The FinVestors Podcast: Recent Episodes
Rashmina Lalani
Financial Education and Investment Literacy are the pillars for creating a solid financial foundation for all economic cycles. Quick Fixes to money problems are only the band-aid; money and investment education is the permanent solution to building generational wealth. Learn every Thursday all things Finance and change your quick-rich mindset to Generationally Wealthy.
This episode explores the question of how much is too much to pay for a stock, the key valuation techniques of price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio.
Learn how these metrics can help investors determine if a stock is undervalued or overvalued. and importance of considering industry dynamics and comparing ratios within the same sector. This episode provides practical insights and resources to help listeners make more informed investment decisions.
Resources:
Macrotrends
Podcaster Details:
mrsfinvest@gmail.com
Website
Instagram
Facebook
Linkedin
Youtube
Disclaimer:
The content provided in this podcast is for general informational purposes only and should not be considered financial or investment advice. Consult a qualified financial advisor for personalized guidance tailored to your specific financial situation. Listeners are responsible for their own financial decisions and should conduct thorough research before making any investment choices. The podcast host and creators disclaim any liability for the accuracy, completeness, or timeliness of the information shared.
Discover the five key things you need to know about this retirement account option, including its tax advantages, exemption from required minimum distributions, employer matching contributions, conversion and rollover possibilities, and the crucial Five Year Rule.
Tune in to make informed decisions and maximize your retirement savings.
Podcaster Details:
mrsfinvest@gmail.com
Website
Instagram
Facebook
Linkedin
Youtube
Disclaimer:
The content provided in this podcast is for general informational purposes only and should not be considered financial or investment advice. Consult a qualified financial advisor for personalized guidance tailored to your specific financial situation. Listeners are responsible for their own financial decisions and should conduct thorough research before making any investment choices. The podcast host and creators disclaim any liability for the accuracy, completeness, or timeliness of the information shared.
Join me as I demystify the process of selecting the right investments for your retirement plan. We'll explore the importance of starting early, understanding risk tolerance, and leveraging investment options such as mutual funds and target-date funds. Discover how to make informed decisions that can shape your financial future. So grab a cup of coffee, relax, and let's embark on this empowering journey of investing in your 401(k) for a brighter tomorrow.
Resources: Mutual Funds and ETFs
Retirement Planning-WHY & HOW
Podcaster Details:
Email Id: mrsfinvest@gmail.com Website
Instagram
Facebook
Linkedin
Youtube
Disclaimer:
The content provided in this podcast is for general informational purposes only and should not be considered financial or investment advice. Consult a qualified financial advisor for personalized guidance tailored to your specific financial situation. Listeners are responsible for their own financial decisions and should conduct thorough research before making any investment choices. The podcast host and creators disclaim any liability for the accuracy, completeness, or timeliness of the information shared.
Investing in your future is important, but where to start? The latest episode of FinVestors Podcast has got you covered. Join me as I breaks down 401(k) plans and how to start investing in them at your first job. Learn about contributions, employer matching, and investment options. Secure your retirement by investing in your present!
Resources:
https://time.com/personal-finance/article/average-return-rate-on-401k/ https://www.fool.com/retirement/plans/401k/returns/ https://www.bankrate.com/retirement/401-k-calculator/
Podcaster Details:
Website: https://mrsfinvest.com/ I
nstagram: https://instagram.com/mrsfinvest?igshid=Zjc2ZTc4Nzk=
Facebook: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Linkedin: https://www.linkedin.com/in/rashmina-lalani-cfa-cdfa%C2%AE-mba-a6341814/ Youtube: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Email Id: mrsfinvest@gmail.com
FSA are tax-advantaged medical savings accounts that can help families save money on taxes on ever-increasing medical expenses. Learn the benefits and limitations of FSA in this short quick episode.
Health Savings Account (HSA) was established in 2003 to aid individuals, and families save tax money on eligible medical expenses amid the rising cost of healthcare. However, there are conditions for HDHP to be able to contribute to HSA and take the full benefit of tax savings. Learn in these episodes tax benefits, contribution limits, eligible expenses, prerequisites, and strategies to fully utilize the benefits offered by HSAs.
Resources:
HSA Investing: https://www.nerdwallet.com/article/investing/how-to-invest-hsa
Eligible Expenses: https://www.irs.gov/pub/irs-pdf/p502.pdf
Podcaster Details:
Website: https://mrsfinvest.com/ I
nstagram: https://instagram.com/mrsfinvest?igshid=Zjc2ZTc4Nzk=
Facebook: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Linkedin: https://www.linkedin.com/in/rashmina-lalani-cfa-cdfa%C2%AE-mba-a6341814/ Youtube: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Email Id: mrsfinvest@gmail.com
The banking sector has come under a lot of spotlight after the failure of Silvergate, Silicon Valley, and Signature Bank. Learn more in this episode more on what really happened and how savers can save themselves from a similar situation.
Why not learn how to save taxes on health expenses you will be paying regardless? You can learn more about HSA and FSA in this short episode.
Learn how to become Property Owners and also earn passive income without actually buying , owning, managing and maintaining the properties. Dive into basics of Real Estate Investment Trust in this short and quick episode.
Resources:
https://www.nerdwallet.com/article/investing/reit-investing
https://www.reit.com/
https://www.investopedia.com/articles/markets/102715/6-reits-pay-dividends-monthly.asp
https://www.investopedia.com/reits-jan-2023-7099157
https://business.simon.com/search
Previous Episode on Diversification:
https://www.spreaker.com/user/16658903/episode-16
https://api.spreaker.com/v2/episodes/51179977/download.mp3
Podcaster Details:
Website: https://mrsfinvest.com/ I
nstagram: https://instagram.com/mrsfinvest?igshid=Zjc2ZTc4Nzk=
Facebook: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Linkedin: https://www.linkedin.com/in/rashmina-lalani-cfa-cdfa%C2%AE-mba-a6341814/ Youtube: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Email Id: mrsfinvest@gmail.com
Series EE and I Bonds are low-risk, tax-efficient savings bonds US Treasury offers. With economic uncertainty and ses-saw returns in the stock market, these bonds provide an efficient investment tool for portfolio diversification to earn guaranteed returns.
Learn everything about these bonds in this episode.
Resources:
https://www.treasurydirect.gov/RS/UN-AccountCreate.do
https://www.treasurydirect.gov/savings-bonds/
https://www.treasurydirect.gov/savings-bonds/manage-bonds/
https://www.treasurydirect.gov/files/savings-bonds/how-to-buy-gifts-in-td.pdf
Episode 18: Fixed Income Investing 101
https://www.spreaker.com/user/16658903/episode-18
Ep 9 Series I-Bonds:
https://www.spreaker.com/episode/51711330
Podcaster Details:
Website: https://mrsfinvest.com/ I
nstagram: https://instagram.com/mrsfinvest?igshid=Zjc2ZTc4Nzk=
Facebook: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Linkedin: https://www.linkedin.com/in/rashmina-lalani-cfa-cdfa%C2%AE-mba-a6341814/ Youtube: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Email Id: mrsfinvest@gmail.com
Bonds are the oldest form of investment, traded way before stocks were born. Today stocks are publicly traded, but bonds are not. Most bonds can be bought in the secondary market through financial institutions.
Historically Bonds have moved in the opposite direction to Stocks, thus providing the benefits of reducing overall portfolio risk. Learn more about the basics of bonds and the types of bonds you can invest in yourself.
Resources:
Ep 16 Diversification:
https://www.spreaker.com/episode/52547300
Ep 11 High Yeild Savings Account:
https://www.spreaker.com/episode/51858147
Ep 9 Series I-Bonds:
https://www.spreaker.com/episode/51711330
Website: https://mrsfinvest.com/ I
nstagram: https://instagram.com/mrsfinvest?igshid=Zjc2ZTc4Nzk=
Facebook: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Linkedin: https://www.linkedin.com/in/rashmina-lalani-cfa-cdfa%C2%AE-mba-a6341814/ Youtube: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Email Id: mrsfinvest@gmail.com
Cognitive Biases can significantly impact our investment decisions and choices. But understanding the bias itself and learning how to mitigate its harmful effects on your investment goal is a skill that can be learned. You can tune into the EPISODE to learn more.
Resource:
CFA Refereshal Reading: The Behavioral Biases of Individuals
https://www.cfainstitute.org/-/media/documents/protected/refresher-reading/2023/RR-2023-L1V6R2-behavioral-biases-individuals.pdf
Website: https://mrsfinvest.com/
Instagram: https://instagram.com/mrsfinvest?igshid=Zjc2ZTc4Nzk=
Facebook: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Linkedin: https://www.linkedin.com/in/rashmina-lalani-cfa-cdfa%C2%AE-mba-a6341814/
Youtube: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Email Id: mrsfinvest@gmail.com
Many broad market mutual funds and indexes are considered to provide the diversification benefits a portfolio needs for risk mitigation. Learn if that's true in this episode covering the basics of Diversification, its limitations, and the types of risks present in the market.
Resources:
Website: https://mrsfinvest.com/
Instagram: https://instagram.com/mrsfinvest?igshid=Zjc2ZTc4Nzk=
Facebook: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Linkedin: https://www.linkedin.com/in/rashmina-lalani-cfa-cdfa%C2%AE-mba-a6341814/
Youtube: https://www.facebook.com/mrsfinvest?mibextid=LQQJ4d
Email Id: mrsfinvest@gmail.com
The market downturn presents a one-time opportunity for investors to pay fewer taxes today and let their portfolios grow tax-free. Learn how and why to convert a Traditional IRA into ROTH IRA in this episode.
Resources:
IRS IRA Rollover Chart:
https://www.irs.gov/pub/irs-tege/rollover_chart.pdf
MrsFinVest: linktr.ee/mrsfinvest
email: mrsfinvest@gmail.com
Lets us welcome the new year with a clarification of why Investing is a must to create Generational Wealth.
If your new year resolution is to build a portfolio of assets to Retire comfortably in your 65, this episode outlines the steps required to achieve just that.
Resources:
Emergency Funds Episode:
https://www.spreaker.com/user/16658903/ep-11-emergency-funds-and-three-pointers
Retirement Planning Episode:
https://www.spreaker.com/user/16658903/episode-06-retirement-planning-why-and-h
Mutual Funds and ETFs:
https://www.spreaker.com/user/16658903/a-closer-look-at-mutual-funds-mfs-ans-ex
List of Funds:
SPDR® S&P 500 ETF Trust - SPY,
Vanguard Total Stock Market Index Fund ETF Shares - VTI
Global X Lithium & Battery Tech ETF - LIT
Fidelity 500 Index Fund - FXAIX
This episode covers the Basic Investment Analysis process and provides a step-by-step guide to help new and medium-level investors analyze the potential investment.
Resources:
Netflix Investor Page:
https://ir.netflix.net/ir-overview/profile/default.aspx
Letter to Shareholder:
https://s22.q4cdn.com/959853165/files/doc_financials/2022/q3/FINAL-Q3-22-Shareholder-Letter.pdf
Yahoo Finance:
https://finance.yahoo.com/
Email: mrsfinvest@gmail.com
Emergency funds are not an option anymore but a necessity. Learn why building emergency funds is non-negotiable and how your fund can keep up with the pace of Inflation.
Resources:
Email ID: support@mrsfinvest.com
Instagram: https://instagram.com/mrsfinvest?igshid=YmMyMTA2M2Y=
Facebook: https://www.facebook.com/mrsfinvest
Best High Yield Savings Accounts for November:
Nerdwallet:
https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts?trk=nw_gn_5.0
Investopedia:
https://www.investopedia.com/best-high-yield-savings-accounts-4770633
FDIC:
https://www.fdic.gov/resources/deposit-insurance/
This episode covers the Basic Investment Analysis process and provides a step-by-step guide to help new and medium-level investors analyze the potential investment.
Resources:
Netflix Investor Page:
https://ir.netflix.net/ir-overview/profile/default.aspx
Letter to Shareholder:
https://s22.q4cdn.com/959853165/files/doc_financials/2022/q3/FINAL-Q3-22-Shareholder-Letter.pdf
Yahoo Finance:
https://finance.yahoo.com/
Five Steps to create wealth in Inflation:
https://podcasts.apple.com/us/podcast/episode-07-fintips-friday-five-steps-to-create-wealth/id1642937499?i=1000582636825
Email: mrsfinvest@gmail.com
I-Bonds gained fame this year because of their inflation protection and semi-annual compounding. Learn everything about I-bonds in this mini-episode.
Resources:
TreasuryDirect Account Opening:
https://www.treasurydirect.gov/RS/UN-ACCOUNTCREATE.DO
Conversion from Paper Bonds to Electronic:
https://www.treasurydirect.gov/savings-bonds/manage-bonds/convert-paper-to-electronic/
Entity Account Rules: User Guide 292
https://www.treasurydirect.gov/indiv/help/treasurydirect-help/user-guide/291-300/#id-user-guide-292-260496
Email Id: mrsfinvest@gmail.com
This episode covers the basics of the Traditional IRA and Roth IRA.
Email id: mrsfinvest@gmail.com
This mini-episode is about changing the mindset and taking measurable and doable actions to fight inflation and create wealth in the process.
Those five steps are 1) Save before you spend, 2) Invest your savings, 3) Differentiate essential and non-essential expenses, 4) Create a structure for credit card payments 5) Acquire new skills.
Let's look into why social security is not enough to live a comfortable retirement and what are factors and variables to consider when building a good retirement plan.
Longevity, Income Sources, and Cost of living can be assumed as pillars on which one has to build a Retirement Foundation.
Resources:
Living to 100 Life Expectancy: https://www.livingto100.com/calculator
Nerd Wallet 401k Calculator: https://www.nerdwallet.com/investing/401k-calculator
Social Security Benefits Calculator: https://www.ssa.gov/OACT/quickcalc/
Are ETFs superior to Mutual Funds? How can I compare funds and ETFs if I don’t have a sophisticated tool? To know, tune into today's episode.
Mutual Fund Industry has kept growing since it was first introduced in the 18th century. It solves the diversification problem and provides a platform for new investors to enter the market with little to no research. Exchange Traded Funds ETFs were created to bring tax efficiency to MFs. Many active fund managers are converting their Funds into ETFs because of higher demand by investors. Learn more in this podcast and drop a message if you have questions at mrsfinvest@gmail.com
Resources:
Series-I bonds: https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm
Finra Fund Analyzer: https://tools.finra.org/fund_analyzer/
List of Funds:
SPDR® S&P 500 ETF Trust - SPY,
Vanguard Total Stock Market Index Fund ETF Shares - VTI
Global X Lithium & Battery Tech ETF - LIT
Fidelity 500 Index Fund - FXAIX
https://www.finra.org/investors/learn-to-invest/types-investments/investment-funds/mutual-funds
Let's grill down empirical evidence of how dividend investing can be a vital source of passive income and protect portfolios against declining stock market returns. This episode also covers the importance of dividend payout and yield ratios and how we can find consistent and increasing dividend-paying companies.
Fed increased the benchmark rates yesterday by 0.75%, so we dig into how we can use the tightening and weakening of the economy as an opportunity.
An investment strategy and plan is a roadmap that guides an investor through the path of successful investing and achieving the desired returns. This episode gives a snapshot of different investment strategies investors can adopt based on their unique needs. These strategies not only serve as a basline map but also as a tool to compare the results and adjust the plan according to investment objectives.
A short review is added on Aug'22 Inflation number and the actions needed to survive these challenging economic cycles.
Learn different types of Investments and how risk, return, and taxes differ from stocks to bonds. Also, get familiar with three factors to consider when building investment portfolios-time horizon, liquidity requirement and Risk tolerance versus willingness
It might be tempting to find "Get Rich Quick' tips, but in the longer term, people who financially educate themselves and their families about are the ones who create generational wealth.
This first episode introduces you to the podcast series and why investment and financial education are crucial to creating wealth for yourself successfully.