4-20-24 Candid Coffee – Open Season Episode
2024-04-24
Is the Tech Stock pullback healthy? What’s the difference in Bond ratings? Who is really being affected by a tripling of interest rates? These and other pressing financial and investing questions were fielded on our most recent Candid Coffee.
This was an "open-mic" edition of Candid Coffee, with all questions coming from registered participants; the questions’ time codes are noted below.
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFO, w Senior Financial Advisor, Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer
0:00 – Intro & Market recap:
3:30 – Tech stocks’ pull back is healthy; geopolitical risks;
8:05 – The difference between bond ratings
12:47 – Pension Fund investments in REITS w high default risk
19:19 – Are Roth distributions
4-23-24 Five Financial Mistakes to Avoid If You’re Retiring within Five Years
2024-04-23
Market Commentary: Are there more declines to come? What is the path forward for 5% Bonds? PCE and more earnings reports coming; How to crossover from accumulation to de-cumulation; topic teases: Keeping more of your inheritance; how to increase your inheritance. How to manage funds qwith legacy intent in mind. The important of financial planning before retirement; what is the rate of return you need? The importance of budgeting; financial mistakes you should avoid within five years of retirement; dealing with the rule changes. Dealing with and planning for Social Security. What is the income threshold for converting from pre-tax to Roth IRA?
3:13 – Market Commentary: Are the more declines to come?
14:30 – How to Manage Funds with Legacy Intent in Mind
30:20 – Five Financial Mistakes
4-19-24 Did You Pay Your Fair Share of Taxes?
2024-04-19
Markets respond to Israel attack on Iran; Procter & Gamble disappoints; markets are in a churning phase. Fed rate decisions & market behaviors. How much do you really need to survive in retirement (What’s your number?) Managing expectations, spending habits, and dependency on Social Securituy; the scinece & art of financial planning; retirement realities. The intimate process of deliverying financial plans; Candid Coffee preview. The three phases of retirement: Go-go, Slow-go, & No-go. Real Investment "’Shrooms." Tax Foundation survey: Do you pay your fair share of federal taxes?
3:12 – Markets’ Respond to Middle East Tensions
14:31 – How Much Do You Really Need to Retire?
30:24 – Delivering Financial Plans & Real Investment Shrooms
44:31 – Do You Pay Your Fair Share?
Hosted by RIA
Valuation Metrics Suggest Investor Caution
2024-03-05
Economic Data releases and Fed speeches today will resonate with a rising commentary of no rate cut(s) this year, thanks to sticky inflation. Target’s earnings show the consumer is still spending; markets continue in 4-month advance, longest since 1970. Preceding a correction? Markets are operating in a narrow trend channel, with money rotating out of Magnificent Seven Stocks and into meme stocks. Markets are in the midst of bullish exuberance; Lance’s emails are the best contrarian indicator. Valuations are an indicator of sentiment; why FOMO trumps Fundamentals; rationalization and the numbers game: Making up metrics to rationalize valuation: We’re still paying too much for equities. Bitcoin & ETF’s: The Dark Side of the Coin. Shorting ETF’s adds an additional layer of volatility.
Warren Buffett’s Cash Dilemma
2024-03-04
Markets are entering the three strgonest months of the year; what if interest arwets aren’t cut? February was unusually strong for a "weak" month; what happens during Presidential Election years? Looking at Volatility risk. Markets have been up for 16 of the past 18-weeks; such activity generalluy heralds a correction. Warren Buffett’s annual letter: What do to with $160-B in cash? The dilemma of cash and valuations; cash held by corporations is at an all-time high; Buffett’s favorite metric is Market Capitalization to GDP Ratio. Why it’s hard to find "reasonably priced" companies. When investing becomes gambling; the risk of market correction coming. Dumb Money vs Smart Money: Teaching kids to invest, not gamble.
3:13 – Entering Three Strongest Months of the Year
14:31 – Warren
Are The Magnificent Seven Stocks In A Bubble?
2024-02-22
Has Nvidia become the world’s most-valuable company? The S&P is aiming at more all-time highs, but can they hold? Fed minutes reveal no rush to cut rates. The disconnect with markets’ expecting more cuts. Will the Fed reduce QT as money flows into markets? Meanwhile, markets continue to test rising trendline at 20-DMA, as consolidation continues. No reason to be bearish on markets…yet. What markets missed from Fed Minutes: the quantity of rate cuts to come. An unexpected risk: Effects of balance sheet run-off as Fed adjusts QT to manage liquidity. The unstoppable market: What is happening to Fed’s repo program; the Fed Liquidity Index. Have we returned to a bubble in Magnificent Seven stocks (and are they worthy of current valuations)? The hard part about managing portfolios: How does
Definining “Safe” Retirement Spending: Is the 4% Rule Back? (11/17/23)
2023-11-17
(11/17/23) Richard Rosso’s adventures in Houston traffic, market seasonality and stock-bond correlation: Why would the Fed cut interest rates now? WalMart’s results: What are companies going to do during deflation? Richard calls the Butterball Turkey Hotline; spending survey results for 2023 & Consumer Sentiment indexes: Why are American’s still spending? The WalMart Parking Lot Indicator. Withdrawal Rates & Recency Bias: Why Dave Ramsey is wrong about withdrawal rates. MorningStar: Dealing with higher fixed-income rates: not here to stay. Why the 4% Withdrawal Rate is back…for now. Sequence of Returns & Guaranteed Income when the withdrawal rate is not constant.
2:35 – Driving in Houston & Market Seasonality
13:51 – Butterball Turkey Talk Line
17:59 – Spending Results for 2023
29:57
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