RSU, Mutual Funds, Bonds, and Annuities - 442
Your Money, Your Wealth
Your Money, Your Wealth
4.6 • 793 Ratings
🗓️ 15 August 2023
⏱️ 52 minutes
🧾️ Download transcript
Summary
What's the best strategy for E-Dog's restricted stock units with his employer, how are RSUs taxed, and how do Roth conversions fit into the mix? Plus, should Jay in Raleigh liquidate his annuities or follow "Stan the Annuity Man's" advice and take the annual payments? Elisa wants to know how a mutual fund portfolio would work in retirement, and what's a good way for listener Joe to invest in bonds in a taxable account to bring his portfolio back into proper balance? Finally, the fellas spitball on Medicare savings vs. Roth conversions for David, and an unrealized gain strategy on an UTMA education savings account for Jay in California.
Timestamps:
- 00:50 - Restricted Stock Units: RSU Spitball Analysis (E-Dog, Boulder, CO)
- 14:44 - Annuity Retirement Spitball Analysis (Jay, Raleigh, NC)
- 26:36 - How Would a Mutual Fund Portfolio Work in Retirement? (Elisa)
- 31:13 - Asset Location: How to Invest in Bonds in a Taxable Account to Rebalance? (Joe)
- 35:09 - Medicare Savings Vs. Roth Conversions (David, Logan, NM)
- 40:04 - UTMA College Savings Unrealized Gain Strategy (Jay, CA)
- 47:05 - The Derails
Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-442
- Why Asset Location Matters - free guide
- 6th Annual YMYW Podcast Survey - one randomly-chosen participant will win a $100 Amazon e-gift card!
- Episode Transcript
- Ask Joe & Big Al On Air for your Retirement Spitball Analysis
Transcript
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| 0:00.0 | What's the best strategy for E-Dog's restricted stock units with his employer? How are RSU's tax? |
| 0:06.1 | And how do Roth conversions fit into the mix? That's today on Your Money, Your Wealth podcast number |
| 0:11.2 | 442. Plus, should Jay in Raleigh liquidate his annuities or follow Stan the annuity man's advice |
| 0:18.1 | and take the annual payments? Elisa wants to know how a mutual fund portfolio would work in retirement, |
| 0:23.6 | and what's a good way for listener Joe to invest in bonds in a taxable account |
| 0:28.6 | to bring his portfolio back into proper balance? |
| 0:31.6 | Finally, the fellow spitball on Medicare Savings versus Roth conversions for David |
| 0:35.6 | and an unrealized gain strategy on an Utma |
| 0:38.7 | education savings account for Jay in California. I'm producer Andy Last and here are the hosts |
| 0:43.8 | of your money, your wealth, Joe Anderson, CFP, and Big Al-Clobine CPA. |
| 0:49.4 | We got E-Dog, right Tim Big Al. E-Dog. E-Dog. All right. |
| 0:55.8 | Here, there, YMYW. Crew, I have a couple of questions for you about restricted stock units. |
| 1:00.9 | I'm 39. |
| 1:01.8 | My wife is 40. |
| 1:02.8 | We have two kids, ages 9 and 12. |
| 1:05.1 | We live in Boulder, Colorado. |
| 1:07.2 | We have roughly a million dollars in retirement savings. |
| 1:10.6 | $50,000 in a 401k, $750,000 in a Roth IRA, $180,000 in Roths. |
| 1:17.9 | We have roughly, what, $270,000 in non-retirement savings, $100,000 in a $529 plan, $85,000 in an HSA. |
| 1:27.0 | $85,000 split between taxable brokerage accounts and a savings |
| 1:30.8 | account, as well as a fully paid house worth $900,000 total net worth about 2.1. |
| 1:37.4 | It started a new job last year where roughly half of my total compensation comes from RSU |
... |
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