Jason Zweig

speaker

906 appearances 17 recordings 1 series first heard Jan 2018 last heard Sep 2022

Jason Zweig’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · These Bear-Market Stock Strategies Aren’t Working This Time Around · 29 Sep 2022 podcast

Be patient.

If you have some spare cash, now is probably a pretty good time to add it to a stock portfolio.

If you're older, you have to do everything you can to avoid drawing down from your stock portfolio at a time when values have fallen.

And for most other investors, you probably just want to try to ride it out.

I think there are two things that are paramount.

The first is, at least so long as the bear market lasts, you should be prepared to work a little longer.

I mean, the real enemy of someone in or near retirement is the need to spend from a stock portfolio that has fallen in value because then you take paper losses and you lock them in as real losses when you withdraw and you turn your stock portfolio into cash to meet your spending needs.

And you should avoid that at all possible costs if you can.

The second thing you can do as someone who's in or near retirement

is really work your cash to the extent that you have liquid savings.

They're probably in a bank account, and they're probably earning maybe a tenth of a percent in interest.

And you can do way better than that by moving to either a money market mutual fund or to short-term treasuries, which you can buy either direct from the government or from an online broker.

And you can probably raise the return on your cash about 20-fold if you do that.

My pleasure.

Thanks, JR.

WSJ Your Money Briefing · Holding Onto Cash? Fintechs Offer High Yields—and Higher Risk. · 19 Jul 2022 podcast

you should approach yields of 3% to 4% to 5% and higher with a lot of skepticism because the fintech generating that is doing something that banks can't and won't do, and you need to understand that before you commit your money.

Great to be with you, Jer.

Well, so these companies, these fintech startups usually represent what they're doing as a sort of modified savings account.

And the way they get these higher yields is by investing in the financial markets.

So this is not a yield that you're earning on the savings account itself.

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