IFB183: Investing in the 40s, Bond Allocation, Early Roth Withdrawals

Welcome to the Investing for Beginners Podcast. In today’s show we discuss a few diferent topics: * How to invest in 40s, with an aggressive mindset* Asset allocation and Bonds* How Roth IRAs work and options for early withdrawals* Having dry powder for special circumstances For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com SUBSCRIBE TO THE SHOW Apple | Spotify | Google | Stitcher | Tunein Transcript Announcer (00:02): I love this podcast because it crushes your dreams and getting rich quick. They actually got me into reading stats for anything you’re tuned in to the Investing for Beginners podcast led by Andrew Sather and Dave Ahern. Step-By-Step premium investing guide for beginners. Your path to financial freedom starts now. Dave (00:32): All right, folks, we’ll welcome you to the Investing for Beginners podcast. This is episode 183 tonight. Andrew and I are going to read some great lists for questions we got from our guests. And we’re going to go ahead and do our little give and take. So I’m going to turn it over to my friend, Andrew. And he’s going to go ahead and read the first question. Andrew (00:50): Thanks, Dave. Let’s get into them. We’ve got some good ones. So this one says, I was hoping you might address this on the podcast. I keep reading about how asset allocation is an investor’s most important decision, but nobody agrees to do it more specifically. My question is about bonds. I’ve read suggested allocations everywhere from 0% to 80%. How much should I dedicate to bonds? If it helps, I’m for the two and have about 250,000 investments. Dave (01:20): Thanks, Matt. Well, that’s a great question, Matt. And yes. So you are correct. Nobody does agree with it on how to do it. There are as many opinions about this. As blog posts and people give opinions about this, there is a lot of detail and a lot of data out there on the range of things. Here are some of the thoughts, which is the way I look at it. You have to boil it down to your risk tolerance is really what it comes down to; bonds, by and large,