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The Ric Edelman Show: August 3, 2019

Duration: 1:22:46

On this episode:

  • The Problems With Indexed Universal Life Policies
  • Why Are Retirement Account Rules so Complicated?
  • How Did the Average Stock Fund Investor Lose Twice as Much as the Market Last Year?
  • Having Fun With Numbers and Making the Math Work for You

On this episode:

The Problems With Indexed Universal Life Policies

Duration: 6:57

Regulators have recently expressed worries about the sales practices regarding some insurance products like indexed universal life policies. The sales pitches usually state that you’ll make money with these products when the market goes up and won’t lose money when the market goes down. Listen to Ric Edelman explain the catch and expose the whole truth about these products.


Why Are Retirement Account Rules so Complicated?

Duration: 7:33

A listener calls the show with a question about required minimum distributions (RMDs). He has two retirement accounts and needs help understanding the rules regarding RMDs. Listen to Ric Edelman explain the rules in a simple way and share advice on how to handle required distributions.


How Did the Average Stock Fund Investor Lose Twice as Much as the Market Last Year?

Duration: 9:56

The annual survey of individual investor behavior was recently released and revealed that lots of investors are still doing it wrong. The report found that the average stock fund investor lost 9.4 percent last year, while the S&P 500 fell by about 4.5 percent. Listen to Ric Edelman share a surprising reason why so many investors underperform the market and how you can learn from the average investor's mistakes.


Having Fun With Numbers and Making the Math Work for You

Duration: 2:12

You can increase your retirement savings by 10 percent with a simple and easy change to your retirement plan at work. Listen to Ric Edelman explain how and share more tips on how to save more money.


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These callers were prerecorded and prescreened.

This material was prepared for informational and/or educational purposes only. Neither Financial Engines Advisors L.L.C (also referred to as Edelman Financial Engines) nor its affiliates offer tax or legal advice. Be sure to consult with a qualified tax or legal professional regarding the best options for your particular circumstances.

An index is a portfolio of specific securities (common examples are the S&P, DJIA, NASDAQ), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance does not guarantee future results.

An index is a portfolio of specific securities (common examples are the S&P, DJIA, NASDAQ), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance does not guarantee future results.

This material was prepared for informational and/or educational purposes only. Neither Financial Engines Advisors L.L.C (also referred to as Edelman Financial Engines) nor its affiliates offer tax or legal advice. Be sure to consult with a qualified tax or legal professional regarding the best options for your particular circumstances.

An index is a portfolio of specific securities (common examples are the S&P, DJIA, NASDAQ), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance does not guarantee future results.

*InvestmentNews ranking and status for 2017. For independence methodology and ranking, see InvestmentNews Center.

**The Top 40 Independent Advisory Firm Ranking issued by Barron’s is qualitative and quantitative, including assets managed, the size and experience of teams, and the regulatory records of the advisers and firms. Firms elect to participate, but do not pay to be included in the ranking. Investor returns/experience are not considered. 2018 ranking refers to Edelman Financial Services, LLC. (EFS), which combined its advisory business in its entirety with Financial Engines Advisors L.L.C. (FEA) in November 2018. For the same survey, FEA received a precombination ranking of twelfth.

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©2019 Edelman Financial Engines, LLC. Financial Engines® and Edelman Financial Engines™ are trademarks of Edelman Financial Engines, LLC. All advisory services offered through Financial Engines Advisors L.L.C. (FEA), a federally registered investment advisor and wholly owned subsidiary of Edelman Financial Engines, LLC. FEA may also be referred to as Edelman Financial Engines or Financial Engines. Results are not guaranteed. Copyright ©2019 Edelman Financial Engines, LLC. All Rights Reserved.