Paul spends a lot of time warning people about the realities of the investment industry and educating investors about products and sales tactics, but today, Paul shares his favorite part of his job: listening to people dream about the future and helping them make a plan to reach those goals. Listen along as Paul talks about some of the complexities around tax and income strategies that can freeze people up and keep them from planning altogether.

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Interest rate hikes have had a negative effect on the outlook of stocks and bonds this summer. This is leading some investors to ditch their investments and sit in cash. Today, Paul explains why this trend might feel safe for investors but is really hurting their chances of meeting their goals. Listen along as Paul and Ira talk about who makes money when you walk away from your portfolio and why selling bonds at the wrong time can create problems for investors. Later in the episode, Paul is confused about why homeowners would want to drop the insurance on their homes.

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Today, Paul shares an article that discusses the two biggest misconceptions about Social Security. One group of investors believes that they will never receive social security and won’t make a plan for it. Another group believes that they know how Social Security works and plans to navigate the system on their own. Paul shares that both of these groups have made a mistake and may miss out on income in retirement. Paul encourages you to work with an advisor and make a plan for Social Security because it isn’t going anywhere.

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If bonds with longer maturities reward you with higher interest rates, why would you choose to exclude them from a diversified portfolio? Today, Paul expands on a video he made last week, “Why Use Bonds in a Portfolio?” and explains the risk of long-term bonds in your portfolio. Listen along as Paul explains why fixed-income investment like bonds get put in a portfolio and why the promise of higher interest rates and long maturities undermines the reason for owning bonds. Later in the episode, Paul shares an article that he sent to his team this week called “Financial Journalism Fails Its Readers.”

To learn more about the problems with indexing and why a structured approach to investing could be better for your financial future, sign up for our webinar here: Are Index Funds Delaying Your Retirement?

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Today, Paul discusses an article about a recent lawsuit against an employer who mismanaged its employees’ retirement accounts. Employers are responsible for making decisions in their employees’ best interest, but oftentimes employers don’t know how to manage the accounts and don’t want to be responsible. Listen along as Paul and Jim talk about how your employer may be making you choose your investments or, even worse, choosing products for you for personal reasons. The result is that your employer spends their time looking out for themselves instead of reaching out for help and choosing products that work for you. Later in the episode, Paul and Jim talk about why investment companies want to sound sophisticated and tout their ability to analyze markets, and why you shouldn’t let any of their “advanced metrics” lead you into market timing.

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