In this video, we'll look at a simple formula to help investors determine the stock and bond allocation percentages based on their age. Sponsor: https://go.robberger.com/new-retireme...

Vanguard Model Portfolio Returns: https://investor.vanguard.com/investo...
Bengen's 1994 Paper: https://kyestates.com/wp-content/uplo...
Bengen's 1996 Paper: http://www.simonemariotti.com/downloa...

0:00 - The Ideal Stock/Bond Allocation Based On Your Age
4:57 - Conservative Stock/Bond Allocation
6:37 - Moderate Stock/Bond Allocation
7:41 - Aggressive Stock/Bond Allocation
8:39 - Summary
11:42 - Portfolio Visualizer
16:05 - Q&A
16:58 - Buying the whole S&P 500
17:58 - And if you're over 70
18:41 - 4 Pillars of Investing book
19:20 - Bengen not following his own advice
20:29 - Expected return of BND
22:15 - Cash Bucket
22:36 - Open a taxable account or increase 401K contributions for retirement
24:15 - Railroad Tier 2 pension
25:39 - FIRE
28:01 - Particular type of bond purchases
29:00 - Holding a higher percentage of stock in retirement
29:47 - International bonds
30:36 - FZROX/SCHB
32:12 - Bond/Stock allocation accounted for pre or post-tax?
34:39 - Financial Freedom

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#assetallocation #investing #robberger

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.