Index Funds and Retirement Spending Strategies

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Long Story Short

Burney Wealth Management

21 episodes

1 week ago

Long Story Short is a weekly financial planning and investing podcast from Burney Wealth Management. Each week, your hosts Andy Pratt, CFA, CAIA and Adam Newman, CFA, CFP®, discuss the biggest questions they’re hearing from clients. They’ll occasionally bring in team members and interesting guests to discuss specialized topics like estate planning, business succession, and retirement income strategies. Founded in 1974, The Burney Company is a fee-only investment advisory firm that manages $3 billion in assets. Learn more about comprehensive financial planning at burneywealth.com.

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Index Funds and Retirement Spending Strategies

Long Story Short

37 minutes 56 seconds

2 weeks ago

Index Funds and Retirement Spending Strategies

Andy dresses up as an index fund for Halloween (yes, really). The costume sparks a conversation about what index funds actually are, why they've dominated recent returns, and what happens when mega-cap stocks stop outperforming.

Plus, Adam breaks down three approaches to retirement spending - from detailed spreadsheets to the famous 4% rule to a more flexible guardrails method. They also discuss what rising bear market experience means for different generations of investors.

We cover:

Why index funds are mostly just the biggest stocks in different sizes
The performance chasing problem with yesterday's winners
Small cap and value stocks historically outperforming over long periods
Three ways to figure out retirement spending (and why flexibility matters)
What the 4% rule actually assumes (and what it misses)
The guardrails approach to retirement withdrawals
How many bear markets different generations have experienced
Gifting Roth IRA contributions to young family members

⏱️ Timestamps:

(00:00) Andy's index fund Halloween costume
(02:38) Why index funds have been such a big win for investors
(04:45) The concentration problem - when the biggest stocks dominate
(06:09) Performance chasing and what happens when mega caps slow down
(08:08) Small cap and value premiums over the long run
(14:20) Three approaches to retirement spending budgets
(16:50) Why detailed budgets never play out exactly as planned
(18:50) The 4% rule and what it misses
(22:00) The guardrails approach to retirement spending
(28:30) Bear markets by generation - experience shapes perspective
(33:40) Gifting Roth IRA contributions to kids and grandkids
(36:05) Podcast disclosures

Resources:

Follow Burney Wealth Management on LinkedIn | www.linkedin.com/company/burneywealthmanagement

Follow Adam Newman on Linkedin | https://www.linkedin.com/in/adam-newman-cfa-cfp%C2%AE-mst-ricp%C2%AE-cepa-48853916/

Follow Andy Pratt on LinkedIn | https://www.linkedin.com/in/andyjpratt/

#IndexFunds #RetirementPlanning #RetirementSpending #WealthManagement #InvestingStrategy

The Burney Company is an SEC-registered investment adviser. Burney Wealth Management is a division of the Burney Company. Registration with the SEC or any state securities authority does not imply that Burney Company or any of its principals or employees possesses a particular level of skill or training in the investment advisory business or any other business. This content is for informational and educational purposes only. It is not intended as personalized investment advice or a recommendation.