Are Index Funds Still Diversified? Concentration Risk and a Top-Heavy Market

Are Index Funds Still Diversified? Concentration Risk and a Top-Heavy Market

Learn how concentration risk can affect index funds and how 2026 catch-up contributions work. Senior news writer Anna Helhoski and Ryan Sterling, a wealth advisor with NerdWallet Wealth Partners, break down stock market concentration risk and what it means for index fund diversification. Then, hosts Sean Pyles and Elizabeth Ayoola answer a listener’s question about 2026 catch-up contributions, including FICA wages, Roth 401(k) rules for some high earners, and other ways to boost retirement savings. NerdWallet Wealth Partners, LLC is an affiliate of NerdWallet Inc. NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management. Learn more at nerdwalletwealthpartners.com/smart Use NerdWallet’s free investment return calculator to estimate how much your money can grow. Enter your planned contributions, timeline, rate of return and compounding frequency to get started: https://www.nerdwallet.com/investing/calculators/investment-calculator Backdoor Roth IRA: What It Is and How to Set It Up https://www.nerdwallet.com/retirement/learn/backdoor-roth-ira Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Feel Organized and Less Anxious About Money: The Sinking Fund System Explained

Feel Organized and Less Anxious About Money: The Sinking Fund System Explained

Learn how to set up a sinking fund system that puts your savings on autopilot and helps you reach your goals. What if the key to hitting your financial goals isn't just saving more, but saving smarte...

8 Juni 33min

The Affordable Home You Overlooked and the Investment Tax Trap You Need to Prepare For

The Affordable Home You Overlooked and the Investment Tax Trap You Need to Prepare For

Learn whether manufactured homes could be your path to homeownership and how to get ahead of a tax bill from your investments. Could a decades-old federal rule be standing between you and an affordab...

4 Juni 36min

Robinhood Gold Card: Is 3% Cash Back Worth the Waitlist and Membership Fee?

Robinhood Gold Card: Is 3% Cash Back Worth the Waitlist and Membership Fee?

Learn whether Robinhood Gold Card's 3% cash back and investing perks are worth the waitlist and membership cost. Is the Robinhood Gold Card the rare credit card that could put your rewards directly t...

1 Juni 28min

How to Put $200K to Work and The Truth About Generational Spending

How to Put $200K to Work and The Truth About Generational Spending

Learn what generational spending data reveals and what to do when fear is keeping $200K in savings from growing. What do the stereotypes about each generation's finances actually get wrong? Sean Pyle...

28 Maj 41min

Renting vs Buying A Home (When You're A High Earner)

Renting vs Buying A Home (When You're A High Earner)

Learn what really goes into the rent versus buy decision beyond comparing your mortgage to a rent check. In this special episode, Your Next Dollar host Andrew Giancola walks through a step-by-step to...

25 Maj 26min

Financial Resilience in a Shaky Economy and What a Perfect Credit Score Gets You

Financial Resilience in a Shaky Economy and What a Perfect Credit Score Gets You

Learn what new Fed data says about Americans' finances and whether a perfect 850 credit score is worth chasing. What does the latest Federal Reserve data actually reveal about how Americans are holdi...

21 Maj 39min

Introducing Your Next Dollar: Money Management for High Earners

Introducing Your Next Dollar: Money Management for High Earners

Meet Your Next Dollar, a new podcast from NerdWallet Wealth Partners. This is the podcast for you if you are a high earner learning how to build wealth, navigate money trade-offs, and spend on what yo...

20 Maj 2min

Budget Rehab: How to Stop Paying Only Interest and Make Real Progress on Credit Card Debt

Budget Rehab: How to Stop Paying Only Interest and Make Real Progress on Credit Card Debt

Learn how to tackle $25,000 in credit card debt and which payoff strategy could work best for your situation. How do you get out of $25,000 in credit card debt when minimum payments aren't making a d...

18 Maj 28min

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