You have a gift for teaching Mr. Fisher. When you talk, I cannot help, but give you 100% of my attention. Thank you for your videos, they are really informative and changed my perspective about money and investing.
I very much appreciate the insight. How would you respond to folks who bring up sequence of returns risk as a reason to weight your portfolio more heavily towards fixed income once in retirement? Do you think an 80/20 or 90/10 setup is sufficient enough to reduce the overall volatility of the portfolio and mitigate that risk? I understand the exact solution depends on the size of the portfolio and what they need it to accomplish and for how long, but would you say that not generating a large enough return through retirement is generally a bigger risk than a market downturn early in retirement?
Yes, depends on person and also estimated length of life left, etc. I would go 100% stocks until 40s. That is just me. Then set that ratio up and then adjust annually which can help u buy low or sell high. Be a robot, if u can. Broad index fund and total bond fund? Or etf. Stock speculation on the side to feed the need that the boring stuff cant satisfy. Need that balance of boredom and then the foolin yourself finding that edge part.
You have a gift for teaching Mr. Fisher. When you talk, I cannot help, but give you 100% of my attention. Thank you for your videos, they are really informative and changed my perspective about money and investing.
Great podcast! I have tried to explain this exactly as you have to friends but not nearly as eloquently as you.
Going on 73 with no BONDS, Never had any.
Volatility is not risk. It is a heartbeat. The market would be dead with no volatility. Flatline.
Thank you Mr. Ken !!
Social security is your fixed income.
thank you!
really good explanation!!
I very much appreciate the insight. How would you respond to folks who bring up sequence of returns risk as a reason to weight your portfolio more heavily towards fixed income once in retirement? Do you think an 80/20 or 90/10 setup is sufficient enough to reduce the overall volatility of the portfolio and mitigate that risk? I understand the exact solution depends on the size of the portfolio and what they need it to accomplish and for how long, but would you say that not generating a large enough return through retirement is generally a bigger risk than a market downturn early in retirement?
So do I set a monthly amount and let it alone?
I agree, although during times of yield curve inversions, it is good to hold short term treasuries, and us the interest to buy equities
Yes, depends on person and also estimated length of life left, etc. I would go 100% stocks until 40s. That is just me. Then set that ratio up and then adjust annually which can help u buy low or sell high. Be a robot, if u can. Broad index fund and total bond fund? Or etf. Stock speculation on the side to feed the need that the boring stuff cant satisfy. Need that balance of boredom and then the foolin yourself finding that edge part.
As highly credentialed competitor.. you are proverbial financial mozart..... always surgically eloquent..
Not now. Not when interest rates continue to rise and cash is paying 5% at the moment.
60/40 has always been obsolete.
"mid to late 80's", unless they took the medicine
60/40 is not viable since 2022 because 10 year yield seems to be going up long term