In this episode we answer emails from Kimbrough from Anchorage and anonymous Visitors from British Columbia and Denver. We discuss fish hatching and slaughterhouses, long term treasury bond funds, the inherent problems and inefficiencies with many popular but inflexible withdrawal plans, and how we use our flexible 3-1-1 guidelines to match and maximize spending, fixing a cash hoarding problem and why you want a growth/value split in your stock allocations.

Links:

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

VSG's Weird Portfolio: Weird Portfolio – Portfolio Charts

Merriman Best-In-Class ETFs: Best-in-Class ETF Recommendations | Merriman Financial Education Foundation (paulmerriman.com)

Merriman Podcast re Best-In-Class ETFs: Best in Class ETF 2024 Updates (paulmerriman.com)

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In this episode we answer emails from Steve, Mark, and Judy. We take a frolic and detour into talking about going to law schools, talk about some Rob Berger videos and bucketeering, robo-advisor things and why they are not very helpful, and better choices.

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:

Father McKenna Center Spring 2024 Newsletter: Newsletter Spring 2024 - Father McKenna Center

Rob Berger Video on "Know Nothing" Portfolios: Fed Chair Powell Just Taught A Masterclass On Investing (youtube.com)

Rob Berger Interview of Harold Evensky: Conversation with the Father of the Bucket Strategy--Harold Evensky - YouTube

Rob Berger On "Bucket Strategies" Generally: The Bucket Strategy is Flawed--Do this Instead - YouTube

Rob Berger On The "Never Retire" Retirement Strategy: 7 Reasons to Never, Ever Retire (even if you can) (youtube.com)

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In this episode we answer emails from Zane, Slim Jim, and Jim Kirk. We discuss recent moves in world gold markets, good and bad mental models of collective action and critical events, including Mimetic Theory and fractal sand pile models, avoiding the physical metals racket, the data and evidence showing that retirees experience inflation at a much lower rate than the CPI (and most financial planners and DIYers get this completely wrong, resulting in bad planning), and the new global portfolio analysis article at Portfolio Charts (again).

Links:

Retirement Spending Smile models: What Is The 'Retirement Spending Smile'? | Retirement Researcher

Spending Trajectories After Age 65 Research Paper and Summary: Spending Trajectories After Age 65: Variation by Initial Wealth | RAND

Portfolio Charts Article Re Global Portfolios: What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios – Portfolio Charts

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