Coasting In Retirement with Josh Null

Today your host Josh and co-host Michelle discuss investments to avoid in retirement.   Takeaways Penny stocks are a class of low-price, high-risk public companies. They tempt highly speculative traders with the illusion of easy exponential growth, offering the chance to double, triple or quadruple their money 80% of businesses in the US will never sell the difference between term and whole life,...

Today your host Josh and co-host Michelle discuss 4 simple steps for those nervous about their money to take, especially for those in or near retirement. Takeaways  If you don't have a financial advisor, consider using one – but only after you interview them first Getting an analysis performed on your existing invest   mentportfolio is very important 1/3 of Americans have a written financial plan...

Today your host Josh and co-host Michelle discuss a handful of options that are considered low-risk and an option that may be attractive to some investors.  Takeaways Preferred stocks have some bond like features vs common stock Satellite holdings are meant to diversify away from those core holdings, often allowing an investor to have a particular goal in mind, such as income production that the m...

Today your host Josh and co-host Michelle discuss the recent bank failures of Silicon Valley Bank, otherwise known as it's initials SVB, and another unrelated bank called Signature Bank. Takeaways Bonds have an inverse relationship with interest rates   SVB locked in $80 billion into long term bonds, particularly 10 plus year mortgage securities, then got hit by rising interest rates Banks with $1...

Josh and cohost Michelle finish discussing ways to use both your investment assets and possibly your real estate holdings to generate passive income. Takeaways An investor purchases multiple bonds or CDs with different maturities. As each bond or CD matures, you can reinvest the principal in new bonds with the longest term you originally chose for your ladder If interest rates move higher, you can...

Josh and cohost Michelle discuss ways to use both your investment assets and possibly your real estate holdings to generate passive income. Takeaways Total Return is basically a fancy way of describing a diversified portfolio of stock and bond index funds   Deferred income annuities are the most "pension" like of annuity options. In fact many pension payouts are facilitated thru an insurance compa...

Josh and cohost Michelle finish discussing financial intentions. Also discuss the most recent headlines on retirement. Takeaways Schedule a meeting with an advisor that doesn't collect commissions, because they are looking out for your best interest A vast majority of Americans do not have a will which can lead to arrears open to probate and to strangers determining the fate of your arrears inheri...

Josh and cohost Michelle discuss financial intentions. Also discuss the most recent headlines on retirement. Takeaways Sequence of return risk can create compound growth by having a plan and other assets classes to dip into. Minimize principal withdrawals during a market downturn in retirement Benefits get higher every year you delay taking Social Security Higher interest rate environment can help...

Josh and cohost Michelle discuss Annuities collapse and some recent headlines on retirement. Takeaways Different types of annuities, Deferred Income Annuity, Immediate Income Annuity, Fixed Annuity, Multi-year Garanteed Income Annuity, Fixed Index Annuity, Variable Annuity Deferred Income Annuities depend on when you started it & how much you put in,  Fixed Index Annuities have longer surrender pe...

Josh and cohost Michelle discuss the cypto FTX collapse and some recent headlines on retirement. Takeaways Bud Hebeler's bad investments like Lifestock, comdities, collectibles, and idividual stocks Unconventional assets could have pitfalls extend beyond risk Investing in gold can be good for your portfolio, but does not hold high returns  

Josh and cohost Michelle discusses a variety of investment topics all related to inflation.   Takeaways Inflation affects retirement plans by reducing spending or withdrawing more money Inflation forces over half of Americans to consider second jobs Social security benefits will increase in 2023