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Plan For Life Now
21 minutes | Jul 6, 2021
Episode #81-Is Inflation Here to Stay?
Dave and Steve get back together for an in person podcast for the first time since the start of the pandemic to discuss the question on everyone’s minds. Is inflation here to stay? The popular opinion says that the unprecedented levels of government spending will lead to big inflation numbers in the next few years. But many prominent economists feel that the inflation we are witnessing right now is just a temporary result of pent up demand. Find out what it all means for your portfolio and how to prepare regardless of who is right!
32 minutes | Jun 8, 2021
Episode #80-Five Big Money Risks in Retirement
After taking off the month of May (whoops!) Dave and Steve are back to discuss the five big money risks in retirement. What can happen when you take big withdrawals too early in retirement? Or what if you underestimate the risk of inflation? Find out all about these risks (and more) by listening to the latest episode!
23 minutes | Apr 19, 2021
Episode #79-The Future of Meetings and the Death of the 60/40 Portfolio
In this month’s installment Dave and Steve discuss the future of meetings in the post COVID-19 world. How many people will want to meet in person and how many people will continue to meet virtually? After a brief discussion of the current housing market, Dave and Steve wonder about the future of a 60/40 portfolio. Will this portfolio still offer investors a solid risk adjusted return in the future? Or is it time to re-think a balanced portfolio?
27 minutes | Mar 25, 2021
Episode #78-One year Anniversary of the COVID Decline
Dave and Steve mark the one year anniversary from the bottom of the stock market’s COVID decline. How far has the market recovered since the March 23rd, 2020 low? They look back on the feelings we all had and the actions that many of us took (or didn’t take) in our portfolios. What would you have done differently? And how can the lessons of the last year help you prepare for next time?
26 minutes | Mar 11, 2021
Episode #77-Recent Stock Market Losses and Rising Interest Rates
Dave and Steve help listeners make sense over the recent decline in stocks and rapid rise in interest rates. What does it all mean? Why would rising interest rates be bad news for stocks? Is it normal for high growth stocks to be declining so much? Tune in to find out!
30 minutes | Mar 1, 2021
Episode #76-Average 401K balances and Growth vs Value
Dave and Steve mark one year of socially distanced podcasts by discussing the average 401k balance for Americans broken down by age. Find out how you compare to the rest of the country. After that they wade in to the age old discussion of growth versus value investing. Growth stocks have dominated value for most of the last decade. Will this outperformance continue or is it time for value to shine?
32 minutes | Feb 1, 2021
Episode #75-Talking Taxes
In this month’s episode Dave and Steve start off by discussing the GameStop stock saga. If you haven’t heard about it (or don’t understand it), be sure to check it out. With that out of the way, Steve breaks down the biggest financial planning moves that can save you money. Find out about how Roth conversions, Medicare premiums, HSAs and interest taxation can effect your plan!
28 minutes | Jan 4, 2021
Episode #74-Setting the Stage for 2021
As 2020 draws to a close, Dave and Steve look ahead to what 2021 might hold in store. They examine predictions from both bullish and bearish market analysts. Is there any value to listening to these talking heads? Does this change how we position our portfolios?
26 minutes | Nov 25, 2020
Episode #73-Conventional Wisdom And Investing
Dave and Steve take a look at how conventional wisdom so often fails when it comes to the stock market. Whether it was the housing crisis or the Coronavirus crisis, we can look back at how the experts got it wrong. How can you prevent yourself from falling into the trap of the iron clad argument that ends up being dead wrong?
17 minutes | Oct 22, 2020
Episode #72 Which Political Party Is Better For The Stock Market
With the US presidential election only days away, Dave and Steve examine a question that we have all pondered. Who is better for the stock market, Democrats or Republicans? The more important question: Should you take any action and change your portfolio? The answers might surprise you!
27 minutes | Sep 17, 2020
Episode #71-Gambling, Inflation And Scams
In this month’s podcast Dave and Steve discuss a variety of topics. In 2020 there has been a dramatic rise in small investors placing risky bets in the stock market. Has the lack of sports gambling lead to a rise in stock market gambling? Next up they discuss the prospects for inflation going forward and what we can learn from the past. Last but not least, they discuss the ever present investment scam artist. How do these crooks pray on our fears to part us with our money?
24 minutes | Aug 17, 2020
2020 8 20 How Well Do You Know Social Security Rules
In the latest episode Dave and Steve find out how well you know Social Security. See if you can beat Dave in this 12 question quiz about the ins and outs of the single largest retirement income source for most Americans.
23 minutes | Jul 21, 2020
2020 7 17 The Impact On Savers And 10 Year Predictions
In this month’s episode Dave and Steve discuss the impact of low interest rates on your savings. Also, they look at Goldman Sachs’ prediction for the stock market over the next 10 years. How would these projected returns effect your retirement?
26 minutes | Jun 23, 2020
Episode #68-When To Sell Stocks
In their continuation of social distancing podcasts, Dave and Steve tackle a big question: When should you sell stocks? A simple question with many complicated answers. In addition, Dave discusses the plans for a Capitol Retirement Strategies newsletter. Listen now to hear all the details!
23 minutes | May 27, 2020
Episode #67 Coronavirus Update and Social Security COLA
As Dave and Steve continue their social distancing podcasts, they start by providing an update on the stock market. How far did the market fall and how far has it come back? How can we justify the current market levels given the horrific economic data? After that, Dave and Steve discuss inflation and how that has effected social security recipients for the past 20 years.
26 minutes | Apr 23, 2020
Episode# 66-What to do if you Retire Right Before Coronavirus
Dave and Steve continue their social distancing podcasts with a jammed packed episode. First they discuss the various toys Steve is buying for his kids to keep then occupied during the quarantine. Then they discuss the latest gem from Barry Ritholtz on what to do if you retired right before the Coronavirus. Last but not least, they discuss the surprising fact that bonds have outperformed stocks over the last 20 years. What does this mean for investors, and will it continue?
20 minutes | Apr 6, 2020
Episode #65: Old Man Dividend And The Long Term Effects Of Stimulus
Episode #65: Old Man Dividend And The Long Term Effects Of Stimulus by Capitol Retirement Strategies
23 minutes | Mar 18, 2020
Episode #64- More Coronavirus Updates
The speed of the stock market decline over the past month has been breathtaking. Dave and Steve offer their latest thoughts on the Cornavirus market decline. How can we use bonds to help us ride out the decline? How quickly have prior markets recovered? Are there any areas of opportunity?
18 minutes | Mar 2, 2020
Episode #63 - Coronavirus Update
The last five days have certainly been an interesting time to be an investor in the stock market. After an initially muted reaction to the coronavirus reports, stocks are now down 13% from their high. In this special coronavirus podcast Dave and Steve discuss their thoughts and concerns going forward. Here are a few highlights: The market: While the market is down 13% from its high, the S+P 500 is still up around 6% over the past 12 months. It is certainly possible that things could get worse as the impact of the virus is felt in economies around the globe. It is even possible that the coronavirus could be the long awaited catalyst that tips the economy into a recession. That said, we have to remember that market declines and recessions are a normal part of investing. On average, a 10% market decline occurs every 10 months. A 20% market decline typically occurs every 3.5 years. It has been 11 years since the last decline of more than 20%. Changes we are making: We don’t believe anyone can accurately predict the right time to get out and the right time to get back in. It is times like this that we are reminded why we hold conservative assets such as bonds, cash and annuities. These assets can provide us with a safe place for withdrawals without being forced to sell stocks low. With this in mind, we will be adjusting all withdrawals going forward to come from your non-stock assets until the market has recovered. We will handle this and no action is needed from you. Reasons for optimism: The markets have successfully weathered past outbreaks such as SARS, MERS, swine flu and bird flu. In most of these cases the stock market generated a decent return 12 months after the outbreak. Short term declines have often created an excellent buying opportunity for long term investors. Further reading: If you are eager to read more, here is one of the better responses we have seen: https://lgam.com/an-update-on-the-coronavirus/ As always, feel free to reach out with any questions or concerns.
19 minutes | Feb 20, 2020
Episode #62- What We Don't Know About Stocks
Have equities become too risky? How much longer will the decade-long bull market last? Is a stock crash or a recession coming? Should I sell? In this month’s podcast Dave and Steve look for insight and wisdom from the words of legendary author and finance professor Burton Malkiel. Tune in to find out what this means for your investments!
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