Rob, I use SGOV ETF to park my IRA and brokerage account cash. It pays SEC 4.48% with a Fee of 0.09%. Your thoughts?

Another option would be a T-Bill ETF like SGOV

What about T-Bill ETFs like USFR or TFLO? Aren’t they better or equal to any MM fund or such. That’s where I park cash…am I missing something?

TTOXX

Thank you so much . Your explanations are simple and clear . Just found you on KZbin, and subscribed. I am 60 yo and retiring in the next 2 yrs. I just sold my esop came thru and I have a sum of money to invest for my retirement. I was considering an advisor, or possibly doing it on my own . The fees they charge are huge numbers and after researching, and your video's I think it can be done effectively on my own . I am not extremely knowledgeable about market , and most want a hands off investment scheme. The 3 fund model is something I will definitely consider. Thanks for the help..

VMFXX- Vanguard money market fund 4.36%

I am out of the market now. Recent history proves a recession and significant market drop is expected during a Republican administration. Btw, this is not a political statement, it is a fact. I am standing by like a hungry vulture. So is Warren. You heard it here first.

Timely question. Thanks.

Waiting for a crash makes a big difference if you have a lump sum to invest and plan to withdraw the dividends to live off of. For the S&P 500 Index since 1994, the additional return each year is about equal to 30% divided by the subsequent period. For example, if you buy the year's low vs the high, you are likely to make 3% more each year over the subsequent 10 years (30% divided by 10 = 3%). Over the next 30 years it works out to less about 1% more each year on average (30% divided by 30 = 1%). In other words, the benefit at buying at the low versus the high washes out the longer the subsequent holding period. If on the other hand, you are investing as you go and reinvesting dividends as you go, then it makes little difference on your timing and waiting is a terrible idea.

You can mimic the Vanguard life strategy portfolio by buying the 4 funds yourself at a lower expense ratio.

1/8/25 - Shiller Cape Ratio 36.98

Thank you Rob. I really appreciate your explanations. You are doing good work in the world.

My Treasury portfolio is 7+10 year treasuries. I have monthly income from the 7 year and quarterly income from the 10 year treasuries. For extra cash I put in SGOV. They pay monthly and I like it. I'm now going to enjoy a safe income for 6 to 10 years. I'm in control of my money and have access to it all if needed.

Most people don't enjoy their work that much.

Could you keep a Fidelity Cash Management Account inside of a Fidelity ROTH IRA so the returns are tax free?

I have a SOLO corporation. can I open a business account?

Curious Rob, your thoughts on this new Vanguard offering: Vanguard Will Expand Its Fixed-Income Offering with the Launch of the Vanguard Short Duration Bond ETF (VSDB), an Actively Managed Fixed-Income ETF to Be Managed by Vanguard’s Fixed-Income Group.

On that 100% stock allocation. If you run the analysis with a diversified stocks scenario instead of S&P500, that will give you a different outcome.

I make 102k a year slowing going up I have 50k in debt alone everything has went to collections should I file bankruptcy or try to pay it off ?

Is there a free tool or quite affordable that can do the following: (1) Allow user to specify an index / fund / etf, (2) Allow user to specify the dollar value at the start and (3) allow user to invest X dollars at a regular interval, weekly / monthly, etc. Ask the tool to chart out the performance over the life of the portfolio.

Can you pls do a review of BND vs EDV? Also what would be a good % to invest

If you are not physically working ... are you really working? I have a physically demanding job in manufacturing ... I am going to retire....

Interesting way to look at reward points and use compounding to increase its value. I am setting up a Relay account for my small business banking and will no longer have the ability to use my rewards card to pay for business expenses. Do you know of a way to continue to use a rewards card while using Relay banking or do you have another banking suggestion?

I could see the govt taxing Roth IRAs.

This is really make sense to me.

This was fantastic!....explained a ton....thank you

Great video. I love the simplicity. My retirement accounts are a 401k and roth ira. I have a taxable brokerage account for the extra money that I save, especially since I max out my retirement accounts every year. 80% is voo, 10% are individual stocks (what I like to call my play money), and 10% cash. Im 20 years away from retirement so I can see this third bucket grow plenty. I just don’t know wher else to put my extra money. I guess it’s a good problem to have.

My husband retired at 50 he loves it. I’m still working plan on retiring at 62 or 65 just depends 😊

Good for you. Don't reture and leave the rest of us alone!

Rob, congrats re: last night!

I STILL USE MY ADVISOR. I have. 10 yes 10. accounts invested. 7 are managed by me, and 3 by my manager. To decide if I should move, calculate 3 and 5 year return and compare professional managed to my managed accounts. He still beats me after fees. Until I beat him, I must continue to use him. Note he does incur short and long term gains, so somehow include them in your calculations.

I will retire year at the age of 59. God willing, l have 25-30 summer left in my life. I don’t want to spend the latter part of my life working, stressing, clocking in, and deadlines. I will be traveling, resting, reading, going to the gym, spending time with family, friends, and my pets, volunteering, and focusing on self care! 🧘🏽‍♀️💃🏾💅🏾✈️

Why is the "present value of this proposed solution" less than if you were to add up the totals in the table shown below in the "Year by Year Benefits Amounts"?

My mother's advice was "Buy a house which you can afford." At 21, I purchased a old house, one bedroom for $2,400 cash. I was making $1.77 an hour. I have never paid rent or lease in my lifetime. Don't worry about retirement. 😂😂😂😂 ❤🇺🇸❤

Go Bucks! 🏈

Why have Financial Freedom if you can't retire😂😢😮😅😊

I plan to retire at the end of 2025 at 62 after 36 years in Telecom as a sales engineer. My wife will retire in May 2026 and she's loving life! But walking away from a good income stream and building the nest egg to living from the nest egg is a scary proposition couple with the alarming recession and CPI report

What does separation of bonds, Ref and stocks for tax purposes. If wanted to separate them would I need two or three separate account for bonds and stocks for tax purposes? Just trying to understand as a first time investor.

Rob B still doesn't get it for Madoff was the Fall Guy and simply doing what they all do at that level.

Fail to see the point of this. Plenty of on line high yield savings accounts that offer better rates than this market fund and still include FDIC insurance.

Is there a bond fund that's guaranteed to not lose money, but might not have the highest yield either?

Can someone help me? I made a withdrawal 5 days ago and it hasn't arrived.

Doing something you love is ok. Another reason for earning a little extra might be to qualjfy to contribute to a Roth if you're young. Even though my first dollar earned would be taxed at 24%, I would like to be able to contribute to a Roth in early 50s.

I'm in TN. I did my first Roth Conversion in December 2024. I paid my tax on that conversion from cash I had using the EFTPS website the same day I did my conversion. My question is for the annual income tax return are there forms other than the 1040 that I will have to fill out for the IRS since I did this Roth Conversion. I'm having a hard time finding that answer on KZbin. Do you do your own annual income tax return or hire someone to do it? Thank you

I thought the Bengen 5% rule was about having a portfolio in perpetuity, not 30 years.

Love the content. Quick question. Re TIPS at 11:54 , please discuss how one could evalulate the duration risk on the 30 year yieldling 1.68 vs the 5 year at 1.59.

Man, this stuff (info/advise) is pure gold! Thank you Mr. Berger.😁

Which level of Boldin do you suggest? Free? Or PlannerPlus?

VSTIAX has only been around since 2011. It seems your projections were way off for that fund.

I hold a large amount of VASGX in a brokerage account. Is this a bad idea?