3 Investments That Should Never Go In Your Retirement Portfolio

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Oct 21, 2025

Discover why relying on gold, concentrated stocks, and home equity can jeopardize your retirement. Gold often fails to provide reliable inflation protection, while single-stock bets can increase risks significantly. Plus, home equity, though cherished, doesn’t translate into steady income. Learn about a framework that focuses on growth and reserve sleeves for sustainable withdrawals, along with rebalancing strategies to ensure a consistent paycheck for life. Say goodbye to shiny distractions and hello to financial security!

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INSIGHT

Retirement's Dual Job

Retirement portfolios must both grow to beat inflation and protect against market downturns.
You need assets that preserve purchasing power and provide stability during extended market drops.

ADVICE

Question Gold's Long-Term Role

Avoid relying on gold as an inflation hedge without examining long-term math.
Historical price pegs caused a 1970s spike that misleads its average long-term utility.

INSIGHT

Gold's Performance Is Decade-Dependent

Gold outperformed stocks in the 1970s largely due to a one-time market revaluation.
Subsequent decades show gold underperformed or lagged stocks for long stretches.

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Think your retirement’s safer with a little gold, a favorite stock, and a home full of equity? Time for a reality check. In this episode, we put three “sacred” retirement assets to the test and show how they can quietly derail the one outcome that really matters: a steady paycheck for life.

You’ll learn how to define your retirement portfolio’s real job, growth that beats inflation and protection that funds your lifestyle through market swings. We unpack gold’s myth versus math, why concentrated stock bets widen your risk, and how home equity fits more as lifestyle than income.

Then we share a clear framework for sustainable withdrawals:

growth sleeves that fight inflation
reserve sleeves that fund stability
rebalancing rules and guardrails that keep you on track

Because a great retirement isn’t built on shiny objects or hometown pride, it’s built on reliable income you can live on, year after year.

Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.

The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.

Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements

Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

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