Paul Merriman
325 episodes - English - Latest episode: 9 months ago - ★★★★★ - 443 ratingsSound Investing for Every Stage of Life
Homepage Apple Podcasts Google Podcasts Overcast Castro Pocket Casts RSS feed
Episodes
Those who come out ahead have put their trust in the system over the long term
May 16, 2018 10:00I had the recent pleasure of being interviewed by Meb Faber, co-founder and the Chief Investment Officer of Cambria Investment Management, and author of five books. We covered a lot of ground, speaking in some detail about my “Ultimate Buy & Hold Portfolio," the power of diversification, and the pitfalls of emotional investing. We discussed the benefits of …
What rate of return should I use in my retirement plan?
May 09, 2018 10:00One of the toughest decisions in a financial plan is the assumption of returns for the equity part of the portfolio. This presentation is intended to help you in that decision. I just received my copy of the annual Dimensional Funds Matrix. This book contains 90 pages of return tables for more than 30 different asset …
Investing for Life: Dr. Jim Dahle of White Coat Investing interviews Paul Merriman
May 02, 2018 10:00In this interview with Jim Dahle, M.D., Paul covers about a wide range of investment topics, from getting started to retirement planning and distributions. This is an excellent introduction to Paul’s work, including buy-and-hold, market timing, bonds, Bogleheads, the work of the Merriman Financial Educational Foundation, DFA and portfolio management, Do-It-Yourselfers, and much …
The ultimate distribution strategy: 2018 update
April 23, 2018 10:00Paul’s favorite distribution strateg Each year Paul updates his favorite distribution strategy. In this discussion listeners will want to have copies of distribution tables 3 and 12. These tables reflect a 5% initial distribution plus annual increases for inflation. Tables 17 and
Big news- SPIVA and DALBAR reports are out!
April 18, 2018 13:00Paul discusses two reports from his annual "must read” list: SPIVA and DALBAR. The SPIVA report makes the strongest statistical case for index funds over actively-managed funds. The DALBAR "Quantitative Analysis of Investor Behavior 2018 Report" (no link, as investors have to buy the report) makes the case that the combination of active management by mutual funds …
Fixed Distribution Strategies-2018 Update
April 09, 2018 10:00The decision to establish a fixed distribution strategy can help ensure your peace of mind in retirement. This strategy is designed for people who retire with “enough" to meet minimum cash flow needs, including future adjustments for inflation. If you are new to our work, please read "The Ultimate Buy-and-Hold portfolio, 2018 edition" and the latest Fine Tuning Your Asset Allocations …
The most important lesson from “Save $1000 a year. Retire with millions”
April 04, 2018 10:00Paul begins this podcast in response to tough critiques from some readers about this very popular article and podcast. He speaks to what he thinks are the most important lesson for investors. He also answers 4 Q&As from readers and listeners.: Will you create recommended portfolios for popular HSAs? What …
Building a million dollar portfolio with $1000 a year
March 26, 2018 12:00For over 20 years Paul has been producing articles and podcasts on 3 important decisions investors must make. The first is The Ultimate Buy-and-Hold Strategy, a discussion of the equity asset classes that Paul recommends investors use in their portfolio. The second is Fine Tuning Your Asset Allocation. The third, …
How to get started investing and keep going - Q&A
March 21, 2018 10:00One young investor following Paul’s advice wrote to him: “Paul, thank you for everything you’ve done. The podcast, books and website have changed my life.” Paul asked him, “How so?” Thus begins this podcast sharing this young man’s response in the hope it will motivate other young investors to do the same. Q&A: What specific things …
How to get started investing and keep going – Q&A
March 21, 2018 10:00One young investor following Paul’s advice wrote to him: “Paul, thank you for everything you’ve done. The podcast, books and website have changed my life.” Paul asked him, “How so?” Thus begins this podcast sharing this young man’s response in the hope it will motivate other young investors to do the same. Q&A: What specific things …
Fine Tuning Your Asset Allocation,Worldwide and All Value Portfolios
March 14, 2018 10:00In a recent podcast, Paul discussed a table of historical risk-and-return data for the S&P 500. The purpose of that podcast and corresponding table was to give investors a way to build reasonable expectations of the short- and long-term losses, as well as short and long-term returns for the S&P 500. In this podcast the same information is presented for …
Is it time to sell? and other investor questions
March 07, 2018 12:00In this podcast, Paul answers a variety of recent listener questions: • Is it time to sell and move more of my portfolio into money market or bond funds? • Can I use your Best-In-Class glide path spread sheet to manage my Fidelity portfolio? In answering, I reference a spreadsheet that shows our recommended …
Fine Tuning Your Asset Allocation with the S&P 500 2018 update
February 28, 2018 11:00Most of our annual Fine Tuning articles and podcasts have covered all of the major asset classes. This year we dedicate an article and podcast to just the S&P 500 and bonds. The S&P 500 Index represents the biggest public holding in the U.S. and maybe the world, roughly 80% of the value of …
CDs vs. bonds and other important questions
February 21, 2018 14:09Does it ever make sense to use actively-managed funds? One of our readers asked us to review a major 401k plan (40,000 employees) that offered only two equity asset classes (U.S and international) and in each case they offered an actively-managed and an index fund. I couldn’t pass up using this real-life example to learn some very …
2018 Update of Paul’s “Ultimate Buy-and-Hold” Portfolio
February 14, 2018 06:00For many years Paul and Rich have updated the Ultimate Buy-and-Hold Portfolio, and have posted the updates for 2018. This podcast is a step-by-step discussion of building a portfolio of 10 major equity asset classes. We want to make very clear how much impact each of these asset classes has on the long-term return of the portfolio, as well as …
2018 Update of Paul's "Ultimate Buy-and-Hold" Portfolio
February 14, 2018 06:00For many years Paul and Rich have updated the Ultimate Buy-and-Hold Portfolio, and have posted the updates for 2018. This podcast is a step-by-step discussion of building a portfolio of 10 major equity asset classes. We want to make very clear how much impact each of these asset classes has on the long-term return of the portfolio, as well …
Topics you can’t afford to miss
February 07, 2018 06:00Ken Roberts – of Ken’s Bulls & Bears on KCKQ AM 1180 in northern Nevada – recently interviewed Paul. In this 43 minute conversation they discuss target date funds, the pros and cons of stock selection, how young investors can get a head start, the four most important variables in your mutual funds performance, …
Pros and Cons of Motif and M1 Finance
January 31, 2018 06:00The Motif Investing and M1 Finance companies allow investors to create a customized portfolio of individual securities and ETFs. Paul and Chris Pedersen compare these two low cost ways to create do-it-yourself robo portfolios. In both cases there are great advantages and important limitations. Chris recently compared the important differences in a table that …
Passive VS. Active Q&A
January 24, 2018 06:00In Paul’s recent Marketwatch article he explores the debate between the results of index funds and actively-managed funds. If you review the comments following the article, you will see there are a lot of defenders of active management. In this podcast Paul responds to some of the most aggressive defenders of active management, including a comparison of …
The #1 investment table
January 17, 2018 06:00Paul discusses the annual update of Callan’s colorful “Periodic Table of Investment Returns 1999-2017” and suggests you view the table while listening. Paul also addresses the changes to his 401k recommendations from 50/50 U.S/international equities to 70/30 U.S./international, and small cap value from Guggenheim SmallCap 600 Pure Value (RZV) to SPDR Small Cap Value (SLYV); and …
2017 Portfolio performance plus your questions answered
January 10, 2018 06:00Paul briefly discusses the recent MarketWatch article, “4 simple and effective ways to help a young person get a jump on retirement” and continues with consideration of 2017 performance of the Vanguard, Fidelity, T Rowe Price, Schwab, TD Ameritrade mutual fund and ETF portofolios recommended at his site, including his favorite. He …
What you should know about 2017 returns
January 03, 2018 06:00DON’T LISTEN TO THIS PODCAST if you don’t like numbers. Many unexpected things happened in 2017. To understand them it’s important to look at the numbers. This discussion includes a comparison of large cap, small cap, growth, value, U.S. and international asset class returns. There is also a comparison of 1- and 15-year returns for Vanguard, DFA and …
What I think about Bitcoin and my 12 projects for 2018
December 27, 2017 06:00This podcast presents plans for 12 major projects for 2018 by The Merriman Financial Education Foundation. They include fund selection for self-directed 401k plans, new 401k plans, more studies on the long-term impact of saving to retirement, answering more of your questions, teaching more young people about sound investing and interviewing some of the industry’s most-qualified experts. Paul …
What to do about bonds?
December 20, 2017 06:00What to do about bonds is probably the most common question I get from investors. In some ways it is the simplest of investment decisions but it can be made difficult due to emotional hurdles. In this podcast Paul reviews several past articles on bonds. Here are the links to those articles: “Why bonds are the most …
10 things you should know about small cap value
December 13, 2017 06:00Small cap value continues to be an asset class that Paul recommends for all investors. Of course, for retired investors it may be a very small part as their position in equities is low. For first-time investors following Paul and Chris’ target date fund recommendations, the super-charged asset class may take up the entire portfolio. Most investors will …