Risk Parity Radio

Another Bonus Email Episode!  In this episode we answer emails from listeners John, Mitchell, Steve, Elisheva, Brian and Justin about an article about us, withdrawal rates for the experimental sample portfolios, transitioning into retirement at age 55 (twice!), a newsletter, putting you to sleep with RPR, the Hedgefundie Ultimate Adventure portfolio, muni-bonds and options strategies.Links:John G's Article:  Why I'm Unhappy when all my Investments go up - SmartMoneyToolboxPortfoliocharts Portfolio Analyzer (input your own numbers):  MY PORTFOLIO – Portfolio ChartsAll About The Hedgefundie Ultimate Adventure Portfolio:  HEDGEFUNDIE's Excellent Adventure (UPRO/TMF) - A Summary (optimizedportfolio.com)Support the show

In this episode, we take on Listener Erik's request to analyze the TIAA Real Estate Account, QREARX, which we do using David Stein's Ten Questions to Master Investing:1.  What is it?2.  Is it an investment, a speculation, or a gamble?3.  What is the upside?4.  What is the downside?5.  Who is on the other side of the trade?6.  What is the investment vehicle?7.  What does it take to be successful?8.  Who is getting a cut?9.  How does it impact your portfolio?10.  Should you invest?Additional Links:QREARX Fact Sheet:  TIAA Real Estate Account Fact SheetQREARX FAQ:  REA FAQ 12.31.20 (tiaa.org)Support the show

In this all mail-bag episode we answer questions from Brian, Ayne, Drew and Lana about shifting into risk-parity portfolios early, Vanguard fund options, advice if you have a significant real estate portfolio on the side, advice for young adult children and about what asset classes do well in inflationary environments.Links:Portfolio Charts Main Calculator Page:   MY PORTFOLIO – Portfolio ChartsPortfolio Charts Golden Butterfly Page:  Golden Butterfly – Portfolio ChartsPortfolio Charts Retirement Spending Calculator:  RETIREMENT SPENDING – Portfolio ChartsM. Kitces Four Phases Article:   The Four Phases Of Saving For Retirement (kitces.com)REIT Matrix:  REIT Correlations Support the show

In this episode we answer questions from Patrons Dominic and Jenny and Listeners #4593 and Phil about where to put your gold funds, making the transition to a risk-parity style portfolio,  gold vs. bitcoin and a Ben Felix stock portfolio.  Then we move to our weekly portfolio reviews of the sample portfolios you can find at The Risk Parity Radio Portfolios PageAdditional Links:The Lindy Effect:  Lindy effect - WikipediaGold/Bitcoin Correlation Analysis:  Asset Correlations (portfoliovisualizer.com)Mandelbrot Set Video:  Eye of the Universe - Mandelbrot Fractal ZoomBen Felix Five Factor Investing Video:  Five Factor Investing with ETFs - YouTubeBen Felix Five Factor Investing Paper:  Five Factor Investing with ETFs | PWL CapitalRational Reminder Podcast with Paul Merriman:  RR #147 - Paul Merriman: We're Talking Millions - YouTubeSupport the show

Please join Diania Merriam and me for a Q&A session on May 2 at noon EDT.  Here is the link to register:  Investing Demystified: Q&A with Frank Vasquez (webinarjam.com)Support the show

In this episode, we answer emails from Brad, the Mysterious Visitor #6369, Robyn, Zach and Young about thanks, TIPs, TLT and leveraged bond funds.  Then we complete our analysis of the SPDR Long Term Corporate Bond Fund, SPLB, using David Stein's Ten Questions to Master Investing:1.  What is it?2.  Is it an investment, a speculation, or a gamble?3.  What is the upside?4.  What is the downside?5.  Who is on the other side of the trade?6.  What is the investment vehicle?7.  What does it take to be successful?8.  Who is getting a cut?9.  How does it impact your portfolio?10.  Should you invest?Links:SPLB Fact Sheet:  SPDR® Portfolio Long Term Corporate Bond ETFEpisode 70:  IVOL Analysis Part One | Risk Parity RadioEpisode 72:   IVOL Analysis Part Two | Risk Parity RadioCorrelation Analysis of TIP vs. short and intermediate treasuries:  TIP Correlations (portfoliovisualizer.com)Episode 9:  PFF Analysis | Risk Parity RadioSPLB Correlation Analysis:  SPLB Asset Correlations (portfoliovisualizer.com)SPLB vs. PFF Backtest Comparison:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)Support the show

In this episode we go through the basics about the taxation of ordinary brokerage accounts at an elementary level and answer questions from Brian and Jamie about taxation of intermediate savings and tax location approaching retirement.  Links:Tax Schedules for Ordinary Income:  2021 Tax Brackets and Other Tax Changes (investopedia.com)Long-Term Capital Gains Information and Tax Schedules:  Capital Gains Tax 101  (investopedia.com)Bogleheads on Investing Episode 032:  Phil DeMuth, host Rick Ferri (podbean.com)Using the Zero Percent LTCG's Rate In Retirement:  Never Pay Taxes Again - Go Curry Cracker!Support the show

In this episode we answer a question from Melissa about a Merriman Four-Fund Combo Portfolio, a question from Tony about a whole lot of stuff and then move to our weekly portfolio reviews of the sample portfolios you can find at The Risk Parity Radio Portfolios PageAdditional Links:Merriman Retirement Portfolio:  6 Steps to the Ultimate Retirement Portfolio | Paul MerrimanAnalysis Tweaking The Merriman Portfolio:  Backtest Portfolio Analysis (portfoliovisualizer.com)Long Term Treasuries/Stock Market Comparison:  Backtest LT Treasuries Portfolio Analysis (portfoliovisualizer.com)Correlation Comparison of GNR and PDBC:  Correlations Comparison (portfoliovisualizer.com)Support the show

In this episode, we answer a question from Mark about preparing for his impending retirement and begin our analysis of the SPDR Long Term Corporate Bond Fund, SPLB, using David Stein's Ten Questions to Master Investing:1.  What is it?2.  Is it an investment, a speculation, or a gamble?3.  What is the upside?4.  What is the downside?5.  Who is on the other side of the trade?6.  What is the investment vehicle?7.  What does it take to be successful?8.  Who is getting a cut?9.  How does it impact your portfolio?10.  Should you invest?Links:  Episode 68 And Links:   Risk Parity Radio Episode 68Asset Correlation Analyzer:   Asset Correlations (portfoliovisualizer.com)Episode 14 (Bonds Part One):  Risk Parity Radio Episode 14Episode 16 (Bonds Part Two):  Risk Parity Radio Episode 16 SPLB Fact Sheet:  Fact Sheet:  SPDR® Portfolio Long Term Corporate Bond ETFSPLB Summary Prospectus:  Summary Prospectus for SPLBSupport the show

In this action-packed bonus episode we answer listener questions from Javen, Tim, Julie, Don and Jacob about an experimental portfolio, valuation metrics and academic studies on risk parity, variations on the Risk Parity Ultimate sample portfolio, highly correlated meat products and total bond funds.  Relevant Links:Javen S XVZ link:  How Does Barclays’ XVZ ETN Work? | Six Figure InvestingJaven S Portfolio Backtest:  Backtest Portfolio Asset AllocationBerkeley Academic Paper:  risk parity111111.pdf (berkeley.edu)Managing Multi-Asset Strategies Chapter 4:  Chapter-4-from-Managing-MultiAsset-Strategies-2018.pdf - Google DriveThe All-Weather Story:  All-Weather-Story.pdfRisk Parity Ultimate Variants:  RPU Portfolio BacktestThe Mega REIT Correlation Matrix:  Asset CorrelationsSupport the show