Paul Merriman Financial Education for Every Stage of Life

Join Paul Merriman, Chris Pedersen and Darryl Bahls as they respond to these questions from investors:Show more

What can a Do-It-Yourself investor do to prepare his/her spouse/partner for managing retirement investments should the DIY investor die first? Learn how Paul, Chris and Daryl are each personally preparing for their generally disinterested spouses to take over the investments.

How can buy-and-hold investors best face information that challenges them to not trust the market? Each of the three discuss how they digest daily news.

A listener notes his concern that he hasn’t seen enough data to justify using more than the S&P 500 and asks, Where can I access the data for the earlier period? He says that from 2014 through 2022, the S&P 500 has performed better than the Ultimate Buy and Hold Portfolio. He has been able to track performance into the 1990s for the UBH Portfolio but wants to do his own testing on the period prior to 1990.

For investors struggling to trust market returns, Paul suggests investors take a close look at Table B14A https://paulmerriman.com/wp-content/u.... Investors must expect big differences in asset class short-term returns. Note that the S&P 500 outperforms small-cap value 46% of the time with an average 11% better return in those years. On the other hand, the other 54% of the time, the SCV advantage produced over 16% average outperformance. It should come as no surprise that in 2022, SCV beat the S&P 500 by 8% to 14% depending on the average company size and value discount of the small-cap-value asset class.

Does Paul still uses the Vanguard Short-Term Corporate Bond Fund (VSCSX) for short-term cash needs?

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We are not investment or tax advisors, and this should not be considered advice. It is very important to do your own analysis before making any investment or employing any tax strategy. You should consider your own personal circumstances and speak with professional advisors before making any investment.

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