What Asset Class to Choose in Investing
episode
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
15 min
3 speakers
4 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
What introductory topic and show updates do the hosts cover first?
Hey, this is Daniel. Thanks for listening to DIY Money. If you haven't already, be sure to give us a five-star review on iTunes so your friends know that they can learn from the show. Now, enjoy the show.
Ladies and gentlemen, you're listening to another edition of DIY Money.
DIY Money. Slow down. You're coming way too fast. Basically becoming like a barbecue king right now. Booyah. Using the pellet smoker. It's fantastic. Love it. I love it. This last weekend, I did ribs that were really good. But the best thing I've done so far, well, one, the queso. I did smoked queso. That was really good. And then I did smoked cheese this weekend. What's the difference between smoked queso and smoked cheese? Smoked cheese is like the solid blocks, so you keep it cold, and it was freezing this weekend, so it was all good. I could do that, and then you just make it smoky, and then you put it on crackers or whatever. It was awesome.
And queso is melted? And queso is melted, yeah, with all kinds of stuff in it. But isn't queso and cheese the same thing?
I mean, yeah.
I mean, it's like Spanish. But you know what people are talking about when they say queso.
Yeah, I get it.
Yeah, no, you're just being. I'm just saying, like, I did queso, and then I did cheese. Yeah, so I'm basically an expert at cheese.
Tune in next week when the cheese goat talks goat cheese.
All right, let's go down the question route. Yeah. But I did bring up in the last podcast that, you know, pretty soon we're going to have ads.
Oh, yeah?
Yeah. Okay. So I don't know when. I don't know when they'll start. I don't know when that button hits. And listen, we'll play it by ear. We'll see how it goes. But you know what? We're putting a little gasoline on the fire for the DIY money.
Well, we're doing it so that we can expand and we can do more. That's exactly right.
And we can do videos and we can do all that stuff. And they are not cheap. Yes, that is true. They're not cheap looking into those expansion tools and so forth. Anyways, let's go to Eric in Utah. What do you got, dude?
Hi, DIY Money. Eric from Utah here. My question stems from what I was hearing Quint talk about on his Stock Market Investing podcast about opportunities in small caps. It got me thinking about whether there is an ideal asset class mix for someone saving 25 plus years out from retirement. I'm currently 100% stocks, but I'm not sure if I should be heavier on one asset class or another. Do I want to focus on growth index funds because of my long horizon? Should I have exposure in small, medium, or large cap? How about value? Should I mix in some international or emerging markets? Or should I just buy a total stock market index fund and call it good? How can I know if one asset class is falling out of favor and I should shift to another?
Any best practices and or resources to study would be much appreciated. Thanks for your insights and putting together a valuable show.
Eric, this is a absolutely fantastic question. It's chock full of goodness.
And a good follow up to when we're talking about the S&P 500 a couple episodes ago as well.
I do want to clarify what Eric referred to was a very short stint of a podcast called Stock Market Investing. We hope to bring it back. We, a gentleman and I, who's an advisor on the West Coast, a very good friend of mine and a very, very smart investor, started a podcast and, you know, kind of was one of these things that sprinted out of the gate, got some nice following. And then we kind of looked at each other and said, OK, where are we going with this? And, you know, I'm a ready aim fire guy or ready fire aim guy a lot. And that's OK. I think it's OK. It's served me well over the years. But sometimes I fire, and it actually starts to work, and then I go, oh, crap.
Why are the hosts discussing ads, expansion, and the Stock Market Investing podcast?
I don't know what to do with this. And so before it really started to work, and I know that sounds silly, but we were like, hey, let's take a step back and strategize about this. You can go look for that, but it's only a few episodes, and we kind of put the pause button on it. But what he is referring to is a time where, and if you follow anything that we talk about on Juul, J-O-U-L-E, financial, or if you see us on CNBC or any of the networks that we do stuff on, we will dissect and go in-depth into whether it's individual stocks or sectors and so forth.
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Chapters
4 chapters
1
What introductory topic and show updates do the hosts cover first?
0:00–3:34
2
Why are the hosts discussing ads, expansion, and the Stock Market Investing podcast?
3:34–7:03
3
What specific question does Eric from Utah ask about asset class allocation?
7:03–10:09
4
How do the hosts frame the complexity of choosing between small, mid, and large caps?
10:09–15:06