Financial Sentiments

Afleveringen

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  The Strange Truth About Stock Returns 06.08.2026 9min

  In this episode of Financial Sentiments, Nick Haberling, CFP®, explores a surprising truth about stock market returns: stocks have been one of history’s greatest wealth-building tools, even though most individual stocks have produced disappointing results. Over the past century, a remarkably small percentage of companies have generated nearly all of the stock market’s net wealth creation. This episode explains why most stocks underperform Treasury bills, how even successful companies can beco...
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  Investing for Children: It's Not About the Account 23.07.2026 9min

  In this episode of Financial Sentiments, Nick Haberling explains why investing for a child’s future is not simply a matter of choosing the account with the biggest tax advantage. The right choice depends on what the money is intended to accomplish—and how much flexibility the family wants to preserve. Nick compares several common options, including 529 plans, custodial UGMA and UTMA accounts, Roth IRAs, and the newly created Trump Accounts. He walks through how each account handles taxes, fin...
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  Same Gift, Smarter Plan: How to Leave More to Family and Charities 09.07.2026 11min

  In this episode of Financial Sentiments, Nick Haberling walks through a simple but powerful estate planning idea: when leaving money to both family and charity, which assets go to whom can matter just as much as how much they receive. Using a real-world-style example, Nick explains why pre-tax retirement accounts like IRAs can be costly for heirs but highly efficient for charities, while appreciated assets such as a home or brokerage account may be better suited for family because of the step...
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  Is the S&P 500 Really Diversified? 24.06.2026 7min

  In this episode of Financial Sentiments, Nick Haberling, CFP®, discusses the hidden concentration inside the S&P 500 and why investors may not be as diversified as they think. The S&P 500 is often described as a broad basket of 500 of America’s largest companies, but the index is weighted by market capitalization. That means the largest companies can have an outsized impact on performance. This episode explains what that means, why the Magnificent 7 have mattered so much in recent yea...