Risk Parity Radio

In this episode we answer an email from Cameron.  First, we consider the long history of consumer marketing and how the retail financial services industry fits into it, including reviewing developments in financial services business models over the past century.  In that context, we then break down why the current most popular business models are fear-based, which leads to re...

In this episode we answer emails from Jon, David, and Trevor.  We discuss teaching teens personal finance without boring them and learning by doing, an early retirement checkup for a high-saving household confirming a $3.6M portfolio can support retirement plans, getting granular on expenses and planning for health care costs, asset location basics, and a useful managed futur...

In this episode we answer two emails from Stephen and one from Melanie.  We walk through the eight sample portfolios and talk about what each one represents, discuss how different portfolios are appropriate for different goals and the relevant comparison between two withdrawal rates is the relative difference (e.g., 6.0% versus 4.3% is a 40% difference in annual spending, not...

In this episode we answer emails from David, Olavo, and Nick.  We discuss evaluating a sample portfolio and transitioning, helping parents and other relatives with their situations and milk-shake drinkers, being careful with leverage, large cap growth and small cap value funds for U.K. listeners and adding a 5% allocation of managed futures to a mix.

Links:

A...

In this episode we answer emails from Optimus Bill, Sin Nombre, Darren, and George.  We discuss sizing small bitcoin ETF allocations, identify resources to learn more about managed futures, and talk about how underspending or hoarding strategies are often dressed up in various ways that often have surface appeal, but are ultimately unnecessarily restrictive and lack meaningfu...