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A key focus is Artificial Intelligence (AI), which Sheena uses daily as a “thinking partner” for tasks like creating packing lists, drafting job descriptions, and managing compliance logs. The hosts discuss AI’s potential for “enormous productivity gains” that could justify current market valuations and its efficiency in information filtering. While Uncommon Cents Investing doesn’t use AI for investment management, it’s acknowledged that other firms do, and listeners are encouraged to try it daily.
The discussion then shifts to bonds, described as “very, very misunderstood”. John Berkeley categorizes bonds as fixed assets where you are a lender, contrasting them with stocks (equity/owner). They explain bonds’ underperformance over the last 20 years due to real interest rates being below inflation and how government deficits can negatively impact them. The importance of placing bonds in retirement accounts (IRAs) for tax efficiency is highlighted. The varying risks of bonds, from low-risk US Treasuries to high-yield or “junk” bonds, and their role in providing stability and income in a portfolio are also covered. Bonds, like stocks, fluctuate in value and carry risks, including the potential to decline.