Financial Decoder

著者: Charles Schwab
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  • Cognitive and emotional biases can have a big impact on your financial life. Each episode of Financial Decoder looks closely at one financial decision--and the biases that might cloud your judgment and cost you money. Host Mark Riepe, head of the Schwab Center for Financial Research, decodes the behavioral and psychological factors at play and shares strategies designed to improve the way you approach financial crossroads. Other experts join Mark to provide their unique perspective on behavioral economics, portfolio management, retirement planning, personal finance and more. Podcasts are for informational purposes only. This channel is not monitored by Charles Schwab. Please visit schwab.com/contactus for contact options.
    2022 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored.
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あらすじ・解説

Cognitive and emotional biases can have a big impact on your financial life. Each episode of Financial Decoder looks closely at one financial decision--and the biases that might cloud your judgment and cost you money. Host Mark Riepe, head of the Schwab Center for Financial Research, decodes the behavioral and psychological factors at play and shares strategies designed to improve the way you approach financial crossroads. Other experts join Mark to provide their unique perspective on behavioral economics, portfolio management, retirement planning, personal finance and more. Podcasts are for informational purposes only. This channel is not monitored by Charles Schwab. Please visit schwab.com/contactus for contact options.
2022 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored.
エピソード
  • A Holistic Approach: Do You Need a Wealth Advisor?
    2024/11/11
    After you listen:Watch the video version of this episode on the Charles Schwab YouTube Channel.Visit the Schwab Wealth Advisory site to learn more about Schwab's approach to wealth management.Discover helpful educational resources about personal finance at Schwab Moneywise.In this special episode, host Mark Riepe is joined in-studio by Stephanie Shadel, a senior wealth advisor at Schwab Wealth Advisory, to help define wealth management and explain what a wealth advisor generally does for their clients.After delineating when personal finance topics begin to justify needs for the broader, more holistic scope of wealth management, they discuss some of the key elements involved, including investment planning, retirement planning, risk management, education support, banking, estate planning, and tax planning. Later, Stephanie speaks to the personalization of financial strategies and the corresponding importance of understanding clients' personal histories and preferences. She and Mark also talk about the impact of cognitive and emotional biases on financial decision-making, especially when factoring in the influences of a spouse, business partner, or family member.Follow Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on his LinkedIn or on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresSchwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.Portfolio Management provided by Schwab Wealth Advisory, Inc., a Registered Investment Adviser and affiliate of Charles Schwab & Co., Inc. (Schwab). Please read the Schwab Wealth Advisory and the Schwab Wealth Advisory, Inc. Disclosure Brochures for information and disclosures about this program. The Wealth Advisor, Associate Wealth Advisor, and other representatives making investment recommendations in your Schwab Wealth Advisory accounts are employees of Schwab Wealth Advisory, Inc.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal.Market fluctuations may cause the value of investment fund shares held in a donor-advised fund (DAF) account to be worth more or less than the value of the original contribution to the funds.​Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.There are risks associated with investing in dividend paying stocks, ...
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    27 分
  • How Do You Gauge the Impact of Washington on Your Finances?
    2024/10/28

    Mark Riepe is joined by Michael Townsend, managing director of legislative and regulatory affairs at Schwab, to discuss the cognitive and emotional biases that influence political decision-making, the gap between campaign promises and legislative realities, and the complexities surrounding federal debt and entitlement programs like Social Security and Medicare.

    Their conversation emphasizes the importance of understanding the legislative process, the impact of affective forecasting on political perceptions, and the disconnect between political actions and market performance. Michael also highlights the challenges of addressing long-term issues in a short-term political environment and the need for investors to filter out noise and focus on their long-term goals.

    Follow Financial Decoder for free on Apple Podcasts or wherever you listen.

    Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder.

    If you enjoy the show, please leave us a rating or review on Apple Podcasts.

    Reach out to Mark on X @MarkRiepe with your thoughts on the show.

    Follow Financial Decoder on Spotify to comment on episodes.

    Important Disclosures

    The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.

    The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

    All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.

    Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

    Investing involves risk, including loss of principal.

    The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.

    Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.

    Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.

    All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.

    The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.

    Apple, the Apple logo, iPad, iPhone, and Apple Podcasts are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

    Spotify and the Spotify logo are registered trademarks of Spotify AB.

    (1024-1YBC)

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    36 分
  • How Do You Plan for the Succession of a Business?
    2024/10/14

    In this episode of Financial Decoder, host Mark Riepe delves into the key aspects of succession planning for business owners, including how our behavioral tendencies may influence the decisions we make around a business's future.

    He's joined by Austin Jarvis, a director of estate, trust, and high-net-worth tax at the Schwab Center for Financial Research, to discuss the unique challenges faced by business owners when keeping a business within the family versus selling to a third party. Austin highlights the need for proper documentation, the role of specialists, and the impact of cognitive and emotional biases on the different steps of the process. He references real-life examples that illustrate the complexities of business transitions, underscoring the necessity of a well-thought-out succession plan.

    Resources mentioned by Mark in the episode:

    • "Business Succession: 3 Ways to Transfer Your Business"
    • "How to Handle an Inherited Business"
    • "How to Plan, Launch, and Maintain a Business"
    • "5 Takeaways from TV's Succession"
    • Schwab Small Business Solutions
    • Schwab Trust, Estate & Charitable
    • Schwab Wealth Advisory

    Follow Financial Decoder for free on Apple Podcasts or wherever you listen.

    Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder.

    If you enjoy the show, please leave us a rating or review on Apple Podcasts.

    Reach out to Mark on X @MarkRiepe with your thoughts on the show.

    Follow Financial Decoder on Spotify to comment on episodes.

    Important Disclosures

    The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

    All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.

    Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

    Investing involves risk, including loss of principal.

    The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.

    All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.

    Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.

    The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.

    (1024-YWBA)

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    37 分

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