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

In this episode we answer emails from Ed, Anderson and Joe.   We discuss assisting aging parents running out of money, Anderson's levered accumulation portfolio and locating the assets, and using the G Fund in a TSP as a short-term bond fund.Links:Portfolio Matrix Used to Analyze Anderson's Portfolio (insert allocations per podcast):  Portfolio Matrix – Portfolio ChartsMorningstar Article re G Fund:  How Good Is the Federal Government’s G Fund? | MorningstarSupport the show

Explore the Rule of 55 for 401(k) withdrawals, the US dollar's global dominance, and the basics of constructing portfolios with high safe withdrawal rates. Delve into quirky financial independence stories and insights, along with navigating the unpredictability of gold investments.

In this episode we answer emails from Jon, Eli, and George.  We discuss using the tools at Portfolio Charts, methods of charitable giving to our favorite charity, extreme podcast listening, what to invest in if you are speculating on inflation next year and other gambling problems, and applying the math of Shannon's Demon to show us why we should not let the Simplicity Principle tail wag the Holy Grail principle diversification dog when constructing diversified portfolios.Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterNew Portfolio Charts Article re Gold and Global Safe Withdrawal Rates:  What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios – Portfolio ChartsShannon's Demon Article from Market Sentiment:  Shannon's Demon - Market SentimentShannon's Demon Article from Portfolio Charts:  Unexpected Returns: Shannon's Demon & the Rebalancing Bonus – Portfolio ChartsShannon's Demon Article from World Scientific:  SWITCHING BETWEEN TWO LOSING STOCKS MAY ENABLE PARADOXICAL WIN: AN EMPIRICAL ANALYSIS (worldscientific.com)Shannon's Demon Article from Breaking The Market:  The Great Age of Rebalancing Begins - (breakingthemarket.com)Support the show

In this episode we answer emails from Jetson and Jon (x2).   We discuss good times to trade, transitioning to a risk parity style portfolio with sub-optimal components and related considerations, experimenting with and learnings from the tools at Portfolio Charts, including the Portfolio Matrix and Drawdown Analyzer, and Gooooold!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:  Home - Father McKenna CenterPortfolio Matrix Calculator:  Portfolio Matrix – Portfolio ChartsPortfolio Drawdowns Calculator:  Drawdowns – Portfolio ChartsPortfolio Charts "Ingredients" Article:  Three Secret Ingredients of the Most Efficient Portfolios – Portfolio ChartsSafe Withdrawal Rate Series Article about Gold:  Using Gold as a Hedge against Sequence Risk - SWR Series Part 34 - Early Retirement NowSupport the show

In this episode we answer emails from Mark,  Justin, and Cy, and also update our answer to last episode's email from Sean.  We talk about a different approach to Sean's situation, Mark's experiments with leveraged funds, rebalancing and assorted gambling problems, reporting on the sample portfolios at the website, the difficulties of trying to plan "how much" goes in retirement, Roth and ordinary accounts, and a full-on nostalgic Blazing Saddles experience.Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterMark's Experimental Portfolio Backtest:  https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=3rBetjbWFjRbRZSN6uMuIaShannon's Demon Article:  Unexpected Returns: Shannon's Demon & the Rebalancing Bonus – Portfolio ChartsRecent Interview of Value Stock Geek:  Inside the Mind of a Value Investor w/ Value Stock Geek (theinvestorspodcast.com)Portfolio Charts Portfolio Matrix:  Portfolio Matrix – Portfolio ChartsSupport the show

In this episode we answer emails from Andrew, Sean, and MyContactInfo.  We discuss QDSIX and other AQR funds and their approaches, good and bad uses of bond ladders, and macro-issues pertaining to projected global population declines in the future.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:QDSIX fact page:  AQR Diversifying Strategies Fund - QDSIXBen Carlson Article on Bond Funds vs. Bond Ladders:  Owning Individual Bonds vs. Owning a Bond Fund - A Wealth of Common SenseNiall Ferguson Article:  Global Population Collapse Isn't Sci-Fi Anymore: Niall Ferguson - BloombergShock of Gray Book:  Shock of Gray: The Aging of the World's Population and How it Pits Young Against Old, Child Against Parent, Worker Against Boss, Company Against Rival, and Nation Against Nation by Ted C. Fishman | GoodreadsHans Rosling's Factfulness:  Factfulness: Ten Reasons We're Wrong About the World – and Why Things Are Better Than You Think by Hans Rosling | GoodreadsHans Rosling Video on Population: Why the world population won’t exceed 11 billion | Hans Rosling | TGS.ORG (youtube.com)Hans Rosling Factfulness Video:  The mindset of factfulness | Hans Rosling | TGS.ORG (youtube.com)Happy Pod:  BBC World Service - Global News Podcast, The Happy Pod: The gift of sightPortfolio Charts Withdrawal Rates Article:  How to Harness the Flowing Nature of Withdrawal Rate Math – Portfolio ChartsPortfolio Charts Portfolio Matrix Comparison Tool:  Portfolio Matrix – Portfolio ChartsPortfolio Charts Portfolio Risk-Return Comparison Tool:  Risk And Return – Portfolio ChartsSupport the show

In this episode we review why we are here and then answer emails from Paulo, Paul G, and Carlos.  We discuss our recent trip to the EconoMe Conference, Paulo's portfolio ideas, the plague of being unable to spend money that afflicts most popular personal finance personalities, Mark's Money Mind (a new podcast), why the Simplicity Principle should not override the Holy Grail and other investing principles, and investing from emerging market countries.Links:Mark's Money Mind podcast (YouTube version):  The Financial Speedometer: Tracking Your Income & Expenses | Episode 004 (youtube.com)Paul G's Golden Butterfly analyses:  https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&sl=2lyVPkZFRfTEgVF8cZIAe5Shannon's Demon and Rebalancing Article:  Unexpected Returns: Shannon's Demon & the Rebalancing Bonus – Portfolio ChartsCarlos' Article re Emerging Markets:  Safe withdrawal rates from retirement savings for residents of emerging market countries (repec.org)Support the show