The Clark Howard Podcast 08.12.25 Is the 60/40 Rule DEAD? and Inheriting Money The Right Way
21 snips
Aug 12, 2025 
Wes Moss, a fiduciary financial advisor and author of 'You Can Retire Sooner Than You Think', dives into the relevance of the 60/40 investment rule amidst today's market shifts. He argues that balanced investing remains essential for retirement security. With a historic $84 trillion wealth transfer on the horizon, Wes tackles the complexities of inheriting money and offers a practical checklist for both givers and receivers. Plus, he answers listener questions on navigating financial planning in these changing times.
AI Snips
Chapters
Books
Transcript
Episode notes
Balanced Investing Defined
- Balanced portfolios pair stocks with bonds or other income assets to reduce overall volatility and help investors stay invested in equities.
- Wes Moss explains balance makes stock investing easier while providing an income cushion against downturns.
60/40 $500K Retirement Example
- A $500,000 60/40 portfolio retired in 2013 using a 4% withdrawal grew to nearly $1,000,000 over the following decade-plus while supporting about $300,000 in withdrawals.
- Wes Moss uses this example to show a classic balanced approach produced solid outcomes across market cycles.
Current Bond Yields Improve Outcomes
- Interest rates today are meaningfully higher than a decade ago, which boosts bond yields inside balanced portfolios.
- Wes Moss notes the 10‑year Treasury moved from under 2% in 2013 to roughly 4.25% today, improving fixed‑income returns.
