The Rob Berger Show

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Rebalancing an investment portfolio doesn't need to be difficult, and it can actually increase your returns over time. Specifically, one study shows that Opportunistic Rebalancing can improve your returns by as much as 0.50%.In this video, we look at that study and walk through how Opportunistic Rebalancing works. I'll cover some things to consider as you construct your investment portfolio, and give you a free tool that makes rebalancing easier.Join the newsletter: https://robberger.com/newsletter/?utm...

Should you use some or all of your retirement savings to buy an income annuity? That's the question we look at in this video. Called a Single Premium Immediate Annuity, these annuities don't come with all of the fees and complexities of other annuity products. Yet it can still be difficult to decide if you need one, when you should buy it, and how much you should invest.In this video I'll share annuity calculators, an annuity formula and a number of resources that can help you decide whether an income annuity is right for you in retirement.Join the newsletter: https://robberger.com/newsletter/?utm...

Rick Ferri's Core-4 portfolios are built using low cost index ETFs and mutual funds. With just four funds in each portfolio, Rick has created 6 portfolios for just about any investor. One Core-4 portfolio is designed for those worried about inflation, while another for those seeking income. He also has his Classic Core-4, ideal for long-term retirement funds. In this video we explore all 6 of Rick's Core-4 lineup, along with specific funds you can use to implement any one of them. They are ideal for those wanting a Lazy Portfolio.Join the newsletter: https://robberger.com/newsletter/?utm...

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Vanguard released a paper claiming that advisors following its Alpha Framework can add up to 3% to an investor's long-term returns. Many advisors use this paper to sell their very expensive (1% of AUM or more) services. But is it legit?Here's the paper: https://www.vanguard.com/pdf/ISGQVAA.pdfJoin the newsletter: https://robberger.com/newsletter/?utm...

I was convinced I'd live Vanguard Digital Advisor. It seems to check all the boxes. It uses low cost index ETFs. The service itself has a very reasonable cost of about 15 basis points. And it rebalances your investments for you, as you would expect from a robo-advisor.After using the service, however, I reached a very different conclusion. There were numerous technological issues and its user interface is poorly designed. More importantly, it offers very few features and imposes limitations that make no sense.Frankly, it's nothing more than a dressed up target date retirement fund and twice as expensive.Join the newsletter: https://robberger.com/newsletter/?utm...————————————Video Resources————————————Vanguard Digital Advisor: https://investor.vanguard.com/advice/...Betterment: https://robberger.com/go/betterment/y...Vanguard Target Date Funds: https://investor.vanguard.com/investm...Morningstar Robo-Advisor Report: https://assets.contentstack.io/v3/ass...Disclosure: Both Vanguard Digital Advisor and Betterment are advertisers, but they had no input into this video or even knew that I made it. Vanguard Target Date Funds are not an advertiser.

Join the newsletter: https://robberger.com/newsletter/?utm...I'm going to cover the three tier system for earning credit card rewards. This is the system I've used over the past couple of years to generate nearly $30,000 in credit card rewards. We save and invest all of our rewards in M1 Finance. This system, however, can be used whether you save and invest the rewards like we do, or spend the rewards on travel or other purchases.The great thing about this system is that it's very simple, and it will help about 99% of the people maximize their credit card rewards without carrying a dozen or more credit cards. Tier 1 Credit CardsWells Fargo Active Cash: https://www.allcards.com/go/wf-active...Citi Double Cash: https://www.allcards.com/go/citi-doub...Fidelity Visa: https://www.fidelity.com/cash-managem...BofA Premium Rewards: https://www.bankofamerica.com/credit-...Tier 2 Credit CardsAmazon Prime Visa: https://www.amazon.com/Amazon-Rewards...Target RedCard: https://www.target.com/redcard/aboutWalmart Card:

The 60/40 Portfolio--Good, Bad, or Ugly? Article with resources: https://robberger.com/60-40-portfolio/The 60/40 portfolio has powered retirements for decades. With 60% stocks and 40% bonds, this balanced fund offers equity-fueled growth and fixed income stability.Today, however, many are calling into question the sustainability of the 60/40 portfolio. Some even argue that it’s dead and that retirees need take on more risk if they want to avoid outliving their retirement savings.In this video we’ll take a deep dive into the 60/40 portfolio and whether it’s still a viable approach to investing for retirees.

Join the newsletter: https://robberger.com/newsletter/?utm...————————————Video Resources & Timestamps————————————0:00 - Welcome to the Financial Freedom Show!3:50 - Very important question!5:00 - Including a Bond Index Fund or Bond ETF as part of a retiree's portfolio8:40 - Favorite local restaurant9:07 - Talking Real Money Guys/Morningstar9:57 - GNMA in a bond portfolio13:07 - Approach to bridge to access retirement accounts15:43 - Placing HSA dollars into investment vehicles rather than leaving in cash18:36 - How would one hedge holding other currencies, including digital currency?20:32 - How to hedge against the weakening U.S. dollar21:27 - Do I still need a Bond fund?29:14 - Set schedule for my live shows30:01 - How high of percentage inequities is best32:22 - If the market beats the percentage, why would we pay off our loan?36:01 - Am I better off using a brokerage account?37:35 - Assessing current equity valuations for excess care39:57 - Would I sell VTIP for BND or divide the fund equally between both?42:14 - Modifying a 3 fund portfolio to include more higher risk higher reward allocation43:42 - How to transfer your portfolio to other brokerages without triggering taxes46:18 - VIPSX vs VBTLX50:44 - Index maximalist54:30 - AUM (Assets Under Management)/Fiduciary58:38 - SCHY1:00:52 - Long Term Care Insurance1:05:04 - Would complexities in a portfolio become moot with Fintech innovation like M1 finance slices1:05:42 - Sub 3 withdrawal rate1:08:12 - Should I have a taxable account wi