Anne Tergesen
speaker
4,485 appearances
83 recordings
1 series
first heard Jul 2017
last heard Feb 2025
Anne Tergesen’s voice in public audio — every appearance, attributed to the second.
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That's much higher than zero, which is where we were a couple years ago.
However, people will point out that especially for younger investors and even for older investors, it's important to have some exposure to stocks because historically, stocks have returned north of 7% a year on average, and that's after inflation.
There's no substitute for inflation.
having stock market exposure for long-term growth.
So particularly for younger investors, but also for people who are getting ready to retire, who maybe are facing a 30-year retirement, there's still a strong argument that at least some money should be in the stock market for growth.
This idea of rolling over and sitting in cash is a little less costly now, but it still isn't necessarily optimal for most people.
It's very easy.
You just pretty much go online.
Most people have online accounts.
If you don't, you can set that up.
And then you just look and see where it's invested.
You can direct the provider to purchase X number of shares of whatever you want to buy online.
I think the hard part for people is that with 401ks, there's usually a pretty limited investment menu.
In fact, maybe a dozen choices typically, maybe 20 at most.
But in the IRA world, there are thousands.
So for people who are confronted by thousands of choices and they don't know why,
what they need, what they want, they don't really know much about investing, that can be kind of overwhelming too.
So I think in that case, it's helpful to get some advice.
There are advisors who will do sort of a one-time consultation for people.
But in terms of the actual transaction and sort of going into your IRA online and looking to see what it's invested in and then redirecting that into other, you know, stock and bond investments, that's actually pretty easy to do once you know what you want to invest in.
Showing 321–340 of 4,485 · page 17 of 225
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