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Markets Are Crazy. Is This the New Normal?

Aug 6, 2025
Bill Sweet, CFO at Ritholtz Wealth Management, shares his expertise on navigating tax-optimized investment strategies and withdrawal techniques. He dives into the cyclical nature of market fluctuations and the challenges of retirement planning. The conversation also highlights the dynamics of advisor-client relationships, discussing what makes clients difficult. Sweet tackles the age-old debate of buying versus renting a home, weighing the financial and emotional factors involved in both decisions.
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INSIGHT

Market Volatility Is Cyclical

  • Stock market volatility with big swings is cyclical and nothing new historically.
  • Recent faster market moves may be due to quicker information flow, not unprecedented instability.
ADVICE

Invest Rollovers Without Delay

  • If comfortable with risk, invest rollover funds immediately rather than parking in cash to avoid missed opportunities.
  • Waiting for market pullbacks can backfire if prices rise instead; dollar-cost averaging helps minimize regret.
ADVICE

Use IRA Holders for Yield

  • Holding high-yield assets inside IRAs provides a tax shield by deferring taxes on ordinary income.
  • Avoid low-yield cash investments long-term just to reduce future Required Minimum Distributions (RMDs).
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