The two previous podcasts —  The Ultimate Buy and Hold Strategy 2021 and How to Simplify the Ultimate Buy and Hold for Higher Returns  — were dedicated to building the Ultimate Buy and Hold Strategy with the traditional 10 equity positions, as well as 2 additional similar portfolios with fewer funds. Plus there were value-only portfolios that produced considerable additional returns at higher risk.

In this podcast, the focus is on comparing all of these portfolios in terms of returns, risk and impact of adding fixed income to the portfolio to reduce risk to tolerable levels for the individual investor. This is easily done with tables of each years return (1970-2020), as well as worst losses by the quarter, year, 3 years and 5 years. The challenge for the investor is to compare the results of the S&P 500 (the benchmark) with each of these portfolios. For young investors it is important to understand that every extra half percent return can add over a $1,000,000 to their retirement income and what is left to heirs.

Paul hopes all investors will take time with the Fine Tuning Tables to gain a firm understanding of the relationship between long-term return and short-term risk, and make their investment decisions accordingly. Access all Fine Tuning 2021 Tables here.

This podcast is part of the educational offerings from The Merriman Financial Education Foundation, a registered 501(c)3.  If you found value in this podcast, here are five ways to support the podcast and our foundation:

1)     Leave a podcast review on your player of choice.