Лучшие подкасты про Capital Group (2025)

1
5 Things a Good Financial Advisor Will Do for You 33:14

19d ago33:14

33:14

There’s a lot of confusion about what a financial advisor actually does. Some people think it’s all about picking investments or predicting the market, but the best advisors focus on something much more personal: you and your goals. The best advisors explain how they’re paid, talk openly about risk, give you time to make decisions, and encourage yo…

1
3 Tax Traps Most People Miss 33:29

26d ago33:29

33:29

You’ve probably heard that taxes are unavoidable. Fair enough. But what if we told you that in some cases, you might be paying more than you should, simply because you didn’t know the rules? Taking money from the wrong account, misreporting after-tax IRA contributions, accidentally triggering Medicare surcharges: These are tax traps that are hiding…

1
The Best Way to Win Is to Keep from Losing 34:35

1M ago34:35

34:35

There are perhaps many thousands of books out there that purport to tell you how to "win" in investing. Many of them contain various gimmicks and "secrets" that are supposed to help you beat the market and earn a fortune. Here's another secret: not a single one of them is worth what you pay for them. A better way to potentially win in investing is …

1
Is "Value Averaging" Really the Key to Long-Term Success? 32:27

1M ago32:27

32:27

If there's one thing we can always be sure of, it's this: the stock market is unpredictable. There will be months or years where the market exceeds expectations, and there will be other times when it underperforms and winds up below where you expected it to be – sometimes, way below. A strong risk management approach to investing may help stave off…

1
Why the First Five Years of Retirement Are the Most Dangerous 34:31

2M ago34:31

34:31

Did you know that what happens with the stock market in the first few years of your retirement can either make or break your entire nest egg? It's true. If you retire just when the stock market takes a downturn, and you're selling stocks to provide yourself with an income, you're courting disaster. Of course, there's nothing you can do about market…

1
Why Bonds Are Not the Simple Assets They Appear to Be 35:55

2M ago35:55

35:55

You're probably familiar with bonds as an asset: you make a loan to a company or state or municipality, and you hope to be paid back over time with interest and, ultimately, your principal. And while that is the most basic definition, the real working of bonds and the bond market are far more complex. Underneath the surface, there are many things t…

1
5 "Rules" of Finance That You Can Easily Break 35:22

2M ago35:22

35:22

Lucia Capital Group

1
Volatility Is NOT Risk - Why This Matters to You 33:16

2M ago33:16

33:16

When it comes to stock market investing, what creates the most anxiety and fear? Usually, it's when the markets are behaving erratically. Put another way, it's when the markets are volatile. Or to put it yet another way, it's during virtually every short-term measurable time period. It would be tough to find any period of time when the stock market…

1
Why You Should NEVER Own Real Estate in Your IRA 33:29

2M ago33:29

33:29

You may have noticed that real estate prices have been soaring over the past five or so years. And with the stock market gains we've experienced over that same period of time, you may have also seen a similar increase in the balances of your existing IRAs. This has caused some people to wonder: if I want to buy real estate now, but most of my money…

1
How to Pay NO Federal Tax on $100,000 of Income 35:42

3M ago35:42

35:42

Here's a question: Is it really possible to take a six-figure income and pay no federal taxes on it? Depending on the sources of your income and how you use the tax brackets, it may indeed be possible. What it all comes down to is knowing how the tax brackets work, and knowing what income is taxed at what rate. The bigger picture for you is this: t…

1
Can Bucket 1 Actually Increase Your Social Security Benefits? 36:31

3M ago36:31

36:31

The question of when to take your Social Security retirement benefits often comes down to whether you need the money now or can wait until later. Larger benefit checks await those who take it later, but is there a way to perhaps get the cash flow you need right now from another source while delaying your benefits as long as possible? Bucket 1 may b…

1
College Savings and 529 Plans - What You Need to Know 36:43

3M ago36:43

36:43

With the cost of college in the US skyrocketing, many parents find they need to begin saving almost immediately if they want their children to be able to attend. One avenue for doing that is the 529 Plan, which comes with both benefits and costs. Lately, though, the 529 has become less popular among savers. The reasons? Tuition costs, market uncert…

1
The One Thing Your Financial Plan Can't Live Without 33:11

3M ago33:11

33:11

A good financial plan will contain many elements: a source of cash flow, assets that are matched to liabilities, tax management, and investment oversight, to name just a few. And while these are important parts of a financial plan, there is perhaps one additional component that is above all else: room for error. In investing, as in life, there are …

1
Why You Should Manage Risk - NOT Return 35:29

4M ago35:29

35:29

In the investing world, there are certain things that are out of your control: the short term direction of the stock market and where the economic trends are headed, to name just two. These are, of course, impossible to predict with accuracy. Because of this, we have to assume that certain unforeseeable risks will occur along the way. And while we …

1
Which Pension Benefit Option Should You Choose? 36:25

4M ago36:25

36:25

If you have a pension, the decision of how and when to take the payments is an important one – and, probably irrevocable. Maybe you have the choice to take the entire amount as a lump sum; if so, is that option potentially better than a stream of monthly payments? And then there are your other choices. For married people who want to get as much as …

1
What You MUST Know About the New Tax Bill 36:24

5M ago36:24

36:24

In early July of this year, the new Budget Reconciliation Law was enacted by Congress. It made several changes to existing tax law, introduced some new legislation, and made other formerly temporary laws "permanent". Whether you like it or hate it, there are many things within the bill that will affect a large number of people, thus presenting some…

1
5 Things You Didn't Know About Your Taxes 38:53

5M ago38:53

38:53

When the federal tax code was enacted more than 100 years ago, it consisted of approximately 11,000 words. Today, it contains north of 16 million words. It's no wonder, then, that trying to understand all the rules, exceptions, and instructions is nearly impossible. We're going to attempt to make things just a bit easier for you today. While we won…

1
5 Things You Didn't Know About Your 401k 39:25

5M ago39:25

39:25

A few months back, we explained how the 401(k) plan has become a default retirement savings plan for most people, and is thus a very important saving vehicle. We also talked about how the rules, options, and investments of a 401(k) can be extremely confusing. It's time to clear up that confusion - or at least address it. With all the options, rules…

1
5 Things You Didn't Know About Your Roth IRA 37:52

5M ago37:52

37:52

One thing that most people would agree on is that paying no taxes is a lot better than actually paying them. This makes the tax-free nature of Roth IRA withdrawals very attractive, as long as all of the specific rules are met. Although the Roth was established more than 25 years ago, for many it still remains something of a mystery. You may have he…

1
5 Things You Didn't Know About Your Social Security Benefits 38:56

6M ago38:56

38:56

For many retirees, Social Security is a cornerstone of their income strategy. That makes sense - it helps establish how much support a retirement portfolio will need to provide, and when. But understanding how to get the most out of your benefits is more than just choosing an age to start collecting. There are spousal and survivor benefits to facto…

1
What No One Teaches You About How to Be Retired 34:40

6M ago34:40

34:40

Many people spend years preparing financially for retirement, but almost no one prepares for the emotional side of it. When the paychecks stop, the questions often start: Am I spending too much? What if I outlive my money? What am I supposed to do with all this time? It takes a certain blend of art and skill to manage your income and taxes while al…

1
What Some People Get Wrong About Buckets 35:39

6M ago35:39

35:39

The Bucket Strategy® is both simple and complex: while the structure on the outside is easy, the inner workings can vary wildly from person to person, depending on several factors. No wonder, then, that many people (journalists included) have some incorrect ideas about what the strategy is. A few assumptions are that it’s only about cash and stocks…

1
Is "Blending" Your Buckets a Better Strategy? 35:32

6M ago35:32

35:32

It's true that in general, the basic Bucket Strategy® consists of a 3-, 4-, or 5-Bucket plan, with each bucket separated into short-term, mid-term, and long-term assets. But did you know that a good Bucket Strategy will often “blend” buckets to potentially give a retiree a much better overall outcome? "Blending" the buckets means to combine the cas…

1
Why Survival Is the Most Important Tactic in Investing 33:19

6M ago33:19

33:19

What's the most important quality an investor could have? Some people would say it's the ability to achieve the highest rates of return possible over the longest period of time possible. But those people are wrong. It's the survival instinct - especially over the short term. Too many investors are so busy jumping in and out of stocks as trends and …

1
Why You May (or May NOT) Need Protected Income 38:47

7M ago38:47

38:47

A steady cash flow stream is one of the most valuable things you can have, both before and after you retire. Pensions guaranteed by the PBGC and Social Security are two forms of this "protected income," and are designed to pay you as long as you live, regardless of current stock market conditions. But if you don't have a pension, or your Social Sec…

1
Answering More of Your Buckets Questions 36:16

7M ago36:16

36:16

In our previous episode, we answered 5 of your most common questions about The Bucket Strategy®. Those covered some of the more "basic" elements of the strategy, but they're important to know in order to understand the deeper meaning of Buckets. This week we're answering a few more, but these questions are what we might call the "next level up" fro…

1
Answering Your 5 Most Common Buckets Questions 33:57

7M ago33:57

33:57

We've been talking about The Bucket Strategy® for decades, and over that period of time, we've received thousands of questions about how the strategy works: what it does, when the buckets should be refilled, and how it works when interest rates rise or fall, among others. People's questions about The Bucket Strategy® generally range from the very b…

1
A Tale of Two Retirements: One Good, One Bad 33:17

7M ago33:17

33:17

How is it possible that two individuals could retire with the exact same portfolio allocation and use the exact same withdrawal strategy, and yet one is still going strong after 40 years while the other is completely destroyed before year 10? The problem comes with the uncontrollable element of investing: the stock market itself. What happens with …

1
Do You Really Have to Pay Taxes On a Gift? 34:51

8M ago34:51

34:51

Have you heard of the "Gift Tax?" Many people are at least familiar with the term, but relatively few know how, when, or where it might be applied. Generosity certainly has its benefits, but is there also a tax that someone should be paying? The answer is both yes and no. And it all depends on a few important factors. Knowing how the gift tax works…

1
Should You Ever Consider a 401(k) Loan? 33:03

8M ago33:03

33:03

For many people, the 401(k) is their largest source of retirement savings. Because of that, it may be tempting to tap into some of that money in the form of a loan if you need some quick cash. But is that smart? Maybe - but only if you're aware of the rules and the potential pitfalls of borrowing from your plan. While it can provide you with a cert…

1
What If the Markets Crash When You Start Retirement? 35:26

9M ago35:26

35:26

After years of building your savings, there are a number of scenarios that threaten to deplete it. But what happens if you retire just when the stock market takes a big downturn? If you're selling stocks to provide yourself with an income, you're courting disaster. Of course, you have to have an income, and maybe a portion of that income has to com…

1
The Truth About This Volatile Stock Market 36:55

9M ago36:55

36:55

The first trading two weeks of March, 2025 were brutal for stocks. Nearly $4 trillion of value was lost in less than a month. All of this negative volatility, with suspicions that more is to come, has created a great deal of fear and panic among savers who don't want to see their gains wiped out. What many people don't understand, though, is that v…

1
What You MUST Know About Inheriting an IRA 37:09

9M ago37:09

37:09

In the middle of 2024, the rules changed for people who become beneficiaries of an IRA. We devoted an entire episode to those changes at that time, but there's a lot more you need to know if you're planning on inheriting a tax-deferred account like a traditional IRA. While it's always nice to inherit assets of any kind, there are rules you need to …

1
Will Your Taxes Really Be Lower in Retirement? 34:49

9M ago34:49

34:49

Several weeks back, we talked about how different types of retirement income are taxed. This topic created a follow-up question from several listeners who wanted to know: Will I be in a lower - or higher - tax bracket in retirement? You might think that once you begin retirement, your tax bill will tend to go up at first, since people normally have…

1
How to Use the Tax Brackets to Your Advantage 34:53

9M ago34:53

34:53

The US tax system is by design a complicated beast, and trying to understand it all is a daunting challenge. And yet, unless you understand how the tax brackets work, you may be paying a LOT more in taxes than you actually owe. Most taxpayers assume that the amount of tax they pay is determined by which tax bracket they're currently in. This is bot…

1
How Are Your Social Security Benefits Taxed? 37:09

10M ago37:09

37:09

You've probably heard that your Social Security benefits are subject to taxation. You may have also heard that they're never taxed at all. Is it possible that both scenarios are true? The fact is that under current law, sometimes a recipient's Social Security benefits will wind up being taxed under certain conditions, while others may never pay a d…

1
Let's Talk About Your 401k 30:10

10M ago30:10

30:10

For many people, the 401(k) plan has become the default retirement savings plan. Opting in early enough, combined with consistent contributions over a long period of time, may yield very good results. Thus, it's an important saving vehicle. But the setup, rules, options, and investments of a 401(k) are often extremely confusing. Is there a match? W…

1
Here's How to Supersize Your Roth! 34:14

10M ago34:14

34:14

Having money in a Roth account can be great - especially if the cost to get that money in there is minimal. But there are some people who cannot contribute to a Roth IRA because their annual income is too high. Wouldn't it be great if you could not only get money into a Roth without worrying about the income limits, but also be able to fund a lot m…

1
Comparing the Portfolio Withdrawal Methods - Which Is Best? 35:31

10M ago35:31

35:31

It’s been said – by us – that keeping your wealth can be a much harder task than accumulating that wealth. And it's true. If you don't have the right withdrawal strategy when taking cash flow from your investment portfolio, you stand a real risk of running out of money. What methods do people use when they're taking money out? And which, if any, ma…

1
Financial "Resolutions" to Make in 2025 37:02

11M ago37:02

37:02

It's the start of a new year, which means right now is a very good time to begin thinking about what your financial goals are for 2025. Sometimes, though, that's easier said than done. How do you know what to prioritize this year? What sort of goals should you be setting, and how do you know if those goals are both reasonable and attainable? And wh…

1
How Different Types of Retirement Income Are Taxed 38:42

11M ago38:42

38:42

Many retirees have several sources of retirement income: IRAs, 401k accounts, personal money, pensions, and Social Security, to name just a few. Because of this, they may find that it's extremely hard to predict their tax bill each year if they're not sure how - or if - these sources of income will be taxed. Knowing the potential taxation of your i…

1
Here's How Your Social Security Benefits May Be Reduced 38:47

11M ago38:47

38:47

When the SSA sends you your benefit projections each year, there is an actual amount that they're telling you that you will receive, depending upon what age you begin taking them. So you might think that the number they tell you is the amount you'll be receiving. But this is not always the case. There are a few scenarios in which the benefits you r…

1
Here's One More Tax Move to Make Before 2025 39:04

12M ago39:04

39:04

We're nearing the end of the year, and while there's not a whole lot left that you can do to perhaps improve your tax situation for this year, there actually is one more thing you may be able to accomplish before 2025. It's called a QCD - or Qualified Charitable Distribution. If you're at least 70 1/2 years old, and you're charitably inclined, this…

1
Is This a Good Time for Roth Conversions? 38:12

12M ago38:12

38:12

Today we're asking the question that we posed to our listeners at the beginning of 2024: Is this a good time to do your Roth conversions? There are reasons for doing them at the end of the year, just as there are also sound reasons for waiting until the new year begins. What it all comes down to is whether or not you know your tax situation for the…

1
Why the Wrong Withdrawal Strategy Can Be Disastrous 38:33

1y ago38:33

38:33

Building a nest egg is relatively easy if you're both consistent and patient. Regular contributions over time can lead to compounded growth, which may give you the amount of money you need to live on. But while building a savings can be easy, keeping it from running out is a whole other challenge. How you take withdrawals from your savings once you…

1
Let's Do an Actual Bucket Strategy! 39:37

1y ago39:37

39:37

Regular listeners to this podcast know that we talk a lot about a Bucket Strategy, and why we so firmly believe in it. But it's important to note that we're not just referring to any bucket strategy - rather we like to refer to it as THE Bucket Strategy®. To us, it's not as simple as dividing up assets into three segments and then calling it a day.…

1
Asset Location - The Hidden Gem of Tax Management 38:43

1y ago38:43

38:43

There's a well-known topic in the investing world known as Asset Allocation which is primarily about deciding which asset categories you should own – stocks, bonds, CDs, alternative investments, etc. It's an important part of building your portfolio. But there's another, equally important part that doesn't get talked about nearly enough: Asset Loca…

1
How Much Can You "Safely" Withdraw From Your Portfolio? 39:22

1y ago39:22

39:22

Most people, by the time they reach retirement age, have a certain amount of money saved up that they'll need to tap into from time to time. Problem: that money may need to last a lifetime, and because you don't know how long you'll live, you have no idea how much is "too much" to take out. You' re going to require a certain amount of money to meet…

1
Do Not Confuse Volatility With Risk! 37:22

1y ago37:22

37:22

When the stock market behaves erratically, it can create a lot of fear and anxiety among investors. Large swings to both the up and down side are what is known as volatility, and, like turbulence in an airplane, it can make people jittery and prone to making rash moves. Stocks are always volatile in the short run. But stock market investing should …

1
Building Wealth vs. Keeping Wealth 37:23

1y ago37:23

37:23

It's a fact that many people are not aware of: your wealth accumulation strategy should be vastly different from your wealth distribution strategy. In fact, they require very nearly opposite skills. Building your nest egg requires you to use the market volatility to your advantage, using various means like dollar cost averaging and buying through t…

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