The Investor Coaching Show with Paul Winkler The Investor Coaching Show

Can your portfolio survive a downturn in 2024? Today, Paul tackles this question with some information about the history of market downturns, what kind of portfolios have fared the best, and how your portfolio should shift as you come closer to retirement. Later in the show, Paul walks through what is most important for his clients to understand as they walk through the financial planning process.
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Evan brings in annuities products where you participate in both the upside and downside of the market. Paul and Evan talk about how bizarre this product seems and allows you to choose how much risk you are willing to take and explain where this product fits with Fixed Income Annuities and Variable Annuities. Evan bemoans the fact that somehow insurance companies have figured out how to add market-timing to an annuity product. Later in the episode, Paul shares a gold advertisement and breaks down the strategies being used in it to make misleading claims about gold performance.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

If you’re happy with the income you’re making and you see your portfolio going up, you’re pretty likely to think that your investments are doing well. However, positive returns don’t mean positive performance in your portfolio. Today, Paul explains why learning how to read your portfolio statement unlocks your ability to make the right decisions for your financial future and if your investments are on track. Evan talks about the power of compounded interest and why seeing your portfolio go up can trick investors into relaxing about money and miss out on huge returns. Paul and Evan explain why the alternative to being educated is trusting an industry that depends on stock picking and market timing. Later in the episode, Paul talks about Netflix withholding subscriber data from investors and how some of the markets largest companies aren’t invincible. 
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today, Paul, Evan, and Ira talk about how frustrating it is that the average agents and investors are fooled into investment strategies that sound better than they are. Listen along as Paul shares about an investor who was offered an annuity but the salesperson described it like it was Roth IRA. The advisors also talk about how common Roth conversions have become and why they aren’t right for everyone. The investment industry is working to convince you that there are ways to get wealthier without risk. If you believe them, you become a target for a product they’re trying to sell. Later in the episode, Evan brings up the 10-year rule on RMDs for inherited IRAs. 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today, Paul talks about his most recent webinar on Social Security and why it’s fairly rare to find education in this industry without a sales pitch. Listen along as Paul covers some important Social Security topics like filing early versus filing late, taxes, spousal benefits, and whether he believes Social Security will be around in the future to offer benefits. Later in the episode, Paul teaches about commodities and talks about why you should be wary of any sales pitches that claim to be a better option than investing in equities.
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Paul brings an article from WSJ called “Will Banks Finally Have to Pay You More For Savings?” and explains why inflation and interest rates increases on deposits don’t exactly mean higher returns for savings accounts and CDs. Listen along as Paul explains some of why large banks like JPMorgan Chase aren’t sure where things are headed and how much they will be able to offer on these products. All in all, banks are still not a reliable place for large deposits, if you’re looking for returns that beat inflation.
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.