037 - How To Avoid Analysis Paralysis When It Comes To Investing

The right screener will narrow down your pool of potential stock investments from 19,500 to a couple hundred in a matter of minutes. 

Then if you do a little bit of research you'll have a handful of stock to buy right now. It's that simple and frees you up from needing to listen to anyone else's input on which stocks to buy. 

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

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Risk holds many people back from investing because it causes a lot of fear, but most risk can be mitigated by doing a few specific things. 

Having a strategy in place to pick the right stocks, setting asset allocation rules and ensuring proper diversification are a big part of risk mitigation. But another important component is keeping your emotions in check. 

And one of the easiest ways to remove emotional reactivity is to have an emergency fund set up. That one thing alone negates the need to pull money out of the market at the wrong time and all the stress that comes with taking losses.

We talk about many stocks in this episode, but not all of them are good buys right now. The ones we mentioned that are

• EXAI
• DOGG
• Any Utilities we discussed in Episode 33

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 If you're looking for a more detailed summary of this episode, click here.   

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Many people suffer from analysis paralysis because there's so much information on investing out there. You may listen to 10 experts, but they all say completely different things about the same stock.  

In this episode we lay out how to get around the anxiety, overwhelm and fear of making the right investment choices, because being stuck in that place just sabotages your future. 

The key lies in having the right foundation. When you're able to determine your own goals, metrics and plan, you no longer lack the confidence to make investing decisions. 

Tickers mentioned in this episode:

• VZ
• T
• MMM
• ECC
• HTGC

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Still feeling overwhelmed or uncertain which investments are good? Sign up for our emails where Tim narrows your options down to just 10 great stocks each week.

If you're looking for a more detailed summary of this episode, click here.    

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

It's Q4 earnings season and the overall market is beating projections by 6%, which is making market analysts change their tune for 2024. The fear of a recession is gone. Looks like Tim might have been right about a bullish 2024. 

Earnings season is a time to check in on the health of your portfolio assets. Sometimes people miss the big picture of a company's report and panic sell. But that's exactly when we're there to buy the dip like with ARLP.

Join us for a performance overview of many of our favorite stocks and how you can take up some great positions for what's to come.

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Companies that beat their earnings

• HTGC
• NEE and NEP
• BKH
• OGN
• MO
• BTI
• Most utilities stocks we mentioned in Episode 33

Companies that had a bad earnings (might be bad)

• ABR (we think manipulation)
• UAN coming up
• MPW coming up

Potential Growth Stock Opportunities 

• SOFI
• PLTR
• EXAI

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

If you struggle with knowing who you are so you can align with an investing strategy, it might be easier to start with listing out the things you love. 

This is also a better way to view the money you spend. Put more time, energy and money into the things you love and let the things you don't care about fall to the way side. 

This episode is packed full of the things we love, especially Tim's love of investing. He drops nuggets on things to be aware of 

• Publications he gets corroborate the picks he's been toting
• Commercial REITs are on the decline
• Interest rates will be lowered sometime this year
• Walmart is doing a 3 to 1 stock split
• Open a Roth IRA before they change the rules
• Housing market & Crypto to pop off this year

and stocks that are undervalued

• NEE and sister NEP
• MMM
• VZ
• T
• OGN
• PFE
• BMY
• IIPR
• NUE
• IBM 
• ABR
• Even MPW and IEP are turning around

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Stoicism is an ancient philosophy that can not only change your day-to-day life, but it can have a massive impact on how you invest.

Two main Stoic principles that can provide the greatest benefit when investing  are learning to let go of the things you can't control, like the stock market, and instead focusing on managing your emotional responses.

If you're interested in learning more about Stoicism, Carmela recommend listening to Tim Ferriss's Podcast episode with Ryan Holiday here.

Want some laughs? Watch this clip from Last Week Tonight where they have a Jim Cramer reel of failures. 

We talked about several undervalued stocks that meet our requirements 

• ARLP
• ABR
• PDI
• NEP & NEE sister companies
• BKH

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Don't make the mistake of passing up on Utility stocks. They may look like they have smaller dividend yields, but they increase their dividends year after year. 

That means the longer you hold them the higher your actual yield becomes. They aren't sexy, but sometimes boring is beautiful. And they make a great portfolio hedge during recessions.

What Tim looks for when he's combing Utility stocks

•  yield
• P/E vs industry
• profit margin 
• 5 year dividend growth
• revenue growth
• payout ratio 

The tickers we discussed in this episode

• NEE (electric) and NEP (renewable energy) 
• BIP (electrical and natural gas) and BEP *** BIP is currently overvalued and BEP has a negative P/E. These are better Watchlist candidates then buys right now. 
• UGI - natural gas
• VZ - telecom but considered a utility stock
• PBR oil and gas
• BKH electric

A few other mentions

• DUK
• NFG 

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Most people don't operate with their personal investment style in mind. When you invest in a way that's out of alignment with yourself, you have a higher chance of making costly mistakes. And failures trash your confidence and hope for retirement. 

Many brokerages have resources to help you clarify your investing style. Here are links to 3 companies that provide a questionnaire to get you started. We walked through Schwab's in this episode. 

• Charles Schwab
• Fidelity
• Vanguard 

If you want to do a deeper personal assessment, it might be more helpful to ask yourself the following questions. 

What are your investment goals?

• Preserve the money you invest at the start
• To grow your money over time
• Do you want your investments to provide regular income

What is your time horizon?

• Do you need your money soon to buy a house, pay for college, etc
• Do you need your money to maintain your standard of living in retirement years much further down the road
• Or are you somewhere in the middle

Immerse yourself in the different investor profiles (most have 3 categories)

Conservatives

• Prioritize security more than growth
• Have little to no risk tolerance
• Focus on shorter term investments ranging from 0-5 years
• Portfolio consists of 80-100% in fixed income investments

Moderates

• Fall between conservative and aggressive
• Are willing to give up some liquidity & security to make higher returns
• Are comfortable with medium range investments from 5-10 years
• Portfolio consists of 60-65% in fixed income with the rest in dividend or growth stocks

Aggressives

• Prioritize profitability above all else
• Have the greatest tolerance for risk/losses because they know higher profits come in long run
• Focus on long term investments 
• Are savvy investors who have more money so they can give up immediate liquidity
• Are all about returns

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

There are many high yielding BDCs but they don't all pay supplemental dividends like the ones Tim's laid out in this episode.  When you add those in, some pay out way more than they appear on the surface.

 If's you're not familiar with BDCs, go back and listen to this episode first.

BDC's average P/E Ratio is between 15.8-17.3 (depending on where you look) so you can compare others to see if they're under or overvalued. 

Aside from dividend yield and P/E Ratio, the main things that Tim looks at when he's analyzing BDCs are:

• Payout Ratio
• Supplemental Dividends
• Dividend Growth Over Time
• Limited to No Dividend Cuts

Tim's Top BDCs discussed in this episode are:

• MAIN
• HTGC
• CSWC
• ARCC
• TRIN
• HRZN

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

REITs have been beat down because of the high interest rates. But since the FED announced their intention to lower them in 2024, REITs are going to turn around soon enough.

If's you're not familiar with REITs, go back and listen to this episode first.

Once Tim has a list of stocks that measure up to his metric requirements, he combs the list using several other criteria to get him to the best of the best REITs.  

•  P/E vs peers to compare value 
• Free cash flow
• Profit Margin
• Year-over-year sales growth
• Number of years of dividend increases

This episode goes over Tim's top 3 REITs

• IIPR
• ABR
• EPR

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.