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The Cost of Investing: Evaluating Fee Platforms, Controlling Tax Gains, and Addressing the Risks of Global Inflation and the Shrinking Stock Market – 10/04/2025

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The episode opens with a market recap, noting upward trends across all indexes, with growth stocks leading value year-to-date. A primary focus is on the transition to fee-based platforms, cautioning investors that such moves often result in significantly higher costs (expense ratios) compared to existing mutual fund or 401k platforms. Uncommon Sense Investing emphasizes using benchmarks like the Russell 1000 to evaluate performance, rather than comparing to varied mutual fund returns.
The segment addresses global financial risk, discussing that high US federal debt and debt monetization create a likelihood of persistent structural inflation, potentially reducing the dollar’s value. Tax efficiency is achieved by managing individual stock portfolios to control capital gains and utilize the step-up in basis, avoiding surprise taxation common with mutual funds. Finally, the show explores why the US stock market is shrinking due to burdensome federal regulations like Sarbanes-Oxley, which favors private equity over public capital formation. General advice encourages waiting until full retirement age or age 70 to maximize Social Security benefits.

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