Bogleheads® Live

Jorge Soriano CFP®, EA explains how to review an annuity, determine its fees, helping you decide whether to keep it.Show NotesImmediate AnnuitiesStan The Annuity Man®John C. Bogle Center for Financial LiteracyBogleheads® ForumBogleheads® WikiBogleheads® RedditBogleheads® FacebookBogleheads® TwitterBogleheads® on Investing podcastBogleheads® YouTube Bogleheads® Local ChaptersBogleheads® Virtual Online ChaptersBogleheads® on Investing PodcastBogleheads® ConferencesBogleheads® BooksThe John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated.

Show NotesDavid BlanchettBogleheads® Live Ep 5: Christine Benz on correlations & sustainable distributionsBogleheads® ForumBogleheads® WikiBogleheads® RedditBogleheads® FacebookBogleheads® TwitterBogleheads® on Investing podcastBogleheads® YouTube Bogleheads® Local ChaptersBogleheads® Virtual Online ChaptersBogleheads® on Investing PodcastBogleheads® ConferencesBogleheads® BooksThe John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated.

Dan Egan, VP of Behavioral Finance and Investing at Betterment, dives into the hidden conflicts of interest within robo-advisors. He explores how these automated platforms may compromise unbiased financial advice, discussing payment for order flow and its implications. Egan emphasizes the necessity for transparency in investment management, urging clients to be cautious of seemingly free services that may come with hidden costs. He also highlights the importance of personal engagement alongside technology in making sound financial choices.

Robin Wigglesworth discusses the history of index funds and his book, "Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever."Show NotesRobin WigglesworthTrillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance ForeverBogleheads® ForumBogleheads® WikiBogleheads® RedditBogleheads® FacebookBogleheads® TwitterBogleheads® on Investing podcastBogleheads® YouTube Bogleheads® Local ChaptersBogleheads® Virtual Online ChaptersBogleheads® on Investing PodcastBogleheads® ConferencesBogleheads® BooksThe John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated.

Sean Mullaney, a financial planner and CPA specializing in tax planning for early retirees, joins Cody Garrett, a financial planner focused on family financial education. They dive into tax strategies specific to early retirees, discussing the interplay of the Affordable Care Act with Roth conversions. The duo explores how Social Security earnings impact early retirement, and the importance of managing Modified Adjusted Gross Income. They also share insights on maximizing Health Savings Accounts and navigating state-specific tax laws for effective retirement planning.

Paul Merriman answers questions about small-cap value investing.Show NotesThe Merriman Financial Education FoundationWe're Talking Millions!Bogleheads® ForumBogleheads® WikiBogleheads® RedditBogleheads® FacebookBogleheads® TwitterBogleheads® on Investing podcastBogleheads® YouTube Bogleheads® Local ChaptersBogleheads® Virtual Online ChaptersBogleheads® on Investing PodcastBogleheads® ConferencesBogleheads® BooksThe John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated.

Mike Piper, a CPA and author specializing in Social Security planning, dives into the intricacies of Social Security benefits and retirement strategies. He addresses key questions from the audience, shedding light on tax strategies for early retirees like Roth conversions. Piper explains actuarial equivalents and their implications for singles versus married couples in terms of claiming benefits. He also discusses the optimization of filing strategies and the importance of clear communication in estate planning, providing practical tips for effective financial planning.

Dr. William J. Bernstein, an esteemed investment advisor and author known for his insightful books on asset allocation, discusses the power of sticking with a simple yet effective portfolio over a perfect one that's difficult to maintain. He dives into the psychology surrounding bond investments and the advantages of TIPS for younger investors. Bernstein also addresses the complexities of bond ETFs, emphasizing their risks and rewards. He reflects on his evolving investment philosophy, advocating for personalized strategies that blend mathematical insights with emotional intelligence in investing.

Dr. Sunil Wahal, a finance professor and director at Arizona State University's Center for Investment Engineering, unpacks the hidden costs of mutual funds that often remain overlooked. He discusses the impact of trading costs and how they can erode returns, using relatable examples for clarity. Wahal explains the challenges investors face during mutual fund redemptions and contrasts the performance of active versus passive funds. He emphasizes the importance of financial literacy, particularly regarding share lending and the benefits of lower-cost investment options like ETFs.

Eric Balchunas answers audience questions about his new book, "The Bogle Effect: How John Bogle and Vanguard Turned Wall Street Inside Out and Saved Investors Trillions."Eric BalchunasThe Bogle Effect: How John Bogle and Vanguard Turned Wall Street Inside Out and Saved Investors TrillionsFund Fees Predict Future Success or Failure