more. Whether you're planning early retirement or optimizing your current portfolio, Wes and Christa deliver actionable insights and answer listener questions, including:

• Is Passive Investing Creating a Bubble?

Are index funds inflating markets? Or do global diversification and ongoing price discovery demonstrate otherwise? Is it a mistake to dismiss all active strategies?

• Roth IRA Allocation

Roth IRAs often have the longest time horizon. Does that make them ideal for more aggressive, all-stock index fund investing?

• How to Diversify an IRA After a Rollover

Is it helpful to go beyond S&P 500 funds with mid- and small-caps? Treasuries? Corporates? REITs? Commodities? Energy pipeline investments?

• Avoid Paying Roth Conversion Taxes from a Roth?

Does it reduce long-term value to use Roth funds to pay taxes on a conversion? Is it okay to spread conversions over several years?

• What Is Dollar Cost Averaging (DCA)?

DCA can help reduce timing risk by investing consistently over time. Is it beneficial for large cash amounts and emotional ease?

• Investing a Lump Sum? What About a 50/50 Split?

Should you consider investing half up front and dollar cost averaging the rest over several months for balanced risk and reward?

• Effective Withdrawal Strategy in Retirement

Is it more strategic to pull from bonds/cash rather than stocks in down markets?

• Should You Use Target Date Funds?

They can be handy early in your career, but do some get too conservative by retirement age?

• Is the Reverse Glide Path Worth It?

Starting conservative and getting more aggressive later may look good on paper, but does its complexity overshoot its practicality in real life?

Learn more about your ad choices. Visit megaphone.fm/adchoices

Are You Too Passive? Rethinking Index Funds, Roth Tactics, and Retirement Timing 39:08 Share

Retire Sooner with Wes Moss

Shownotes Transcript

Are You Too Passive? Rethinking Index Funds, Roth Tactics, and Retirement Timing