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A personal finance and investing podcast on money, how it works, how to invest it and how to live without worrying about it. J. David Stein is a former Chief Investment Strategist and money manager. For close to two decades, he has been teaching individuals and institutions how to invest and handle their finances in ways that are simple to understand. More info at moneyfortherestofus.com
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Money For the Rest of Us
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Which is Best - Active or Passive, ETFs or Funds?
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David has a fascinating discussion with Kristof Gleich about active management, indexing, and how ETFs and mutual funds really work. Topics covered include: Should individual investors even try to select active mutual funds Is there an indexing bubble Why are there so many new ETFs Should we be worried about an ETF flash crash What do ETF market ma…
"If something is profitable, it will be done," says Martin Wolf of the Financial Times. We explore how profits will drive the energy transition and how and where water from the Colorado River is used. Topics covered include: How profits have led to higher energy market share for natural gas and renewal energy What is hindering a faster transition t…
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Money For the Rest of Us
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Are More Bank Runs Coming? The Collapse of Silicon Valley Bank
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29:26
What caused Silicon Valley Bank to collapse in only 44 hours, and how likely will the contagion spread, leading to other bank failures? Topics covered include: How losses on bonds blew up SVB's balance sheet How is Silicon Valley Bank similar and different than other regional banks What the FDIC and Federal Reserve are trying do to restore confiden…
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Money For the Rest of Us
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A "Safe" 6% Yield: The Case for Investment Grade CLOs
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How leveraged loans and CLOs work and how to invest in them. What are the risks and opportunities with the new CLO ETFs. Topics covered include: What are the characteristics of leveraged loans and how David has invested in them in the past, both professionally and personally. Why LIBOR reference rate for leveraged loans is being phased out What is …
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Money For the Rest of Us
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This Stock Has a 15% Dividend Yield and Has Outperformed Warren Buffett. Should You Invest?
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Do activist hedge funds including Carl Icahn's add value? Should you invest in Icahn Enterprises L.P., a conglomerate with a 15% dividend yield and a stake in Carl Icahn's hedge fund? Topics covered include: How Icahn Enterprises' (IEP) investment performance compares to Berkshire Hathaway How to analyze individual stocks and why it is challenging …
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Money For the Rest of Us
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Beware of Survivorship Bias When Investing
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Why long-term U.S. stock market outperformance could be because it has avoided major catastrophes. Does an over-reliance on historical U.S. stock returns when modeling retirement outcomes lead to spending rates that are too high? Topics covered include: Why you might consider earthquake insurance What is survivorship bias and what are some examples…
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Money For the Rest of Us
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Does a 60/40 Balanced Portfolio Still Work? Time to Jettison Non-U.S. Stocks?
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What are the pros and cons of a simple stock and bond portfolio consisting of two funds or ETFs? Given U.S. stocks have significantly outperformed the rest of the world over the past decade, is there even a role for non-U.S. stocks in your investment portfolio? Topics covered include: How have 60/40 and similar portfolios performed over the long-te…
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Money For the Rest of Us
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How to Make Portfolio and Asset Allocation Changes
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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 instead What are the risks of having a too aggressive portfolio allocation in retirement and what to do instead What to do …
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Money For the Rest of Us
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Bond Investing Master Class - How to Invest in Fixed Income
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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 convexity How to decide between owning longer-term or short-term bonds How to decide whether to own individual bonds or bond funds and ETFs When to use active bond manageme…
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Money For the Rest of Us
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Will Generative AI Like ChatGPT Replace Your Job?
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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 works ChatGPT's attempt at writing a script for the Money …
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Money For the Rest of Us
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Your Nation's National Debt: 5 Things You Need to Know
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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 Japan Why Japan and UK interest rates have increased When do federal government debts jump the most What two numbers are key to whether a lev…
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. For more information on this episode click here. Episode Sponsors Thanks to LinkedIn for sponsoring the episode. Use this link to post your job for free on LinkedIn Jobs. See Pri…
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Money For the Rest of Us
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Use Caution With Private REITs Like Blackstone’s BREIT - Is Now a Good Time to Invest in REITs?
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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 trusts Why has Blackstone's BREIT been such a success Why investors are tryi…
How to solve the conundrum that consumption reductions lead to economic disasters while benefiting the environment. Topics covered include: Why consumption, fossil fuel usage, and carbon emissions keep growing How fossil fuel consumption goes well beyond heating and transportation uses but is tied to agriculture, steel, and cement production The fo…
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Where to Invest Your Cash Savings for Higher Yields
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What are the best options for safely investing cash. Topics covered include: High-yield savings accounts Certificates of Deposits Government Bonds Money Market Mutual Funds When should you invest in long-term bonds Why some savings apps try to look like banks but they are not What happens when central banks lose money Where not to deposit cash for …
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Is Emerging and Frontier Markets Investing Still Worth It? - with Asha Mehta
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Camden and David converse with Asha Mehta, Managing Partner & CIO at Global Delta Capital about the bullish case for emerging and frontier market stocks as well as the risks. Topics covered include: How to go about investing in emerging markets Should you invest in China Where are the most promising emerging and frontier markets Why aggregate emerg…
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Is Cryptocurrency Dead? Will the FTX Fallout Kill Crypto?
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How the bankruptcy of FTX, the world's third-largest crypto exchange, undermines trust in cryptocurrency and decentralized finance, making it even more difficult for crypto to ever be taken seriously as a monetary alternative. Topics covered include: How FTX squandered its customers' deposits How FTX is another example of a private money bank run H…
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Money For the Rest of Us
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What Is the IMF and Why Is It Controversial?
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How the International Monetary Fund, the world's economic firefighter, works for global monetary cooperation and prosperity while using its own made-up currency, the SDR. Topics covered include: What was the Bretton Woods monetary system that led to the formation of the IMF and the World Bank How the World Bank and IMF differ What does the IMF do H…
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Money For the Rest of Us
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Is Success Due to Hard Work, Talent, or Luck?
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How to survive in a world where luck and randomness play a pivotal role. Topics covered include: What are power laws What are the narrative fallacy and hindsight bias What are examples of domains where randomness has contributed to success What are ways to distinguish investing skill from luck How sixth-century philosopher Boethius had an accurate …
How to use laddered inflation-indexed bonds (i.e., TIPS), CDs, fixed annuities, and fixed index annuities to meet retirement living expenses while worrying less about running out of money. Topics covered include: How individuals can use liability-driven investment strategies Why now is the best opportunity to buy Treasury Inflation Protection Secur…
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Money For the Rest of Us
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Annie Duke on Better Investing and the Danger of Grit
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In Episode 406, David and Camden visit with Annie Duke about how to better manage our investment portfolios including when and what to sell. We also discuss a number of behavioral finance topics such as mental accounting, sunk costs, and goal myopia. Annie Duke is an author, speaker, and consultant in the decision-making space, as well as Special P…
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When Volatility Spikes, Financial Things Break - The Case of UK Gilts and Pensions
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What is volatility and what causes it to rise and fall? How volatility itself contributes to more volatility such as in the example of the chaotic UK government bond market where long-term yields have increased by 4% in 2022. Topics covered include: How the role of volatility has changed in financial markets What caused UK interest rates to spike a…
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Money For the Rest of Us
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Why Is the U.S. Dollar So Strong? Will It Continue?
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What has caused the U.S. dollar's currency exchange rate to be the strongest in twenty years? How a strong dollar leads to slower global economic growth and falling asset prices. Topics covered include: Why a strong dollar is a no-win situation for the rest of the world Why have inflation and interest rates increased Why recession risks are rising …
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Money For the Rest of Us
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The Pandemic Might Be "Over," but Not the Repercussions
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How risk perceptions and actions have changed over several years of the pandemic. How the pandemic's impacts continue to affect politics, the economy, financial markets, how we invest, and our personal lives. Topics covered include: Is the pandemic really over? What percentage of people continue to isolate at home How behaviors such as eating out a…
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Money For the Rest of Us
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Why Student Debt Is So High and Why Forgiving It Doesn't Fix the Problem
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What are the drivers that lead to higher student loan balances? Why a one-time student loan forgiveness program doesn't solve the problem of increasing student debt. What are some more viable longer-term solutions. Topics covered include: How big is the Biden Administration student debt forgiveness plan How big has the student debt burden grown Why…
