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Paul Merriman
Weekly podcasts with Paul Merriman. Strategic planning for investing at every stage of life.
What to do about the Brexit Blues?
What should investors do about the recent global loss of over $2 trillion? Should you get out – or reduce your exposure – to international equities? Should you sell and go to cash until the smoke has cleared? Should you reconsider your overall equity exposure? Paul addresses these questions, along with a little about his new video, available …
45:0227/06/2016
Answers to your questions and comments about “How to turn $3000 into $50 million”
Paul responds to 10 comments and questions about the article, “How to turn $3000 into $50 million.” This article has produced more comments and questions than any other he has written for MarketWatch in more than three years. In some cases, Paul points out how short-sighted investors can be and, in others, he tries to find ways to make people comfortable with …
53:3822/06/2016
12 lessons we must teach first time investors
In this podcast Paul discusses the 12 investment decisions all first time investors must face. He speaks to both the parents, as well as the young investor, about the life changing impact good decisions can have on the young investor’s future. There are a couple of important links mentioned in the podcast. https://paulmerriman.com/ultimate-buy-hold-portfolio/
58:0315/06/2016
Must-know lessons from the king of investment newsletters
The Hulbert Financial Digest has been closed. HFD was to financial newsletters what Morningstar is to the mutual fund industry. HFD tracked the performance and risk of over 200 newsletter portfolios. Paul shares what he learned from subscribing to HFD for over 30 years. He discusses newsletters that recommend low-risk to very-high-risk PORTFOLIOS using individual stocks, mutual funds, …
51:3608/06/2016
Investing to put luck on your side
Paul speaks with Ken Roberts of Ken’s Bulls and Bears about investing yesterday and today, understanding risk, fiduciary responsibility versus suitability of investment advisors, asset class diversification, retirement distributions and how to change your luck by taking certain actions.
47:0801/06/2016
7 reasons Vanguard is better than Fidelity
Paul compares seven major differences between Vanguard and Fidelity. His research indicates the difference between the funds could lead to an additional .25 to 1.5 percent a year… money that could feather your nest, not Fidelity’s.
29:2823/05/2016
The end of active management
Paul discusses the huge changes in expenses that are due in part to the debate between the “Fiduciary Standard’ that investment advisors work under, and the “Suitability Standard” that brokers apply to their recommendations. While a mutual fund’s expense ratio is the most commonly discussed variable, it turns out there are other factors that may be even more …
20:0618/05/2016
Habits and Attitudes of Successful Investors
Learn what you can do to increase your investment returns and peace of mind, as Paul presents, “Habits and Attitudes of Successful Investors,” from the 2016 RetireMeet Conference in Bellevue, WA. Also available as video on homepage. Download valuable information to accompany this presentation here.
41:1511/05/2016
Why not put all of your investments in small cap value?
A 32-year-old investor wants to know why shouldn’t he put all his investments in small cap value? While agreeing with the young investor’s comments, Paul recalls the famous Mark Twain quote, “There are two times in a man’s life when he should not speculate: when he can’t afford it, and when he can.” So, is small cap value an …
20:3002/05/2016
10 lessons from my favorite investment book
From the latest Dimensional Fund Advisors annual Matrix Book, Paul discusses 10 lessons he thinks will give investors a better long-term perspective of returns, before and after inflation. He also compares the long-term results of both U.S. and international asset classes.
38:5925/04/2016
Hulbert and 36 years of lessons
The Hulbert Financial Digest last week announced it was shutting down after 36 years. Losing the only meaningful tracking of investment newsletters is sad indeed. In many ways Mark Hulbert’s Digest was like having the S.E.C. overseeing the mutual fund industry. Mark couldn’t find the bad apples, but he could alert readers to the newsletter’s real returns, as opposed to …
27:1419/04/2016
How will you protect yourself from yourself?
Everyone in the financial community knows that emotion-based decisions almost always hurt investors in the long run. This podcast of Chapter 7 from Paul’s book, Financial Fitness Forever, discusses 5 ways an investor can eliminate most of the dangerous outcomes of emotional decisions. It is read by Rich Buck, co-author of Financial Fitness Forever and Live it Up Without Outliving …
10:0813/04/2016
Chapter 6-How Will You Diverisfy Your Investments?
In this audio version from Chapter 6 from Paul’s book, “Financial Fitness Forever,” he discusses the long-term impact of diversifying beyond large cap companies to include both U.S. and International small cap and value asset classes, as well as REITs and emerging markets. While he makes no promises about the future, the evidence from over 40 years of …
37:2706/04/2016
Chapter 5-How Much Risk Will You Take?
In “How much risk will you take?” Paul discusses the difficult topic of identifying and accepting the normal risk of investing. This audio chapter from his book, Financial Fitness Forever, also addresses the often overlooked risks of owning both stocks and bonds.
34:1930/03/2016
Will you try to beat the market?
Paul reads from Financial Fitness Forever, “Will You Try to Beat the Market?”, which focuses on how trying to beat the market has had a terrible impact on investors’ returns. This Chapter 4 includes important studies, from DALBAR and Morningstar, suggesting that more than half of all investor returns are lost to bad personal behavior, like being influenced …
29:5421/03/2016
A crucial decision: Who deserves your trust?
Among the many choices investors must make, the most important is who to turn to for trustworthy information, advice and help. This podcast, adapted from a chapter in my book, “Financial Fitness Forever,” is the first in a series of articles to address the four most-important choices every investor faces. The subsequent will address how to diversify, …
48:4513/03/2016
The Ultimate Distribution Strategy 2016
Paul compares the fixed distribution strategy he discussed in the last podcast with the flexible distribution strategy. Generally, the flexible strategy is for investors who have saved more than they need to meet the minimum financial needs in retirement. The key points to consider are: How much have you have saved for retirement? What combination of equities …
38:5706/03/2016
How Much Can You Take Out of Your Investments in Retirement
Paul explores the question, “How much can you take out of your investments in retirement?” He focuses on people who want to invest with an amount of money that will last a lifetime but is just “enough.” This scenario is often considered by people who are eager to retire, even if it means living on less. There are five tables that should be downloaded to view while listening to the podcast. These are the Fine Tuning Your Asset Allocation Tables.
47:0929/02/2016