RBS 183: 2025 Annual Portfolio Review Checklist

We start this week's Five Question Friday (FQF) with a question about whether a 2% investment fee is crazy. Here are the five questions:1. Am I crazy to be paying a 2% fee to manage my investments at Morgan Stanley?2. Can you analyze 100% BND versus 50% BND and 50% VIPSX.3. In Boldin, what are you setting as projected returns?4. How should I invest if I don't need the money in retirement?5. Is direct indexing worth the cost and complexity?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

With five years to go before retirement, there are several steps you can and should take to prepare. In this video, I'll cover 13 things to consider as your retirement date draws closer.Resources mentioned:Boldin: https://go.robberger.com/new-retireme...Tiller: https://go.robberger.com/tiller/yt-5-...Rocket Money: https://go.robberger.com/rocket-money...Lunch Money: https://go.robberger.com/lunch-money/...Vanguard Asset Allocation: https://investor.vanguard.com/investo...Open Social Security: https://opensocialsecurity.com/Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

At least once a year it's important to review your investment portfolio and make any necessary adjustments. Here are the 10 things I check every year:1. Write down your planned asset allocation2. Compare your actual allocation to your plan3. Evaluate individual holdings4. Evaluate your asset location5. Confirm you have beneficiaries listed for each account6. Check your performance for the past year7. Check for excessive stock concentration8. Evaluate your advisor relationship & fees9. Make sure you have 2FA on all financial accounts and email10. Evaluate if you can simplify your portfolioResourcesEmpower: https://go.robberger.com/empower/yt-y...Investment Tracking Spreadsheet: https://robberger.com/investment-trac...Morningstar: https://www.morningstar.com/ETF Overlap Tool: https://www.etfrc.com/funds/overlap.phpJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Welcome to this week's edition of Five Question Friday. Here are the questions we'll be covering today:1. Should you include the value of your home in your asset allocation?2. Should we tilt our portfolio to 10% SCV?3. After-Tax Asset allocation4. Tips Ladders vs ETFs: If for example we had 500k for our fixed assets portion of our portfolio, what are your thoughts on building multiple TIPs ladders with all 500k to meet our retirement goals vs. a more diversified mixof t-bills, CDs, Agency, Corporate, and TIPs?  I am leaning toward the more "diversified mix."5. Roth conversions and Rate of Return AssumptionsResources:Boldin: https://go.robberger.com/new-retireme...Bolgeheads' Wiki: https://www.bogleheads.org/wiki/Tax-a...Reichenstein Article: https://www.financialplanningassociat...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Morningstar recently released its annual State of Retirement Income report. According to its calculations, the new safe withdrawal rate is 3.7%. The report offers some excellent data and analysis that can help us as we build our retirement income strategy.Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Over the past four years I've received tens of thousands of questions about investing from viewers. I've assembled 9 of the most frequently asked questions in this video. Here they are:1. Should you pay off debt or start investing?2. How do I get started investing?3. Is 100% stocks a reasonable portfolio?4. S&P 500 vs Total Stock Market Index5. Why do I need international stocks?6. Should I invest in Bitcoin?7. How do you know when you can retire?8. Lump Sum vs DCA9. How can I increase my savings rate?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Welcome back to another edition of Five Question Friday. For this FQF, we cover the following five questions:1. Should we wait to invest until stock valuations come down?2. Does it matter if we pay the tax on a Roth conversion from a taxable account?3. Are dividend stock ETFs a reasonable alternative to bonds?4. Why is the 3 bucket portfolio so popular?5. Should are planned spending in retirement be based on a percentage of our pre-retirement income?Best retirement planners: https://robberger.com/best-retirement...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Do retirement planning tools calculate the same chance of success if given the same retirement plan? That's what I wanted to know, so I compared Boldin, Pralana and ProjectionLab. The results shocked me.Boldin: https://go.robberger.com/new-retireme...Pralana: https://go.robberger.com/pralana/yt-c...ProjectionLab: https://go.robberger.com/projectionla...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this Five Question Friday (FQF), we'll be tackling the following viewer questions:1. Is a 100% stock portfolio the best option during retirement?2. How does the 5-year rule on Roth conversions work?3. Should long-term investors invest in bonds?4. How do backdoor Roth IRA conversions work?5. What are my favorite personal finance books to give as gifts during the holidays?Resources Mentioned in the Video:Retire Before Mom and Dad: https://amzn.to/3OQL0DABig ERN's response: https://earlyretirementnow.com/2024/0...SWR Toolbox: https://earlyretirementnow.com/2018/0...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this week's Five Question Friday, we look at several important retirement planning questions:0:00 - Intro0:45 - Should our asset allocation change if we have a much younger spouse?7:45 - Should a pension represent the bond portion of a portfolio?10:30 - What types of ETFs should go in taxable accounts versus retirement accounts?14:13 - Should we prefer Roth conversions over investing in a taxable account?17:31 - Should we prefer Roth conversions if we plan to use the money for long-term care?Boldin: https://go.robberger.com/new-retireme...Pralana: https://go.robberger.com/pralana/yt-fqfProjection Lab: https://go.robberger.com/projectionla...Open Social Security: https://opensocialsecurity.com/Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...