The Clark Howard Podcast 05.20.25 Ask An Advisor With Wes Moss
8 snips
May 20, 2025 Wes Moss, a fiduciary financial advisor, shares valuable insights on investing and retirement savings. He raises concerns about whether we're in a passive investing bubble due to the popularity of index funds. Wes also explains the advantages of dollar cost averaging versus lump sum investing, emphasizing its ability to reduce anxiety and manage market volatility. Listeners get practical advice on IRA rollovers and strategic retirement planning, making this a must-listen for anyone navigating financial decisions.
AI Snips
Chapters
Transcript
Episode notes
Passive Investing Bubble Reality
- Passive index investing dominates U.S. inflows but still only represents about 10% of global equity markets.
- Price discovery still exists since every share bought must be sold by someone, preventing a pure passive bubble.
Aggressive Investing in Roth IRA
- Invest your Roth IRA more aggressively since it typically has the longest investment horizon.
- Allocating Roth IRA to all-stock index funds is reasonable if other accounts already contain bonds.
Diversify Retirement Portfolio Thoroughly
- Include small and mid-cap stocks and sector diversification besides large-cap indexes.
- Add treasury, corporate, and collateralized loan obligations bonds plus REITs and energy pipelines for income and inflation hedging.