Best of Caller Questions - 3/12/2025
InvestTalk
Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors
4.4 • 1.5K Ratings
🗓️ 12 March 2025
⏱️ 50 minutes
🧾️ Download transcript
Summary
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world.
Today's Stocks & Topics: 401k, How to Analyze ETFs, Rental Properties Insurance, Emerging Markets - Brazil, Cannabis ETFs, China's DeepSeek, Roth 403b vs. Roth I-R-A, Crypto Currency, Inflationary Fiscal Policy, Profits, Long-Term Treasuries, Stocks and Taxes, Emerging Markets - Brazil, Gold, Treasury Inflation Protected Securities (TIPS).
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Transcript
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| 0:00.0 | This is a special Invest Talk, best of caller questions compilation program. Remember, the Invest |
| 0:07.3 | Talk phone lines never close. Please call with questions. 888-99 chart. 888-99 C-H-A-R-T. They will be |
| 0:17.9 | played and answered on an upcoming InvestTalk podcast. |
| 0:22.6 | Let's go take a live call at James from New York asking about his 401K. |
| 0:27.9 | Yeah, I often hear you say that an employer has a fiduciary duty to its employers to provide an adequate best possible plan. |
| 0:38.1 | If I am a member of a union of tens of thousands of people and just say there is one person |
| 0:46.0 | who finds that the plan is not adequate or to their liking and that it can be better, |
| 0:53.0 | is that sufficient to make a change in the case of an individual? |
| 0:58.1 | Is that a possibility? |
| 1:00.0 | Well, that one person could sue, right? |
| 1:02.4 | And there's legal costs around that. |
| 1:05.1 | You know, it probably more of a group of, you know, a group of employees suing and finding reason for that. |
| 1:15.2 | Once again, I'm not a lawyer in that sense. But, yeah, I mean, they do have a fiduciary duty, |
| 1:20.5 | so somebody could sue the employer for a breach of their fiduciary duty and usually this is around you know |
| 1:29.3 | providing a plan if it's you know too high and fees doesn't provide the |
| 1:32.9 | adequate investment options for you you know and that's not just fees around |
| 1:38.0 | the investments it could be fees on how to maintain the cost of maintaining |
| 1:42.5 | the the plan and being passed on to you as well. |
| 1:46.1 | So, you know, you probably don't want to sue just one person. |
| 1:50.0 | You know, you probably want to put pressure on management and point out, you know, |
| 1:53.0 | here are the problems with our plan. |
| 1:54.9 | These costs are too high or we don't have these investment options or we don't have the ability |
... |
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