Risk Parity Radio

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In this episode we answer emails from Steven, Kaleb and Reynolds.  We discuss a levered small cap fund (SAA), short-term cash management and related ETFs, and how to compare and use bond funds of differing durations.

And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.

Additional links:

ETF Database -- Ultra Short Term Bond Funds:  The Web's Best ETF Screener | ETF Database (etfdb.com)

Morningstar Article on BOXX:  BOXX ETF Promises T-Bill Returns Without Taxable Income | Morningstar

Morningstar Analysis of IEF:  IEF – Portfolio – iShares 7-10 Year Treasury Bond ETF | Morningstar

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

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In this episode we answer emails from Mark, Casey, and Kyle.   We discuss transitioning from a drecky complicated Personal Capital/Empower portfolio to a simple risk-parity style portfolio, the song "Anchorage", and Sam Kinison's take on an IUL policy.

Links:

Father McKenna Center Donation Page:  Donate - Father McKenna Center

Mark's Portfolio Analysis:  Backtest Portfolio Asset Class Allocation (portfoliovisualizer.com)

Testfol.io Analysis of Mark's Portfolio:  testfol.io

Larry Kennedy Album on Spotify:  Everybody Knows - Album by Larry Kennedy | Spotify

Andy Panko's Insurance Playlist:  Insurance - YouTube

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In this episode we answer emails from David, Eric from Cincy, and Pete.   We discuss Mike Green's recent commentary about index fund trends and whether its a problem, ROAD HOUSE, children, and Larry Swedroe's esoteric personal portfolio.

And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.

Additional links:

Mike Green Interview:  Michael Green: Market Efficiency Is Not The Question | Rational Reminder 302 (youtube.com)

Larry Swedroe Article #1:  Addressing Issues With High U.S. Equity Valuations (kitces.com)

Larry Swedroe Article #2:  In The Long Run, Stocks Outperform Bonds, Or Do They? (kitces.com)

Larry Swedroe's Personal Portfolio:  Show Us of Your Portfolio II: Larry Swedroe on Alternatives and Interval Funds (youtube.com)

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In this episode we answer emails from Dr. Anonymous, Lance, John and Eli.  We discuss how to find a lawyer, extended term bond funds, gold ETFs and how ETFs are constructed.

Links:  

Father McKenna Center Donation Page:  Donate - Father McKenna Center

John's Gold ETF link:  9 low cost physical Gold ETFs for portfolio parity - SmartMoneyToolbox

ETF Article:  Exchange-Traded Fund (ETF): What it is and How to Invest (investopedia.com)

"Authorized Participant" Article:  What Is an Authorized Participant? Definition, Examples, Benefits (investopedia.com)

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In this episode we answer emails from Stuart, George and MyContactInfo.  We discuss a follow-up on another listener's accumulation portfolio, the foibles of trying to predict future interest rates and common fallacious reasoning, levered inverse treasury bond funds and other funds that do well in rising interest rate environments, and a follow up on our target date fund rant episode (#333).

Links:

Portfolio Visualizer Analysis of UPRO and synthetic alternatives:  Backtest Portfolio Asset Allocation (portfoliovisualizer.com)

TestFol Analysis with an inverse treasury bond exposure:  testfol.io

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In this episode we answer emails from Jeff, James and Graham.   We discuss standard deviations and other metrics and tools at Portfolio Charts, revisit Episode 194 regarding the "Cockroach" portfolio, timing the transfer of a 401k to and IRA for better management options and some reasons for holding on to traditional IRAs and not converting them.

And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.

Additional links:

Portfolio Matrix Tool With Bookmark To Jeff's Portfolio:  Portfolio Matrix – Portfolio Charts

Portfolio Annual Returns Tool With Bookmark To Jeff's Portfolio:  Annual Returns – Portfolio Charts

Portfolio Drawdowns Tool With Bookmark To Jeff's Portfolio:   Drawdowns – Portfolio Charts

Cockroach Portfolio Link:  The Cockroach Approach Whitepaper - Mutiny Fund

Big Picture Retirement Podcast Re Roth Conversions:  When Roth IRA Conversions Go Too Far (bigpictureretirement.com)

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In this episode we talk about some recent unfavorable changes to Portfolio Visualizer, have a look at a new backtesting tool, and then get back at it with emails from James, Andrew, Phil and Frodo.  We discuss how flexible withdrawal strategies improve safe withdrawal rates and how we use them as a fail-safe or backstop to our 3-1-1 plan, options for financing buying a house, a funny Avengers video and transitioning grandma's 19-fund portfolio to something simpler and better.

Links:

Rob Berger Video re Portfolio Visualizer:  Navigating Portfolio Visualizer's New Design and a Free Alternative (youtube.com)

Testfol Backtester with A Sample Analysis:  testfol.io

Morningstar Report re Variable Withdrawal Strategies:  Six Retirement Withdrawal Strategies that Stretch Savings | Morningstar

Portfolio Charts Variable Withdrawal Calculator:  Retirement Spending – Portfolio Charts

Phil's Video:  Introducing NOW internet (youtube.com)

Big ERN Article Re Cederburg Paper:  100% Stocks for the Long Run? - Early Retirement Now

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In this episode we answer emails from Scott, Midas, and Neil.  We discuss national debt apocalypse theories, the misuse and cherry-picking involved in bad data analyses and umbrella insurance.

And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.

Additional links:

Reinhardt & Rogoff Book:  This Time Is Different: Eight Centuries of Financial Folly by Carmen M. Reinhart | Goodreads

Money For The Rest of Us National Debt Masterclass:  National Debt Master Class Part 1/3 | Money for The Rest of Us

Security Analysis Podcast with Yours Truly:  Frank Vasquez: Risk Parity Investing Part 2 (securityanalysis.org)

Portfolio Charts "Ingredients" Article:  Three Secret Ingredients of the Most Efficient Portfolios – Portfolio Charts

Long Term Treasuries vs. Stock Market 1981-2010:  Backtest Portfolio Asset Class Allocation (portfoliovisualizer.com)

Umbrella Insurance:  What Is Umbrella Insurance Policy? Definition and If You Need It (investopedia.com)

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In this episode we answer emails from Average Joe, Matt, Kimbrough and Jon.  We discuss goooooold, Matt's proposed portfolio, preferred shares fund PFF and how often to look at your portfolio without going insane.

But first we discuss a recent article from David Blanchett recognizing that a 5% withdrawal rate ought to be the standard for financial planners and a New York Times article about financial independence and the EconoMe conference.

Links:

David Blanchett 5% Rule Article:  Is the 4% Rule Too Safe? | ThinkAdvisor

2013 Article Saying the Opposite:  The 4 Percent Rule is Not Safe in a Low-Yield World by Michael S. Finke, Wade D. Pfau, David Blanchett :: SSRN

New York Times FIRE Article (paywall):  Meet the FIRE Savers Who Retired Early - The New York Times (nytimes.com)

Matt's Proposed Portfolio:  Portfolio Matrix – Portfolio Charts

Father McKenna Center Donation Page:  Donate - Father McKenna Center

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