Think you know the rules of thumb for retirement and investing? Think again. On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine common money myths and respond to listener questions that may reshape how you approach your financial future.
What you’ll explore in this episode:
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Begin investing at any income level by seeing how access to markets has evolved.
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Focus on long-term participation instead of trying to perfectly time the market.
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Revisit the role of cash in your strategy and reflect on whether “cash is king” still holds.
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Understand why not all bonds carry the same level of risk, despite common assumptions.
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Consider how long-term investing differs from gambling based on historical probabilities.
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Explore modern tools and AI platforms that can support your portfolio analysis.
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Avoid the comparison trap by staying grounded in your personal financial goals.
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Compare the potential uses of whole life insurance versus long-term investing in special needs planning.
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Remember that market declines only become losses when assets are sold.
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Recognize the limitations of using past performance to estimate future outcomes.
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Examine whether real estate consistently appreciates by looking at real-life exceptions and patterns.
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Shift your perspective from outperforming the market to maintaining a long-term plan.
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Emphasize the importance of hobbies and social connections alongside financial readiness in retirement.
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Track your accounts and consider when changes to a managed portfolio may be appropriate.
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Reassess how supplemental funds—like vacation accounts—fit into your broader plan and tax picture.
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Simplify charitable giving by analyzing options such as donor-advised funds and intentional planning.
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This information is provided to you as a resource for educational purposes and as an example only and is not to be considered investment advice or recommendation or an endorsement of any particular security. Investing involves risk, including the possible loss of principal. There is no guarantee offered that investment return, yield, or performance will be achieved. There will be periods of performance fluctuations, including periods of negative returns and periods where dividends will not be paid. Past performance is not indicative of future results when considering any investment vehicle. The mention of any specific security should not be inferred as having been successful or responsible for any investor achieving their investment goals. Additionally, the mention of any specific security is not to infer investment success of the security or of any portfolio. A reader may request a list of all recommendations made by Capital Investment Advisors within the immediately preceding period of one year upon written request to Capital Investment Advisors. It is not known whether any investor holding the mentioned securities have achieved their investment goals or experienced appreciation of their portfolio. This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. This information is not intended to, and should not, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.
