The Rob Berger Show

Retirement withdrawal strategies are about a lot more than just the 4% rule or safe withdrawal rates. To better understand how they work and how you can apply them to your retirement, this video walks through 7 rules I follow when it comes to spending down your investments in retirement.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF), we have five more great questions sent in by viewers:1. Should we think of dividends as guaranteed income?2. Should we invest in our HSA the same way we invest in our Roth IRA?3. How should you pay tax on a Roth Conversion?4. Should you get long-term care insurance?5. Should our investing strategy change as our wealth rises?WSJ Article on LTC insurance: https://www.wsj.com/personal-finance/...Fidelity Alternative Investments: https://www.fidelity.com/go/alternati... Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this video, I'll describe my approach to investing in uncertain times. To do so, I'll enlist the help of the D.C. subway system, Sir Isaac Newton, and the 1970s.The 60/40 Solution: https://www.safalniveshak.com/wp-cont...Sir Isaac Newton Paper: https://www.sfu.ca/~poitras/cjh_newto...The Telegraph Article: https://www.telegraph.co.uk/news/ukne...Stocks for the Long Run: https://amzn.to/4hyy0hzStay the Course: https://amzn.to/4hq4HOh150 Years of Stock Market Crashes: https://www.morningstar.com/economy/w...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF), we cover the following:1. Some thoughts on how to hire a financial advisor2. Whether to consider Medicare premiums in your Roth conversion analysis3. How Social Security should affect our asset allocation in retirement4. How variable income should affect how we invest5. Whether I sold U.S. stocks to buy International stocks this year.Resources mentioned in the video:Boldin: https://go.robberger.com/new-retireme...ProjectionLab: https://go.robberger.com/projectionla...List of Low Cost Advisors: https://robberger.com/low-cost-financ...My newsletter signup: https://robberger.com/newsletter/Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this video, I'll share with you my current investment portfolio, including a big change I made in our traditional retirement accounts. I'll also share an update to my free investment tracking spreadsheet.https://robberger.com/investment-trac...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

With stock valuations near all-time highs in the U.S., many people are asking whether we should reduce or exposure to stocks. In fact, a recent Vanguard market outlook report concluded that a typical 60/40 retirement portfolio may be too rich, and that a 40/60 portfolio is a better option in this valuation environment.This video is my take on all of this.Resources:Vanguard Report: https://corporate.vanguard.com/conten...Bogleheads Forum Post: https://www.bogleheads.org/forum/view...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Welcome back to another edition of Five Question Friday (FQF). Here are today's questions:1. What bond funds do I use in my portfolio?2. Do you really need an emergency fund?3. How does living off interest work with Bengen's 4% rule? 4. How to track money market funds in my investment tracking spreadsheet?5.  Are money market funds better than intermediate-term bond funds?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Warren Buffett recently sol 100% of the two S&P 500 index funds Berkshire Hathaway owned, including Vanguard's VOO. In this video, we'll look at whether we should too.News Article: https://www.investors.com/etfs-and-fu...Berkshire's Stock Holdings: https://www.dataroma.com/m/holdings.p...Berkshire's Net Stock Sales: https://x.com/dividend_data/status/18...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this engaging discussion, the host examines whether Fidelity funds can outperform a Vanguard three-fund portfolio, revealing surprising results since COVID. The intricacies of fund-of-funds expense ratios are unpacked, alongside insights on DIY approaches to target-date funds. A thought-provoking look at the 4% withdrawal rule suggests potential for higher rates later in life. Finally, the debate around Vanguard's new 40/60 allocation recommendations raises essential questions about portfolio composition and retiree income strategies.

Get 10% off the cost of ProjectionLab with promo code RBERGER-10 using this link: https://go.robberger.com/projectionla....In today's video, we'll look at the following features of ProjectionLab:1. Export/Import Data2. Income/Expense3. Tax Analytics4. Drawdowns5. Bond AllocationJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...