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เนื้อหาจัดทำโดย Rob Berger เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Rob Berger หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
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RBS 135: How to Implement the 4% Rule
Manage episode 426546001 series 3437124
เนื้อหาจัดทำโดย Rob Berger เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Rob Berger หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
A viewer asked me a series of questions about the nuts and bolts of using the 4% Rule. I do my best to respond to his questions in this episode.
Join the newsletter: https://robberger.com/newsletter/?utm...
207 ตอน
Manage episode 426546001 series 3437124
เนื้อหาจัดทำโดย Rob Berger เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Rob Berger หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
A viewer asked me a series of questions about the nuts and bolts of using the 4% Rule. I do my best to respond to his questions in this episode.
Join the newsletter: https://robberger.com/newsletter/?utm...
207 ตอน
ทุกตอน
×Here are the five questions we'll cover in this week's edition of Five Question Friday: 1. Is now a good time to do a Roth conversion? (John) 2. Mutual Funds vs ETFs (Shane) 3. Should we invest more in international stocks? (Phil) 4. Is Gold a hedge against inflation? (Cathy) 5. Has 2025 wrecked our retirement plans? (Doug) Resources Boldin: https://go.robberger.com/boldin/yt-fqf ProjectionLab: https://go.robberger.com/projectionla... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
Welcome to another edition of Five Question Friday (FQF). We actually have 6 questions today plus a free investment tracking tool: 1. Do I send Facebook friend requests to viewers? 2. Is this a good time to start investing? 3. Is rebalancing in volatile times just market timing? 4. If following the 4% rule, should the amount you pay in taxes be included? 5. Should an emergency fund be part of your asset allocation? 6. What is your opinion of using T-bills for cash instead of CDs or bonds? Investment Tracking Tool: https://www.bogleheads.org/forum/view... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
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The Rob Berger Show

A viewer named John emailed me the following question: "I'm planning to build a 5yr TIPS ladder to provide some inflation protected income in the years before Medicare and SS. How do I model that "account" in Boldin??" It's a great question, and it gives us the opportunity to look at an often overlooked feature of retirement planning software--pension income. Yes, a TIPS ladder can be modeled as pension income. We'll look at it in both Boldin and ProjectionLab. Boldin: https://go.robberger.com/boldin/yt-ti... ProjectionLab: https://go.robberger.com/projectionla... (use code RBERGER-10 for a 10% discount) TIPSLadder: https://www.tipsladder.com/ Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
Here are the questions for this week's Five Question Friday (FQF): 1. Are savings accounts better than bond funds? 2. Can you please explain nominal and real returns? 3. Does it matter if the market is up or down if you do a Roth conversion? 4. Will I be taxed twice on reinvested dividends? 5. Do you really need more than one broker? Bonus Question: What camera and mic are you using? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
Choosing between traditional and Roth 401k contributions is difficult. It forces us to make a guess about our taxes years or even decades from now. In this video, we'll discuss some of the factors that can affect this decision. And then, I'll share one strategy that may make the decision much easier. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
Welcome to another edition of Five Question Friday (FQF). Here are the five questions we'll cover: 1. Will fake inflation data destroy TIPS? 2. How should a pension affect your asset allocation? 3. Do advisors really add 3% to your returns? 4. TIPS Ladder vs TIPS Fund 5. Investing in a Roth vs Traditional Retirement Account Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
According to the latest report from the Board of Trustees of Social Security, it will become insolvent in 2033. Without money in the trust fund to bolster tax receipts. The Social Security Administration will only be able to pay out 79 cents on the dollar in benefits. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
Retirement planning requires that we make a lot of assumptions about the future. From all of these assumptions and other data, most software spits out a "Chance of Success." That number can make the future appear more certain than it is. In fact, many people make some big mistakes with their retirement plans. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
Welcome to Five Question Friday! Here are the questions we'll cover in today's video: 1. Should You Build a TIPS Ladder in Retirement? 2. Are Vanguard's LifeStrategy Funds a Reasonable Choice in Retirement? 3. Is the 40/60 Portfolio the New 60/40 Portfolio? 4. How many investment brokers do I use? 5. How to rebalance across different account types? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
In today's Five Question Friday (FQF), we tackle these five fantastic questions: 1. What financial apps are worth paying for in or near retirement? 2. How do you enter money market funds into your investment tracking spreadsheet? 3. Is it safe to link accounts to apps? 4. Can you comment on Bill Bernstein's comment that if you've won the game, stop playing? 5. Is Larry Kotlikoff's criticism of Boldin justified? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
Retirement withdrawal strategies are about a lot more than just the 4% rule or safe withdrawal rates. To better understand how they work and how you can apply them to your retirement, this video walks through 7 rules I follow when it comes to spending down your investments in retirement. Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
In today's Five Question Friday (FQF), we have five more great questions sent in by viewers: 1. Should we think of dividends as guaranteed income? 2. Should we invest in our HSA the same way we invest in our Roth IRA? 3. How should you pay tax on a Roth Conversion? 4. Should you get long-term care insurance? 5. Should our investing strategy change as our wealth rises? WSJ Article on LTC insurance: https://www.wsj.com/personal-finance/... Fidelity Alternative Investments: https://www.fidelity.com/go/alternati... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
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The Rob Berger Show

In this video, I'll describe my approach to investing in uncertain times. To do so, I'll enlist the help of the D.C. subway system, Sir Isaac Newton, and the 1970s. The 60/40 Solution: https://www.safalniveshak.com/wp-cont... Sir Isaac Newton Paper: https://www.sfu.ca/~poitras/cjh_newto... The Telegraph Article: https://www.telegraph.co.uk/news/ukne... Stocks for the Long Run: https://amzn.to/4hyy0hz Stay the Course: https://amzn.to/4hq4HOh 150 Years of Stock Market Crashes: https://www.morningstar.com/economy/w... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
In today's Five Question Friday (FQF), we cover the following: 1. Some thoughts on how to hire a financial advisor 2. Whether to consider Medicare premiums in your Roth conversion analysis 3. How Social Security should affect our asset allocation in retirement 4. How variable income should affect how we invest 5. Whether I sold U.S. stocks to buy International stocks this year. Resources mentioned in the video: Boldin: https://go.robberger.com/new-retireme... ProjectionLab: https://go.robberger.com/projectionla... List of Low Cost Advisors: https://robberger.com/low-cost-financ... My newsletter signup: https://robberger.com/newsletter/ Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
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The Rob Berger Show

1 RBS 193: My Portfolio Update And Changes to the Investment Tracking Spreadsheet (March 2025) 18:51
In this video, I'll share with you my current investment portfolio, including a big change I made in our traditional retirement accounts. I'll also share an update to my free investment tracking spreadsheet. https://robberger.com/investment-trac... Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...…
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