WCI #406: iBonds, Asset Pricing and Other Investing Questions

White Coat Investor Podcast

Dr. Jim Dahle of the White Coat Investor

Medicine, Health & Fitness, Business, Investing

4.9 • 2.3K Ratings

🗓️ 13 February 2025

⏱️ 58 minutes

🔗️ Recording | iTunes | RSS

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Summary

Today we are getting into some investing questions. We start off with a discussion around iBonds and if they are still a worth while investment or if it might be time to let them go. We also discuss ASC investment and buffer assets and what those both are. We talk about how to make asset allocation decisions when you have access to some unique investments and wrap up with a discussion around stock performance when you have a very long investing time horizon.

Laurel Road is committed to serving the financial needs of doctors. We want to help make your money work both harder and smarter, with A Laurel Road High Yield Savings account. Build your savings with highly competitive rates, no minimum balance to open, and no monthly maintenance fees. Whether you’re saving for an emergency fund or planning your next big purchase, you can keep building your savings and access your funds whenever you need them. For terms and conditions, please visit https://LaurelRoad.com/WCI

The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!

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Transcript

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0:00.0	This is the White Coat Investor podcast, where we help those who wear the white coat get a fair shake on Wall Street.
0:06.2	We've been helping doctors and other high-income professionals stop doing dumb things with their money since 2011.
0:16.0	This is White Coat Investor Podcast number 406.
0:19.4	Brought to you by Laurel Road for doctors.
0:22.0	Laurel Road is committed to serving the financial needs of doctors. We want to help make your money work
0:26.6	both harder and smarter with a Laurel Road high-yield savings account. Build your savings with
0:31.5	highly competitive rates, no minimum balance to open, and no monthly maintenance fees. With
0:36.1	your saving for an emergency fund or planning your
0:38.1	next big purchase, you can keep building your savings or access your funds whenever you need
0:41.7	them. For terms and conditions, please visit www. lower road.com forward slash wc. That's
0:48.9	www. lower road.com forward slash wc. Lower Road is a brand key bank and a member FDIC.
0:57.0	All right. Let's take your first question. Conveniently, this is about cash management.
1:01.9	Hello, Dr. Dolly. I'm curious to hear your thoughts on the Vanguard Cash Plus Bank Sweep accounts.
1:08.6	The investments are FDIC insured, but Vanguard itself isn't a bank that can be
1:13.4	insured. Are these accounts vulnerable the same way Yoda users weren't safe when its software
1:19.6	provider synapse went bankrupt? It's tempting to dump my high-yield savings account, bank savings,
1:26.2	and use Vanguard since they already have my IRA,
1:29.6	but I'd like to fully understand the risks involved. Is it the same risk if Vanguard went under
1:35.0	while my IRA is there? Thank you very much. Okay, great question. I'm having to learn about this
1:43.3	Yoda, YOTTA debacle that apparently happened.
1:47.5	I don't know a lot about this, but apparently last year, a high-yield savings app had a big problem.
1:54.0	This is kind of a fintech company.
	...

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