Financial Decoder show

Financial Decoder

Summary: 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.

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Podcasts:

 Should You Be More Active With Your Portfolio? | File Type: audio/mpeg | Duration: 00:26:29

There are a lot of ways your emotions and biases can get in the way of buying or selling a stock. What are some strategies to try to overcome these traps?

 Do You Really Need an Estate Plan? | File Type: audio/mpeg | Duration: 00:17:26

You don’t have to be super wealthy to have an estate plan. In fact, most people could benefit from one. So why do we tend to procrastinate?

 When Should You Retire? | File Type: audio/mpeg | Duration: 00:29:33

There’s no one retirement age that’s right for everyone, but what are the factors that can help you make your own decision?

 How Can You Catch Up on Retirement Savings? | File Type: audio/mpeg | Duration: 00:23:46

If you’re behind on saving for retirement, it can seem almost impossible to get on the right track. Can our built in biases actually help make the catch-up process easier?

 Should You Rethink the Risk in Your Portfolio? | File Type: audio/mpeg | Duration: 00:21:20

We all want to earn significant returns on our investments, but a major factor is whether we’re willing to accept the associated risks. Are there biases in the way of our decisions about risk?

 Should You Diversify Differently? | File Type: audio/mpeg | Duration: 00:38:09

The more stocks you own, the more diversified you are, right? Not necessarily. There could be other factors—including your own built-in biases—holding you back from creating a truly diversified portfolio.

 What Should You Do with Your 401(k)? | File Type: audio/mpeg | Duration: 00:29:08

Most people with a 401(k) realize it’s critical to achieving their retirement goals, but what is the best way to take care of it and help it grow?

 How Much Risk Should You Take with Bonds? | File Type: audio/mpeg | Duration: 00:30:30

As investors get closer to retirement, they often start to think more about bonds—and about reducing risk.

 How Do You Evaluate an ETF? | File Type: audio/mpeg | Duration: 00:20:01

If you’ve ever looked at investing in exchange-traded funds (or ETFs), how did you decide which were right for you? There might be some blind spots in your decision-making process.

 How Can You Reach Your Financial Goals? | File Type: audio/mpeg | Duration: 00:30:20

We all have goals. Juggling multiple goals in a world of finite time and money can be tough. Whatever your goal in life is, can you name the steps you need to take in order to actually achieve it? There’s clear evidence that the best way to achieve your financial goals is by starting with a plan.

 How Can You Save More? | File Type: audio/mpeg | Duration: 00:21:23

People are hardwired to value earning money more than saving it. In this episode, Mark Riepe and Carrie Schwab-Pomerantz discuss both saving and spending strategies.

 Does Your Portfolio Need Adjusting? | File Type: audio/mpeg | Duration: 00:13:05

Calculating the performance of your portfolio can be tricky. If you don’t get it right, you might not be able to answer the pivotal question of whether or not you need adjust your mix of investments. How do your built-in biases affect the way you think about your investments’ performance? In this episode, Mark Riepe looks at some ways to mitigate common errors and avoid miscalculating past performance.

 When Should You Take Social Security? | File Type: audio/mpeg | Duration: 00:23:04

Social Security is a complex topic. And if you’re nearing retirement, when to claim your benefits is a critical decision.

 What Should You Sell? | File Type: audio/mpeg | Duration: 00:19:42

In this episode of Financial Decoder, host Mark Riepe, head of the Schwab Center for Financial Research, examines the psychological forces that impact a common investing decision: What should you sell?

 Introducing Financial Decoder | File Type: audio/mpeg | Duration: 00:02:19

In this new podcast, host Mark Riepe, head of the Schwab Center for Financial Research, unpacks important financial decisions and the biases that may prevent you from choosing wisely. Subscribe for free today to get the first episode when it launches November 5.

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