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Q&A&B(onds)
Tom kicks off with a check-in on bond market returns, reminding listeners that bonds are about stability, not yield-chasing. He’s joined by advisor Roxy Butner, who helps answer listener questions about fixed-allocation vs. target-date funds, how much international exposure is enough, Ameriprise “CL” fund share classes with high fees, and whether hybrid long-term care annuity products are worth considering. Together they emphasize cost awareness, simplicity, and aligning investments with real-life needs instead of sales-driven products.
0:04 Intro and bond returns update (BND, DFIGX, SWSBX)
2:30 Why bonds belong in portfolios despite modest returns
2:47 Mailbag intro with Roxy Butner
3:13 Shelly asks about fixed-allocation vs target-date funds
5:34 Balanced vs LifeStrategy funds and international exposure
7:01 Frank asks about U.S. vs international allocation split
8:23 AVGE, DFAW, and “overthinking” the international percentage
10:39 Decades of U.S. vs international performance
11:15 Angie asks about Ameriprise “CL” fund share classes
13:32 Expense ratios and fiduciary concerns
14:54 Comparing low-cost index alternatives
15:18 Ford asks about hybrid LTC annuity products
17:30 Income planning first vs peeling off money for LTC
18:34 Real-life client experiences with LTC riders
20:33 Policy complexity, surrender decisions, and care costs
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Published on 1 week ago