In this episode, Ed Butowsky and Jordan McFarland discuss the CHIP Score, a tool that allows individuals to input their expenses and taxes to obtain a realistic assessment of how well their portfolio and investments are performing.

The CHIP Score helps answer questions such as:

• How is my portfolio performing in relation to my financial needs?
• Am I keeping up with increases in my cost of living?
• Is my portfolio properly diversified for my goals?
• How much risk am I taking?

To learn more about the CHIP Score and how to find your own, visit www.chapwoodinvestments.com or the "Making Sense with Ed Butowsky" YouTube page.

Investing during a bull market can make it seem like the stock market is easy, but we know investors still have questions.

A bull market occurs when the market rises around 20% from recent lows. In this episode, Ed and Jordan will cover the key topics:

• What is a bull market?
• What is a bear market?
• What should investors do during a bull market?
• Recent examples of bull markets compared to bear markets

Be sure to subscribe and check out the rest of our podcast library!

Remember: ALL content is purely educational in nature and should not be taken as a recommendation. You should consult with your legal, financial, or tax advisor as needed.

This week, Ed Butowsky and Jordan McFarland discuss the important topic of investment correlation and how it impacts your portfolio and investment returns.

In this episode, they cover:

• What is investment correlation?
• Why should the average person care, and how can they determine their own investment correlation?
• The benefits of having low correlation in a portfolio
• How different sectors correlate with each other

In this episode, Ed Butowsky and Jordan McFarland discuss two of the most ambiguous terms in the financial world: risk and diversification.

They emphasize that vague planning leads to unclear outcomes, undermining the purpose of proper financial planning.

Key topics covered include:

• Risk Tolerance
• Proper Diversification
• Correlation in Your Portfolio
• Specific Examples

Be sure to turn your question in today to have it featured on a future podcast show. To learn more about Chapwood, visit www.chapwoodinvestments.com.

In this episode of the Making Sense Podcast, Ed Butowsky and Jordan McFarland discuss the issue of over concentration in the investment world.

From professional athletes to high-earning entrepreneurs, many investors have portfolios that are too heavily concentrated, leading to excessive risk.

Ed and Jordan discuss the following topics:

• Overconcentration versus diversification
• Professional athletes and overconcentration
• Everyday investors and overconcentration
• Real Estate
• Private Equity
• Venture Capital

Join us for our 20th episode as we explore this important topic!

Real estate investment is a well-known avenue that has remained a cornerstone of American investment culture. With its tangible assets, potential for appreciation, and opportunity for cash flows, real estate can be a lucrative investment, particularly for individuals with substantial assets.

However, in today's discussion, we're delving into REITs, a distinct type of real estate investment traded on major exchanges such as the NYSE. Joined by David Auerbach, CIO of Hoya Capital and a nearly three-decade real estate expert, we'll explore various aspects of the real estate landscape:

• How do REITs operate?
• Contrasts with private real estate investments
• Different categories of REITs
• The relationship between interest rates and REITs
• Current opportunities within the REIT market

Remember to share and subscribe to the Making Sense podcast to stay informed about critical topics in investing, finance, and beyond.

This podcast contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this podcast will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. (FirmName) does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance. Past performance is no guarantee of future results.

A REIT is a security that sells like a stock on the major exchanges and invests in real estate directly, either through properties or mortgages. REITs receive special tax considerations and typically offer investors high yields, as well as a highly liquid method of investing in real estate. There are risks associated with these types of investments and include but are not limited to the following: Typically no secondary market exists for the security listed above. Potential difficulty discerning between routine interest payments and principal repayment. The redemption price of a REIT may be worth more or less than the original price paid. Value of the shares in the trust will fluctuate with the portfolio of underlying real estate. Involves risks such as refinancing in the real estate industry, interest rates, availability of mortgage funds, operating expenses, cost of insurance, lease terminations, potential economic and regulatory changes. This is neither an offer to sell nor a solicitation or an offer to buy the securities described herein. The offering is made only by the Prospectus.

What was once a routine milestone for many just a few decades ago has now become a significant challenge in today's world.

The landscape of homeownership in America has dramatically changed due to various factors: institutions buying up housing, rising interest rates, escalating home prices, and ongoing supply and demand issues have all made buying a home more difficult than ever.

In today’s episode, Jordan McFarland and Ed Butowsky discuss these issues and more.

Here are a few key topics they will discuss:

• Is homeownership still a core element of the American dream?
• Practical advice on assessing whether you can afford a home.
• The impact of large corporations on housing supply and demand.
• The growing tensions between older and younger generations regarding homeownership.
• Predictions for the future of the housing market.

As always, we welcome your questions at info@chapwoodinvestments.com. Don’t forget to subscribe and share our podcast—it really helps us out!

www.chapwoodinvestments.com

In this episode of the "Making Sense" Podcast, Ed Butowsky and Vijay Srinivasan explore the realm of fixed-income investments through high-yield bonds. This area of investing is often misunderstood, with many investors viewing bonds as the safest option or being too cautious to invest in them.

Vijay's firm, Scarsdale Capital, has proven different.

In this episode:

• Vijay’s background at Marathon, what he learned, and why he decided to start Scarsdale
• Some questions investors typically like to ask:
  • What’s the most important difference between investing in junk bonds and government/safer bonds?
  • Why are yields back to 8% to begin the year?
  • What happens when they lower interest rates soon?
• Discuss what Vijay looks for in a company
  • Are there certain industries he likes/doesn't like?
  • What is the typical composition of your high-yield fixed-income portfolio in terms of sectors, credit quality, and maturity?
  • How does he compare high-yield bonds with other fixed-income investments out there?
  • How do you assess and manage credit risk in the high-yield bond market?

Established in 2018, Scarsdale Capital is a California-based hedge fund manager. The firm is led by Vijay Srinivasan, former global head of research and portfolio manager at Marathon Asset Management. It invests through its flagship fund, Scarsdale Capital Opportunity Fund, which focuses on high-yield and opportunistic credit situations.
This podcast contains general information that may not be suitable for everyone.

The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this podcast will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. (FirmName) does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance. Past performance is no guarantee of future results.

The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted.