Transcript: Easan Arulanantham: What other services? Does retirement Capital Strategy offer outside of like, just investment advice? Tom Vaughan: Yeah. Well, I think that’s one of the key things here. You know, in the investment advice arena, I try my hardest to, you know, exceed what somebody could do. Just going to Vanguard and buying
Transcript: Easan Arulanantham: What are the three buckets of money? And why is it important to have a little bit of all of them? Tom Vaughan: Yeah, so this has come up a few times, because we’ve talked about it a few times. And so it keeps coming back around is, I think, a really
Transcript: Easan Arulanantham: Both my husband and I work, should we be saving equally into our 401 K’s? Or should we be, you know, putting more maxing out one kind of how do we break down? Where to save our money between the two of us? Tom Vaughan: Yeah, that’s pretty interesting. Because I mean,
Transcript: Easan Arulanantham: If I want to retire before 68, should I handle my savings for retirement differently than if I was going to retire at a more common age? Like 65? Tom Vaughan: Okay. Yeah. So it depends, again, it. So it really depends on the outflows and whatnot that’s going on. You know,
Transcript: Easan Arulanantham: You know, are miscible bonds worth having in your portfolio? And we see those quite often that some people like it, some people don’t. Tom Vaughan: Yeah, yeah, it miscible bonds, of course, you know, you get tax free interest, which is fantastic. You can’t use them in your IRA. So this
Transcript: Easan Arulanantham: So this is a question that we get a lot as people get closer and closer to retirement, does my retirement portfolio look any different than the one I have right now, when I’m killing money? Tom Vaughan: Yeah, that does come up a lot, you know, people are heading into retirement,
Transcript: Easan Arulanantham: Some people talk about, you know, investing in gold and silver when there’s high inflation, you know, what are your thoughts on these trends over time? Tom Vaughan: Yeah, actually been asked that a lot, I’ve looked at it a lot, it comes up, you know, there’s a couple of ETFs, that
Transcript: Easan Arulanantham: You know, should I be using dividend stocks to generate my income in retirement? Tom Vaughan: I like dividend stocks in this environment, they’re doing quite well. If you take a look at some of these kinds of high dividend ETFs, you know, where they buy stocks that have got high dividends
Transcript: Easan Arulanantham: Can I have too much stock in my portfolio? With this, like caused me to have a lower chance of success in the long run? Tom Vaughan: Yeah, so this is actually a question that came up in a strategy session with our clients. And this is really interesting, it revolves around
Transcript: Easan Arulanantham: Is crypto a safe investment? Cryptocurrency a safe investment? Tom Vaughan: In a pure answer The answer, of course would be no just because of volatility, right? So when they look at safety, you look at volatility and you say, Okay, this can go up and down, you know, 10 or 18%