Episode 44

Market Updates, Inflation, and Money Questions with John Berkley - 10/25/2025

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October 25th, 2025

52 mins 50 secs

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retirement accounts tax-free investing gold bullion robs account concentration risk value investing liquid cash money market 401k distribution company stock nua net unrealized appreciation ordinary income tax capital gains tax tax location strategy bond portfolio closed end fund safe bonds high yield bonds treasuries laddered cds roth ira 401k age 70 age 62 social security retirement planning timberland gold mining resource stocks federal reserve goal structural inflation consumer price index cpi 3% annualized inflation total return russell 2000 nasdaq dow s&p 500 bull market stock market money questions financial planning investing

About this Episode

Review the strong three-year bull market run, with the S&P 500 up 16.6% total return year-to-date. This episode discusses 3% annualized inflation and the strategy of tweaking portfolios toward resource stocks. Key topics include utilizing Roth IRA CDs for tax efficiency, understanding the Net Unrealized Appreciation (NUA) tax rule for highly appreciated 401k stock, and proper tax placement of bonds and Treasuries. We also define money market funds.