Listener Q&A: Individual stocks, housing bubble, crypto, retirement and more
Money For the Rest of Us
J. David Stein
4.5 • 1.4K Ratings
🗓️ 30 June 2021
⏱️ 36 minutes
🧾️ Download transcript
Summary
We answer over a dozen questions from listeners on investing, housing, retirement, business, podcast production, and more.
Topics discussed include:
- The Endowment Model
- Teaching children about investing
- 4 influential investing books
- The difference between being an entrepreneur and investing
- The balance between too much and too little efficiency and productivity
- What we learned about investing from the Covid crash
- How asset allocation changes as one gets older
- The state and future of cryptocurrency
- Is now the time to buy individual stocks given high valuations for indices
- Donor-advised funds
- FDIC insurance
- Money For the Rest of Us production time and expenses
- Is it possible to have too much invested in one ETF
- Is a house and investment and will there be a housing crash
- How to worry less about money
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211: How To Navigate A Housing Bubble
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317: How To Buy In A Hot Housing Market
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Transcript
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| 0:00.0 | Welcome to Money for the Rest of Us. This is a personal financial on money. How it works, |
| 0:06.1 | how to invest it, and how to live without worrying about it. I'm your host David Stein |
| 0:11.2 | today as episode 348. It is a listener Q&A episode. That's something I've never done. |
| 0:20.3 | In the seven years I've been doing the podcast, I have a weekly plus episode for plus members |
| 0:25.8 | which is mostly a Q&A episode, but I've never really opened up that format for all listeners. |
| 0:31.4 | This week's podcast topic wasn't coming together as well as I would like, and so an hour before |
| 0:36.6 | I was set to record, I sent on an email to the Insiders Guide list asking for questions. |
| 0:43.4 | I didn't do that very well, though, because I mistyped the reply email. So everybody that tried |
| 0:49.0 | to reply got their email bounced back. But I still got dozens of questions from persistent |
| 0:56.5 | listeners that were able to find an alternative email and get a hold of me. Topics will cover in |
| 1:02.0 | today's episode include the Endowment Model, teaching our kids about money, favorite investing |
| 1:08.6 | books, cryptocurrency, valuations, investing in individual stocks, donor advise funds, |
| 1:16.8 | the housing bubble and potential crash, FDIC insurance, and some additional topics. |
| 1:25.3 | I won't be able to spend too much time on each topic, otherwise the show will be too long, |
| 1:29.9 | but let's kick it off. Listener asks, what is my view of the Endowment Model and the legacy |
| 1:36.9 | of the late David Swenson? I became an investment advisor to endowments and foundations in 1995. |
| 1:45.0 | That was when David Swenson was very influential in overseeing the Endowment at Yale University. |
| 1:53.3 | What the Endowment Model is, it's essentially the idea that a University Endowment |
| 1:58.8 | has an infinite time horizon, and as a result can afford to be more illiquid in their investments. |
| 2:05.9 | The Endowment Model has a high allocation to non-publicly traded investments. |
| 2:11.0 | Private equity, including venture capital, real assets, real estate, can include hedge funds, |
| 2:20.3 | it's a viable model for Endowments and Foundations. It's what I practice for over a decade as an |
... |
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