How to Invest in a Taxable Account | Live Q&A

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Video Resources & Timestamps
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0:00 - Welcome to The Financial Freedom Show!
1:50 - What is "tax efficiency?"
9:52 - Rob's Re-Balancing quandary
13:34 - Passing HSAs to heirs (HSAs vs. Roth IRAs)
15:43 - Jeremy Grantham's dire prediction - skew to Int'l or USA sectors?
23:30 - Bengals going to the Super Bowl
23:44 - State taxable HSA in CA?
25:20 - Fund selections based on taxable vs. tax-advantaged
26:37 - NTSX (invests on margin) vs. VOO
30:20 - ETFRC.com - Fund Overlap tool
31:57 - I Bonds or VTSX as a first taxable fund?
34:04 - Cloning Super Investors?
36:13 - 50/50 split in Bonds? FXNAX & FIPDX
40:26 - Six-fund to Three-fund on Vanguard, which funds?
42:58 - Convert Cash to Three-fund at Fidelity
43:44 - Three-fund portfolio and the Bogleheads
44:53 - Canadian Portfolio question
47:27 - Rob's International equity percentage
48:37 - Wellington in a taxable account
51:34 - Covered-call ETFs for income
53:34 - Thrift Saving Plan question (migrate from... )
55:35 - SCHD, VTIAX in a taxable or Roth?
57:15 - Rob's preferred withdrawal strategy (in retirement)
59:00 - Rolling returns and back-testing, limits of historical data
1:00:51 - Patience and poorly performing securities
1:03:59 - FCNTX vs.FBGRX
1:06:44 - RMDs and Inherited accounts
1:08:15 - Total Market or three separate funds in taxable account
1:12:26 - How much is too much HSA?
1:14:01 - Financial anxiety
1:18:36 - Bond investing with coming Fed actions
1:20:26 - Rob's Super Bowl pick
1:22:17 - Why no Target Date Funds that are ETFs?
1:23:23 - Four-fund portfolio: VT, VTI, VOO, BND
1:26:33 - Three-fund to SWYAX (2045 TDF)
1:28:30 - Dividend ETF in taxable account
1:32:05 - Apple's percentage of S&P 500, issue?
1:34:20 - Back Door Roth question
1:35:21 - Does Rob have a pension?
1:35:41 - New Roth, which funds: SNXFX vs. SWPPX
1:38:46 - How to invest $100K, SCHD vs. VDELX
1:39:58 - Is the S&P 500 really a Blend?
1:41:11 - Where's Salty?
1:41:36 - Prioritize asset allocation targets vs. tax efficiency
1:43:22 - Balanced ETFs, AOK
1:45:05 - Resisting the urge to tinker with portfolio
1:46:29 - New investor question, repay TSP loan or invest?
1:47:35 - Robinhood and margin
1:47:54 - Asset allocation with rental properties
1:51:11 - Long term impact on taxes, with foreign dividends
1:52:19 - Covered-call investing for long-term retirement income
1:53:28 - Bond investing resources
1:53:50 - Index funds relative to other investments
1:54:38 - Inherited IRA (old rules), transfer pitfalls?
1:55:34 - Super Investors, pt. II
1:57:22 - Got burned by Vanguard TDF tax issue, what to do now?
1:58:57 - Passive income question, stocks or index ETFs?
2:00:45 - Understanding the spread in sports betting
2:01:52 - Mutual funds vs. ETFs
2:03:20 - Wrap-up


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Investing Tools
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My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B
Personal Capital (Investment Tracking, Retirement Planning): https://robberger.com/go/personal-capital/yt-
New Retirement (Retirement Planner): https://robberger.com/go/new-retirement/yt-
Stock Rover: https://robberger.com/go/stock-rover/yt-
M1 Finance $30 Bonus (IRA & Taxable Accounts): https://robberger.com/go/m1finance-bonus/yt-

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Credit Cards & Banks
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Wells Fargo Active Cash (Cash Back): https://www.allcards.com/go/wf-active-cash/yt-
Chase Sapphire Preferred (Travel): https://www.allcards.com/go/sapphire-preferred/yt-
U.S. Bank Visa Platinum (0%): https://www.allcards.com/go/usbank-visa-platinum/yt-
Axos Bank (High Yield Savings): https://www.allcards.com/go/axos-savings/yt-
OnJuno (free checking): https://www.allcards.com/go/onjuno/yt-

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Popular Videos
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1️⃣ How to Create a 3-Fund Portfolio: https://www.youtube.com/watch?v=kmw8OpGp2rM
2️⃣ How I Manage 28 Accounts in One App: https://www.youtube.com/watch?v=cQk6EQk3iGg
3️⃣ 7-Step Financial Checkup: https://www.youtube.com/watch?v=mNWGWxKzKTY

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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