Long-term investors face more complexity over time. I provide guidance and clarity. I'm Jesse Cramer, former aerospace engineer, now fiduciary financial planner, writer of The Best Interest and voice behind Personal Finance for Long-Term Investors. I'll help you create a structured plan for your financial life; one coherent system that you understand, that you can implement, and that works. Without a good system, your wealth quietly erodes. The conversations we avoid become the problems nobody planned for. You've done the hard part. Let's figure out the rest.
Should Investors Own Individual Bonds or Bond Funds? [& Why?]
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Good afternoon! Thank you for reading The Best Interest And listening to my podcast, Personal Finance for Long-Term Investors From the blog...Reader Jon: Jesse, I am not sure why people would buy traditional bonds if you can get a similar yield in a bond ETF (which is more liquid)? Lots of other readers: My bond funds took a beating in 2022, and some are still underwater. But individual government bonds always return to par! How could you ever want to own a bond fund that loses you money, when individual bonds never do?! Let's spill some ink on this confusing, misunderstood topic. If you own bonds, you'll want to read it. On the podcast...Episode 127 of the podcast focused on retirement and longevity, featuring Jeremy Keil. We discussed:
Give it a listen below! Longevity and Retirement | E127 Weekly Top 3 - Other Content You Can't MissOk - just 1 this week. But in light of concerning global-order sabre-rattling (which, yes, has found a way to penetrate my personal investing armor), I wanted to share some timeless advice from John Bogle.
Of which, #10 is: "...As the financial markets swing back and forth, do your best to ignore the momentary cacophony, and to separate the transitory from the durable. This discipline is best summed up by the most important principle of all investment wisdom: Stay the course!" What Are *Your* Questions?I've been creating "ask me anything" episodes on the podcast, where I answer your questions about investing, financial planning, and retirement. They are quickly becoming my most popular episodes. I'm collecting questions for AMAs 13 and 14. Work with Jesse!I work for a fiduciary wealth management firm in Rochester, NY, helping busy professionals and retirees avoid costly mistakes and grow lasting wealth to and through retirement. Learn more here --> Work with Jesse Until Next WeekThank you, as always, for reading, listening, and getting in touch. The project continues because you are a fantastic audience. People like you send me questions every single day. Send an email or ask me question: jesse [at] bestinterest [dot] blog Until next week, Jesse |
Jesse Cramer
Long-term investors face more complexity over time. I provide guidance and clarity. I'm Jesse Cramer, former aerospace engineer, now fiduciary financial planner, writer of The Best Interest and voice behind Personal Finance for Long-Term Investors. I'll help you create a structured plan for your financial life; one coherent system that you understand, that you can implement, and that works. Without a good system, your wealth quietly erodes. The conversations we avoid become the problems nobody planned for. You've done the hard part. Let's figure out the rest.
Good morning! Thank you for reading The Best Interest And listening to my podcast, Personal Finance for Long-Term Investors From the blog... What exactly are the new Trump accounts? How can people use them? Invest in them? Pay taxes on them? How do they compare to similar accounts? How will I use them and encourage others to use them? - Ehh. Trump Accounts: Not as Good as Advertised On the podcast... Episode 132 is all about controversial money and retirement topics. It's an "ask me anything"...
Good afternoon! Thank you for reading The Best Interest And listening to my podcast, Personal Finance for Long-Term Investors From the blog... I’ve struggled with this concept. I’ve seen many others struggle with it, too. Step 1: We discover a new shiny idea (…Roth conversions! …Small-cap value investing! …Qualified charitable distributions!) Step 2: This idea’s shiny appeal pushes it to the top of our priority list. Step 3: Blinded by the light, we mistakenly overemphasize this new idea to...
Good afternoon! Thank you for reading The Best Interest And listening to my podcast, Personal Finance for Long-Term Investors From the blog... The Adirondacks are a special place. Maeve and Kelly in the shallows of Heart Lake. Hiking, in particular, is my favorite part of visiting America’s largest park. The journey up one of the Adirondack “High Peaks” is grueling but rewarding. Sitting on the summit is a beautiful thing. You’ve never had a better peanut butter & jelly sandwich than when...