Retirement Talk Podcast Episode

153. If Not a 60-40 Portfolio, Then What?

April 26, 2023
60/40 investment portfolio

A year like 2022 doesn’t come around too often but those significant market corrections we saw in both equities and bonds made many people begin to wonder about the effectiveness of the traditional 60/40 investment mix. Some people are even saying that there is no longer a use for this portfolio structure.

To truly evaluate whether that’s accurate, you have to first understand how to build a proper investment strategy. In this episode, Laura Stover, RFC® and Michael Wallin, CFP® weigh in on this topic and share their insight on building investment plans. They discuss the limitations of the traditional 60/40 portfolio and how a more dynamic bucket approach can help you better navigate the constantly changing economy.

There are many different tools to help you build the right portfolio, and we’ll explain how the LifeArcPlan puts a process in place to help you determine what rate of return you need and how best to achieve that over time by blending tactical management with strategic management. Hopefully this show will give you a clearer picture of how and why a plan is constructed.

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Timestamps (show notes):

4:46 – Why the conservative investor was down so much in 2022,

8:19 – People need purpose-based allocations

11:25 – Diversifying into different buckets of money

16:29 – Why was the 60/40 strategy created?

20:11 – Blending tactical management with strategic management

25:37 – Is the US Dollar getting devalued?


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