Best of Caller Questions
InvestTalk
Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors
4.4 • 1.5K Ratings
🗓️ 22 April 2025
⏱️ 49 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 Deep Seek, 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. |
| 0:05.9 | Remember, the InvestTalk phone lines never close. |
| 0:09.7 | Please call with questions. |
| 0:11.3 | 888-99 chart. |
| 0:13.4 | 888-99 C-H-A-R-T. |
| 0:17.2 | They will be 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. |
| 0:27.7 | Yeah, I often hear you say that an employer has a fiduciary duty to its employers to provide an adequate best possible plan. |
| 0:42.5 | If I am a member of a union of tens of thousands of people and just say there is one person who finds that the plan is not adequate or to their liking |
| 0:49.7 | and that it can be better, is that sufficient to make a change in the case of an individual? |
| 0:58.0 | Is that a possibility? |
| 0:59.6 | Well, that one person could sue, right? |
| 1:02.3 | And there's legal costs around that. |
| 1:05.0 | You know, it probably more of a group of, you know, a group of employees suing and finding reason for that. |
| 1:14.6 | Once again, I'm not a lawyer in that sense, but yeah, I mean, they do have a fiduciary duty, |
| 1:20.6 | so somebody could sue the employer for a breach of their fiduciary duty. |
| 1:26.6 | And usually this is around, you know, providing a plan. If it's, |
| 1:30.5 | you know, too high in fees, doesn't provide the adequate investment options for you, you know, |
| 1:36.5 | and that's not just fees around the investments. It could be fees on how to maintain the cost |
| 1:41.8 | of maintaining the plan and being passed on to you as well. |
| 1:46.0 | So, you know, you probably don't want to sue just one person. |
| 1:49.8 | You know, you probably want to put pressure on management and point out, you know, |
... |
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