Risk Parity Radio

Topics include Portfolio Charts matrix and metrics, analysis of Cockroach portfolio approach, timing 401k to IRA transfer, reasons for keeping traditional IRAs, and weekly portfolio reviews of sample portfolios

In this episode we talk about some recent unfavorable changes to Portfolio Visualizer, have a look at a new backtesting tool, and then get back at it with emails from James, Andrew, Phil and Frodo.  We discuss how flexible withdrawal strategies improve safe withdrawal rates and how we use them as a fail-safe or backstop to our 3-1-1 plan, options for financing buying a house, a funny Avengers video and transitioning grandma's 19-fund portfolio to something simpler and better.Links:Rob Berger Video re Portfolio Visualizer:  Navigating Portfolio Visualizer's New Design and a Free Alternative (youtube.com)Testfol Backtester with A Sample Analysis:  testfol.ioMorningstar Report re Variable Withdrawal Strategies:  Six Retirement Withdrawal Strategies that Stretch Savings | MorningstarPortfolio Charts Variable Withdrawal Calculator:  Retirement Spending – Portfolio ChartsPhil's Video:  Introducing NOW internet (youtube.com)Big ERN Article Re Cederburg Paper:  100% Stocks for the Long Run? - Early Retirement NowSupport the show

Discussing national debt apocalypse theories, debunking bad data analyses, exploring umbrella insurance benefits. Detailed portfolio reviews of sample portfolios and a temporary hiatus announcement for personal reasons.

Topics discussed include the 5% withdrawal rule for financial planners, financial independence, preferred shares fund PFF, a proposed portfolio, and managing portfolio check-ins to avoid insanity. Humorous responses to negative reviews and listener emails add entertainment to the episode.

In this episode we answer emails from Kimbrough from Anchorage and anonymous Visitors from British Columbia and Denver.  We discuss fish hatching and slaughterhouses, long term treasury bond funds, the inherent problems and inefficiencies with many popular but inflexible withdrawal plans, and how we use our flexible 3-1-1 guidelines to match and maximize spending, fixing a cash hoarding problem and why you want a growth/value split in your stock allocations.Links:Security Analysis Podcast with Yours Truly:  Frank Vasquez: Risk Parity Investing Part 2 (securityanalysis.org)VSG's Weird Portfolio:  Weird Portfolio – Portfolio ChartsMerriman Best-In-Class ETFs:  Best-in-Class ETF Recommendations | Merriman Financial Education Foundation (paulmerriman.com)Merriman Podcast re Best-In-Class ETFs:  Best in Class ETF 2024 Updates (paulmerriman.com)Support the show

In this episode we answer emails from Steve, Mark, and Judy.   We take a frolic and detour into talking about going to law schools, talk about some Rob Berger videos and bucketeering, robo-advisor things and why they are not very helpful, and better choices.And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:Father McKenna Center Spring 2024 Newsletter:  Newsletter Spring 2024 - Father McKenna CenterRob Berger Video on "Know Nothing" Portfolios:  Fed Chair Powell Just Taught A Masterclass On Investing (youtube.com)Rob Berger Interview of Harold Evensky:  Conversation with the Father of the Bucket Strategy--Harold Evensky - YouTubeRob Berger On "Bucket Strategies" Generally:  The Bucket Strategy is Flawed--Do this Instead - YouTubeRob Berger On The "Never Retire" Retirement Strategy:  7 Reasons to Never, Ever Retire (even if you can) (youtube.com)Support the show

Topics discussed include gold market movements, mental models of crowds and history, the truth about inflation in retirement, and global portfolios. They address misconceptions about retirees experiencing inflation differently, avoiding physical metals investments, and analyzing ideal retirement portfolios based on global withdrawal rates.

In this episode we answer emails from Anderson, Brian and Drew.   We entertain ourselves on 4/20 with Anderson's "Uncle Frank" Portfolio and learn something from it, discuss asset swapping for management of retirement accounts with a hat tip to Justin (Risk Parity Chronicles), and discuss the new Global Portfolio analysis and tools from Tyler at Portfolio Charts.And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:Anderson's "Uncle Frank" Portfolio:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)"How To Do An Asset Swap" Video From Justin:  How to Do an Asset Swap (youtube.com)New Portfolio Charts Global Portfolio Analysis And Tools:  What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios – Portfolio ChartsFather McKenna Center Donation Page:  Donate - Father McKenna CenterSupport the show

In this episode we answer emails from Kyle, Andrew, Sameer and James.  We discuss some portfolio comparisons of levered 60/40 portfolios, interpreting and comparing safe withdrawal rates from various calculators and their practical application in consideration of variable expenses and needs (our 3-1-1 flexible withdrawal plan),  the foolish consistencies of DIYer and financial planners who seem to enjoy discouraging retirement spending,  and recent articles about Fidelity's spat with some ETF providers.Links:Kyle's Portfolio #1:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)Kyle's Portfolios #1 and #2:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)Kyle's Portfolios #1, #2 and #3:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com) Golden Butterfly Portfolio -- SWR And Other Characteristics:  Golden Butterfly Portfolio – Portfolio ChartsLarry Swedroe Interview About New Book and Factor Investing:  ‘Buffett really was not a great stock picker’: Financial researcher Larry Swedroe on how investors can emulate the billionaire investor – NBC ConnecticutArticle #1 re Fidelity and Fees:  Fidelity Puts Nine ETF Firms on Notice That New Fees Are Looming - Bloomberg (archive.fo)Article #2 re Fidelity and Fees:  Fidelity Adds Surcharge to ETF Platform | etf.comSupport the show

In this episode we answer an email from Ingrid.  We discuss target date funds in depth and why they are not good choices for investors.  We review their history and recent academic research that reveals the truth.  You may not like it, but we hope you can handle it.And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.Additional link: Referenced Academic Paper Revealing The Awful Truth About Target Date Funds:  The Unintended Consequences of Investing for the Long Run: Evidence from Target Date Funds by Massimo Massa, Rabih Moussawi, Andrei Simonov :: SSRNSupport the show