RBS 193: My Portfolio Update And Changes to the Investment Tracking Spreadsheet (March 2025)

According to the latest report from the Board of Trustees of Social Security, it will become insolvent in 2033. Without money in the trust fund to bolster tax receipts. The Social Security Administration will only be able to pay out 79 cents on the dollar in benefits.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Retirement planning requires that we make a lot of assumptions about the future. From all of these assumptions and other data, most software spits out a "Chance of Success." That number can make the future appear more certain than it is. In fact, many people make some big mistakes with their retirement plans.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Welcome to Five Question Friday! Here are the questions we'll cover in today's video:1. Should You Build a TIPS Ladder in Retirement?2. Are Vanguard's LifeStrategy Funds a Reasonable Choice in Retirement?3. Is the 40/60 Portfolio the New 60/40 Portfolio?4. How many investment brokers do I use?5. How to rebalance across different account types?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF), we tackle these five fantastic questions:1. What financial apps are worth paying for in or near retirement?2. How do you enter money market funds into your investment tracking spreadsheet?3. Is it safe to link accounts to apps?4. Can you comment on Bill Bernstein's comment that if you've won the game, stop playing?5. Is Larry Kotlikoff's criticism of Boldin justified?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

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...