In this episode we answer emails from Charlie, Jimi and Freya.   We provide explanations of the concepts of rebalancing and reallocation, talk about a listener's favorite sound clip and about creating a simple starter portfolio for a very small U.K. investor.  And we take a poke at the new Morningstar report on retirement forecasting and projected safe withdrawal rates, and the vast changes they made from last year.

Links:

New Morningstar Report:  2022 Retirement Withdrawal Strategies Report | Morningstar

Michael Kitces Optimal Rebalancing Article:  Optimal Rebalancing – Time Horizons Vs Tolerance Bands (kitces.com)

Ernest P. Worrell:  Ernest P. Worrell - Wikipedia

Jim Varney:  Jim Varney - Wikipedia

"Hey Vern It's Earnest" Clip:  Hey Vern It's Ernest.m4v - YouTube

Paul Merriman "Sound Investing" Podcast on Portfolio for Grandchild:  How to Create a Financial Legacy for a Child - Sound Investing | Podcast on Spotify

Portfolio Charts "My Portfolio" Analyzer:  MY PORTFOLIO – Portfolio Charts

ISVL Fund Page:  iShares International Developed Small Cap Value Factor ETF | ISVL

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