PODCAST

Sound Investing

Paul Merriman

Weekly podcasts with Paul Merriman. Strategic planning for investing at every stage of life.

business investing

All Episodes

00:44:40

2 Funds for Life Q and A

Sound Investing ·

2024/05/08

Join Paul and Chris to follow up on Chris’ video on "2 Funds for Life Update 2024" . In this discussion Chris covers the history of the development of this popular portfolio, as well as his new table that covers the expected returns for all of the periods from ages 20 to over 90. The discussion included comments on: The advantages of Blackrock over Vanguard target date funds and why it should make over .5% a year more over their lifetimes. The reasons paying more for a small cap value

01:21:39

Understanding the Pros and Cons of Annuities with...

Sound Investing ·

2024/05/01

I interviewed Stan Haithcock, the expert I depend on when I have questions about annuities. We will dig into single premium life annuities (SPIA), multiple-year guaranteed annuities (MYGA) and other insurance products that are often over sold and over priced. What is the truth and how can you get what you need at the right price? Join me and Stan as he answers my questions and yours. Stan Haithcock, also known as "Stan the Annuity Man" is recognized as one of the top independent annuity

01:27:16

Your top retirement questions answered with Christine...

Sound Investing ·

2024/05/01

Join Christine Benz, Director of Personal Finance and Retirement Planning at Morningstar, for answers to seven of the biggest questions facing those entering or in retirement. Financial literacy is empowering—yet good, practical education about financial management is too often out of reach for people, especially those with limited incomes. Former BCF Board member Paul Merriman—founder of The Merriman Financial Education Foundation—has dedicated his retirement to providing free education for all

01:21:09

Financial Gurus Collide: JL Collins and Paul Merriman...

Sound Investing ·

2024/04/24

Today, we bring you an exclusive conversation between two investment gurus, JL Collins and Paul Merriman. They debate the secrets of building wealth, focusing on investment strategies, index funds, and the potential power of small-cap companies. If you're looking to sharpen your investment acumen, this episode is full of knowledge and insights! Join us as we navigate through the crucial aspects of long-term investing, risk management, and the dynamics of the S&P 500 and Total Stock Market

00:28:20

Best in Class ETF 2024 Updates

Sound Investing ·

2024/04/17

So, you've chosen to be a buy-and-hold investor following one of Paul's Sound Investing portfolios. Now, the question is, what to buy? It's time to become a knowledgeable shopper.Chris Pedersen describes the attributes that make an ETF or mutual fund more or less suited to implementing the portfolios we've discussed. He then shows how to use Morningstar and Portfolio Visualizer to evaluate funds and points to the Best-in-Class recommended funds he's chosen. Finally, he

00:33:26

2 Funds for Life 2024 Update

Sound Investing ·

2024/04/10

Chris Pedersen shows how to automate investing with simple 2-fund portfolios. He discusses how target-date funds work and how to combine them with small-cap value funds to achieve results similar to more complicated portfolios. He highlights the 2 Funds for Life fine-tuning table in the Portfolio Configurator and shows how it can be used to set expectations based on different allocations.He also shows how 2 Funds for Life approaches can be compared to Sound Investing portfolios using the

00:44:42

Flexible Distributions 2024 Update

Sound Investing ·

2024/04/03

In this podcast Paul addresses the advantage of using a Flexible Distribution strategy. He starts by mentioning the earlier podcasts that focused on the Sound Investing Portfolios, Fine Tuning Your Asset Allocation Tables and Fixed Distribution Tables D1.4, D1.5, D9.4 and D9.5.He then focuses on Flexible Distribution Tables F1.4, F1.5, F1.6, F9.5 and F9.6.The following are links for listeners who want to review all the Fine Tuning Tables, all the Fixed Distribution Tables and all the Flexible

01:01:52

Fixed Distributions 2024 Update

Sound Investing ·

2024/03/27

The move from the accumulation to distribution period of an investors lifetime includes some very important decisions.What asset allocation between equities and fixed income? What combination of equity asset classes in the equity portion, as well as fixed income asset classes? What amount of distribution will be made annually? Will the payments be monthly, quarterly or annually? Will payments be adjusted for inflation and how often? Will the distributions be based on a fixed distribution

00:40:42

Fixed Contributions 2024 Update

Sound Investing ·

2024/03/20

In segment #5 of the 2024 Book Camp Series Paul applies all of the first 4 segments lessons to putting the portfolios to work by making a regular monthly investment into several of the Sound Investing Portfolios. For those coming to the series for the first time Paul suggests listening to the first 4 segments. #1 Stocks vs. Bonds: The $10 Million Decision #2 The Ultimate Buy and Hold Portfolio 2024 Update #3 Sound Investing Portfolios: 2024 Update #4 Fine Tuning Asset Allocation 2024 UpdateIn his

00:43:32

Fine Tuning Your Asset Allocations 2024 Update

Sound Investing ·

2024/03/13

In the previous three podcasts we have addressed the long term decision between investing in stocks vs. bonds, what equity asset classes you might use in building your equity portfolio and how to combine the different equity asset classes to build the best portfolio for your different investments.The purpose of each of the Boot Camp Series is to address some of the most important investment decisions. In this podcast I discuss the question of how much fixed income an investor should hold in their

00:34:37

Sound Investing Portfolios: 2024 Update

Sound Investing ·

2024/03/06

In this podcast Paul addresses the construction, returns and risks of the Sound Investing Portfolios. Table H1a lists the 9 Sound Investing Portfolios and includes percentages of each of the asset classes included in each portfolio.Table H2a lists the risk and return data for each portfolio. The table compares profitable years, unprofitable years, decade returns and total return of a $10,000 investment. Table H3a lists the portfolios annual return for each year for the period 1970-2023. Paul

00:41:56

The Ultimate Buy and Hold Portfolio 2024 Update

Sound Investing ·

2024/02/28

Paul recommends new listeners listen to the previous podcast on ⁠Equities vs. Bonds⁠ prior to this podcast.The purpose of this annual update is to remind investors of the power of equity asset class diversification. Paul makes the case for the 10 equity asset class portfolio that he introduced over 25 years ago. During the presentation he uses Tables A1a and A2a. A1a shows the series of portfolios, starting with the S&P 500 on its own, and then the results of adding 9 other asset classes

00:57:27

Stocks vs. Bonds: The $10 Million Decision

Sound Investing ·

2024/02/21

This podcast is the first in the series of 8 to 10 podcasts, videos and articles that will be found under Bootcamp and Best advice. In this podcast Paul discusses the biggest investment decision of an investor's lifetime: Invest in stocks or bonds. He reviews the long term risk and return for both important asset classes. In each case there is a set of 3 tables that reflect the returns from 1928 to 2023. In Tables J1a and J2a he compares the annualized return for the entire period as well

01:11:38

Chris Pedersen answers your questions: Best in Class,...

Sound Investing ·

2024/02/14

Join Paul and Chris for this podcast/video they recorded. During the conversation Paul mentions Chris’ free copy of “2 Funds for Life” and a fascinating interview with Professor Scott Cederburg on Rational Reminder. Cederburg is an advocate for a lifetime portfolio of all equities. The following are the topics and questions they discussed: What does an investor do if a small cap value fund is not available in their 401(K)? Does a small cap blend fund, that is available, have the same

00:22:55

10 Investment Decisions “Guaranteed” to Improve Your...

Sound Investing ·

2024/02/07

Paul looks at the guaranteed advantages of 10 different investment decisions. He also challenges one of the oldest claims about our expectations for returns. During the presentation he discusses the important differences between investment success and investor success. He encourages all listeners to get the free pdf of Paul Heys book, “Spending Your Way to Wealth(s).”

00:52:00

11 Q&A- Finding an advisor, educating kids,...

Sound Investing ·

2024/01/31

In the process of looking for a document I came across a group of questions that had been hidden away in my saved documents. The good news is the list included some great questions. The bad news is I'm not sure which presentation generated the questions. 1. What are the best investments to make and what milestones should an investor reach? 2. Do you recommend a solo 401k or SEP IRA for a single employee LLC that will never have employees? Recommended reading from Truth-Teller Jim

00:47:47

The #1 Reason most investors fail!

Sound Investing ·

2024/01/24

In this podcast Paul discusses ten million dollar mistakes investors make, along with the mistake that is the biggest reason he believes most investors fail to achieve the return they deserve. As part of his presentation he references the following two tables. Table 1 and Table 2. D1.3 D1.4 Paul reminds listeners to forward copies of our 3 free books.

00:52:55

Configurators, Returns and Risks, and 2 Thumbs Up...

Sound Investing ·

2024/01/17

Paul, Chris, and Daryl are back together for the first time in 2024. The podcast starts with Chris demonstrating a new and improved Portfolio Configurator, which adds the 2 Funds for Life portfolios. Now, investors can see how the equity portion of Sound Investing Portfolios, like the Ultimate Buy and Hold or Four Fund Combos, compare to various 2 Funds for Life approaches. Next, they discuss the question "Which backtested portfolio has the highest return per unit of risk, and shouldn't

00:16:53

The Most Important Advice I know

Sound Investing ·

2024/01/10

Trust is the key for most investors to stay the course for the long term. I formed a lasting trust in the academic work of Drs. Fama and French when I attended a 2 or 3 day workshop at Dimensional Fund Advisors in 1994. That trust led our firm to use the DFA funds since the mid 90s. While I believe there are a lot of people who find our long term studies helpful, I’m not sure that all of those people understand that almost all of our studies that go back to 1928 are based on the work of the

00:32:26

Review of 2023 returns and a prediction for 2024

Sound Investing ·

2024/01/03

In this podcast Paul starts by recommending, “Episode 285: A Year In Review" a podcast/video. In Paul’s review of 2023 returns he compares Chris’ Best In Class ETF recommendations with similar Vanguard ETFs and the average return in each equity asset class. He also gives returns for the most popular portfolios including, Ultimate Buy and Hold, 2 Fund U.S., 4 Fund U.S. and 4 Fund WW. Using an article from Ben Carlson Paul is able to find even more reasons 2024 should be a very profitable

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