Q&A: Which Investments Should Go Into Which Accounts?
whatshot 18 snips
Jul 2, 2025
Listeners dive into the complexities of investing with insights on annuities and opportunity costs. The tension between investment flexibility and long-term security is explored, raising intriguing questions about portfolio management. The discussion highlights the importance of optimizing asset location across different accounts for tax efficiency. Strategies for navigating the efficient frontier add a layer of clarity to investment planning, while the hosts emphasize the need for financial education and thoughtful management of diversified portfolios.
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Weighing TIAA Annuity Opportunity Cost
Consider the opportunity cost before committing to a TIAA traditional annuity despite its guaranteed returns.
Balance your portfolio risk by combining aggressive stock allocation with conservative annuity income streams.
insights INSIGHT
Annuity Income Eases Spending Anxiety
Guaranteed annuity income resembles Social Security in providing predictable base-level spending capacity.
This can reduce retirement spending anxiety by mimicking lifelong income flow, increasing happiness and financial confidence.
insights INSIGHT
Annuities Are Insurance Contracts
Annuities are insurance products that transfer control, promising security at the cost of some returns.
Insurance companies profit by managing payout risk, so guaranteed returns are generally lower than market potential.
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The Simple Path to Wealth
The Simple Path to Wealth
Your Roadmap to Financial Independence and a Rich Free Life
J L Collins
J.L. Collins' "The Simple Path to Wealth" provides a straightforward, easy-to-understand guide to achieving financial independence. The book emphasizes saving a significant portion of income, avoiding debt, and investing in low-cost index funds. It encourages readers to focus on long-term growth and avoid the complexities of market timing or active trading. The book's simple yet effective principles have resonated with millions of readers, making it a highly popular resource for those seeking financial freedom. It's a timeless guide that empowers readers to take control of their financial future.
#621: Jared is attracted to the favorable terms of the annuity plan that his employer offers, but he’s hesitant to pay the opportunity cost of locking up his money now. What should he do?
An anonymous caller is struggling to find the efficient frontier with only three funds to choose from in his Thrift Savings Plan. Is there any hope for him?
Jack feels great about the funds in his portfolio, but he’s losing sleep over how to apportion them between his taxable, pre-tax and Roth accounts. What’s the best tax strategy for him?
Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode.
Afford Anything 