Kristen’s financial advisor charges a 1.3 percent fee on her investments. They also sold her term life, whole life, and long-term disability insurance. Do they have her best interests at heart?
Casey has $290,000 in student loan debt. He committed 10 years to one employer for a chance at public service loan forgiveness. But five years in, Casey questions what he’s missing out on.
Sara feels like it’s time to move to a more conservative asset allocation but she’s torn between buying bonds from Vanguard or Treasury Direct. What’s the difference anyway?
Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode.
Enjoy!
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Chapters
00:00 Introduction
09:35 Understanding Bond Valuation and Open Market Dynamics
19:04 Teeter Totter of Stocks and Bonds: A Misconception
27:32 Interest Rate Dynamics in Bond Investments
35:35 Bond Prices and Fluctuations with Interest Rates
44:47 Long-Term Investing: The Definition of Conservative
54:03 Inflation, T-Bills, and Asset Choices for Retirement
01:02:34 Rebalancing Strategies and the Importance of Liquidity
01:10:28 The Danger of Timing the Market: Lessons Learned
01:18:58 Conclusion: Community, Money, and Opportunities
Негізгі бет The Hidden Cost of Student Loan Forgiveness
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