The Personal Finance Podcast

How to Build a Forever Portfolio With Rob Berger

12 snips
Dec 27, 2023
Guest
Rob Berger
Rob Berger, expert in building forever portfolios, shares tips on asset allocation, timeless investing principles, and retirement planning considerations. They discuss the impact of fees, social security, and the role of cash in retirement. They also talk about their individual stock investments, including Apple and Berkshire, and share their favorite books.
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ANECDOTE

Debt-Free Journey

  • Rob Berger's interest in personal finance sparked in 2005 after listening to Dave Ramsey.
  • He aimed for debt freedom in seven years but achieved it in fifteen.
ADVICE

Building a Forever Portfolio

  • Determine your stock-bond ratio, the most crucial asset allocation decision.
  • Build a simple portfolio with US stocks, international stocks, and bonds using low-cost index funds.
ADVICE

Retirement Asset Allocation

  • Gradually increase bond allocation as retirement approaches, aiming for 60-70% stocks.
  • Consider a slightly more aggressive allocation (75% stocks) if you're comfortable with higher volatility.
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