Q'in' and A'in'

Talking Real Money - Investing Talk

Don McDonald

Business, Education, Investing, How To

4.2 • 680 Ratings

🗓️ 11 April 2025

⏱️ 22 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

It’s a full-on Q&A Friday as Don tackles listener questions on account consolidation, fund choices, proper bond allocation, and portfolio construction. From dissecting the merits of AVGE vs. DFAW vs. VT+AVUV, to helping federal employees estimate how much to save, and even clearing up confusion about average returns—this episode is a masterclass in real-world investing for every phase of life. Whether you’re building your portfolio, nearing retirement, or just trying to clean up a financial mishmash, there’s clarity here. Oh, and snark-free math explanations, too. 1:36 First caller: Accumulation phase advice—Fidelity vs. AVGE vs. Vanguard 3:15 Follow-up: Retirement accounts, target date funds, and cleaning up a messy portfolio 5:06 Safe Harbor 401k rules explained 5:53 Deep dive into 401k fund options—why some funds may not be ideal 7:43 Old TSP account—combine or leave it? 9:34 Caller: How to start adding bonds after years of 100% stocks 10:43 Two strategies for shifting into bonds slowly and smartly 11:42 Listener from Texas asks: How is average return actually calculated? 12:44 Why averages are simple math, not magic 14:13 Caller: TSP investor wants to grow $114k to $500k in 10 years—what it’ll take 15:55 Fidelity Roth IRA options: AVGE vs. DFAW vs. VT + AVUV tilt 17:40 Pros and cons of each fund setup—risk, fees, and portfolio simplicity Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Oh, that's my prime delivery.
0:01.6	What, already?
0:02.7	Only one thing can match the buzz of Prime's fast delivery.
0:06.2	And that's the buzz of Prime's entertainment.
0:09.0	What are we watching?
0:09.7	Heads of state, that new action comedy with Idris Elber as the Prime Minister,
0:13.3	John Sina as the president, and Prianka Chopra Jonas,
0:15.9	as their only hope.
0:17.0	It looks like a blast.
0:18.2	From fast delivery to explosive entertainment, it's on Prime. For only
0:23.0	899 a month, join now. Content includes limited ads, subscription or to renews. For more information,
0:28.2	go to amazon.com.uk.U.K. slash Prime.
0:35.0	Reality for a really great future.
0:38.0	We're talking real money.
0:40.3	Give me a cue.
0:42.4	Q.
0:43.1	Give me an A.
0:44.2	You're supposed to say A.
0:45.2	What's that spell?
0:46.6	Not a darn thing, but it is what we talk about on Fridays.
0:51.4	Cues and A's.
0:53.0	Your cues, my A's. And've been coming in. So thank you.
	...

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