Risk Parity Radio
Episode 423: ALLW (It's New!), Social Security Claiming Considerations And Dividend Delusions
May 15, 2025
Discover the ins and outs of the new ALLW ETF, a collaborative effort meant to bring stability through risk parity. Analyze its complexities and high fees against traditional portfolio strategies. Delve into the confusing landscape of Social Security claiming with practical insights on personal longevity and family histories. Uncover the truth behind dividend investing—most returns stem from reinvested dividends, not just payouts. This episode demystifies common financial misconceptions and helps refine your investment approach.
36:35
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Quick takeaways
- The introduction of the ALLW ETF highlights the need for careful risk assessment in retirement strategies due to its leveraged dynamics.
- Determining the optimal age for claiming Social Security requires a personalized approach that considers individual financial circumstances and longevity expectations.
Deep dives
Transitioning to Decumulation
The episode highlights the challenges faced by individuals nearing retirement, particularly those like a listener named Dave who is transitioning from accumulation to decumulation in their portfolio. This process involves shifting investment strategies to ensure a stable income during retirement, which can be complex due to factors like investment volatility and distribution rates. Dave's inquiry about the All Weather ETF, introduced by Bridgewater and State Street, emphasizes the importance of understanding asset management as retirement approaches. Such funds promise diversification but require careful consideration regarding their long-term suitability for generating retirement income.
