The Money Matters MD Show

Is a faster Momentum ETF actually better for your portfolio? We compare SPMO against alternatives to find the right strategy. Momentum investing often relies on holding high-performing stocks for fixed periods, but frequent changes can impact your bottom line. I break down the performance data—including CAGR, Sharpe Ratio, and Max Drawdown—to see if more aggressive rebalancing strategies actually...

Is the Capital Group Dividend Value ETF (CGDV) really a value ETF? Explore its P/E ratio, technology exposure, top holdings, and performance compared with VTV and the S&P 500. Discover why an ETF’s label may not tell the whole story. 📊 #CGDV #ETFInvesting #ValueInvesting #StockMarket #MoneyMattersMD

Where should your next dollar go? In this episode, we break down the 10-Step Savings Ladder—from budgeting, building an emergency fund, and getting your 401(k) match to maximizing Roth IRAs, investing, reaching financial independence, and planning for retirement. #MoneyMattersMD #SavingsLadder #PersonalFinance #Investing #RetirementPlanning #FinancialIndependence #401k #RothIRA #HSA #WealthBuildin...

Dr. William Bernstein joins Money Matters MD for a wide-ranging discussion on AI bubble risk, market valuations, inflation, TIPS, asset allocation, factor investing, commodities, and the true meaning of investment risk. He also shares lessons from the Dot-Com Era and explains why the goal isn't to maximize returns—but to avoid dying poor. #WilliamBernstein #Investing #PersonalFinance #AIBubble...

A head-to-head look at SPMO, XMMO, and VFMO —three popular momentum ETFs—and a surprising fourth strategy using a combination of SPMO and XMMO. #MomentumETF #SPMO #XMMO #VFMO #MomentumInvesting #ETFs #Investing

What should investors expect from the markets over the next 10 years? Adam Schickling, CFA, Senior Economist at Vanguard, joins us to discuss Vanguard’s 10-year forecasts, AI and bubble risk, growth vs. value, bonds, inflation, taxes, gold, real estate, and asset allocation. #Vanguard #Investing #StockMarket #AI #ValueInvesting #Bonds #Inflation #AssetAllocation #Retirement #PersonalFinance

We compare QQQ, SPMO, VUG, and the S&P 500 to explore whether momentum investing can capture today’s AI and technology leaders while managing some of the risks of traditional growth investing. #Investing #QQQ #SPMO #MomentumInvesting #GrowthInvesting #ETFs #AIInvesting#Investing #QQQ #SPMO #MomentumInvesting #GrowthInvesting #ETFs #AIInvesting

Real estate investing isn’t just about being a landlord or buying an ETF. Explore 10 ways to invest in real estate , from passive REITs to active property development, and understand the trade-offs between risk, returns, capital, and time . #RealEstateInvesting #FinancialFreedom #RealEstateInvestment #PersonalFinance #MoneyMattersMD

How much do you really need to retire? In this episode, I break down the numbers behind retirement using the 4% and 5% rules, while factoring in Social Security, taxes, housing, inflation, and changing spending needs. I also explore FIRE, the guardrails approach, Monte Carlo analysis, and practical portfolio strategies to help you think more realistically about your financial independence number....

Does buying the dip actually work? We explore the research behind market timing, dynamic asset allocation, and whether staying the course may be the better strategy. #MoneyMattersMD #Investing #AssetAllocation #BuyingTheDip

Managing a complex DIY portfolio doesn't have to be complicated. In this episode, I share the tools I personally use to automate investing, simplify rebalancing, and stay disciplined with my long-term investment plan. #Investing #DIYInvesting #PortfolioManagement #ETFs #PassiveInvesting #PersonalFinance #LongTermInvesting #Fidelity #M1Finance #MoneyMattersMD

In this episode, I share what I learned from interviewing Bill Bengen, the creator of the 4% Rule. I'll explain why many retirees may be able to withdraw more than 4%, and how inflation, market valuations, and dynamic spending can help you build a better retirement income strategy. #RetirementPlanning #4PercentRule #BillBengen #RetirementIncome #SafeWithdrawalRate #PersonalFinance #Investing #...

Why replace the classic VTI + VXUS + BND portfolio? In this episode, Dr. Abhishek explains the Global 4-Quadrant Portfolio —an 8-ETF factor investing strategy built around momentum, value, quality, profitability, and size. Learn how it compares to a traditional global index portfolio, why it has historically delivered stronger risk-adjusted returns, and the important risks and implementation detai...

Is another market downturn coming? Christine Benz of Morningstar shares practical advice on retirement planning, portfolio allocation, the bucket strategy, tax diversification, safe withdrawal rates, and the difference between investing and speculation. Learn how to build a resilient portfolio for the long term. #Investing #RetirementPlanning #PersonalFinance #ChristineBenz #Morningstar #ETF #Inde...

In this episode, discover a smarter alternative to VXUS with the International 4-Quadrant Portfolio. Learn how combining momentum, value, size, and profitability factors has historically outperformed traditional international index investing while maintaining broad global diversification. #Investing #ETF #InternationalInvesting #VXUS #FactorInvesting #ValueInvesting #MomentumInvesting #Portfolio #...

In this episode, Dr. Abhishek Gadre sits down with Bill Bengen, the creator of the famous 4% Rule, to discuss why his latest research now supports a 4.7% safe withdrawal rate. They explore retirement planning in today's market, the impact of inflation, high valuations, sequence of returns risk, portfolio diversification, and practical strategies to build a more resilient retirement income plan...

In this episode, we put the 4-Quadrant Portfolio to the ultimate test with a 33-year backtest against the S&P 500. We explore how factor investing, momentum, value, and small-cap strategies performed through major market crashes, and why a diversified multi-factor portfolio may offer stronger long-term returns with a smoother investing experience. #Investing #ETFs #FactorInvesting #PersonalFin...

Are pensions making a comeback? Fidelity and Vanguard are adding lifetime income annuity options to 401(k) target-date funds, giving retirees a pension-like paycheck in retirement. Learn how these new products work, their pros and cons, and what they could mean for your retirement strategy. #RetirementPlanning #401k #Fidelity #Vanguard #RetirementIncome #PersonalFinance #Investing #MoneyMattersMD

Wealthfront and Betterment are two of the most popular robo advisors, but which one offers the better investing experience? We compare fees, tax efficiency, portfolio design, and customization to reveal the winner. #Investing #Wealthfront #Betterment #PersonalFinance #ETFInvesting

Can you outperform the S&P 500 without picking individual stocks? In this episode, we explore the Four Quadrant Portfolio—a multifactor ETF strategy that combines value, momentum, quality, profitability, and small-cap exposure to potentially generate long-term alpha while maintaining broad diversification. #Investing #ETFInvesting #FactorInvesting #SP500 #PersonalFinance #WealthBuilding #LongT...

Can buying high actually beat buying low? In this episode, we explore momentum investing, the research behind it, top momentum ETFs like SPMO and MTUM, and the risks and rewards of chasing market winners. #MomentumInvesting #ETFInvesting #FactorInvesting #SPMO #MTUM #StockMarket #PersonalFinance #InvestingPodcast #WealthBuilding #SP500

Are trillion-dollar IPOs like SpaceX and OpenAI changing investing forever? In this episode, we break down the biggest IPO wave of 2026, the rise of private equity and venture capital, and why public investors may be getting access to companies much later than before. Learn how mega-cap IPOs could reshape the S&P 500, index funds, and the future of long-term investing. #SpaceX #OpenAI #IPO #In...

Where should you keep your emergency fund — and when should you actually use it? In this episode, we break down the 4 Rules of Thumb for choosing the best emergency fund strategy and the “3 YES” model for spending it wisely. Learn how to balance safety, yield, accessibility, and tax efficiency while building a strong financial foundation.#EmergencyFund #PersonalFinance #MoneyManagement #FinancialF...

Leasing, financing, or buying a car in cash—what’s the smartest move? In this episode, we break down the real costs behind each option and reveal why the cheapest monthly payment can be the most expensive long-term decision. Learn how to avoid common car-buying mistakes and build smarter financial habits. #PersonalFinance #CarBuying #MoneyTips #FinancialFreedom #DebtFree #WealthBuilding #FinancePo...

High-income earners can still struggle because of hidden money mistakes. This episode reveals 7 silent wealth killers—from lifestyle inflation to hidden fees. Learn how to take control of your money, build real wealth, and stop living paycheck to paycheck. #PersonalFinance #WealthBuilding #MoneyTips #FinancialFreedom #Investing #MoneyManagement #FinancialLiteracy #WealthMindset #PassiveIncome #Bud...