How to Invest: Bonds, CDs, and Roth Conversions - 460

Your Money, Your Wealth

Realestate, Income, Investing, Personalfinance, 401k, Rothconversion, Retirement, Education, Taxes, Socialsecurity, Personalfinances, Finance, Retirementplanning, Investments, Stocks, Business, Roth, Fiduciary, Ira

2.3 • 681 Ratings

🗓️ 19 December 2023

⏱️ 47 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Joe and Big Al spitball on investing in index funds, bonds, CDs, treasuries, annuities, net unrealized appreciation on company stock, and where to park cash right now. Plus, how do taxes, Roth conversions or the Mega Backdoor Roth, and donor advised funds factor into those investing strategies? Will and Debbie in Gettysburg are investing an inheritance, LJ in Philly and Jane want the fellas’ take on the pros and cons of various safe investments, Roger and Jessica in Cowtown Ft. Worth need four different financial spitballs, and should M.E. in Atlanta do a Roth conversion and put money in a donor-advised fund in the same year? But first, Dianna in Spotsylvania needs an investing plan for her 86-year-old Mom.

Timestamps:

00:57 - Investment Spitball for 86yo Mom: Index Funds? Roth IRA and Conversions? (Dianna from Spotsylvania, Virginia)
05:57 - How Should I Invest My Inheritance? (Will and Debbie, Gettysburg, PA)
14:12 - How’s My Laddered CD Investing Strategy? (LJ, Philly)
17:07 - Tax on Treasuries vs. CDs vs. Annuity: Where to Park Cash Right Now? (Jane)
22:27 - NUA Company Stock, De-Risking With Bonds, & Mega Backdoor Roth (Roger & Jessica, Ft. Worth)
34:13 - Donor Advised Fund and Roth Conversion in the Same Year? (M.E., Atlanta)
40:54 - The Derails

Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-460

Top 10 Tax Tips Guide (limited time offer - download by this Friday!)
10 Tax-Cutting Moves to Make Now - YMYW TV
Investing Basics Guide
10 Steps to Improve Investing Success
Episode Transcript
Ask Joe & Big Al On Air for your Retirement Spitball Analysis

Transcript

Click on a timestamp to play from that location

0:00.0	Joe and Big Al spitball on investing in index funds, bonds, CDs, treasuries, annuities, net
0:07.2	unrealized appreciation on company stock, and where to park cash right now. Today on Your
0:11.8	Money, Your Wealth podcast number 460. Plus, how do taxes, Roth conversions, or the
0:17.2	megabackdoor Roth, and donor advised funds factor into those investing strategies.
0:22.9	Will and Debbie in Gettysburg are investing an inheritance. L.J. and Philly and Jane want
0:28.2	the fellow's take on the pros and cons of various safe investments. Roger and Jessica in Cowtown,
0:33.8	Fort Worth, need four different financial spittfalls. And and should M.E in Atlanta do a Roth
0:39.3	conversion and put money in a donor advised fund in the same year. But first, Diana in Spotsylvania
0:45.7	needs an investing plan for her 86 year old mom. I'm producer Andy Last and here are the hosts of
0:51.5	your money, your wealth, Joe Anderson CF, and Big Al Clopline, CPA.
0:56.9	All right, we got Diana from Spotsavana.
1:01.1	Spotsylvania pronounced like Pennsylvania.
1:03.1	Oh, Spotsylvania. All right. Virginia.
1:06.0	I love your show and listen to on the drive to work.
1:09.0	I've learned so much from you.
1:12.1	And you make learning about finances interesting and fun. Well, thank you very much, Diana. I'm requesting some spitballing today
1:17.9	for my 86-year-old mother. Her net worth is about 950,000, which includes $230,000 in a traditional IRA,
1:25.5	with most of the remainders in a brokerage account. Her annual income includes a survivor IRA, and most of the remainder is in a brokerage account.
1:32.7	Her annual income includes a survivor pension, stock dividend, Social Security, which total us about 50 grand, more than enough to cover her expenses. Prior to my father's passing last
1:38.5	year, he was actively trading stocks. Just before he passed, he sold many of the more volatile stocks because mom and I
1:46.8	are not knowledgeable enough to continue this individual stock trading. Currently, in the brokerage
1:53.5	account, she holds some long-term stocks for the dividends and some CDs with very maturity dates.
	...

Please login to see the full transcript.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Your Money, Your Wealth, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Your Money, Your Wealth and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.