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The Ric Edelman Show: September 7, 2019

Duration: 1:22:45

On this episode:

  • The Real Rate of Return Retirees Need Is Lower Than You Might Expect
  • Is an Index or Target Date Fund Better for College Savings?
  • Here’s Why a Traditional Individual Retirement Account Could Be a Better Choice Than a Roth
  • How to Prioritize Your Personal Finances and Savings

On this episode:

The Real Rate of Return Retirees Need Is Lower Than You Might Expect

Duration: 9:27

A real rate of return is after costs, taxes and inflation. The real rate of return you need to maintain your nest egg and lifestyle in retirement could be a lot lower than you think. Listen to Ric Edelman reveal the real return you might need while helping a listener with the same question.


Is an Index or Target Date Fund Better for College Savings?

Duration: 6:16

A listener calls the show with a question about saving for college. He and his wife recently set up a 529 college savings account and want to know if it’s better to invest in an index or target date fund. Listen to Ric Edelman’s advice on the matter by weighing the pros and cons of these different funds.


Here’s Why a Traditional Individual Retirement Account Could Be a Better Choice Than a Roth

Duration: 9:36

A young investor calls the show with a question about a traditional IRA vs. a Roth. He has been contributing to a Roth account and is wondering whether he should now switch to a traditional IRA. Listen to Ric Edelman explain why, in this case, the traditional IRA might be a better option.


How to Prioritize Your Personal Finances and Savings

Duration: 9:55

After maxing out your 401(k) and individual retirement accounts, and paying off all your debt, where should you invest next? That’s the question a caller has and he’s wondering how to grow his savings to $2 million. Listen to Ric Edelman’s advice on what he should consider to meet his goals for retirement.


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These callers were prerecorded and prescreened.

Investing strategies, such as asset allocation, diversification, or rebalancing, do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Funds and ETFs are subject to risk, including loss of principal. All investments have inherent risks. There can be no assurance that the investment strategy proposed will obtain its goal. 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.

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.

Investing strategies, such as asset allocation, diversification, or rebalancing, do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Funds and ETFs are subject to risk, including loss of principal. All investments have inherent risks. There can be no assurance that the investment strategy proposed will obtain its goal. 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.

Investing strategies, such as asset allocation, diversification, or rebalancing, do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Funds and ETFs are subject to risk, including loss of principal. All investments have inherent risks. There can be no assurance that the investment strategy proposed will obtain its goal. 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.

*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.