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Retire Me - Podcast

49. What is Bitcoin?  And, Should I Draft a Cottage Agreement with my Co-Owner Friends or Family Members? Thumbnail

49. What is Bitcoin? And, Should I Draft a Cottage Agreement with my Co-Owner Friends or Family Members?

On Today's episode we discuss: 1) Cottage Agreements - a friend of mine inherited a cottage from his late father. He is sharing it with his brother. I outlined for him the benefits of using a cottage agreement. I discuss the elements of a cottage agreement, its benefits, and how to get started 2) Bitcoin - I spend some time talking about what Bitcoin is, the pros and cons of owning Bitcoin, and what role it plays in long-term retirement portfolios.

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46.  Factor Investing 101 : Part 3 - Factor Investing in Fixed Income  Thumbnail

46. Factor Investing 101 : Part 3 - Factor Investing in Fixed Income

Welcome to Episode 46 of Retire Me! On today’s episode I discuss factors in fixed income (bonds). I begin the episode with an overview of the role of fixed income in a portfolio. From there, we move into an overview of where returns come from in a fixed income portfolio. Then, I do my best to explain the role of a yield curve and how it contains information that can be helpful when trying to anticipate future returns in fixed income.

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45.  Factor Investing 101 - Part 2: Value Premium and Profitability Premium Thumbnail

45. Factor Investing 101 - Part 2: Value Premium and Profitability Premium

Last week we started with Market Beta and Small Cap Premiums. This week, we will go into the Value Premium and the Profitability Premium. As a quick refresher, a factor is a unique source of risk in a portfolio. We want to pursue risk to generate higher returns, and we want to diversify our sources of risk so that we lower our volatility (smooth out our ride), because not all factors work all of the time. In fact, they frequently go through periods where they don’t work. Today we will discuss the value premium and the profitability premium. Next week we will go through the premiums in fixed income (bonds). The week after that, we will go through portfolio construction and wrap up with my thoughts about who should and who shouldn’t invest in a factor portfolio.

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42.  How Much Stock Should I Own if I'm Saving for a Fixed Spending Goal? Thumbnail

42. How Much Stock Should I Own if I'm Saving for a Fixed Spending Goal?

What if you have a big purchase coming up in 10 years? It's long enough that you think you can take some risk and you want the money to grow. Picture a bucket of water that you are going to tip over and empty all on the same day. It changes how you can invest. In this video I walk through an approach from Larry Swedroe in his book "Your Complete Guide to a Successful and Secure Retirement". Larry outlines different % equity allocations based on how far out your financial goal is.

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41.  What Accounts Can My Teenager Use to Start Investing? Thumbnail

41. What Accounts Can My Teenager Use to Start Investing?

I have received this question a few times over the past several months - my teenager wants to begin investing, but she is not yet 18. What are her options? It's true, once you are age of majority in Canada, you have more options. But, if your teenager is not yet 18 and wants to start investing, you can help them using one of these 3 approaches.

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40.  Safe Savings Rates Thumbnail

40. Safe Savings Rates

A listener asks a question - what is a reasonable savings rate for person saving for retirement? I talk about some research from Wade Pfau into something called Safe Savings Rates. Wade performed this research to figure out what percentage of income a pre-retiree would need to save for 30 years to afford a 50% income replacement rate for a 30 year retirement using worst case historical scenarios. I discuss the usefulness of the research and its limitations.

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