Risk Parity Radio

This is our weekly portfolio review of the portfolios you can find at: https://www.riskparityradio.com/portfoliosAdditional Links:Introducing the Aggressive Fifty-Fifty Portfolio:  RPR Episode 10Episode 24 regarding the Aggressive Fifty-Fifty:  RPR Episode 24 Rebalancing the Aggressive Fifty-Fifty:  RPR Episode 32 Portfolio Visualizer Analysis:  Backtest Fifty-Fifty PortfoliosSupport the show

In this portfolio analysis bonanza episode we tweak the Paul Merriman Two Funds for Life and Merriman Ultimate Portfolios to improve them Risk-Parity style and have a look at a portfolio submitted by Brad, one of our listeners.Links:Earn & Invest Podcast featuring Paul Merriman and Rich Buck:  https://paulmerriman.com/tag/rich-buck/Merriman Two-Funds For Life Portfolio Explanation:  https://paulmerriman.com/2-funds-for-life/Merriman Ultimate TDF Portfolio:  https://paulmerriman.com/the-ultimate-target-date-fund-portfolio/Merriman Google Sheet re Portfolio Glidepaths:  https://docs.google.com/spreadsheets/d/1oNtsaWWXexQj30_sxEGBI08kCnrdzVdWg3dITu3ZSc8/edit#gid=0Portfolio Visualizer Analysis of Two Funds For Life at 65 vs. Risk Parity Alternative:  https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=1972&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&portfolioNames=true&portfolioName1=Two+Funds+For+Life+at+65&portfolioName2=Risk+Parity+Alternative&portfolioName3=Portfolio+3&asset1=TotalStockMarket&allocation1_1=30&allocation1_2=30&asset2=IntlStockMarket&allocation2_1=20&allocation2_2=20&asset3=TotalBond&allocation3_1=30&asset4=GlobalBond&allocation4_1=10&asset5=TIPS&allocation5_1=10&asset6=LongTreasury&allocation6_2=30&asset7=Gold&allocation7_2=15&asset8=TreasuryBills&allocation8_2=5Portfolio Visualizer Analysis of Ultimate Glidepath vs. Risk Parity Alternative:  https://tinyurl.com/ycpfeazqPortfolio Visualizer Analysis of Brad's Portfolio vs. Golden Butterfly:  https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&showYield=false&reinvestDividends=true&portfolioNames=true&portfolioName1=Golden+Butterfly&portfolioName2=Brad%27s+Alternative&portfolioName3=Portfolio+3&symbol1=VTI&allocation1_1=20&symbol2=IJS&allocation2_1=20&symbol3=GLD&allocation3_1=20&allocation3_2=20&symbol4=TLT&allocation4_1=20&allocation4_2=20&symbol5=SHY&allocation5_1=20&symbol6=XLY&allocation6_2=20&symbol7=VGT&allocation7_2=20&symbol8=IEF&allocation8_2=20Support the show

This is our weekly portfolio review of the portfolios you can find at: https://www.riskparityradio.com/portfoliosAdditional Links:Episode 3 -- History of Portfolio Allocations Part 1:  Episode 3Episode 5 -- History of Portfolio Allocations Part 2:  Episode 5Episode 8 -- Introducing the Accelerated Permanent Portfolio:  Episode 8Portfolio Visualizer Analysis:   https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=6.0&relativeDeviation=0.0&showYield=false&reinvestDividends=true&benchmark=-1&benchmarkSymbol=VTI&portfolioNames=true&portfolioName1=Original+Permanent+Portfolio&portfolioName2=Accelerated+Permanent+Portfolio&portfolioName3=Portfolio+3&symbol1=UPRO&allocation1_2=25&symbol2=TMF&allocation2_2=27.5&symbol3=PFF&allocation3_2=25&symbol4=GLD&allocation4_1=25&allocation4_2=22.5&symbol5=VTI&allocation5_1=25&symbol6=TLT&allocation6_1=25&symbol7=CASHX&allocation7_1=25&symbol8=SHYSupport the show

In this episode we address a listener question from Joseph K. about Part 34 of Big ERN's SWR Series ("Using Gold as a Hedge against Sequence Risk"), which you can find here:https://earlyretirementnow.com/2020/01/08/gold-hedge-against-sequence-risk-swr-series-part-34/Additional Links:RPR Episode 12:  Podcast | Risk Parity RadioBig ERN's Option Writing Portfolio Strategy (Part 3):  https://earlyretirementnow.com/2019/03/27/passive-income-through-option-writing-part-3/Homestake Mining in the Great Depression:  https://www.caseyresearch.com/daily-dispatch/gold-stocks-depression/Support the show

This is our weekly portfolio review of the portfolios you can find at: https://www.riskparityradio.com/portfoliosAdditional links:Choose FI Episode 275:  https://www.choosefi.com/board-games-and-war-games-ep-275/Choose FI Episode 277:  https://www.choosefi.com/gauging-the-weight-of-your-portfolio-ep-277/Choose FI Episode 194:  https://www.choosefi.com/the-role-of-bonds-in-a-portfolio/Risk Parity Radio Bonds Part 1:   Podcast | Risk Parity RadioRisk Parity Radio Bonds Part 2:  Podcast | Risk Parity RadioComparative Analysis of the Risk Parity Ultimate Portfolio Against A Rick Ferri Core Four:  https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=true&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=0.0&showYield=true&reinvestDividends=true&portfolioNames=true&portfolioName1=Risk+Parity+Ultimate&portfolioName2=Rick+Ferri+Core+Four&portfolioName3=Portfolio+3&allocation1_1=0&allocation1_3=0&symbol2=VUG&allocation2_1=12.5&allocation2_3=0&symbol3=VIOV&allocation3_1=12.5&allocation3_3=0&symbol4=VOO&allocation4_1=12.5&allocation4_3=0&symbol5=EDV&allocation5_1=5&symbol6=TLT&allocation6_1=15&allocation6_3=0&symbol7=GLD&allocation7_1=10&symbol8=VNQ&allocation8_1=5&allocation8_2=8&allocation8_3=0&symbol9=VNQI&allocation9_1=5&allocation9_3=0&symbol10=VIXY&allocation10_1=2.5&symbol11=PFF&allocation11_1=12.5&symbol12=UPRO&allocation12_1=2.5&symbol13=CASHX&allocation13_1=0&symbol14=TMF&allocation14_1=5&symbol15=VTI&allocation15_2=48&symbol16=VXUS&allocation16_2=24&symbol17=IEF&allocation17_2=20Support the show

This is our weekly and monthly portfolio reviews of the portfolios you can find at: https://www.riskparityradio.com/portfoliosAdditional Links:RPR Episode 6 -- About The Golden Ratio Portfolio:  Podcast | Risk Parity RadioRick Ferri Core Four Portfolio Reference:   https://portfoliocharts.com/portfolio/rick-ferri-core-four/Comparison Analysis of GolderRatio vs. Rick Ferri Core Four:   https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=2&startYear=1972&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=0.2&relativeDeviation=20.0&portfolioNames=true&portfolioName1=Rick+Ferri+Core+Four&portfolioName2=Golden+Ratio&asset1=TotalStockMarket&allocation1_1=48&allocation1_2=14&asset2=LargeCapGrowth&allocation2_2=14&asset3=SmallCapValue&allocation3_2=14&asset4=LongTreasury&allocation4_2=26&asset5=Gold&allocation5_2=16&asset6=REIT&allocation6_1=8&allocation6_2=10&asset7=IntermediateTreasury&allocation7_1=20&allocation7_2=0&asset8=ShortTreasury&asset9=IntlStockMarket&allocation9_1=24&allocation9_2=0&asset10=TreasuryBills&allocation10_2=6Support the show

This episode is a follow-up to Episode 7 about our basic principles of risk-parity portfolio construction, which are: (1) the Holy Grail Principle; (2) the Macro-Allocation Principle; and (3) the Simplicity Principle.  Links:Episode 7:  Risk Parity Radio Episode 7Optimal Finance Daily Episode 1361:  https://oldpodcast.com/1361-annualized-returns-by-asset-class-from-1999-2018-by-sam-of-financial-samurai-on-reits-gold-investments/Bigger Pockets Money Episode 153:  https://www.biggerpockets.com/blog/biggerpockets-money-podcast-153-bill-bengenEarn & Invest Podcast November 30, 2020:  https://www.earnandinvest.com/episodes-2/supercharge-your-retirement-and-make-millions-moreSupport the show

This is our weekly portfolio review of the portfolios you can find at https://www.riskparityradio.com/portfoliosThe Portfolio of the Week is the Golden Butterfly, which you can learn more about here:https://portfoliocharts.com/2015/09/22/catching-a-golden-butterfly/We compare the Golden Butterfly Portfolio with the Rick Ferri Core Four at Portfolio Visualizer.  Link to analysis:https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=2&startYear=1972&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=0.2&relativeDeviation=20.0&portfolioNames=true&portfolioName1=Golden+Butterfly&portfolioName2=Rick+Ferri+Core+Four&portfolioName3=Portfolio+3&asset1=TotalStockMarket&allocation1_1=20&allocation1_2=48&asset2=LargeCapGrowth&asset3=SmallCapValue&allocation3_1=20&asset4=LongTreasury&allocation4_1=20&asset5=Gold&allocation5_1=20&asset6=REIT&allocation6_1=0&allocation6_2=8&asset7=IntermediateTreasury&allocation7_1=0&allocation7_2=20&asset8=ShortTreasury&allocation8_1=20&asset9=IntlStockMarket&allocation9_2=24&asset10=TreasuryBillsSupport the show

On today's episode I relate my experiences with peer-to-peer lending as an alternative investment to see if it is something you may wish to consider.  As always, we use David Stein's Ten Questions to Master Investing as the basis for our review: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?Here is the Money Life podcast regarding my winning gold-price prognostication.  Skip to 5:20 for just that section (but the rest is good too):  https://moneylifeshow.libsyn.com/oakmarks-mcgregor-you-cant-and-wont-generate-income-like-you-used-toSupport the show

We begin this episode with some nice questions about perpetual withdrawal rates and correlation metrics.   Then we proceed with our portfolio reviews of the sample portfolios at https://www.riskparityradio.com/portfoliosAdditional links:Morningstar/Swedroe podcast:  https://overcast.fm/+R6uKzooqI/30:25Risk Parity Radio Bond Episodes:Part One:  https://www.riskparityradio.com/podcast/episode/4965a5d2/episode-14-which-bonds-are-right-for-your-risk-parity-style-portfolio-a-comprehensive-analysis-part-iPart Two:  https://www.riskparityradio.com/podcast/episode/4c25df5c/episode-16-which-bonds-are-right-for-your-risk-parity-style-portfolio-a-comprehensive-analysis-part-2Support the show