WCI #280: Asset Allocation, International Stocks, Bonds, Small and Mid-Cap Value Factors

Sep 15, 2022

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ADVICE

Define Enough Before Taking More Risk

Decide how much "enough" means before increasing risk and work effort to chase more wealth.
Set aside safe money for known expenses (TIPS, EE bonds, annuities) and keep the rest in a risk portfolio.

ADVICE

Make A Written, Mechanical Allocation Plan

Pick a mechanical plan for asset-allocation drift and write it into your investment plan.
Rebalance to whatever the plan calls for that year, whether static or gradually more conservative.

INSIGHT

Why International Underperformed Recently

Recent U.S. outperformance reflects a dollar strength and large-growth dominance, not company-level superiority.
Mean reversion makes it plausible international stocks will have stronger decades ahead.

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This episode Dr. Dahle talks about asset allocation. We discuss if your asset allocation should ever change and specifically if it should change in retirement or after you are financially independent. We discuss if it is even worth investing in international when US stocks are doing so well. Bonds continue to disappoint, and we continue to give the same message—stay the course. Once we talked all about asset allocation and investing, we move on to what you do once you have invested your money. You spend it. Funny enough, for some people, spending money is even harder than saving it. There is no point in having money if you are not going to spend it. Live a little! See full show notes here: https://www.whitecoatinvestor.com/asset-allocation-international-stocks-bonds-small-and-mid-cap-value-factors-280

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