Risk Parity Radio

Episode 448: The Problem With Simulated Crystal Balls, Cleveland Rocks, And Portfolio Reviews As Of August 22, 2025

Aug 24, 2025
Dive into the fascinating world of investments as the hosts unravel the importance of historical data over simulated predictions. They tackle questions about managing inherited IRAs and 529 plans, highlighting key tax implications. Get ready for a nod to Cleveland’s Rock & Roll Hall of Fame and the joy of iconic music moments. They also review various portfolios, revealing promising trends in the current market. Expect engaging insights sprinkled with humor and a glimpse of exciting changes ahead!
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ADVICE

Keep Bonds In Tax-Deferred Accounts

  • Keep low-growth, ordinary-income assets inside tax-deferred accounts like IRAs to minimize tax drag.
  • Use asset swaps across accounts: reinvest distributions into stocks taxable, and shift bonds into traditional accounts like a TSP.
ADVICE

Plan Distributions Toward Retirement Allocation

  • Plan your inherited-IRA distributions with your target retirement allocation in mind and build toward your intended retirement portfolio.
  • Use available account rollovers (e.g., roll TSP to IRA at retirement) to rebalance into preferred holdings later.
ANECDOTE

Frank's Practical 529 Approach

  • Frank describes using 529s mainly for Virginia state tax deductions and keeping the rest of college savings in taxable accounts.
  • He shifted 529s from all-stock to all-bonds in high school to lock in a predictable college amount.
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