Full Show: Breaking Down ETFs/Index Funds/Mutual Funds and Retirement vs. Brokerage Accounts | Clark Howard Video

Confused about ETFs, index funds, and mutual funds? Fiduciary financial advisor Wes Moss breaks down these "cousins" of investing – including when to use them. Also, retirement accounts vs. brokerage accounts – what’s the difference and what’s the best option for you? Wes explains everything you need to know!

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 13, 2025, Ask an Advisor episode of the Clark Howard podcast.

Submit your questions: link

Learn more about Wes: link

00:00 - Intro
00:49 - Breaking Down ETFs/Index Funds/Mutual Funds
11:53 - Ask an Advisor - Should I prepay for my August Canadian fishing trip now to lock in exchange rates or wait and risk paying more if the U.S. dollar keeps dropping? (Tony in Illinois)
17:18 - Ask an Advisor - Should I book a Mediterranean cruise with my future in-laws now or wait for prices to drop? (Amanda in North Dakota)
19:58 - Ask an Advisor - Is it worth paying more for Main Cabin over Basic Economy on Delta just for flexibility and Sky Club access? (Mark in Georgia)
22:58 - Retirement vs. Brokerage Accounts
29:47 - Ask an Advisor - We make $250K and save $3K/month, but homes are $1M+—should I cut 401(k) contributions to save faster for a down payment? (Skylar in Washington)
33:23 - Ask an Advisor - I returned to the ER for a follow-up I thought was free but got billed again—was I misled? (Shelley in Florida)
35:34 - Ask an Advisor - Can I gift my daughter appreciated S&P 500 shares so she can sell them in her low tax bracket and avoid capital gains? (Dave in Virginia)

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