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Wes Moss, Chief Investment Strategist at Capital Investment Advisors (CIA) hosts Money Matters, the country’s longest running live call-in, investment and personal finance radio show.
Wes is joined today by Jeff Lloyd, Wealth Management Analyst for Capital Investment Advisors, for a special show on the road in Michigan! They discuss reversion to the mean and then cover the four main types of 401(k) investor allocation “profiles.” Wes then examines confirmation and recency bias and how rebalancing might provide a change. Then, they do a deep dive into the Russell 2000 Index, exploring companies and comparing market caps to those on the S&P 500. Finally, they pull back the curtain on a brand new Taco Bell retirement community opening in San Diego, CA.
On today’s show, Wes is joined by Wealth Management Analyst Jeff Lloyd from Capital Investment Advisors. Together, they tackle the financial issues affecting people in today’s environment. They examine the summer’s booming travel industry, including eye-opening Disney statistics. They take a bite out of some tasty apple data, pour over today’s inflation numbers vs. the past two years, and discuss how disinflation and lower overall inflation might mean the Fed is one step closer to lowering rates. Finally, they remind listeners that no matter where the market sits, history demonstrates that trying to time it for perfection is typically riskier than allowing patience and participation to produce results.
In today’s episode, Wes delves into the financial aspects of retirement, focusing on the 4% rule formulated by William Bengen. This rule suggests that retirees who withdraw 4% of their portfolio in the first year and adjust for inflation annually can have a sustainable retirement, provided their portfolio has a 50-75% stock allocation. Wes explores the feasibility of a higher withdrawal rate, specifically 6%, by weighing the pros and cons and estimating success probabilities, aiming to help listeners maximize spending without exhausting their savings. Later, Dr. Dawn Carr, a renowned sociologist and gerontologist, shares insights on maintaining youthfulness in old age. She emphasizes practical solutions for enhancing social health and cognitive complexity in daily activities. Dr. Carr’s advice includes having close friends, engaging in mentally stimulating activities, and ensuring adequate sleep to prevent cognitive decline. Her approach offers actionable steps to enjoy the aging process and maintain vitality.
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