They debate whether the 4% withdrawal rule still holds and explore hybrid withdrawal strategies. They dive into diversification, recent asset-class rotations, and the case for rebalancing. They discuss the role of taxable versus tax-advantaged accounts and practical choices around selling or renting a home with a low mortgage rate. Emerging markets and how to invest in them also come up.
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insights INSIGHT
Diversification Is Insurance, Not A Bet
Diversification protects you because you don't have to predict winners in advance.
If one asset class rebounds you gain exposure without timing the market.
insights INSIGHT
Short Bursts Don’t Define Long-Term Trends
Recent 13-month outperformance shows international and emerging markets have reasserted themselves.
Short windows matter little; long-term cycles still govern relative returns.
volunteer_activism ADVICE
Rebalance When Allocations Drift
Rebalance into non-U.S. assets if your allocation no longer matches your plan.
Don’t abandon diversification after a long U.S. outperformance; adjust to your long-term allocation.
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On episode 207 of Ask The Compound, Ben Carlson and Duncan Hill discuss the 4% rule, emerging markets, tax-advantaged accounts, diversification, selling a home with a low rate and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com!
Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Ben Carlson and Duncan Hill are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/
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