Sound Investing

Ultimate Buy and Hold Strategies: Update 2022

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Since 1995 Paul has been writing and teaching Do-It-Yourself investors about the Ultimate Buy and Hold Portfolio. In this 2022 update he uses the UBH table (70-30) and UBH tables (50-50)  to make the case for 10 equity asset classes he thinks investors should consider owning in the equity portion of their long-term investments.

The key takeaways:

  • The S&P 500 can easily be “beat” without taking more risk.
  • The impact of adding just 10% of another equity asset class can improve long-term returns.
  • The impact of even .1% more return can be life changing over long periods of time.
  • Adding more risky asset classes can substantially reduce risk.
  • Diversification of equity asset classes is as important as diversification of individual stocks.
  • Rebalancing is not about higher returns but is about limiting risk.
  • Adding international equities can have a meaningful impact on long-term returns whether you add 30% or 50% to the portfolio.
  • There is not risk in the past, we always know what we should have done.
  • The UBH Portfolio is not designed to get the best return, but is designed to get a better return than the S&P 500 without substantially more risk.
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    Sound InvestingBy Paul Merriman
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