How to Invest in a Bad Stock Market | Live Q&A

[@dans9228]

Thank you for taking the time to provide a timestamp for each topic!

[@noveltyrobot]

100K subs incoming!!! The teacher is here and the students are finding him.

[@Harry_16710]

Another winner, Rob - especially the discussion about the complexities behind a Roth conversion. Thanks!👍🏼

[@bridgecross]

3:34 I recently went through a similar process (moving a 401k from an old employer to a new account) and was shocked that the process involved sending checks through the mail. It's a bit harrowing, having that much of your net worth just on a piece of paper handed to the post office. Why can't these big firms transfer the funds electronically?

[@cesarpenailillo6627]

I do enjoy your videos

[@brianjp18]

And thanks for the time stamps!!!

[@calbob750]

3.3%, 4.0%, 4.7%. As a point of information If you have a conventional IRA and the RMDs start, they go from 3.91% at age 72 up to 8.77% at age 90 wether you want to take the % withdrawal or not. Of course the RMD calculator goes beyond age 100. Seems like a good reason to have a ROTH IRA and avoid the mandatory withdrawals. Also in a down market you still have to take RMDs.

[@aliox1941]

If using a 3 stock portfolio- would it be a reasonable strategy to have the bond fund and the international stock fund but then have the S&P 500 or the Total Stock Market be an ETF where you could put in a trailing stop to be able to get stopped out in market crashes with the idea to pick it back up after a bottom could be put in?

[@brianjp18]

In your Roth conversion video can you please include needed forms to fill out come tax season to report conversion?

[@jonny6758]

Hey Rob would you recommend tips or I bonds thanks I seen here didn't mention much of it but thank you 👍👍👍

[@UserName-pi9no]

Go Bucks!

[@wilma6235]

@RobBerger I would like to see the guard rail withdrawals

[@lindapatrick2676]

Does VSIAX have a corresponding ETF? Thanks!

[@NoName-hs3sf]

Yes it’s vti

[@erena4152]

Vanguard Small Cap Value Index Admiral VSIAX Vanguard Small-Cap Value ETF (VBR) Vanguard Small-Cap Value ETF seeks to track the performance of a benchmark index that measures the investment return of small-capitalization value stocks.

[@susanandre1776]

I keep missing the livestreams to ask my question so I’ll ask it now in hopes you’ll see it. I have a fund I can select through work that guarantees me 2.75% (minimum) per year that I’ve selected instead of bonds. It theoretically goes higher when interest rates do. Ok alternative to bonds? (Since I still don’t have a strong grasp on them?) I plan to work for 8 more years and hope to be able to support myself and my almost-retired older husband through my job/then subsequent pension and social security alone. I’m currently 45% invested in it because I don’t trust the market right now!

[@edwardhayes6111]

I wish I had that option ! Would definitely do it as long as it was safe.

[@susanandre1776]

@@edwardhayes6111 thanks. Guaranteed by the college district I work for so 🤞🏻

[@lindapatrick2676]

What do the Morning Star ratings mean to you? Also, do you have a video on RMD withdrawals and what to do with money?? Thanks much!

[@SV-lq3yn]

Rob, can you talk about having only Wellington fund for my retirement. I feel that it has adequate international stocks

[@sdavidangelini]

What is your opinion of active vs passive international funds? I’m told they are too complex for index funds.

[@srconrad]

Second guess, "ROUND"! 😁

[@fastdeliveryl708]

Im just holding my s&p 500… not selling. Atleast i will hold for 20 yrs

[@bishamuesmus301]

Hi rob, I believe that if you have to question how they even make money on their product then it is safe to assume that they are selling your data in some form in quite a lucrative manner to advertisers like google.

[@Kayla11113]

@RobBerger Is it a good idea as one’s income gets lower toward retirement would it be better to invest in a Roth IRA instead of Traditional the last 5 years and then use it before using the Traditional IRA?

[@vanguardvaluist2614]

Maybe. It depends on your situation and WHY you might do it. I'm increasing my Roth contributions over the last 5 years as I am willing to wait 10+ years before accessing the money. It needs time to grow! Also I'm heavy currently in my Trad IRA so I want to have more Roth assets available so I can "sip" if needed to manage my taxes and earned income amounts to max ACA subsidies until I hit age 65 Medicare.

[@garyw561]

Hi Rob, like the content, but usually working during your live Q&A show. I’ve been talking to some people that have already retired and they tend to spend more money during their 60-70s and slowly spend less as they age. Some have even said they wished they had spent more on a special vacation or something early on as they are too old now to enjoy. So regarding the 4% Rule, it doesn’t factor in these different phases of retirement where early on you are more active and will spend more and slowly spend less as you age. It is assuming a steady state spend rate. Any thoughts on a way to plan on spending more early in retirement with a plan to spend less late in retirement?

[@charlielipthratt7291]

You spend less on fun as you age, but spend more on healthcare.

[@garyw561]

@@charlielipthratt7291 Possible, but the people I've talked to in their 90s now hardly spend any of their investment portfolio and live off other income, Social Sec etc... so they are basically at 0% spend not 4%.

[@kona6451]

Jan 6th just a "demonstration" WTF. NO!!!

[@850mph]

Number One STRATEGY to investing in a “Bad” market is to simply sit it out in CASH... When transaction costs were involved in setting up a portfolio... it made sense to stay invested albeit within a risk-adverse allocation- because trying to time the market was a fools game once transaction costs were computed into the total return.... that was then.... this is now.... With transaction costs literally ZERO, it makes morse sense to sideline the funds at times of high headline uncertainty, and reinvest only after things cool down. The ONLY allocation which will not suffer if the general trend of the market is down is Cash. I think in a world of ZERO commissions, market timing can be quite profitable.

[@850mph]

This STRATEGY requires a “reverse mind-set” from the historical norm of the last 70 years (since the advent of CapM) ie: Stay UNINVESTED 90% of the time , and only jump in to the market when positive return probability (however you measure it) looks favorable. This is quite literally the REVERSE of what every book and all the financial advisors have recommend for the last 70 years.

[@freedomlife3623]

I think the reason you are not worrying about US democracy decline is you are White, Mr. Berger. Still like your show and thanks for all the information.