Risk Parity Radio

Episode 432: A Transition Quandary, The 25 x 4 Portfolio, RPR On Afford Anything Podcast, Other Stuff And Portfolio Reviews As Of June 20, 2025

Jun 21, 2025
Dive into a world of investment strategies as the hosts tackle listener queries about transitioning retirement assets and de-risking portfolios. Discover Jack's innovative '25 x 4' risk parity approach. Explore the role of treasury bonds and gold as co-diversifiers. Enjoy the amusing anecdotes from a Father's Day celebration while learning about creating a personalized 'Risk Parity Portfolio Blueprint.' Plus, gain insights into ESG investing and the critique of typical retirement calculators. Let the journey to financial empowerment begin!
Ask episode
AI Snips
Chapters
Transcript
Episode notes
ADVICE

De-risking Transition Advice

  • Move 401k and TSP bond holdings into bond funds now to begin de-risking immediately.
  • Use Roth IRAs for stock allocations to reduce taxable transactions and manage tax efficiency.
ADVICE

25 x 4 Portfolio Guidance

  • The "25 x 4" risk parity portfolio is a solid choice with balanced stocks, gold, and treasuries.
  • Be prepared for psychological challenges due to the large 25% gold allocation's volatile decades.
INSIGHT

CFP and Calculator Limitations

  • Many CFPs lack understanding of gold's diversification benefits and real returns.
  • Retirement calculators often obscure assumptions, causing misleading projections.
Get the Snipd Podcast app to discover more snips from this episode
Get the app