WCI #232: Investing Q&A - The Dragon Portfolio, 457(b)s, 403(b)s And Individual Stocks

Oct 14, 2021

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ADVICE

Choose Direct Or Passive Real Estate Deliberately

If you want higher returns, invest directly in real estate but expect to trade time and effort for excess return.
If you prefer scale, diversification, and time back, choose passive syndications or funds despite fees.

INSIGHT

Value Of Using 457(b) Over Taxable

457(b) plans are deferred compensation, not your money, which affects creditor and employer risk profiles.
Maximize retirement vehicles unless a taxable investment clearly beats them after-tax by several percent.

ADVICE

Don’t Overweight Exotic Portfolio Strategies

Limit allocation to unconventional assets like gold, long-volatility, or commodity trend-following to about 5–10% of your portfolio.
Keep the bulk in stocks, bonds, and real estate to capture long-term growth in good markets.

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We have had a lot of questions about investing coming in lately, so today we have put all of those questions into one big Q&A podcast. We talk about the value of investing in a 457(b) versus a taxable account, we discuss 403(b) accounts, 401(k) accounts and what investing limits are for each of these. We even cover more unusual portfolios such as the Dragon Portfolio. We talk about passive real estate investing vs. active real estate investing. If you have had an investing question lately I think you will find some answers here. If you need more help, check out our recommended financial advisors. https://www.whitecoatinvestor.com/financial-advisors/

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The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you!

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