Five Minute Finance is a podcast that explores topics that are impacting your money. Join us as we discuss what is moving the economy, markets, stocks, and personal finance. How to reach us:Email: Podcast@lvmcapital.comWebsite: https://www.lvmcapital.com/blog/categories/podcast
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35 recent
March 18, 2025Episode 3417 min
Breaking Down the Data: Economic Reports & Stock Market Volatility
Tyler and Jordan analyze the latest economic data, including rising personal income, job growth, and strong corporate earnings projections. They discuss the significance of manufacturing expansion after 26 months of contraction and put recent stock market volatility into historical context. With markets historically rebounding after corrections, they outline why long-term discipline, proper asset allocation, and emergency cash reserves remain critical for investors. Tune in for a data-driven perspective on navigating market uncertainty.
September 30, 202411 min
Market Update and Historical Drawdowns
Join Tyler and Drew as they discuss the S&P 500’s impressive year-to-date returns, driven by strong earnings growth and rising valuations. We’ll also take a look at historical drawdowns, noting that the average peak-to-trough decline is about 14% in any given year, with 25% declines occurring in 21% of years since 1928—roughly every five years. To wrap up, we offer insights on how to navigate these inevitable market fluctuations, emphasizing the importance of having a tailored stock allocation and extending your investment time horizon.
February 28, 2024Episode 3317 min
College Planning Basics
Tyler and Chuck sit down to discuss College Education planning. The discussion begins with having the end in mind by knowing the current costs of college and the expected future costs of college. We review average merit and grant based awards and the current cost for education in Michigan. Next, we review the benefits of college education and highlight the higher pay and lower unemployment rates for college graduates. Later, we review 529 plans as the best place to save for college education and the benefits of starting early. We wrap up the conversation with college prep tips on when to start taking entrance exams, AP courses, applying for scholarships, and filling out FASFA forms. Find the charts discussed on the podcast at Podcast (lvmcapital.com).
February 14, 2024Episode 3213 min
Recent Developments in the Fixed Income and Equity Markets
Tyler and Jordan are back to discuss interest rates, the fixed income market, the stock market, and recent earnings developments. Find the charts discussed on the podcast at Podcast (lvmcapital.com).
September 29, 2023Episode 317 min
Market Update - September
Tyler and Jordan discuss stock market returns to start 2023, historical returns in the fourth quarter after poor returns in August and September, investing for the longer-term, improving yields for future fixed income returns and more.
June 15, 2023Episode 3019 min
Market Chart Review
Tyler and Jordan sit down and review several market related charts. We discuss market breadth, market concentration, the cautious investor, market fundamentals, and market valuations. Follow along with the charts in the show notes at the link below. https://www.lvmcapital.com/post/market-chart-review
April 12, 2023Episode 298 min
Fundamental Factors of Investing Part 4: What is the Momentum Factor?
Tyler and Jordan review the “Momentum Factor” in our fourth and final installment of the fundamental factors of investing. Momentum investing is a strategy that seeks to profit from the continuance of an existing market trend. This trading strategy centers around investors buying stocks that are already going up and selling stocks that are falling. The largest ETF by assets under management (AUM) for momentum investing is the iShares Momentum factor ETF which analyzes stock prices, adjusted for volatility, over the past 6 and 12 months. Momentum is about price and price can tell a story about how investors sentiment stands for a certain security or the market. One potential issue with using price as your only guide is that momentum can change very quickly, and investors need to have a set of rules in place to follow including rebalancing rules to account for frequent changes in momentum trends. It is best to use these strategies that have frequent rebalancing and turnover in the correct type of accounts as turnover and realized sell activity can cause tax consequences in taxable accounts. Tyler and Jordan conclude with how LVM uses the momentum factor, which focuses on momentum in analysts’ earnings and revenue estimate trends.
January 17, 2023Episode 2810 min
SECURE Act 2.0 - New Bill Overview
Tyler and Chuck discuss the recently passed SECURE 2.0 Act by congress and some of its benefits for retirement savers. Some key take aways include, Required Minimum Distribution (RMD) age increasing to 73 in 2023 and to 75 in 2033, reduced penalties for failing to take a RMD, increased catch-up contributions to retirement accounts, employer Roth matching contributions, 529 plan conversions to Roth accounts, and more.
January 6, 2023Episode 277 min
Fundamental Factors of Investing Part 3: What is the Growth Factor?
Tyler and Jordan review the growth factor for our third installment of the fundamental factors of investing. The growth factor or style of investing focuses on companies that have an above average rate of revenue or earnings growth. Growth investing typically favors younger companies with shorter track records but potentially a new or untapped economic market. They also include investments or companies in new technologies or services. Some companies classified as growth will pay a dividend but, historically, growth companies prioritize reinvesting earnings internally versus paying shareholders in the form of a dividend as they try to grow with their expending economic market. Typically, companies classified as value will return a larger percentage of their earnings to shareholders via dividends. We review two of the largest ETF provider classifications for growth and the factors LVM uses for scoring companies based on growth including, five-year sales growth, five-year earnings per share growth, five-year dividend growth, and projected revenue growth for each of the next two-years. Tyler and Jordan end with reviewing how to combine the value and growth factors for analysis including Craig’s quote during our value factor podcast “Value and growth are two sides of the same coin. A stock is not a good value if there is not some underlying growth, and a growth stock is not a good investment if you pay too high a price.”
November 22, 2022Episode 2618 min
Estate Planning Mistakes to Avoid
Tyler and Chuck sit down to review a NAPFA (National Association of Personal Financial Advisors) conference presentation by Bob Morrison attended by Chuck at the fall conference. We pull out and dissect several estate planning mistakes that are made and how to avoid them. We start by reviewing the current estate tax exemption (the amount which your estate is not subject to taxes when you die) and its upcoming changes. The federal estate tax exemption for 2022 is $12.06 million, increasing to $12.92 million in 2023 due to its annual adjustment for inflation. These figures are per person, giving a married couple an estate tax exemption of $24.12 million in 2022. The current exemption was doubled under the Tax Cut and Jobs Act (TCJA) and is set to expire in 2026. This means in 2026 the estate tax exemption will fall to an estimated $6.8 million per person or $13.6 million per married couple. We follow the estate tax discussion with some estate planning mistakes to avoid including: leaving the wrong assets to charity at death, not considering tax implication of heirs and the type of assets you leave to them, not filing a 706 estate tax return, having accounts misaligned with your estate plan, not updating IRA or life insurance beneficiaries and contingent beneficiaries, not updating your will and trusts after a death or divorce, gifting low cost basis assets before death, not obtaining power of attorney (POA) documents for kids, and not considering the gift annual gift exclusion or direct payments for education or medical purposes.
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