Money For the Rest of Us Money For the Rest of Us

We consider four case studies in which individuals struggle to decide what to do with their investment portfolios.

Topics include:Why it's so difficult to reenter the stock market after sitting on the sidelines and what to do insteadWhat are the risks of having a too aggressive portfolio allocation in retirement and what to do insteadWhat to do when an investment strategy has worked really well but you feel it is time to make a changeHow to decide on an appropriate portfolio mix after a significant financial change


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Related Episodes

306: Three Approaches to Asset Allocation

401: Why Diversifying Your Portfolio Feels Awful




Show Notes

Case studies were pulled from the following Plus episodes:

287 Plus: Coronavirus Update, Mid Month Investment Conditions and Overcoming the Fear of Investing

306 Plus: Member Profile, Bond Investing, and Emerging Technology

310 Plus: Mid Month Update and a Member Wants to Reallocate from Growth Stocks

331 Plus: Member Profile, Tail Risk Protection, Rental Real Estate as Bond Substitute, and YYY ETF

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What you need to know to confidently invest in bonds.

Topics covered include:Key components of bond investing include face value, coupon rates, yield-to-maturity, duration, and convexityHow to decide between owning longer-term or short-term bondsHow to decide whether to own individual bonds or bond funds and ETFsWhen to use active bond management versus bond indexingHow bullet bond ETFs work and when to use themHow to know when to invest in municipal bonds and corporate bondsWhen should you own foreign bondsShould you own bonds in taxable or tax-deferred accountsA bond case study based on current interest rates


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Show Notes

A Complete Guide to Investing in I Bonds and TIPS—Money for the Rest of Us

Investments Mentioned

iShares 20+ Year Treasury Bond ETF (TLT)

Vanguard Short-Term Treasury ETF (VGSH)

iShares® iBonds® Dec 2025 Term Treasury ETF (IBTF)

iShares® iBonds® Dec 2025 Term Corporate ETF (IBDQ)

Vanguard Total Bond Market Index Fund ETF (BND)

Doubleline Total Return Bond Fund (DBLTX)

Related Episodes

337: Why in the World Would You Own Bonds?

378 Plus: A Frustrating Time To Invest and Did Bulletshares Underperform?




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How sophisticated AI apps from OpenAI and other companies create articles, art, and other works that have never existed. How generative AI will impact business owners, employees, students, and financial markets.

Topics include:How AI is creating personal finance articles and other creative worksChatGPT's attempt at writing a script for the Money For the Rest of Us podcastHow ChatGPT and other large language models workWhat are the risks and flaws of generative AIHow can we adapt and take advantage of generative AI


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Show Notes

We Are Here To Create: A Conversation with Kai-Fu Lee—Edge

CNET Is Quietly Publishing Entire Articles Generated by AI by Frank Landymore—Futurism

CNET Money—CNET

Should You Break a CD Early for a Better Rate by AI engine and edited by Jaclyn DeJohn—CNET

NerdWallet, Inc. Q3 2022 Earnings Call—NerdWallet

OpenAI

The Backstory of ChatGPT Creator OpenAI by Berber Jin and Miles Kruppa—The Wall Street Journal

GPT-3.5 + ChatGPT: An illustrated overview by Alan D. Thompson—Life Architect

AI-generate answers temporarily banned on coding Q&A site Stack Overflow by James Vincent—The Verge

Alarmed by A.I. Chatbots, Universities Start Revamping How They Teach by Kalley Huang—The New York Times

A Coming-Out Part for Generative A.I., Silicon Valley's New Craze by Kevin Roose—The New York Times




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We analyze the worrisome national debt situation in the U.S., UK, and Japan and consider what will determine the likelihood of default

Topics covered include:How big is the national debt in the U.S., UK, and JapanWhy Japan and UK interest rates have increasedWhen do federal government debts jump the mostWhat two numbers are key to whether a level of national debt is sustainableWhat are five ways indebted countries have reduced the relative size of their debtWhy quantitative easing is not a solution to a national debt crisis


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Show Notes

Debt to the Penny—U.S. Treasury Fiscal Data

Federal Debt and the Debt Limit in 2022—Congressional Research Service

Can the Central Bank Alleviate Fiscal Burdens? by Ricardo Reis—London School of Economics and Political Science

UK government debt and deficit: June 2022—Office for National Statistics

Japan's Experience with Yield Curve Control by Matthew Higgins and Thomas Klitgaard—Liberty Street Economics

What is the national debt?—U.S. Treasury Fiscal Data

Major Foreign Holder of Treasury Securities—Treasury International Capital System, U.S. Treasury

The Liquidation of Government Debt by Carmen M. Reinhart and M. Belen Sbrancia—International Monetary Fund




Related Episodes

295: Federal Reserve Insolvency and Monetizing the National Debt

338: The National Debt, Inflation, and the U.S. Dollar—What Could Go Wrong?

360: Will the U.S. Default? Debt Ceilings, Government Shutdowns, and the National Debt

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We kick off 2023 by answering your questions on making portfolio changes, risk tolerance, the strong dollar, inflation and retirement, influential books, and other topics.

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Episode Sponsors

Thanks to LinkedIn for sponsoring the episode. Use this link to post your job for free on LinkedIn Jobs.

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How public equity REITs differ from private REITs. Why investors are selling out of private REITs and why private REIT sponsors like Blackstone and Starwood are limiting investors' ability to do so.

Topics covered include:What are public and private real estate investment trustsWhy has Blackstone's BREIT been such a successWhy investors are trying to exit private REITsWhy commercial property values are fallingIs now a good time to invest in public and private REITs?


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Show Notes

How the gates closed on Blackstone’s runaway real estate vehicle by Antoine Gara, Sujeet Indap, and Kaye Wiggins—Financial Times

Investors Yank Money From Commercial-Property Funds, Pressuring Real-Estate Values by Konrad Putzier and Peter Grant—The Wall Street Journal

How the gates closed on Blackstone’s runaway real estate vehicle by Antoine Gara, Sujeet Indap, and Kaye Wiggins—Financial Times

Investors Yank Money From Commercial-Property Funds, Pressuring Real-Estate Values by Konrad Putzier and Peter Grant—The Wall Street Journal

Property Insights: Roller Coaster by Michael Knott—Green Street

Rising Interest Rates Threaten to Expose Office Buildings’ Inflated Values by Konrad Putzier—The Wall Street Journal

Why Blackstone’s $69 Billion Property Fund Is Signaling Pain Ahead for Real Estate Industry by John Gittelsohn and Patrick Clark—Bloomberg

Blackstone’s $70 Billion Real Estate Fund for Retail Investors Is Losing Steam by Dawn Lim and John Gittelsohn—Bloomberg

Related Episodes

183: How To Invest In Commercial Real Estate

230: Use Caution With Real Estate Crowdfunding

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