Cullen Roche

Cullen Roche, Founder and CIO of Discipline Funds and author of Your Perfect Portfolio, discusses modern portfolio construction. He critiques the traditional 60/40 portfolio in light of recent market challenges and highlights the importance of aligning assets to personal circumstances. Cullen dives into investor psychology during downturns and suggests that income stability determines risk capacity. He introduces the concept of the forward-cap approach, emphasizing macro trends and the simplicity of a three-fund model while advocating for tailored investment strategies.

Cullen Roche, Founder and CIO of Discipline Funds and author of Your Perfect Portfolio, shares insights on crafting investment strategies. He discusses the evolving economic landscape, highlighting how tariffs impact markets and the potential for a K-shaped recovery. Cullen emphasizes the importance of bespoke portfolios that align with individual goals, advocating for temporal diversification to mitigate risks. He reframes risk in terms of personal financial goals and critiques stock-picking, suggesting a more tailored, systematic approach to investing.

Cullen Roche, founder and CIO of Discipline Funds and pragmatic investing commentator, shares 10 portfolio principles. He reframes buying stocks as reallocating savings. Short takes cover behavioral pitfalls like panic-selling and FOMO. He explains diversification, cost and tax importance, the 3–10 year allocation challenge, and concrete tactics like the 351 exchange and defined-duration matching.

Cullen Roche, founder of Discipline Funds and author of Your Perfect Portfolio, breaks down portfolio construction and popular strategies. He compares 60/40, risk parity, Buffett-style approaches and permanent portfolios. They explore diversification limits in crises, trend-following as a true diversifier, behavioral traps, and practical implementation tips.

Cullen Roche, founder and CIO of Discipline Funds and author on pragmatic portfolio design, explains why one-size-fits-all allocations fail. He walks through the history and trade-offs of the 60/40, a Buffett-style cash approach, and the idea of “T-bill and chill.” Topics include cash management with T-bills vs. banks, practical ladders and ETFs, and sequence-of-returns risk around early retirement.