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All Questions, No Dumb Ones

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Manage episode 480118891 series 31291
Content provided by Don McDonald. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Don McDonald or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Don records this Q&A episode a bit early—right before heart surgery—to make sure listeners don’t miss their Friday dose. He kicks off with a listener confused by a boilerplate $50 foreign stock fee warning on a Fidelity Zero fund (spoiler: it doesn’t apply). Another caller is teetering on the edge of retirement viability with $500K, pensions, and Social Security—Don offers honest thoughts on withdrawal flexibility and why waiting on SSI might be wise. Then comes a takedown of Wealthfront’s direct indexing for small investors (aka “gimmickry”), a nuanced answer about annuitizing a pension vs. taking the lump sum, and finally, a nearly microscopic comparison of IXUS vs. VEU for international exposure. Birds chirp, bells ring, and Don reminds everyone that free help is just a click away

0:05 Early episode recording—Don preps for heart surgery
2:07 Fidelity Zero fund confusion over $50 foreign stock disclosure
5:40 Can I retire with $500K, two pensions, and a 60/40 Roth portfolio?
9:07 Is Wealthfront’s direct indexing portfolio worth it at $20K?
12:46 Should I annuitize my pension or take the lump sum?
15:30 IXUS vs. VEU for international diversification—does it matter?

Learn more about your ad choices. Visit megaphone.fm/adchoices

  continue reading

1726 episodes

Artwork
iconShare
 
Manage episode 480118891 series 31291
Content provided by Don McDonald. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Don McDonald or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Don records this Q&A episode a bit early—right before heart surgery—to make sure listeners don’t miss their Friday dose. He kicks off with a listener confused by a boilerplate $50 foreign stock fee warning on a Fidelity Zero fund (spoiler: it doesn’t apply). Another caller is teetering on the edge of retirement viability with $500K, pensions, and Social Security—Don offers honest thoughts on withdrawal flexibility and why waiting on SSI might be wise. Then comes a takedown of Wealthfront’s direct indexing for small investors (aka “gimmickry”), a nuanced answer about annuitizing a pension vs. taking the lump sum, and finally, a nearly microscopic comparison of IXUS vs. VEU for international exposure. Birds chirp, bells ring, and Don reminds everyone that free help is just a click away

0:05 Early episode recording—Don preps for heart surgery
2:07 Fidelity Zero fund confusion over $50 foreign stock disclosure
5:40 Can I retire with $500K, two pensions, and a 60/40 Roth portfolio?
9:07 Is Wealthfront’s direct indexing portfolio worth it at $20K?
12:46 Should I annuitize my pension or take the lump sum?
15:30 IXUS vs. VEU for international diversification—does it matter?

Learn more about your ad choices. Visit megaphone.fm/adchoices

  continue reading

1726 episodes

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